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Radian Group Inc. RDN R2K

Financial Services · Insurance - Specialty · United States
https://www.radian.com

Radian Group Inc., together with its subsidiaries, provides mortgage insurance in the United States. It aggregates, manages, and distributes mortgage credit risk for the benefit of mortgage lending institutions and mortgage credit investors through private mortgage insurance on residential first-lien mortgage loans. The company also offers private mortgage insurance, specialty insurance, and reinsurance lines. It serves mortgage originators, such as mortgage banks, commercial banks, savings institutions, credit unions, and community banks. The company was formerly known as CMAC Investment Corp. and changed its name to Radian Group Inc. in June 1999. Radian Group Inc. was founded in 1977 and is headquartered in Wayne, Pennsylvania.

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$34.15
+3.01% 1Y

Market & Price

Market Cap
$4.54B
Current Price
$34.15
High / Low (52W)
$38.06 / $31.43
Beta
0.76

Valuation

Stock P/E
7.96
Industry PE
12.01
Forward P/E
6.22
PEG Ratio
0.76
Book Value
$35.29
Price to Book
0.97
P/S
3.31
EV/EBITDA
5.70
Dividend Yield
2.99%

Profitability & Returns

ROCE
-
ROE
12.68%
ROA
5.69%
Profit Margin
41.02%
Op Margin
46.59%
EPS (Latest Qtr)
$0.89
EPS (TTM)
$4.29

Balance Sheet & Liquidity

Debt/Equity
0.29
Quick Ratio
0.62
Current Ratio
1.57
Debt
$1.38B
Total Assets
$8.12B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
1.53%
Chg in Prom Hold
-0.00%
FII / Inst Holding
96.97%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
$5.27B
Total Revenue (TTM)
$1.37B
EBITDA
$924.14M
Free Cash Flow
$275.72M
Operating Cash Flow
$337.08M
Shares Outstanding
132.98M
Gross Margin
82.48%
Payout Ratio
23.78%

Growth (CAGR)

Revenue 5Y
0.18%
Profit 5Y
-7.78%
Revenue (YoY)
58.80%
Earnings (YoY)
-9.00%

PROS

  • Excellent profit margin of 41.0%.
  • Attractive dividend yield of 2.99%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

  • Earnings shrank at -7.8% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 RDN Radian Group Inc. R2K 34.15 7.96 $4.54B 2.99% - 12.68% 0.18% -7.78%
2 JPM JPMorgan Chase & Co. SPX 299.31 14.33 $802.00B 2.00% - 16.47% 12.50% 14.83%
3 V Visa Inc. SPX 326.36 28.48 $620.65B 0.82% 38.38% 60.35% 10.92% 10.28%
4 MA Mastercard Incorporated SPX 493.98 28.57 $436.47B 0.70% 61.47% - 13.82% 14.66%
5 MS Morgan Stanley SPX 208.00 18.84 $328.08B 1.92% - 16.39% 9.52% 15.20%
6 GS The Goldman Sachs Group, Inc. SPX 1,025.56 18.73 $302.55B 1.76% - 14.55% 7.16% 15.11%
7 WFC Wells Fargo & Company SPX 77.54 11.98 $237.29B 2.32% - 12.03% 4.02% 15.98%
8 BLK BlackRock, Inc. SPX 1,046.88 26.32 $162.51B 2.19% 4.89% 11.90% 10.65% 2.36%
9 SCHW The Charles Schwab Corporation SPX 87.35 17.37 $151.91B 1.47% - 19.08% 4.83% 7.21%
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Quarterly Results

Figures in USD.

Metric Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue 297.29M-312.95M330.17M320.88M-288.75M302.91M312.05M-291.59M319.26M330.69M-363.63M394.96M380.34M-329.08M364.44M375.23M-328.81M336.99M325.76M292.98M286.83M296.19M309.85M289.58M312.51M301.67M298.58M--294.83M317.82M310.74M279.16M466.34M
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income -----------------------------------215.20M200.89M215.88M217.71M194.26M
EBITDA ----------------------------------------
Interest Expense -----------------------------------16.49M25.87M17.18M16.68M20.59M
Pretax Income -----------------------------------198.71M175.01M198.69M201.04M173.66M
Tax Provision -----------------------------------46.62M33.22M45.89M42.24M44.20M
Net Income 70.09M74.53M66.25M98.11M82.80M61.09M76.47M-27.34M65.14M6.82M114.49M208.95M142.80M139.78M170.96M166.73M173.44M161.18M140.46M-29.95M135.10M148.01M125.61M155.21M126.41M181.13M201.19M198.28M157.76M146.09M156.58M152.35M151.90M--144.56M141.80M141.44M154.84M124.09M
Diluted EPS 0.290.320.290.440.370.270.34-0.130.300.030.520.960.660.640.780.780.830.790.70-0.150.700.760.640.800.671.011.151.200.980.910.980.980.98-0.980.981.021.03-0.89

