MGIC Investment Corp (MTG)vsOctave Specialty Group, Inc. (OSG)
MTG
MGIC Investment Corp
$27.76
-0.39%
FINANCIAL SERVICES · Cap: $5.60B
OSG
Octave Specialty Group, Inc.
$5.09
-3.78%
FINANCIAL SERVICES · Cap: $224.81M
Smart Verdict
WallStSmart Research — data-driven comparison
MGIC Investment Corp generates 271% more annual revenue ($1.19B vs $320.67M). MTG leads profitability with a 58.1% profit margin vs -51.1%. MTG earns a higher WallStSmart Score of 65/100 (C+).
MTG
Buy65
out of 100
Grade: C+
OSG
Hold45
out of 100
Grade: D+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 58 of every $100 in revenue as profit
Strong operational efficiency at 77.0%
Conservative balance sheet, low leverage
Reasonable price relative to book value
Revenue surging 51.0% year-over-year
Conservative balance sheet, low leverage
Areas to Watch
2.4% earnings growth
Weak financial health signals
Revenue declined 1.8%
0.0% earnings growth
Smaller company, higher risk/reward
Weak financial health signals
ROE of -7.5% — below average capital efficiency
Comparative Analysis Report
WallStSmart ResearchBull Case : MTG
The strongest argument for MTG centers on PEG Ratio, P/E Ratio, Price/Book. Profitability is solid with margins at 58.1% and operating margin at 77.0%. PEG of 0.40 suggests the stock is reasonably priced for its growth.
Bull Case : OSG
The strongest argument for OSG centers on Price/Book, Revenue Growth, Debt/Equity. Revenue growth of 51.0% demonstrates continued momentum.
Bear Case : MTG
The primary concerns for MTG are EPS Growth, Piotroski F-Score, Revenue Growth.
Bear Case : OSG
The primary concerns for OSG are EPS Growth, Market Cap, Piotroski F-Score.
Key Dynamics to Monitor
MTG profiles as a declining stock while OSG is a hypergrowth play — different risk/reward profiles.
OSG carries more volatility with a beta of 0.74 — expect wider price swings.
OSG is growing revenue faster at 51.0% — sustainability is the question.
MTG generates stronger free cash flow (216M), providing more financial flexibility.
Bottom Line
MTG scores higher overall (65/100 vs 45/100), backed by strong 58.1% margins. Both earn "Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
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.
Octave Specialty Group, Inc.
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
Overseas Shipholding Group, Inc. owns and operates a fleet of transoceanic vessels. The company is headquartered in Tampa, Florida.
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