Employers Holdings Inc (EIG)vsMGIC Investment Corp (MTG)
EIG
Employers Holdings Inc
$49.66
+1.02%
FINANCIAL SERVICES · Cap: $881.68M
MTG
MGIC Investment Corp
$30.74
-0.32%
FINANCIAL SERVICES · Cap: $6.29B
Smart Verdict
WallStSmart Research — data-driven comparison
MGIC Investment Corp generates 43% more annual revenue ($1.20B vs $837.60M). MTG leads profitability with a 59.2% profit margin vs 0.9%. MTG appears more attractively valued with a PEG of 0.40. MTG earns a higher WallStSmart Score of 67/100 (B-).
EIG
Buy56
out of 100
Grade: C
MTG
Strong Buy67
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Conservative balance sheet, low leverage
Earnings expanding 29.3% YoY
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 59 of every $100 in revenue as profit
Strong operational efficiency at 80.8%
Conservative balance sheet, low leverage
Areas to Watch
Smaller company, higher risk/reward
ROE of 0.9% — below average capital efficiency
0.9% margin — thin
Weak financial health signals
Weak financial health signals
Revenue declined 2.9%
Comparative Analysis Report
WallStSmart ResearchBull Case : EIG
The strongest argument for EIG centers on Price/Book, Debt/Equity, EPS Growth. PEG of 1.32 suggests the stock is reasonably priced for its growth.
Bull Case : MTG
The strongest argument for MTG centers on PEG Ratio, P/E Ratio, Price/Book. Profitability is solid with margins at 59.2% and operating margin at 80.8%. PEG of 0.40 suggests the stock is reasonably priced for its growth.
Bear Case : EIG
The primary concerns for EIG are Market Cap, Return on Equity, Profit Margin. A P/E of 62.1x leaves little room for execution misses. Thin 0.9% margins leave little buffer for downturns.
Bear Case : MTG
The primary concerns for MTG are Piotroski F-Score, Revenue Growth.
Key Dynamics to Monitor
EIG profiles as a value stock while MTG is a declining play — different risk/reward profiles.
MTG carries more volatility with a beta of 0.65 — expect wider price swings.
MTG is growing revenue faster at -2.9% — sustainability is the question.
MTG generates stronger free cash flow (184M), providing more financial flexibility.
Bottom Line
MTG scores higher overall (67/100 vs 56/100), backed by strong 59.2% margins. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Employers Holdings Inc
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
Employers Holdings, Inc. operates in the commercial property and casualty insurance industry primarily in the United States. The company is headquartered in Reno, Nevada.
Visit Website →MGIC Investment Corp
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
MGIC Investment Corporation offers private mortgage insurance, other mortgage credit risk management solutions, and ancillary services to lenders and government-sponsored entities in the United States, Puerto Rico, and Guam. The company is headquartered in Milwaukee, Wisconsin.
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