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Sagen MI Canada Inc T.MIC


Primary Symbol: T.MIC.PR.A

Sagen MI Canada Inc. is a Canada-based company, operating through its wholly owned subsidiary, Sagen Mortgage Insurance Company Canada, doing business as Sagen, which is a residential mortgage insurer in Canada. The Company provides mortgage default insurance to Canadian residential mortgage lenders, making homeownership accessible to first-time homebuyers. It has built a broad underwriting and distribution platform that provides customer-focused products and support services to Canada’s residential mortgage lenders and originators. The Company underwrites mortgage insurance for residential properties in all provinces and territories of Canada and has the market share among private sector mortgage insurers. The Company’s products and services include Homebuyer 95 Program, New to Canada Program, Investment Property Program, Family Plan Program, Second Mortgage Program, Progress Advance Program, Energy Efficient Housing Program and Purchase Plus Improvements Program.


TSX:MIC.PR.A - Post by User

Comment by TimeScapeon Dec 06, 2019 4:24am
162 Views
Post# 30427878

RE:RE:Another Special Dividend

RE:RE:Another Special DividendThe special dividends are dividends for tax purposes, not return of capital.  Some income trusts and REITs will include a return of capital component in their distributions, and that portion is treated differently, with no dividend tax credit.  These specials get the full dividend treatment with dividend tax credit, as long as the stock is not held within a registered account, of course, just like the regular dividends.

The comment you heard about return of capital probably was considering the fact that the total amount of the special dividends is higher than the current year's net income - the company has been paying out a fairly low regular dividend, well below the net earnings, and has built up quite a large cash balance, which is an inefficient use of capital, so the company is returning some of that cash to the investors, but it's not a return of your capital, it's from previous year's net income which had not been paid out to shareholders - hence the tax treatment as dividends.
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