Overview Dividends

(RDN) Radian - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US7502361014

Mortgage Insurance, Title Services, Real Estate Valuation, Asset Management, Real Estate Technology

EPS (Earnings per Share)

EPS CAGR: 0.69%
EPS Trend: 38.2%

Last SUE: 1.33σ
Qual. Beats: 1

Revenue

Revenue CAGR: -0.46%
Revenue Trend: 31.8%

Last SUE: 0.02σ
Qual. Beats: 0

Risk via 10d forecast
Volatility	23.9%
Value at Risk 5%th	39.7%
Relative Tail Risk	1.15%

Reward TTM
Sharpe Ratio	0.17
Alpha	-2.70

Character TTM
Hurst Exponent	0.507
Beta	0.636
Beta Downside	0.654

Drawdowns 3y
Max DD	16.50%
Mean DD	5.61%
Median DD	5.67%

Description: RDN Radian November 05, 2025

Radian Group Inc. (NYSE:RDN) operates a diversified mortgage-and-real-estate services platform in the United States, offering private mortgage insurance, title and escrow services, appraisal management, and real-estate technology solutions to mortgage originators, lenders, investors, and government-sponsored enterprises.

As of FY 2023, Radian reported $1.1 billion in mortgage-insurance premiums and a combined ratio of 96.2%, delivering net income of $210 million and a return on equity (ROE) of roughly 12%, reflecting solid profitability despite a volatile interest-rate environment.

The company’s performance is closely tied to macro drivers such as U.S. mortgage-rate trends, housing-market activity (e.g., existing-home sales and new-home starts), and the underwriting standards of GSEs (Fannie Mae and Freddie Mac). A sustained rise in rates can compress mortgage-insurance demand, while a rebound in home-buyer activity typically boosts premium volume.

For a deeper dive into RDN’s valuation metrics and peer comparison, the ValueRay platform offers a concise, data-driven overview that can help you assess the stock’s risk-adjusted upside.

RDN Stock Overview

Market Cap in USD	4,790m
Sub-Industry	Commercial & Residential Mortgage Finance
IPO / Inception	1992-10-30
Return 12m vs S&P 500	-9.69%
Analyst Rating	3.50 of 5

RDN Dividends

Metric	Value
Dividend Yield	2.87%
Yield on Cost 5y	6.13%
Yield CAGR 5y	18.32%
Payout Consistency	88.9%
Payout Ratio	24.5%

RDN Growth Ratios

Metric	Value
CAGR 3y	26.30%
CAGR/Max DD Calmar Ratio	1.59
CAGR/Mean DD Pain Ratio	4.69
Current Volume	718.9k
Average Volume	781.4k

Piotroski VR‑10 (Strict, 0-10) 5.0

Net Income (576.1m TTM) > 0 and > 6% of Revenue (6% = 75.8m TTM)

FCFTA -0.07 (>2.0%) and ΔFCFTA -5.25pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -68.78% (prev 486.4%; Δ -555.2pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA -0.07 (>3.0%) and CFO -556.5m <= Net Income 576.1m (YES >=105%, WARN >=100%)

Net Debt (1.14b) to EBITDA (908.7m) ratio: 1.25 <= 3.0 (WARN <= 3.5)

Current Ratio 0.14 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (137.9m) change vs 12m ago -9.90% (target <= -2.0% for YES)

Gross Margin 92.11% (prev 94.92%; Δ -2.81pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 15.19% (prev 15.28%; Δ -0.08pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 9.53 (EBITDA TTM 908.7m / Interest Expense TTM 88.1m) >= 6 (WARN >= 3)

Altman Z'' 3.39

(A) -0.11 = (Total Current Assets 144.0m - Total Current Liabilities 1.01b) / Total Assets 8.20b

(B) 0.61 = Retained Earnings (Balance) 5.01b / Total Assets 8.20b

(D) 1.35 = Book Value of Equity 4.79b / Total Liabilities 3.55b

Total Rating: 3.39 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 54.80

1. Piotroski 5.0pt

2. FCF Yield data missing

3. FCF Margin -44.36%

4. Debt/Equity 0.25

5. Debt/Ebitda 1.25

6. ROIC - WACC (= 2.48)%

7. RoE 12.55%

8. Rev. Trend 31.79%

9. EPS Trend 38.20%

What is the price of RDN shares?

