MGIC
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Price to Earnings | 16.04 | 12.92 | 20.28 | 40.25 |
| Price to Sales | 1.07 | 0.89 | 1.39 | 2.14 |
| Book Value Per Common Share | 5.65 | 5.42 | 5.36 | 5.40 |
| Price to Book | 2.13 | 1.79 | 2.99 | 3.87 |
| Price to Operating Cash Flow | 7.89 | 6.90 | 13.89 | 23.51 |
| Price to Free Cash Flow | 8.36 | 7.41 | 16.07 | 26.30 |
| Enterprise Value to EBITDA | 71928.35 | 60230.40 | 98763.55 | 148304.25 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Price to Earnings | 102.05 | 95.60 | 68.37 | 54.68 | 69.53 |
| Price to Sales | 6.20 | 6.19 | 4.33 | 4.14 | 4.06 |
| Book Value Per Common Share | 5.62 | 5.68 | 5.49 | 5.65 | 5.69 |
| Price to Book | 3.63 | 3.37 | 2.37 | 2.13 | 2.08 |
| Price to Operating Cash Flow | 51.53 | 149.38 | 42.81 | 22.97 | 74.95 |
| Price to Free Cash Flow | 54.92 | 171.02 | 45.95 | 23.88 | 87.49 |
| Enterprise Value to EBITDA | 454907.65 | 439441.80 | 303424.21 | 265931.84 | 285396.14 |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Earning YoY | 0.00 | -5.06 | 51.92 | |
| Revenue YoY | 3.26 | -5.60 | 18.00 | |
| EBITDA YoY | 3.96 | -0.82 | 15.00 | |
| Net Profit YoY | -0.40 | -8.50 | 35.96 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Earning YoY | 0.00 | 5.26 | -13.64 | 29.41 | |
| Revenue YoY | 6.60 | 2.92 | 3.33 | -0.27 | |
| EBITDA YoY | 3.12 | 1.63 | -5.36 | 9.23 | |
| Net Profit YoY | -0.55 | 4.64 | -10.77 | 25.99 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Cash Per Common Share | 2.45 | 2.27 | 1.83 | 1.91 |
| Quick Ratio | 1.59 | 1.77 | 1.57 | 1.85 |
| Current Ratio | 1.62 | 1.81 | 1.60 | 1.89 |
| Debt to Equity | 0.79 | 0.80 | 0.83 | 0.77 |
| Long-Term Debt to Equity | 0.23 | 0.31 | 0.26 | 0.29 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Cash Per Common Share | 2.10 | 1.83 | 2.14 | 2.45 | 2.03 |
| Quick Ratio | 1.48 | 1.61 | 1.51 | 1.59 | 1.76 |
| Current Ratio | 1.48 | 1.61 | 1.51 | 1.62 | 1.76 |
| Debt to Equity | 0.86 | 0.79 | 0.82 | 0.79 | 0.73 |
| Long-Term Debt to Equity | 0.22 | 0.25 | 0.21 | 0.23 | 0.24 |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| ROA | 6.83 | 7.09 | 8.01 | 6.11 |
| ROE | 12.25 | 12.73 | 14.65 | 10.80 |
| Gross Margin | 28.56 | 28.59 | 27.41 | 27.69 |
| Operating Margin | 11.10 | 10.92 | 10.56 | 10.29 |
| EBITDA Margin | 14.86 | 14.76 | 14.05 | 14.42 |
| Net Profit Margin | 6.68 | 6.92 | 7.14 | 6.20 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| ROA | 1.76 | 1.83 | 1.77 | 1.97 | 1.60 |
| ROE | 3.28 | 3.28 | 3.23 | 3.53 | 2.77 |
| Gross Margin | 27.35 | 27.94 | 27.58 | 29.88 | 27.76 |
| Operating Margin | 10.59 | 10.32 | 10.69 | 11.80 | 10.54 |
| EBITDA Margin | 13.63 | 14.09 | 14.27 | 15.58 | 14.22 |
| Net Profit Margin | 6.10 | 6.54 | 6.43 | 7.45 | 5.90 |
Dividends
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Dividend Yield | 0.00 | 0.00 | 0.00 | 0.00 |
| Dividend Payout Ratio | 27.16 | 83.17 | 61.38 | 73.17 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Dividend Yield | 0.00 | 0.00 | 0.00 | ||
