(RDN) Radian - Ratings and Ratios
Loan Insurance, Title Services, Appraisal, Risk Management, Real Estate
RDN EPS (Earnings per Share)
RDN Revenue
Description: RDN Radian
Radian Group Inc. is a leading provider of mortgage and real estate services in the United States, offering a range of products and services that help manage mortgage credit risk, including private mortgage insurance, title services, and real estate valuation products. The companys services cater to mortgage originators, consumers, mortgage lenders, and government-sponsored enterprises.
From a business perspective, Radian Groups revenue streams are likely driven by the volume of mortgage originations, the demand for title services, and the need for real estate valuation products. Key performance indicators (KPIs) that could be used to evaluate the companys performance include the number of mortgage insurance policies in force, title insurance premiums written, and the volume of real estate valuations performed. Additionally, metrics such as the companys loss ratio, expense ratio, and return on equity (RoE) of 9.84% could provide insight into its financial health and operational efficiency.
The companys position in the mortgage finance industry is significant, given its role in providing credit risk management solutions to mortgage lending institutions and investors. As the US mortgage market continues to evolve, Radian Groups ability to adapt to changing regulatory requirements, technological advancements, and shifting consumer behaviors will be crucial to its success. Key drivers of the companys growth could include the overall health of the US housing market, interest rates, and the demand for mortgage credit.
To further assess Radian Groups investment potential, it would be essential to analyze its financial statements, including its income statement, balance sheet, and cash flow statement. Key metrics such as the companys debt-to-equity ratio, interest coverage ratio, and operating cash flow margin could provide additional insight into its financial stability and ability to generate cash. With a market capitalization of $4.6 billion and a forward P/E ratio of 8.77, Radian Groups valuation appears reasonable compared to its peers in the mortgage finance industry.
RDN Stock Overview
| Market Cap in USD | 4,456m |
| Sector | Financial Services |
| Industry | Insurance - Specialty |
| GiC Sub-Industry | Commercial & Residential Mortgage Finance |
| IPO / Inception | 1992-10-30 |
RDN Stock Ratings
| Growth Rating | 69.7 |
| Fundamental | 33.2% |
| Dividend Rating | 74.6 |
| Rel. Strength | -17.6 |
| Analysts | 3.50 of 5 |
| Fair Price Momentum | 36.85 USD |
| Fair Price DCF | - |
RDN Dividends
| Dividend Yield 12m | 2.96% |
| Yield on Cost 5y | 7.43% |
| Annual Growth 5y | 14.41% |
| Payout Consistency | 90.1% |
| Payout Ratio | 24.3% |
RDN Growth Ratios
| Growth Correlation 3m | 2.8% |
| Growth Correlation 12m | -6.5% |
| Growth Correlation 5y | 87.6% |
| CAGR 5y | 20.37% |
| CAGR/Max DD 5y | 0.79 |
| Sharpe Ratio 12m | 1.71 |
| Alpha | -12.59 |
| Beta | 0.638 |
| Volatility | 24.00% |
| Current Volume | 671.2k |
| Average Volume 20d | 1114.1k |
| Stop Loss | 32.9 (-3.3%) |
As of August 10, 2025, the stock is trading at USD 34.01 with a total of 671,163 shares traded.
Over the past week, the price has changed by +3.31%, over one month by -4.57%, over three months by +1.11% and over the past year by +2.70%.
No, based on ValueRay´s Fundamental Analyses, Radian (NYSE:RDN) is currently (August 2025) a stock to sell. It has a ValueRay Fundamental Rating of 33.20 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 36.85 USD . This means that RDN is currently overvalued and has a potential downside of 8.35%.
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
According to our own proprietary Forecast Model, RDN Radian will be worth about 40 in August 2026. The stock is currently trading at 34.01. This means that the stock has a potential upside of +17.55%.
