Triad Guaranty Inc. (TGIC) Stock Price & Analysis
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For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gemini-2.0-flash, generated Mar 18, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
Quick AnswerTriad Guaranty Inc. (TGIC) trades at $0.0001. Triad Guaranty Inc. operates in the mortgage guaranty insurance sector, currently in run-off under corrective orders. Sector: Financials.
Price as of · Last analyzed: Mar 18, 2026Analyst Coverage for TGIC: TGIC does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage.
No score published: we hold no usable price for this ticker, and a grade beside a missing price says nothing.
Triad Guaranty Inc. (TGIC) Financial Services Profile
Triad Guaranty Inc., operating in run-off under regulatory oversight, focuses on managing its mortgage guaranty insurance obligations. Founded in 1987 and based in Birmingham, Alabama, the company filed for Chapter 11 reorganization in 2013 and currently navigates its business under corrective orders from the Illinois Department of Insurance.
What Is the Investment Thesis for TGIC?
Triad Guaranty Inc. presents a unique investment case due to its status as a company in run-off operating under regulatory corrective orders. Key value drivers are tied to the efficient management of its remaining mortgage guaranty insurance obligations and the resolution of its Chapter 11 reorganization. Investors should closely monitor the company's progress in satisfying regulatory requirements and minimizing losses from its existing insurance portfolio. The company's market capitalization is $0.00B, and it has a negative P/E ratio of -0.00, reflecting its current financial state. A potential catalyst would be the successful resolution of its bankruptcy proceedings and the lifting of regulatory restrictions. However, the high beta of -289.65 indicates extreme volatility and sensitivity to market movements.
Based on FMP financials and quantitative analysis
TGIC Key Highlights
Triad Guaranty Inc. operates a mortgage guaranty insurance business in run-off.
- The company is under two corrective orders issued by the Illinois Department of Insurance.
- Triad Guaranty Inc. filed for Chapter 11 bankruptcy reorganization in 2013.
- The company's market capitalization is $0.00B, reflecting its distressed financial state.
- The company's beta is -289.65, indicating high volatility.
Who Are TGIC's Competitors?
TGIC is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | MoonshotScore |
|---|---|---|---|---|
| AIFU AIFU Inc. | $10.22 | -8.09% | $60.6M | — |
| JRVR James River Group Holdings, Ltd. | $3.49 | +1.16% | $161M | — |
| OSG Octave Specialty Group, Inc. | $4.60 | +6.98% | $207M | — |
| MBI MBIA Inc. | $4.40 | +2.56% | $224M | — |
| AMSF AMERISAFE, Inc. | $23.59 | -0.38% | $441M | — |
| ITIC Investors Title Company | $290.20 | +1.56% | $548M | — |
| TIPT Tiptree Inc. | $17.35 | +0.29% | $646M | — |
| HIPO Hippo Holdings Inc. | $32.24 | +2.32% | $851M | — |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are TGIC's Key Strengths?
Existing infrastructure for managing mortgage guaranty insurance policies.
- Experienced management team in run-off operations.
- Established relationships with mortgage lenders.
- Compliance with regulatory requirements.
What Are TGIC's Weaknesses?
Operations are restricted by corrective orders.
- Chapter 11 bankruptcy proceedings.
- Limited revenue generation due to run-off status.
- Negative market perception.
What Are the Key Risks for TGIC?
Financial-distress signal — its Altman Z-Score of -2.28 sits in the distress zone (elevated bankruptcy risk).
- Inconsistent delivery — missed Wall Street EPS estimates in 6 of the last 8 reported quarters.
- Weak fundamentals — a Piotroski F-Score of 1/9 flags soft profitability, leverage or efficiency.
- Prolonged bankruptcy proceedings, further delaying financial recovery.
- Increased regulatory scrutiny, leading to additional compliance costs.
- Economic downturn impacting mortgage defaults, increasing claims payouts.
- Adverse legal judgments, resulting in financial losses.
- Limited revenue generation due to run-off status.
What Are TGIC's Competitive Advantages?
- Existing portfolio of mortgage guaranty insurance policies.
- Established infrastructure for claims processing and policy management.
- Regulatory expertise in managing run-off operations.
- Legacy relationships with mortgage lenders and homeowners.
What Does TGIC Do?
Triad Guaranty Inc. was established in 1987 and is headquartered in Birmingham, Alabama. The company's primary business is mortgage guaranty insurance, conducted through its subsidiary, Triad Guaranty Insurance Corporation. However, the company's operations are currently in run-off, meaning it is focused on managing and paying out existing insurance policies rather than writing new ones. This situation arose following two corrective orders issued by the Illinois Department of Insurance. A significant event in the company's history was its voluntary filing for reorganization under Chapter 11 of the U.S. Bankruptcy Code on June 3, 2013, in the U.S. Bankruptcy Court for the District of Delaware. This filing reflects the financial challenges the company has faced. Currently, Triad Guaranty Inc. is focused on fulfilling its existing obligations under the supervision of regulatory authorities. The company does not actively solicit or underwrite new insurance policies.
What Products and Services Does TGIC Offer?
- Manage existing mortgage guaranty insurance policies.
- Process claims related to insured mortgages.
- Comply with corrective orders from the Illinois Department of Insurance.
- Operate in run-off, meaning no new policies are being written.