| Dividend Payout Ratio | 161.91 | 122.25 | 118.80 |
Financial Statements
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Assets | 540,331.00 | 522,406.00 | 505,141.00 | 487,277.00 |
| Current Assets | 276,199.00 | 256,625.00 | 249,098.00 | 246,774.00 |
| Cash and Short-Term Investments | 120,400.00 | 111,454.00 | 89,620.00 | 93,676.00 |
| Cash and Cash Equivalents | 112,779.00 | 105,943.00 | 83,062.00 | 88,090.00 |
| Short-Term Investments | 7,621.00 | 5,511.00 | 6,558.00 | 5,586.00 |
| Net Receivables | 149,783.00 | 139,565.00 | 155,216.00 | 148,520.00 |
| Inventory | 0 | 0 | 0 | 0 |
| Other Current Assets | 6,016.00 | 5,606.00 | 4,262.00 | 4,578.00 |
| Non-Current Assets | 264,132.00 | 265,781.00 | 256,043.00 | 240,503.00 |
| Property, Plant, Equipment Net | 32,174.00 | 33,706.00 | 35,874.00 | 29,152.00 |
| Goodwill | 172,515.00 | 166,065.00 | 158,699.00 | 146,803.00 |
| Intangible Assets | 45,287.00 | 50,658.00 | 52,057.00 | 51,390.00 |
| Long-Term Investments | 0 | 0 | 0 | 0 |
| Non-Current Deferred Assets | 4,895.00 | 6,729.00 | 3,618.00 | 7,993.00 |
| Other Non-Current Assets | 9,261.00 | 8,623.00 | 5,795.00 | 5,165.00 |
| Liabilities | 239,262.00 | 231,462.00 | 228,830.00 | 211,721.00 |
| Current Liabilities | 170,305.00 | 141,699.00 | 156,053.00 | 130,780.00 |
| Payables and Expenses | 98,549.00 | 69,907.00 | 74,440.00 | 69,802.00 |
| Account Payables | 28,753.00 | 28,415.00 | 27,598.00 | 24,711.00 |
| Current Accrued Liabilities | 58,209.00 | 41,492.00 | 46,842.00 | 45,091.00 |
| Short-Term Debt | 28,005.00 | 33,347.00 | 25,346.00 | 20,375.00 |
| Other Current Liabilities | 43,751.00 | 38,445.00 | 56,267.00 | 40,603.00 |
| Non-Current Liabilities | 68,957.00 | 89,763.00 | 72,777.00 | 80,941.00 |
| Long-Term Debt | 58,147.00 | 75,368.00 | 54,694.00 | 42,062.00 |
| Other Non-Current Liabilities | 10,810.00 | 14,395.00 | 18,083.00 | 38,879.00 |
| Equity | 301,069.00 | 290,944.00 | 276,311.00 | 275,556.00 |
| Shareholders Equity | 277,190.00 | 265,981.00 | 262,927.00 | 265,136.00 |
| Capital Stock | 1,166.00 | 1,166.00 | 1,166.00 | 1,165.00 |
| Share Premium | 180,336.00 | 182,607.00 | 182,031.00 | 184,047.00 |
| Retained Earnings | 107,802.00 | 92,522.00 | 86,289.00 | 70,660.00 |
| Treasury Shares | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | -12,114.00 | -10,314.00 | -6,559.00 | 9,264.00 |
| Minority Interest | 23,879.00 | 24,963.00 | 13,384.00 | 10,420.00 |
| Debt | 86,152.00 | 108,715.00 | 80,040.00 | 62,437.00 |
| Common Shares Outstanding | 49,099.31 | 49,099.31 | 49,093.06 | 49,073.06 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Revenues | 552,520.00 | 535,052.00 | 566,792.00 | 480,325.00 |
| Cost Of Revenue | 394,693.00 | 382,065.00 | 411,437.00 | 347,331.00 |
| Interest Income | 3,163.00 | 4,901.00 | 1,392.00 | 113.00 |
| Interest Expense | 6,737.00 | 6,003.00 | 2,434.00 | 3,802.00 |
| Non-Interest Expense | 84,109.00 | 85,311.00 | 84,409.00 | 69,369.00 |
| Gross Profit | 157,827.00 | 152,987.00 | 155,355.00 | 132,994.00 |
