(RDN) Radian - Ratings and Ratios

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

Loan Insurance, Title Services, Appraisal, Risk Management, Real Estate

RDN EPS (Earnings per Share)

EPS (Earnings per Share) of RDN over the last years for every Quarter: "2020-03": 0.69597510640723, "2020-06": -0.15494648187523, "2020-09": 0.69584766888481, "2020-12": 0.76035507518121, "2021-03": 0.64347371710476, "2021-06": 0.7974085224879, "2021-09": 0.67225407089905, "2021-12": 1.0680016342034, "2022-03": 1.0114586299901, "2022-06": 1.1469282118813, "2022-09": 1.2036081535529, "2022-12": 1.0094709807409, "2023-03": 0.97773769902509, "2023-06": 0.90881774747424, "2023-09": 0.97773920210806, "2023-12": 0.90756040629154, "2024-03": 0.97680979156382, "2024-06": 0.98383409218972, "2024-09": 0.99228472689501, "2024-12": 0.97616383169203, "2025-03": 0.97854826808911, "2025-06": 1.0248337669847,

RDN Revenue

Revenue of RDN over the last years for every Quarter: 2020-03: 329.081, 2020-06: 364.441, 2020-09: 375.234, 2020-12: 369.861, 2021-03: 328.813, 2021-06: 336.994, 2021-09: 325.758, 2021-12: 338.367, 2022-03: 292.98, 2022-06: 286.833, 2022-09: 296.189, 2022-12: 314.724, 2023-03: 309.852, 2023-06: 290.413, 2023-09: 313.533, 2023-12: 326.022, 2024-03: 319.418, 2024-06: 321.147, 2024-09: 333.392, 2024-12: 316.328, 2025-03: 317.686, 2025-06: 317.819,

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 4,734m
Sub-Industry Commercial & Residential Mortgage Finance
IPO / Inception 1992-10-30

RDN Stock Ratings

Growth Rating 55.6%
Fundamental 43.6%
Dividend Rating 75.0%
Return 12m vs S&P 500 -14.3%
Analyst Rating 3.50 of 5

RDN Dividends

Dividend Yield 12m 2.97%
Yield on Cost 5y 7.66%
Annual Growth 5y 14.41%
Payout Consistency 90.1%
Payout Ratio 24.5%

RDN Growth Ratios

Growth Correlation 3m 9.8%
Growth Correlation 12m 12.4%
Growth Correlation 5y 87.6%
CAGR 5y 21.59%
CAGR/Max DD 5y 0.84
Sharpe Ratio 12m 1.57
Alpha -11.99
Beta 0.638
Volatility 23.82%
Current Volume 1200.4k
Average Volume 20d 695.4k
Stop Loss 33.8 (-3.1%)
Signal 0.70

Piotroski VR‑10 (Strict, 0-10) 6.0

Net Income (586.5m TTM) > 0 and > 6% of Revenue (6% = 77.1m TTM)
FCFTA -0.07 (>2.0%) and ΔFCFTA -9.15pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)
NWC/Revenue -65.80% (prev 462.5%; Δ -528.3pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)
CFO/TA -0.11 (>3.0%) and CFO -1.09b <= Net Income 586.5m (YES >=105%, WARN >=100%)
Net Debt (1.81b) to EBITDA (708.5m) ratio: 2.55 <= 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 (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 14.55% (prev 15.75%; Δ -1.20pp) >=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'' 2.55

(A) -0.09 = (Total Current Assets 152.1m - Total Current Liabilities 997.8m) / Total Assets 9.54b
(B) 0.51 = Retained Earnings (Balance) 4.91b / Total Assets 9.54b
(C) 0.07 = EBIT TTM 637.3m / Avg Total Assets 8.83b
(D) 0.92 = Book Value of Equity 4.63b / Total Liabilities 5.04b
Total Rating: 2.55 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 43.63

1. Piotroski 6.0pt = 1.0
2. FCF Yield -10.19% = -5.0
3. FCF Margin -51.88% = -7.50
4. Debt/Equity 0.41 = 2.42
5. Debt/Ebitda 2.58 = -1.10
6. ROIC - WACC 0.73% = 0.91
7. RoE 12.75% = 1.06
8. Rev. Trend 58.08% = 2.90
9. Rev. CAGR 2.60% = 0.32
10. EPS Trend -27.13% = -0.68
11. EPS CAGR -5.68% = -0.71

What is the price of RDN shares?

