Triad Guaranty, Inc. (Property/Casualty) operates as a holding company, which engages in private mortgage insurance services. The company is headquartered in Birmingham, Alabama and currently employs 50 full-time employees. The firm supports loss mitigation programs available whether they are administered by the federal government; state government; or mortgage loan servicers or investors. The firm works with the servicer and the borrower for homeowner retention and/or minimization of the loss. The firm provides services, such as mitigation approval process and support for loss mitigation. The firm also provides assistance to its servicers by providing several options for default reporting and claim submission, such as electronic transmission, hard copy mailing and facsimile.
Financials in millions USD. Fiscal year is February - January.
Breakdown
TTM
12/31/2011
12/31/2010
12/31/2009
12/31/2008
12/31/2007
Revenue
176
207
254
237
270
308
Revenue Growth (YoY)
-11%
-19%
7%
-12%
-12%
28.99%
Cost of Revenue
--
--
--
--
--
--
Gross Profit
--
--
--
--
--
--
Selling, General & Admin
--
--
--
--
--
--
Research & Development
--
--
--
--
--
--
Operating Expenses
318
296
140
843
1,021
435
Other Non Operating Income (Expenses)
--
--
--
--
--
--
Pretax Income
-162
-107
102
-611
-754
-130
Income Tax Expense
1
0
0
-16
-123
-53
Net Income
-163
-107
132
-595
-631
-77
Net Income Growth
715%
-181%
-122%
-6%
719%
-218%
Shares Outstanding (Diluted)
15.32
15.24
15.15
15
14.92
14.82
Shares Change (YoY)
0%
1%
1%
0%
1%
-1%
EPS (Diluted)
-10.65
-7.06
8.71
-39.7
-42.27
-5.22
EPS Growth
713%
-181%
-122%
-6%
709%
-219%
Free Cash Flow
-84
-76
57
-134
145
185
Free Cash Flow Per Share
--
--
--
--
--
--
Gross Margin
--
--
--
--
--
--
Operating Margin
-80.68%
-42.99%
44.88%
-255.27%
-277.77%
-40.9%
Profit Margin
-92.61%
-51.69%
51.96%
-251.05%
-233.7%
-25%
Free Cash Flow Margin
-47.72%
-36.71%
22.44%
-56.54%
53.7%
60.06%
EBITDA
-142
-89
115
-603
-709
-125
EBITDA Margin
-80.68%
-42.99%
45.27%
-254.43%
-262.59%
-40.58%
D&A For EBITDA
0
0
1
2
41
1
EBIT
-142
-89
114
-605
-750
-126
EBIT Margin
-80.68%
-42.99%
44.88%
-255.27%
-277.77%
-40.9%
Effective Tax Rate
-0.61%
0%
0%
2.61%
16.31%
40.76%
Follow-Up Questions
What are Triad Guaranty Inc's key financial statements?
According to the latest financial statement (Form-10K), Triad Guaranty Inc has a total asset of $896, Net loss of $-107
What are the key financial ratios for TGIC?
Triad Guaranty Inc's Current ratio is 0.56, has a Net margin is -51.69, sales per share of $13.57.
How is Triad Guaranty Inc's revenue broken down by segment or geography?
Triad Guaranty Inc largest revenue segment is Carbon Credits, at a revenue of 149,953,589 in the most earnings release.For geography, Canada is the primary market for Triad Guaranty Inc, at a revenue of 149,953,589.
Is Triad Guaranty Inc profitable?
no, according to the latest financial statements, Triad Guaranty Inc has a net loss of $-107
Does Triad Guaranty Inc have any liabilities?
yes, Triad Guaranty Inc has liability of 1,599
How many outstanding shares for Triad Guaranty Inc?
Triad Guaranty Inc has a total outstanding shares of 15.32