| Operating Expenses | 97,419.00 | 95,639.00 | 94,499.00 | 78,364.00 |
| Selling, General and Administrative Expenses | 84,109.00 | 85,311.00 | 84,409.00 | 69,369.00 |
| Research and Development Expenses | 13,310.00 | 10,328.00 | 10,090.00 | 8,995.00 |
| Operating Income | 60,408.00 | 57,348.00 | 60,856.00 | 54,630.00 |
| EBT | 54,619.00 | 52,436.00 | 57,417.00 | 45,617.00 |
| Income Tax | 11,328.00 | 9,934.00 | 11,138.00 | 10,278.00 |
| Net Income Including Non-Controlling Interests | 43,291.00 | 42,502.00 | 46,279.00 | 35,339.00 |
| Net Income Non-Controlling Interests | -6,408.00 | -5,471.00 | -5,809.00 | -5,572.00 |
| Net Income | 36,883.00 | 37,031.00 | 40,470.00 | 29,767.00 |
| EBIT | 61,356.00 | 58,439.00 | 59,851.00 | 49,419.00 |
| Deprecation and Amortization | 20,762.00 | 20,553.00 | 19,795.00 | 19,837.00 |
| EBITDA | 82,118.00 | 78,992.00 | 79,646.00 | 69,256.00 |
| EPS | 0.00 | 0.00 | 0.00 | 0.00 |
| Diluted EPS | 0.00 | 0.00 | 0.00 | 0.00 |
| Average Shares Outstanding Basic | 49,099.31 | 49,096.00 | 49,089.00 | 49,055.00 |
| Average Shares Outstanding Diluted | 49,099.31 | 49,098.00 | 49,138.00 | 49,100.00 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Operating Cash Flow | 74,833.00 | 68,992.00 | 56,615.00 | 43,674.00 |
| Operating Net Income | 43,291.00 | 42,502.00 | 46,279.00 | 35,339.00 |
| Deprecation and Amortization | 20,762.00 | 20,553.00 | 19,795.00 | 19,837.00 |
| Deferred Income Tax | -1,564.00 | -3,238.00 | -3,904.00 | -3,080.00 |
| Share Based Compensation | 1,607.00 | 3,798.00 | 2,079.00 | 956.00 |
| Change in Working Capital | 12,437.00 | 10,287.00 | -5,852.00 | -8,989.00 |
| Other Operating Activities | -1,700.00 | -4,910.00 | -1,782.00 | -389.00 |
| Investing Cash Flow | -22,612.00 | -27,616.00 | -34,458.00 | -22,197.00 |
| Capital Expenditure | -2,650.00 | -3,183.00 | -3,059.00 | -3,193.00 |
| Net Purchase/Sale of PPE | -1,490.00 | -1,564.00 | -4,381.00 | -1,439.00 |
| Net Purchase/Sale of Investments Net | 1,067.00 | 2,867.00 | 1,991.00 | -5,390.00 |
| Net Purchase/Sale of Business | -19,539.00 | -26,645.00 | -26,540.00 | -12,175.00 |
| Other Investing Activities | 0.00 | 909.00 | -2,469.00 | 0.00 |
| Financing Cash Flow | -45,145.00 | -17,293.00 | -18,276.00 | -21,266.00 |
| Net Issuance/Repayment of Debt | -27,121.00 | 22,781.00 | 11,588.00 | 5,217.00 |
| Net Issuance/Repurchase of Equity | 0 | 0 | 0 | 0 |
| Dividends Paid | -10,016.00 | -30,798.00 | -24,841.00 | -21,780.00 |
| Other Financing Activities | 0 | 0 | 0 | -4,703.00 |
| Net Change in Cash | 7,076.00 | 24,083.00 | 3,881.00 | 211.00 |
| Cash at Beginning of Period | 105,943.00 | 83,062.00 | 88,090.00 | 88,127.00 |
| Cash at End of Period | 112,779.00 | 105,943.00 | 83,062.00 | 88,090.00 |
| Free Cash Flow | 70,648.00 | 64,191.00 | 48,956.00 | 39,042.00 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Assets | 559,806.00 | 541,652.00 | 534,110.00 | 540,331.00 | 526,293.00 |
| Current Assets | 285,177.00 | 265,752.00 | 270,211.00 | 276,199.00 | 261,916.00 |
