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See the "Glossary of terms and acronyms" for definitions and descriptions of terms used throughout this annual report. General We are a holding company and through wholly-owned subsidiaries we provide private mortgage insurance, other mortgage credit risk management solutions, and ancillary services.
60.84% net margin is above average for a financial institution, suggesting strong underwriting or fee income alongside controlled credit costs.
Revenue growth slowed to 0.5%, essentially flat. This is a business that needs a catalyst.
Traditional FCF and operating-margin metrics are not meaningful for financial institutions. Evaluate using net interest margin, credit quality, and capital ratios instead.
Profitability & Returns
Revenue (TTM)
$1.20B
▲ +0.5% YoY
Net Income (TTM)
$718M
▼ -3.2% YoY
Net Margin
59.63%
P/E
—
Balance Sheet
Total Assets
$6.42B
Equity
$5.04B
Total Debt
$647M
Cash & Equiv.
$235M
5Y CAGR: +0.2%
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