- Work to resolve Chapter 11 bankruptcy proceedings.
- Maintain regulatory compliance.
How Does TGIC Make Money?
- Managing and paying out existing mortgage guaranty insurance claims.
- Generating revenue from the remaining premiums on existing policies.
- Recovering funds from defaulted mortgages.
- Reducing administrative and operational costs.
What Industry Does TGIC Operate In?
Triad Guaranty Inc. operates within the specialty insurance segment of the financial services industry. The mortgage guaranty insurance sector is influenced by housing market trends, interest rates, and regulatory oversight. Companies in this sector provide insurance to lenders against losses resulting from borrower defaults. Given Triad Guaranty's current run-off status and regulatory constraints, it does not actively compete for new business. Instead, it focuses on managing its existing portfolio under challenging conditions. Competitors in the broader mortgage insurance market include companies like AFCL, CDIV, EPORP, GOOI, and JPPYY, which are actively underwriting new policies.
Who Are TGIC's Key Customers?
- Mortgage lenders who previously purchased guaranty insurance policies.
- Homeowners whose mortgages are insured by Triad Guaranty Inc.
- Creditors involved in the Chapter 11 bankruptcy proceedings.
- Regulatory bodies overseeing the company's operations.
Research confidence
Thin evidence — scoring coverage unknown. Treat this as a starting point, not a conclusion.
- ● Scoring coverage unknown
- ● No usable price
- ● No filing on record
- ● No analyst coverage
Financial Health
Triad Guaranty Inc.'s Piotroski F-Score is 1/9, a 9-point checklist of profitability, leverage and efficiency — flagging fundamental weakness worth scrutiny. Its Altman Z-Score of -2.28 places it in the distress zone, a signal of elevated financial risk.
Key Financial Metrics
Return on equity for Triad Guaranty Inc. stands at 16.7%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is -12.0%, showing how much profit it generates from its asset base. A current ratio of 0.65 means current liabilities exceed short-term assets, a liquidity point worth watching.
Company Profile
Triad Guaranty Inc. operates in the Insurance - Specialty industry within the Financial Services sector. It is headquartered in Birmingham, US. The company is led by CEO William Thomas Ratliff. TGIC has traded publicly since 1993.
Earnings Track Record
Triad Guaranty Inc. has missed Wall Street's EPS estimate in 6 of its last 8 reported quarters — a recurring pattern of falling short of estimates. Reported results have landed about 107.9% below estimates on average.
Insider Activity
7 transactions · 0 purchases, 0 sales, 7 other transactions · 2 identified insiders · most recent available transactions. Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent.
TGIC Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
TGIC Latest News
No recent news available for TGIC.
TGIC Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for TGIC.
Price Targets
Wall Street price target analysis for TGIC.
TGIC MoonshotScore
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. No MoonshotScore is published for TGIC; grades run from A+ (80-100) to F (below 30).
Leadership: William Thomas Ratliff
Unknown
William Thomas Ratliff is the managing leader of Triad Guaranty Inc., overseeing a team of 50 employees. His leadership is focused on navigating the company through its current challenges, including the Chapter 11 reorganization and compliance with regulatory corrective orders. Given the company's situation, his role likely involves significant interaction with legal and regulatory bodies.
Track Record: Due to the limited information available, it is difficult to assess William Thomas Ratliff's specific achievements and strategic decisions at Triad Guaranty Inc. His tenure has been marked by the company's efforts to manage its mortgage guaranty insurance business in run-off and address its financial challenges. Key milestones during his leadership include the Chapter 11 filing and ongoing efforts to comply with regulatory requirements. His focus is on stabilizing the company and maximizing value for stakeholders under difficult circumstances.
TGIC OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Triad Guaranty Inc. may not meet the minimum financial standards or disclosure requirements of the higher tiers like OTCQX or OTCQB. Companies in this tier often face significant financial challenges or regulatory issues. Investing in companies on the OTC Other tier carries substantial risk due to the limited information available and the potential for fraud or manipulation. These companies are typically not required to adhere to the same rigorous reporting standards as those listed on major exchanges like the NYSE or NASDAQ.
- OTC Tier: OTC Other
- Limited financial disclosure.
- Low trading volume and liquidity.
- Potential for fraud or manipulation.
- Higher risk of delisting or suspension of trading.
- Limited regulatory oversight.
- Verify the company's regulatory filings and compliance status.
- Assess the company's financial condition and ability to continue as a going concern.
- Review the company's management team and their experience.
- Evaluate the company's business model and competitive landscape.
- Understand the risks associated with investing in OTC stocks.
- Consult with a financial advisor before investing.
- Check for any legal or regulatory actions against the company.
- Company has been in operation since 1987.
- Company is managing existing insurance obligations.
- Company is working to resolve Chapter 11 bankruptcy proceedings.
- Company is complying with regulatory requirements.
What Investors Ask About Triad Guaranty Inc. (TGIC) — Financials
What are the main risks for TGIC?
The main risks for Triad Guaranty Inc. include the ongoing Chapter 11 bankruptcy proceedings, which could result in significant losses for shareholders. Economic downturns could increase mortgage defaults, leading to higher claims payouts. The company's OTC listing and limited financial disclosure also pose risks for investors.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
MoonshotScore is not published for this security.
Data provided for informational purposes only.
- Limited information available due to OTC listing and bankruptcy proceedings.