| Cash and Short-Term Investments | 103,305.00 | 89,957.00 | 105,015.00 | 120,400.00 | 99,681.00 |
| Cash and Cash Equivalents | 103,303.00 | 89,957.00 | 104,584.00 | 112,779.00 | 98,942.00 |
| Short-Term Investments | 2.00 | 0 | 431.00 | 7,621.00 | 739.00 |
| Net Receivables | 181,872.00 | 175,795.00 | 165,196.00 | 149,783.00 | 162,235.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0.00 | 0.00 | 0.00 | 6,016.00 | 0.00 |
| Non-Current Assets | 274,629.00 | 275,900.00 | 263,899.00 | 264,132.00 | 264,377.00 |
| Property, Plant, Equipment Net | 32,468.00 | 33,793.00 | 31,682.00 | 32,174.00 | 31,972.00 |
| Goodwill | 0 | 0 | 0 | 172,515.00 | 0 |
| Intangible Assets | 0 | 0 | 0 | 45,287.00 | 0 |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Non-Current Deferred Assets | 5,538.00 | 5,735.00 | 5,300.00 | 4,895.00 | 5,539.00 |
| Other Non-Current Assets | 0 | 0 | 0 | 9,261.00 | 0 |
| Liabilities | 258,979.00 | 239,355.00 | 241,069.00 | 239,262.00 | 221,740.00 |
| Current Liabilities | 192,765.00 | 165,296.00 | 178,514.00 | 170,305.00 | 149,103.00 |
| Payables and Expenses | 108,385.00 | 81,331.00 | 99,526.00 | 98,549.00 | 76,814.00 |
| Account Payables | 34,594.00 | 25,358.00 | 30,060.00 | 28,753.00 | 27,808.00 |
| Current Accrued Liabilities | 59,258.00 | 55,973.00 | 53,411.00 | 58,209.00 | 49,006.00 |
| Short-Term Debt | 39,105.00 | 33,068.00 | 28,704.00 | 28,005.00 | 31,387.00 |
| Other Current Liabilities | 45,275.00 | 50,897.00 | 50,284.00 | 43,751.00 | 40,902.00 |
| Non-Current Liabilities | 66,214.00 | 74,059.00 | 62,555.00 | 68,957.00 | 72,637.00 |
| Long-Term Debt | 56,780.00 | 64,899.00 | 53,417.00 | 58,147.00 | 60,951.00 |
| Other Non-Current Liabilities | 9,434.00 | 9,160.00 | 9,138.00 | 10,810.00 | 11,686.00 |
| Equity | 300,827.00 | 302,297.00 | 293,041.00 | 301,069.00 | 304,553.00 |
| Shareholders Equity | 276,037.00 | 278,837.00 | 269,412.00 | 277,190.00 | 279,414.00 |
| Capital Stock | 0 | 0 | 0 | 1,166.00 | 0 |
| Share Premium | 0 | 0 | 0 | 180,336.00 | 0 |
| Retained Earnings | 0 | 0 | 0 | 107,802.00 | 0 |
| Treasury Shares | 0 | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | 0 | 0 | 0 | -12,114.00 | 0 |
| Minority Interest | 24,790.00 | 23,460.00 | 23,629.00 | 23,879.00 | 25,139.00 |
| Debt | 95,885.00 | 97,967.00 | 82,121.00 | 86,152.00 | 92,338.00 |
| Common Shares Outstanding | 49,099.31 | 49,099.31 | 49,099.31 | 49,099.31 | 49,099.31 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Revenues | 161,656.00 | 151,642.00 | 147,336.00 | 142,582.00 | 142,968.00 |
| Cost Of Revenue | 117,449.00 | 109,268.00 | 106,705.00 | 99,978.00 | 103,287.00 |
| Interest Expense | 1,698.00 | 725.00 | 1,065.00 | 2,494.00 | 1,364.00 |
| Non-Interest Expense | 23,920.00 | 23,305.00 | 21,641.00 | 22,096.00 | 21,577.00 |
| Gross Profit | 44,207.00 | 42,374.00 | 40,631.00 | 42,604.00 | 39,681.00 |
| Operating Expenses | 27,092.00 | 26,730.00 | 24,888.00 | 26,733.00 | 24,610.00 |
| Selling, General and Administrative Expenses | 23,920.00 | 23,305.00 | 21,641.00 | 22,096.00 | 21,577.00 |