As of November 26, 2025, the stock is trading at USD 35.55 with a total of 718,929 shares traded.
Over the past week, the price has changed by +3.85%, over one month by +6.45%, over three months by +2.93% and over the past year by +3.26%.

Is RDN a buy, sell or hold?

Radian has received a consensus analysts rating of 3.50. Therefor, it is recommend to hold RDN.

Strong Buy: 1
Buy: 2
Hold: 2
Sell: 1
Strong Sell: 0

What are the forecasts/targets for the RDN price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	39	9.7%
Analysts Target Price	39	9.7%
ValueRay Target Price	43.4	22.1%

RDN Fundamental Data Overview November 25, 2025

Market Cap USD = 4.79b (4.79b USD * 1.0 USD.USD)
P/E Trailing = 8.9268
P/E Forward = 7.57
P/S = 3.7617
P/B = 1.0295
P/EG = 1.18
Beta = 0.835
Revenue TTM = 1.26b USD
EBIT TTM = 839.3m USD
EBITDA TTM = 908.7m USD
Long Term Debt = 1.08b USD (from longTermDebt, last quarter)
Short Term Debt = 47.2m USD (from shortTermDebt, last quarter)
Debt = 1.15b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.14b USD (from netDebt column, last quarter)
Enterprise Value = 353.7m USD (4.79b + Debt 1.15b - CCE 5.59b)
Interest Coverage Ratio = 9.53 (Ebit TTM 839.3m / Interest Expense TTM 88.1m)
FCF Yield = -158.4% (FCF TTM -560.2m / Enterprise Value 353.7m)
FCF Margin = -44.36% (FCF TTM -560.2m / Revenue TTM 1.26b)
Net Margin = 45.61% (Net Income TTM 576.1m / Revenue TTM 1.26b)
Gross Margin = 92.11% ((Revenue TTM 1.26b - Cost of Revenue TTM 99.6m) / Revenue TTM)
Gross Margin QoQ = 91.94% (prev 91.28%)
Tobins Q-Ratio = 0.04 (Enterprise Value 353.7m / Total Assets 8.20b)
Interest Expense / Debt = 1.49% (Interest Expense 17.2m / Debt 1.15b)
Taxrate = 23.10% (45.9m / 198.7m)
NOPAT = 645.5m (EBIT 839.3m * (1 - 23.10%))
Current Ratio = 0.14 (Total Current Assets 144.0m / Total Current Liabilities 1.01b)
Debt / Equity = 0.25 (Debt 1.15b / totalStockholderEquity, last quarter 4.65b)
Debt / EBITDA = 1.25 (Net Debt 1.14b / EBITDA 908.7m)
Debt / FCF = -2.03 (negative FCF - burning cash) (Net Debt 1.14b / FCF TTM -560.2m)
Total Stockholder Equity = 4.59b (last 4 quarters mean from totalStockholderEquity)
RoA = 7.02% (Net Income 576.1m / Total Assets 8.20b)
RoE = 12.55% (Net Income TTM 576.1m / Total Stockholder Equity 4.59b)
RoCE = 14.80% (EBIT 839.3m / Capital Employed (Equity 4.59b + L.T.Debt 1.08b))
RoIC = 9.44% (NOPAT 645.5m / Invested Capital 6.84b)
WACC = 6.96% (E(4.79b)/V(5.94b) * Re(8.36%) + D(1.15b)/V(5.94b) * Rd(1.49%) * (1-Tc(0.23)))
Discount Rate = 8.36% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -6.34%
Fair Price DCF = unknown (Cash Flow -560.2m)
EPS Correlation: 38.20 | EPS CAGR: 0.69% | SUE: 1.33 | # QB: 1
Revenue Correlation: 31.79 | Revenue CAGR: -0.46% | SUE: 0.02 | # QB: 0

Additional Sources for RDN Stock

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