As of August 31, 2025, the stock is trading at USD 34.88 with a total of 1,200,400 shares traded.
Over the past week, the price has changed by -0.98%, over one month by +3.51%, over three months by +3.38% and over the past year by +0.22%.

Is Radian a good stock to buy?

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 43.63 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 37.50 USD . This means that RDN is currently overvalued and has a potential downside of 7.51%.

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 37 6.1%
Analysts Target Price 37 6.1%
ValueRay Target Price 41 17.5%

Last update: 2025-08-28 04:49

RDN Fundamental Data Overview

Market Cap USD = 4.73b (4.73b USD * 1.0 USD.USD)
CCE Cash And Equivalents = 22.1m USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 8.8258
P/E Forward = 8.5911
P/S = 3.6816
P/B = 1.0468
P/EG = 1.18
Beta = 0.728
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 = unknown (0.0)
Debt = 1.83b USD (Calculated: Short Term 0.0 + Long Term 1.83b)
Net Debt = 1.81b USD (from netDebt column, last quarter)
Enterprise Value = 6.54b USD (4.73b + Debt 1.83b - CCE 22.1m)
Interest Coverage Ratio = 6.36 (Ebit TTM 637.3m / Interest Expense TTM 100.3m)
FCF Yield = -10.19% (FCF TTM -666.7m / Enterprise Value 6.54b)
FCF Margin = -51.88% (FCF TTM -666.7m / 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)
Tobins Q-Ratio = 1.41 (Enterprise Value 6.54b / Book Value Of Equity 4.63b)
Interest Expense / Debt = 1.41% (Interest Expense 25.9m / Debt 1.83b)
Taxrate = 21.63% (from yearly Income Tax Expense: 166.8m / 771.3m)
NOPAT = 499.4m (EBIT 637.3m * (1 - 21.63%))
Current Ratio = 0.15 (Total Current Assets 152.1m / Total Current Liabilities 997.8m)
Debt / Equity = 0.41 (Debt 1.83b / last Quarter total Stockholder Equity 4.49b)
Debt / EBITDA = 2.58 (Net Debt 1.81b / EBITDA 708.5m)
Debt / FCF = -2.74 (Debt 1.83b / FCF TTM -666.7m)
Total Stockholder Equity = 4.60b (last 4 quarters mean)
RoA = 6.15% (Net Income 586.5m, Total Assets 9.54b )
RoE = 12.75% (Net Income TTM 586.5m / Total Stockholder Equity 4.60b)
RoCE = 9.91% (Ebit 637.3m / (Equity 4.60b + L.T.Debt 1.83b))
RoIC = 7.08% (NOPAT 499.4m / Invested Capital 7.06b)
WACC = 6.35% (E(4.73b)/V(6.56b) * Re(8.37%)) + (D(1.83b)/V(6.56b) * Rd(1.41%) * (1-Tc(0.22)))
Shares Correlation 5-Years: -100.0 | Cagr: -6.51%
Discount Rate = 8.37% (= CAPM, Blume Beta Adj.)
Fair Price DCF = unknown (Cash Flow -666.7m)
Revenue Correlation: 58.08 | Revenue CAGR: 2.60%
Rev Growth-of-Growth: -4.26
EPS Correlation: -27.13 | EPS CAGR: -5.68%
EPS Growth-of-Growth: 11.58

Additional Sources for RDN Stock

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