| Research and Development Expenses | 3,172.00 | 3,425.00 | 3,247.00 | 4,637.00 | 3,033.00 |
| Operating Income | 17,115.00 | 15,644.00 | 15,743.00 | 15,871.00 | 15,071.00 |
| EBT | 15,417.00 | 14,919.00 | 14,678.00 | 14,325.00 | 13,707.00 |
| Income Tax | 3,464.00 | 3,324.00 | 2,912.00 | 2,286.00 | 3,273.00 |
| Net Income Including Non-Controlling Interests | 11,953.00 | 11,595.00 | 11,640.00 | 12,307.00 | 10,315.00 |
| Net Income Non-Controlling Interests | -2,090.00 | -1,511.00 | -2,162.00 | -1,685.00 | -1,884.00 |
| Net Income | 9,863.00 | 9,918.00 | 9,478.00 | 10,622.00 | 8,431.00 |
| EBIT | 17,115.00 | 15,644.00 | 15,743.00 | 16,819.00 | 15,071.00 |
| Deprecation and Amortization | 4,914.00 | 5,719.00 | 5,277.00 | 5,392.00 | 5,264.00 |
| EBITDA | 22,029.00 | 21,363.00 | 21,020.00 | 22,211.00 | 20,335.00 |
| EPS | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Diluted EPS | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Average Shares Outstanding Basic | 49,099.00 | 49,099.00 | 49,099.00 | 49,099.00 | 49,099.00 |
| Average Shares Outstanding Diluted | 49,099.00 | 49,099.00 | 49,099.00 | 49,099.00 | 49,099.00 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Operating Cash Flow | 19,446.00 | 6,284.00 | 14,899.00 | 25,713.00 | 7,741.00 |
| Operating Net Income | 11,842.00 | 11,540.00 | 11,640.00 | 12,307.00 | 10,315.00 |
| Deprecation and Amortization | 4,914.00 | 5,719.00 | 5,277.00 | 5,392.00 | 5,264.00 |
| Deferred Income Tax | 1,164.00 | -529.00 | -900.00 | 401.00 | -406.00 |
| Share Based Compensation | 53.00 | 102.00 | -65.00 | 337.00 | 75.00 |
| Change in Working Capital | 1,288.00 | -9,350.00 | -428.00 | 8,349.00 | -7,580.00 |
| Other Operating Activities | 185.00 | -1,198.00 | -625.00 | -1,073.00 | 73.00 |
| Investing Cash Flow | -479.00 | -3,035.00 | -4,662.00 | -697.00 | -3,694.00 |
| Capital Expenditure | -707.00 | -491.00 | -496.00 | -443.00 | -724.00 |
| Net Purchase/Sale of PPE | -493.00 | -303.00 | -477.00 | -532.00 | -340.00 |
| Net Purchase/Sale of Investments Net | 721.00 | -434.00 | -54.00 | 420.00 | -644.00 |
| Net Purchase/Sale of Business | 0 | -1,807.00 | -3,635.00 | -142.00 | -1,986.00 |
| Other Investing Activities | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Financing Cash Flow | -6,097.00 | -23,612.00 | -18,475.00 | -11,412.00 | -14,116.00 |
| Net Issuance/Repayment of Debt | -3,934.00 | 7,985.00 | -3,342.00 | -8,510.00 | -1,344.00 |
| Net Issuance/Repurchase of Equity | 0 | 0 | 0 | 0 | 0 |
| Dividends Paid | 3.00 | -16,058.00 | -11,587.00 | 0 | -10,016.00 |
| Other Financing Activities | -2,166.00 | -15,539.00 | -3,546.00 | -2,902.00 | -2,756.00 |
| Net Change in Cash | 12,870.00 | -20,363.00 | -8,238.00 | 13,605.00 | -10,070.00 |
| Cash at Beginning of Period | 89,957.00 | 104,584.00 | 112,779.00 | 98,942.00 | 107,642.00 |
| Cash at End of Period | 103,303.00 | 89,957.00 | 104,584.00 | 112,779.00 | 98,942.00 |
| Free Cash Flow | 18,246.00 | 5,490.00 | 13,879.00 | 24,735.00 | 6,635.00 |