Magic Software Enterprises Ltd. (MGIC) is a global technology company specializing in a diverse range of software solutions and IT services. It ...
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Est. EPS $0.30 · Revenue $170.50M · 1 analysts
Est. EPS $0.29 · Revenue $162.10M · 1 analysts
Est. EPS $1.16 · Revenue $657.40M · 1 analysts
Est. EPS $1.23 · Revenue $631.73M · 1 analysts
$0.77 per share
$0.77 per share
EPS $0.20 · Revenue $161.66M
EPS $0.20 · Revenue $151.64M
EPS $0.19 · Revenue $147.34M
EPS $0.75 · Revenue $552.52M
| Metric | Latest | YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength. | QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes. |
|---|---|---|---|
| RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three). | $552.5M | +3.3% | +6.6% |
| Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day. | $36.9M | -0.4% | -2.2% |
| Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials. | +28.4% | -0.5% | -2.1% |
| Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on). | +11.1% | +3.8% | +2.6% |
| Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales. | +6.7% | -3.5% | -8.3% |
| Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock. | $73.3M | +8.8% | +211.9% |
| FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine. | +13.3% | +5.4% | +192.6% |
| Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe. | 31.1% | -24.0% | -1.1% |
| Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking. | 1.62x | -10.5% | -8.0% |
| Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground. | $540.3M | +3.4% | +3.4% |
| Metric | Annual (A vs E) | Annual Surprise | Quarter (A vs E) | Quarter Surprise |
|---|---|---|---|---|
| EPS Surprise | 0.75 vs 0.94 | -20.0% | 0.20 vs 0.27 | -25.9% |
| Revenue Surprise | $552.5M vs $546.9M | +1.0% | $161.7M vs $154.8M | +4.4% |
| Date | Executive | Title | Security | Side | Shares | Price |
|---|---|---|---|---|---|---|
| Mar 18, 2026 | Bernstein Guy | officer | — | — | 0 | — |
| Mar 18, 2026 | Berenstin Asaf | officer | — | — | 0 | — |
Operator: Ladies and gentlemen, thank you for standing by. Welcome to the Magic Software Enterprise 2025 Second Quarter Financial Results Conference Call. Magic's second quarter 2025 earnings release was issued before the market opened this morning, and it has been posted on the company's website at www.magicsoftware.com. [Operator Instructions] With us on the line today are Magic CEO, Mr. Guy Bernstein; Magic CFO, Mr. Asaf Berenstin; and Magic CTO, Mr. Yuval Lavi. Before we start, I would like to remind everyone that projections or other forward-looking statement may be provided on this conference call, the safe harbor provision provided in the press release issued today also applies to the content of this call. Magic expressly disclaims an obligation to update or advise any of these forward-looking statements, whether because of future events, new information, a change in its view or expectations or otherwise. Also during the course of today's call, management will refer to non-GAAP financial measures. A reconciliation schedule showing GAAP versus non-GAAP results has been provided in the press release issued before the market opened this morning. A replay of this call will be available after the call on the Investor Relations section of the company's website. I will now turn the call to Mr. Asaf Berenstin, CFO of Magic Software. Please go ahead. Asaf Berenstin: Thank you, operator, and thank you, everyone, for joining us today as we report our second quarter 2025 financial results. During the call today, I will review highlights from our second quarter results and provide an overview of our outlook. Revenue in the second quarter of 2025 increased to a quarterly all-time record of $151.6 million, up approximately 11.3% from the second quarter of 2024 and sequential growth of 2.8%. This quarter showcase solid execution with Israel delivering a year-over-year double-digit growth of 18.8% with more than 90% organic, primarily resulted from strong demand for our cloud, DevOps and AI services, along with continued strong demand for our services in the defense sector. Our North American operations delivered strong performance this quarter, with revenue increasing approximately 6.5% year-over- year and 6% on a sequential basis. In the United States results for the first half of 2025 reflected approximately 9% year-over-year revenue growth, driven by agreements executed in late 2024 and early 2025. We are beginning to see signs of improvement in the U.S. market, reinforcing our positive momentum and positioning us for continued growth through the second half of the year. We remain steadfast in our global commitment and confident in our ability to drive continued growth through sales of our world-class product suit and delivery of high-value services. Leveraging our AI low-code/no-code cloud-based platform and managed services, we are well positioned to meet the accelerating demand for automation, digitization and innovative software solutions. Our …
| Name | Title | Compensation | Gender | Year Born | Status |
|---|---|---|---|---|---|
Yakov Tsaroya | Chief Executive Officer of Coretech Consulting Group LLC, | USD 1,509,376 | Male | 1970 | Active |
Eli Schwartz | Chief Executive Officer of Comblack I.T. Ltd. | USD 668,955 | Male | 1983 | Active |
Arik Faingold | President of Integration Solutions Division | USD 662,680 | Male | 1977 | Active |
Idan Faingold | Chief Executive Officer of CommIT Technology Solutions Ltd | USD 632,713 | Male | 1978 | Active |
Arik Kilman | Chairman of Software Solutions Division | USD 602,772 | Male | 1953 | Active |
Asaf Berenstin | Chief Financial Officer | USD 548,000 | Male | 1978 | Active |
Yuval Baruch | Chief Executive Officer of Hermes Logistics Technologies | USD 451,825 | Male | 1967 | Active |
Hanan Shahaf | Chief Executive Officer of Roshtov Software Industries Ltd | USD 325,620 | Male | 1952 | Active |
Ronen Engler | Vice President of Sales | — | Male | 1972 | Active |
Karin Netzer | Chief Marketing Officer | — | Female | — | Active |
Eric Choppe | Managing Director of Southern Europe | — | — | — | Active |
Guy Bernstein | Chief Executive Officer & Director | — | Male | 1968 | Active |
Lior Blik | Chief Executive Officer | — | Male | — | Active |
Yuval Lavi | Vice President Technology & Innovation - Software Solutions division | — | Male | 1969 | Active |
MGIC Investment NYSE: MTG reported second-quarter 2026 net income of $182 million, or $0.86 per diluted share, as favorable reserve development and lower operating expenses supported results. The mortgage insurer recorded an annualized return on equity of 14.5% and said book value per share rose 10% from a year earlier to $24.27.
MTG's Q2 results reflect strong underwriting and lower delinquencies, though lower premiums and investment income weigh on revenue.
Second Quarter 2026 Net Income of $182.1 million or $0.86 per Diluted Share Second Quarter 2026 Adjusted Net Operating Income (Non-GAAP) of $183.7 million or $0.87 per Diluted Share MILWAUKEE, July 29, 2026 /PRNewswire/ -- MGIC Investment Corporation (NYSE: MTG) today reported operating and financial results for the second quarter of 2026. Tim Mattke, CEO of MTG and Mortgage Guaranty Insurance Corporation ("MGIC") said, "Our strong second quarter results, highlighted by a 14.5% return on equity, reflect the continued success of our disciplined execution.
MILWAUKEE, July 23, 2026 /PRNewswire/ -- MGIC Investment Corporation (NYSE: MTG) announced that its Board of Directors declared a quarterly cash dividend of $0.17 per share, an increase of 13% from the last quarterly dividend paid of $0.15 per share. This quarter's dividend will be payable on August 20, 2026, to shareholders of record as of August 5, 2026.
MILWAUKEE, July 2, 2026 /PRNewswire/ -- MGIC Investment Corporation (NYSE: MTG) has announced plans to release its second quarter 2026 financial results after the market closes on Wednesday, July 29, 2026. A conference call/webcast has been scheduled for 10:00 a.m.