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 37 | 8.8% |
| Analysts Target Price | 36.3 | 6.8% |
| ValueRay Target Price | 40 | 17.6% |
Piotroski VR‑10 (Strict) 5.5
| Net Income (444.9m TTM) > 0 and > 6% of Revenue (6% = 58.1m TTM) |
| FCFTA -0.07 (>2.0%) and ΔFCFTA -9.11pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -87.39% (prev 462.5%; Δ -549.9pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA -0.12 (>3.0%) and CFO -1.15b <= Net Income 444.9m (YES >=105%, WARN >=100%) |
| Net Debt (-22.1m) to EBITDA (480.9m) ratio: -0.05 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.15 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (135.4m) change vs 12m ago -12.31% (target <= -2.0% for YES) |
| Gross Margin 95.68% (prev 73.34%; Δ 22.34pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 10.93% (prev 15.75%; Δ -4.82pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 4.35 (EBITDA TTM 480.9m / Interest Expense TTM 100.3m) >= 6 (WARN >= 3) |
Altman Z'' 2.38
| (A) -0.09 = (Total Current Assets 152.1m - Total Current Liabilities 997.8m) / Total Assets 9.58b |
| (B) 0.51 = Retained Earnings (Balance) 4.91b / Total Assets 9.58b |
| (C) 0.05 = EBIT TTM 436.4m / Avg Total Assets 8.86b |
| (D) 0.91 = Book Value of Equity 4.63b / Total Liabilities 5.09b |
| Total Rating: 2.38 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay Score 33.20
| 1. Piotroski 5.50pt = 0.50 |
| 2. FCF Yield -10.50% = -5.0 |
| 3. FCF Margin -68.90% = -5.0 |
| 4. Debt/Equity 0.43 = 2.41 |
| 5. Debt/Ebitda 3.99 = -2.50 |
| 6. ROIC - WACC -1.32% = -1.32 |
| 7. RoE 9.67% = 1.61 |
| 8. Rev. Trend -47.00% = -5.0 |
| 9. Rev. CAGR -89.76% = -2.50 |
| 11. EPS CAGR 0.0% = 0.0 |
RDN Fundamental Data Overview
CCE Cash And Equivalents = 22.1m USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 8.3929
P/E Forward = 8.2508
P/S = 3.4657
P/B = 0.9921
P/EG = 1.18
Beta = 0.728
Revenue TTM = 967.7m USD
EBIT TTM = 436.4m USD
EBITDA TTM = 480.9m USD
Long Term Debt = 1.83b USD (from longTermDebt, last quarter)
Short Term Debt = 87.5m USD (from shortLongTermDebt, last quarter)
Debt = 1.92b USD (Calculated: Short Term 87.5m + Long Term 1.83b)
Net Debt = -22.1m USD (from netDebt column, last quarter)
Enterprise Value = 6.35b USD (4.46b + Debt 1.92b - CCE 22.1m)
Interest Coverage Ratio = 4.35 (Ebit TTM 436.4m / Interest Expense TTM 100.3m)
FCF Yield = -10.50% (FCF TTM -666.7m / Enterprise Value 6.35b)
FCF Margin = -68.90% (FCF TTM -666.7m / Revenue TTM 967.7m)
Net Margin = 45.97% (Net Income TTM 444.9m / Revenue TTM 967.7m)
Gross Margin = 95.68% ((Revenue TTM 967.7m - Cost of Revenue TTM 41.8m) / Revenue TTM)
Tobins Q-Ratio = 1.37 (Enterprise Value 6.35b / Book Value Of Equity 4.63b)
Interest Expense / Debt = 1.35% (Interest Expense 25.9m / Debt 1.92b)
Taxrate = 21.63% (from yearly Income Tax Expense: 166.8m / 771.3m)
NOPAT = 342.0m (EBIT 436.4m * (1 - 21.63%))
Current Ratio = 0.15 (Total Current Assets 152.1m / Total Current Liabilities 997.8m)
Debt / Equity = 0.43 (Debt 1.92b / last Quarter total Stockholder Equity 4.49b)
Debt / EBITDA = 3.99 (Net Debt -22.1m / EBITDA 480.9m)
Debt / FCF = -2.88 (Debt 1.92b / FCF TTM -666.7m)
Total Stockholder Equity = 4.60b (last 4 quarters mean)
RoA = 4.64% (Net Income 444.9m, Total Assets 9.58b )
RoE = 9.67% (Net Income TTM 444.9m / Total Stockholder Equity 4.60b)
RoCE = 6.79% (Ebit 436.4m / (Equity 4.60b + L.T.Debt 1.83b))
RoIC = 4.85% (NOPAT 342.0m / Invested Capital 7.06b)
WACC = 6.17% (E(4.46b)/V(6.37b) * Re(8.37%)) + (D(1.92b)/V(6.37b) * Rd(1.35%) * (1-Tc(0.22)))
Shares Correlation 5-Years: -100.0 | Cagr: -5.65%
Discount Rate = 8.37% (= CAPM, Blume Beta Adj.)
[93m Fair Price DCF = unknown (Cash Flow -666.7m)
[39m Revenue Correlation: -47.00 | Revenue CAGR: -89.76%
Revenue Growth Correlation: -61.96%
EPS Correlation: N/A | EPS CAGR: 0.0%
EPS Growth Correlation: -41.15%
Additional Sources for RDN Stock
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