(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
Dividends
| Dividend Yield | 2.87% |
| Yield on Cost 5y | 6.04% |
| Yield CAGR 5y | 18.32% |
| Payout Consistency | 88.9% |
| Payout Ratio | 24.5% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 23.7% |
| Value at Risk 5%th | 39.4% |
| Relative Tail Risk | 1.01% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.03 |
| Alpha | -8.25 |
| CAGR/Max DD | 1.78 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.415 |
| Beta | 0.633 |
| Beta Downside | 0.651 |
| Drawdowns 3y | |
|---|---|
| Max DD | 16.50% |
| Mean DD | 5.52% |
| Median DD | 5.63% |
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.
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 |
| (C) 0.10 = EBIT TTM 839.3m / Avg Total Assets 8.31b |
| (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) 50.72
| 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 (= 2.49)% |
| 7. RoE 12.55% |
| 8. Rev. Trend 32.93% |
| 9. EPS Trend -45.26% |
What is the price of RDN shares?
As of December 03, 2025, the stock is trading at USD 35.50 with a total of 849,827 shares traded.
Over the past week, the price has changed by -0.14%, over one month by +4.86%, over three months by +3.14% and over the past year by +2.34%.
Over the past week, the price has changed by -0.14%, over one month by +4.86%, over three months by +3.14% and over the past year by +2.34%.
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 | 9.9% |
| Analysts Target Price | 39 | 9.9% |
| ValueRay Target Price | 44.1 | 24.1% |
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 = 6.95% (E(4.79b)/V(5.94b) * Re(8.35%) + D(1.15b)/V(5.94b) * Rd(1.49%) * (1-Tc(0.23)))
Discount Rate = 8.35% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -6.34%
Fair Price DCF = unknown (Cash Flow -560.2m)
EPS Correlation: -45.26 | EPS CAGR: 0.0% | SUE: 1.33 | # QB: 1
Revenue Correlation: 32.93 | Revenue CAGR: -2.25% | SUE: 0.02 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.09 | Chg30d=+0.039 | Revisions Net=+0 | Analysts=6
EPS next Year (2026-12-31): EPS=4.45 | Chg30d=+0.171 | Revisions Net=+1 | Growth EPS=+4.2% | Growth Revenue=+1.5%
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 = 6.95% (E(4.79b)/V(5.94b) * Re(8.35%) + D(1.15b)/V(5.94b) * Rd(1.49%) * (1-Tc(0.23)))
Discount Rate = 8.35% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -6.34%
Fair Price DCF = unknown (Cash Flow -560.2m)
EPS Correlation: -45.26 | EPS CAGR: 0.0% | SUE: 1.33 | # QB: 1
Revenue Correlation: 32.93 | Revenue CAGR: -2.25% | SUE: 0.02 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.09 | Chg30d=+0.039 | Revisions Net=+0 | Analysts=6
EPS next Year (2026-12-31): EPS=4.45 | Chg30d=+0.171 | Revisions Net=+1 | Growth EPS=+4.2% | Growth Revenue=+1.5%
Additional Sources for RDN Stock
News:
Wall Street Journal |
Benzinga |
Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle