MGIC Investment Corp (MTG)vsRyan Specialty Group Holdings Inc (RYAN)
MTG
MGIC Investment Corp
$26.01
+0.50%
FINANCIAL SERVICES · Cap: $5.61B
RYAN
Ryan Specialty Group Holdings Inc
$33.50
-0.06%
FINANCIAL SERVICES · Cap: $8.86B
Smart Verdict
WallStSmart Research — data-driven comparison
Ryan Specialty Group Holdings Inc generates 147% more annual revenue ($2.99B vs $1.21B). MTG leads profitability with a 60.8% profit margin vs 2.1%. MTG trades at a lower P/E of 8.2x. MTG earns a higher WallStSmart Score of 65/100 (C+).
MTG
Buy65
out of 100
Grade: C+
RYAN
Buy54
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+33.2%
Fair Value
$40.95
Current Price
$26.01
$14.94 discount
Margin of Safety
-95.7%
Fair Value
$22.00
Current Price
$33.50
$11.50 premium
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 61 of every $100 in revenue as profit
Strong operational efficiency at 74.2%
Earnings expanding 110.1% YoY
Areas to Watch
3.9% earnings growth
Weak financial health signals
Revenue declined 0.9%
2.1% margin — thin
Weak financial health signals
Premium valuation, high expectations priced in
Distress zone — elevated risk
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 60.8% and operating margin at 74.2%. PEG of 0.40 suggests the stock is reasonably priced for its growth.
Bull Case : RYAN
The strongest argument for RYAN centers on EPS Growth. Revenue growth of 13.6% demonstrates continued momentum.
Bear Case : MTG
The primary concerns for MTG are EPS Growth, Piotroski F-Score, Revenue Growth.
Bear Case : RYAN
The primary concerns for RYAN are Profit Margin, Piotroski F-Score, P/E Ratio. A P/E of 71.3x leaves little room for execution misses. Debt-to-equity of 5.68 is elevated, increasing financial risk.
Key Dynamics to Monitor
MTG profiles as a declining stock while RYAN is a value play — different risk/reward profiles.
MTG carries more volatility with a beta of 0.80 — expect wider price swings.
RYAN is growing revenue faster at 13.6% — sustainability is the question.
RYAN generates stronger free cash flow (246M), providing more financial flexibility.
Bottom Line
MTG scores higher overall (65/100 vs 54/100), backed by strong 60.8% margins. Both earn "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.
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.
Ryan Specialty Group Holdings Inc
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
Ryan Specialty Group Holdings Inc is a leading provider of specialty insurance solutions, focused on delivering innovative risk management services across diverse sectors. The company leverages a vast network of insurance wholesale operations and underwriting expertise to meet the complex needs of its clients, backed by strong relationships with insurers and distribution channels. By integrating advanced technology and analytics, Ryan Specialty enhances underwriting efficiencies and client results, positioning itself as a key player in the evolving insurance landscape. With a commitment to strategic growth initiatives, the company is poised to create sustainable shareholder value in a dynamic market.
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