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

RDN EPS (Earnings per Share)

EPS Growth (3Y CAGR): -58.99%
EPS Trend (3Y Correlation): -44.9%

RDN Revenue

Revenue Growth (3Y CAGR): 2.60%
Revenue Trend (3Y Correlation): 58.1%

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	4,647m
Sub-Industry	Commercial & Residential Mortgage Finance
IPO / Inception	1992-10-30

RDN Stock Ratings

Growth Rating	75.4%
Fundamental	48.7%
Dividend Rating	76.1%
Return 12m vs S&P 500	-12.1%
Analyst Rating	3.50 of 5

RDN Dividends

Dividend Yield 12m	2.98%
Yield on Cost 5y	6.49%
Annual Growth 5y	18.32%
Payout Consistency	91.7%
Payout Ratio	32.7%

RDN Growth Ratios

Growth Correlation 3m	-46.9%
Growth Correlation 12m	58.5%
Growth Correlation 5y	87.3%
CAGR 5y	21.75%
CAGR/Max DD 3y (Calmar Ratio)	1.32
CAGR/Mean DD 3y (Pain Ratio)	3.73
Sharpe Ratio 12m	-0.17
Alpha	-7.87
Beta	0.835
Volatility	23.40%
Current Volume	961.1k
Average Volume 20d	750.5k
Stop Loss	32.8 (-3.2%)
Signal	0.84

Piotroski VR‑10 (Strict, 0-10) 6.0

Net Income (586.5m TTM) > 0 and > 6% of Revenue (6% = 77.1m TTM)

FCFTA -0.09 (>2.0%) and ΔFCFTA -11.40pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -67.58% (prev 462.5%; Δ -530.1pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA -0.14 (>3.0%) and CFO -1.15b <= Net Income 586.5m (YES >=105%, WARN >=100%)

Net Debt (-15.3m) to EBITDA (708.5m) ratio: -0.02 <= 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 (138.4m) change vs 12m ago -10.39% (target <= -2.0% for YES)

Gross Margin 95.24% (prev 73.34%; Δ 21.90pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 15.74% (prev 15.75%; Δ -0.01pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 6.36 (EBITDA TTM 708.5m / Interest Expense TTM 100.3m) >= 6 (WARN >= 3)

Altman Z'' 3.24

(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: 3.24 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 48.70

1. Piotroski 6.0pt = 1.0

2. FCF Yield -9.66% = -4.83

3. FCF Margin -59.05% = -7.50

4. Debt/Equity 0.69 = 2.27

5. Debt/Ebitda -0.02 = 2.50

6. ROIC - WACC (= 1.68)% = 2.10

7. RoE 12.64% = 1.05

8. Rev. Trend 58.08% = 4.36

9. EPS Trend -44.91% = -2.25

What is the price of RDN shares?

As of November 08, 2025, the stock is trading at USD 33.90 with a total of 961,087 shares traded.
Over the past week, the price has changed by +0.44%, over one month by -2.42%, over three months by +2.02% and over the past year by +0.95%.

Is Radian a good stock to buy?

No, based on ValueRay´s Fundamental Analyses, Radian (NYSE:RDN) is currently (November 2025) a stock to sell. It has a ValueRay Fundamental Rating of 48.70 and therefor a negative outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of RDN is around 37.06 USD . This means that RDN is currently overvalued and has a potential downside of 9.32%.

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	38.8	14.5%
Analysts Target Price	38.8	14.5%
ValueRay Target Price	40.3	18.8%

RDN Fundamental Data Overview November 06, 2025

Market Cap USD = 4.65b (4.65b USD * 1.0 USD.USD)
P/E Trailing = 8.6206
P/E Forward = 7.3692
P/S = 3.6142
P/B = 1.0552
P/EG = 1.18
Beta = 0.835
Revenue TTM = 1.29b USD
EBIT TTM = 637.3m USD
EBITDA TTM = 708.5m USD
Long Term Debt = 1.83b USD (from longTermDebt, last quarter)
Short Term Debt = 87.5m USD (from shortTermDebt, last quarter)
Debt = 3.22b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -15.3m USD (from netDebt column, last quarter)
Enterprise Value = 7.86b USD (4.65b + Debt 3.22b - CCE 15.3m)
Interest Coverage Ratio = 6.36 (Ebit TTM 637.3m / Interest Expense TTM 100.3m)
FCF Yield = -9.66% (FCF TTM -758.9m / Enterprise Value 7.86b)
FCF Margin = -59.05% (FCF TTM -758.9m / Revenue TTM 1.29b)
Net Margin = 45.64% (Net Income TTM 586.5m / Revenue TTM 1.29b)
Gross Margin = 95.24% ((Revenue TTM 1.29b - Cost of Revenue TTM 61.1m) / Revenue TTM)
Gross Margin QoQ = 93.93% (prev 93.21%)
Tobins Q-Ratio = 0.96 (Enterprise Value 7.86b / Total Assets 8.20b)
Interest Expense / Debt = 0.80% (Interest Expense 25.9m / Debt 3.22b)
Taxrate = 18.98% (33.2m / 175.0m)
NOPAT = 516.3m (EBIT 637.3m * (1 - 18.98%))
Current Ratio = 0.14 (Total Current Assets 144.0m / Total Current Liabilities 1.01b)
Debt / Equity = 0.69 (Debt 3.22b / totalStockholderEquity, last quarter 4.65b)
Debt / EBITDA = -0.02 (Net Debt -15.3m / EBITDA 708.5m)
Debt / FCF = 0.02 (negative FCF - burning cash) (Net Debt -15.3m / FCF TTM -758.9m)
Total Stockholder Equity = 4.64b (last 4 quarters mean from totalStockholderEquity)
RoA = 7.15% (Net Income 586.5m / Total Assets 8.20b)
RoE = 12.64% (Net Income TTM 586.5m / Total Stockholder Equity 4.64b)
RoCE = 9.85% (EBIT 637.3m / Capital Employed (Equity 4.64b + L.T.Debt 1.83b))
RoIC = 7.32% (NOPAT 516.3m / Invested Capital 7.06b)
WACC = 5.63% (E(4.65b)/V(7.87b) * Re(9.09%) + D(3.22b)/V(7.87b) * Rd(0.80%) * (1-Tc(0.19)))
Discount Rate = 9.09% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -6.19%
Fair Price DCF = unknown (Cash Flow -758.9m)
EPS Correlation: -44.91 | EPS CAGR: -58.99% | SUE: -4.0 | # QB: 0
Revenue Correlation: 58.08 | Revenue CAGR: 2.60% | SUE: -0.07 | # QB: 0

Additional Sources for RDN Stock

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