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue 1.31B417.46M1.95B902.74M749.91M1.07B1.19B1.24B1.22B1.27B1.53B1.44B-1.19B1.18B1.21B1.20B
Cost of Revenue -----------------
Gross Profit -----------------
Operating Expenses -----------------
Operating Income -242.28M-1.58B368.51M-444.20M-207.06M--------1.04B950.07M929.34M859.00M
EBITDA -----------------
Interest Expense -------------84.45M86.19M83.73M67.78M
Pretax Income -------------952.78M863.88M845.61M791.23M
Tax Provision -------------209.84M188.02M185.29M173.05M
Net Income -147.88M-1.81B302.15M-451.47M-196.99M959.52M286.92M308.25M121.09M606.01M672.31M393.63M-742.93M603.12M604.44M582.64M
Diluted EPS -1.80-15.742.26-3.41-1.184.161.221.370.552.773.202.00-4.353.773.924.14

Compounded Sales Growth

5 Years:0.18%
1 Year:58.80%

Compounded Profit Growth

5 Years:-7.78%
1 Year:-9.00%

Stock Price Performance

1 Year:+3.01%
6 Months:-3.20%
3 Months:-1.07%
1 Month:-8.47%

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets -8.06B7.62B6.66B5.90B5.62B6.84B5.64B5.86B5.90B6.31B6.81B7.95B-7.06B7.59B8.69B8.12B
Current Assets ------------------
Cash & Equivalents 75.83M41.57M20.33M33.02M29.41M22.88M30.46M46.90M52.15M80.57M95.39M92.73M87.92M-56.18M19.00M19.22M24.83M
Inventory ------------------
Receivables --------------145.47M149.77M155.55M169.00M
Total Liabilities --6.76B5.47B5.17B4.68B4.67B3.15B2.99B2.90B2.83B2.76B3.66B-3.14B3.20B4.07B3.34B
Current Liabilities ------------------
Long Term Debt --964.79M818.58M663.57M930.07M1.19B1.22B1.07B1.03B----1.46B1.02B1.11B1.11B
Total Debt --------------1.57B1.58B1.14B1.13B
Total Equity --859.78M1.18B736.33M939.64M2.10B2.50B2.87B3.00B3.49B4.05B4.28B-3.92B4.40B4.62B4.78B
Shares Outstanding --------------176.51M173.25M168.35M156.91M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow ----510.50M-664.94M-146.26M11.72M381.72M360.57M677.79M694.43M658.43M-388.30M529.43M-663.57M119.86M
Investing Cash Flow 83.46M-47.78M1.07B661.07M60.30M-336.04M2.79M-176.06M-201.49M-689.41M-302.05M-883.18M--5.17M-300.84M327.75M127.29M
Financing Cash Flow -146.45M886.65M-161.33M-154.60M596.94M482.02M601.00K-203.27M-125.08M22.39M-403.11M222.62M--479.18M-265.09M357.23M-243.10M
Capital Expenditure --------------17.67M-8.53M-1.56M-4.21M
Free Cash Flow -------------370.63M520.90M-665.13M115.66M
Net Change in Cash --------------96.06M-36.49M21.41M4.05M
Share Buybacks ----00202.00M100.19M6.00K50.05M300.20M226.31M399.10M400.19M133.31M225.06M431.91M

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -18.4%-378.4%18.9%-49.2%-27.6%--------87.1%80.7%77.0%71.8%
Net Margin % -11.3%-432.6%15.5%-50.0%-26.3%89.5%24.0%24.9%9.9%47.6%44.0%27.4%-62.4%51.2%50.1%48.7%
ROE % --210.0%25.6%-61.3%-21.0%45.8%11.5%10.7%4.0%17.4%16.6%9.2%-19.0%13.7%13.1%12.2%
ROCE % -----------------

Shareholding Pattern

Insiders
1.53%
Institutions
96.97%
Public Float
98.47%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 14.25% 18.95M $646.98M
2 Vanguard Portfolio Management LLC 7.03% 9.35M $319.22M
3 LSV Asset Management 4.62% 6.15M $210.02M
4 Vanguard Capital Management LLC 4.57% 6.07M $207.36M
5 Dimensional Fund Advisors LP 4.47% 5.95M $203.14M
6 State Street Corporation 4.33% 5.75M $196.44M
7 Donald Smith & Co., Inc. 3.46% 4.61M $157.29M
8 American Century Companies Inc 3.45% 4.58M $156.56M
9 Geode Capital Management, LLC 2.57% 3.42M $116.65M
10 Citadel Advisors Llc 1.58% 2.10M $71.75M

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