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Profile - Triad Guaranty Inc. (NasdaqNM:TGIC)
As of 31-Aug-2001
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More Info: Quote | Chart | News | Profile | Research | SEC | Msgs | Insider | Financials
Location
101 South Stratford Road, Suite 500
Winston-Salem, NC 27104
Phone: (336) 723-1282
Fax: (336) 723-0343
Email: investor@tgic.com
Employees (last reported count): 179
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Analyst Upgrade/Downgrade History
 ·Historical Quote Data
 ·Free Annual Report
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: Insurance (Prop. & Casualty)
Company Website
 ·Home Page

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Ownership
·Insider and 5%+ Owners: 36%
·Over the last 6 months:
 · 8 insider sells; 353.0K shares
  (6.7% of insider shares)
·Institutional: 45% (69% of float)
(161 institutions)
·Net Inst. Buying: 654.0K shares (+9.68%)
(prior quarter to latest quarter)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
Triad Guaranty Inc. is a holding company that, through its wholly owned subsidiary, Triad Guaranty Insurance Corp., provides private mortgage insurance coverage in the United States to residential mortgage lenders, including mortgage bankers, mortgage brokers, commercial banks and savings institutions. Private mortgage insurance, also known as mortgage guaranty insurance, is issued in most home purchases and refinancings involving conventional residential first mortgage loans to borrowers with equity of less than 20%. If the homeowner defaults, private mortgage insurance reduces, and in some instances eliminates, the loss to the insured lender. There are two principal types of private mortgage insurance coverage, primary insurance and pool insurance.
More from Market Guide: Expanded Business Description

Financial Summary
TGIC is a holding Co. for Triad Guaranty Insurance Corp., which provides private mortgage insurance coverage in the U.S. to residential mortgage lenders, including mortgage bankers, mortgage brokers, and commercial banks. For the six months ended 6/30/01, revenues rose 18% to $49.5 million. Earnings rose 21% to $20.8 million. Results reflect growth in insurance in force and new insurance written, a $1.9 million incentive payment related to a contract cancellation and improved margins.
More from Market Guide: Significant Developments

Officers[Insider Trade Data]
FY2000 Pay

William Ratliff, III, 47
Chairman of the Company and Triad
--  
Darryl Thompson, 60
Pres, CEO, Director of the Company and Triad
$525K
Ron Kessinger, 46
CFO, Exec. VP
389K
Michael Oswalt, 39
Sr. VP, Controller, Treasurer and Principal Accounting Officer of the Company & Triad
--  
Earl Wall, 43
Sr. VP, Gen. Counsel, Sec. of the Company and Triad
255K
Dollar amounts are as of 31-Dec-2000 and compensation values are for the fiscal year ending on that date; "Pay" is salary, bonuses, etc..
More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options
Statistics at a Glance -- NasdaqNM:TGICAs of 31-Aug-2001
Price and Volume
52-Week Low
on 6-Sep-2000
$23.875
Recent Price$35.93 
52-Week High
on 29-June-2001
$40.14 
Beta0.26 
Daily Volume (3-month avg)48.0K
Daily Volume (10-day avg)48.0K
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y | 5y | max]
52-Week Change+49.7%
52-Week Change
relative to S&P500
+100.8%
Share-Related Items
Market Capitalization$491.7M
Shares Outstanding13.7M
Float8.80M
Dividends & Splits
Annual Dividendnone 
Last Split: 2 for 1 on 29-Oct-1997
Per-Share Data
Book Value (mrq)$16.54 
Earnings (ttm)$2.79 
Earnings (mrq)$0.70 
Sales (ttm)$6.68 
Cash (mrq)$0.01 
Valuation Ratios
Price/Book (mrq)2.17 
Price/Earnings (ttm)12.87 
Price/Sales (ttm)5.38 
Income Statements
Sales (ttm)$92.5M
EBITDAN/A 
Income available to common (ttm)$38.6M
Profitability
Profit Margin (ttm)41.8%
Operating Margin (ttm)60.2%
Fiscal Year
Fiscal Year EndsDec 31
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)11.86%
Return on Equity (ttm)19.33%
Financial Strength
Current RatioN/A 
Debt/Equity (mrq)0.15 
Total Cash (mrq)$198.0K
Short Interest
As of 8-Aug-2001
Shares Short40.0K
Percent of Float0.5%
Shares Short
(Prior Month)
41.0K
Short Ratio1.38 
Daily Volume29.0K
See Profile Help for a description of each item above;   K = thousands;   M = millions;   mrq = most-recent quarter;   ttm = trailing twelve months;   (as of 30-June-2001)

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