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): 0.69%
EPS Trend (3Y Correlation): 38.2%

RDN Revenue

Revenue Growth (3Y CAGR): -1.35%
Revenue Trend (3Y Correlation): 21.4%

Risk via 10d forecast
Volatility	23.8%
Value at Risk 5%th	39.4%

Reward
Sharpe Ratio	0.31
Alpha Jensen	-6.14

Character
Hurst Exponent	0.509
Beta	0.835

Drawdowns 3y
Max DD	16.50%
Mean DD	5.54%

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	4,725m
Sub-Industry	Commercial & Residential Mortgage Finance
IPO / Inception	1992-10-30
Return 12m vs S&P 500	-7.61%
Analyst Rating	3.50 of 5

RDN Dividends

Dividend Yield	2.85%
Yield on Cost 5y	6.42%
Yield CAGR 5y	18.32%
Payout Consistency	91.7%
Payout Ratio	24.3%

RDN Growth Ratios

CAGR	26.88%
CAGR/Max DD Calmar Ratio	1.63
CAGR/Mean DD Pain Ratio	4.85
Current Volume	462.7k
Average Volume	781.4k

Piotroski VR‑10 (Strict, 0-10) 5.0

Net Income (576.1m TTM) > 0 and > 6% of Revenue (6% = 75.3m TTM)

FCFTA 0.03 (>2.0%) and ΔFCFTA 0.20pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -69.19% (prev 481.3%; Δ -550.5pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.03 (>3.0%) and CFO 276.8m <= Net Income 576.1m (YES >=105%, WARN >=100%)

Net Debt (-15.3m) to EBITDA (906.2m) 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 (137.9m) change vs 12m ago -9.90% (target <= -2.0% for YES)

Gross Margin 94.06% (prev 94.94%; Δ -0.88pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 15.10% (prev 15.44%; Δ -0.34pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 7.08 (EBITDA TTM 906.2m / Interest Expense TTM 88.1m) >= 6 (WARN >= 3)

Altman Z'' 3.22

(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: 3.22 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 66.04

1. Piotroski 5.0pt = 0.0

2. FCF Yield 4.68% = 2.34

3. FCF Margin 21.76% = 5.44

4. Debt/Equity 0.24 = 2.47

5. Debt/Ebitda -0.02 = 2.50

6. ROIC - WACC (= -1.01)% = -1.27

7. RoE 12.55% = 1.05

8. Rev. Trend 21.36% = 1.60

9. EPS Trend 38.20% = 1.91

What is the price of RDN shares?

As of November 12, 2025, the stock is trading at USD 35.49 with a total of 462,700 shares traded.
Over the past week, the price has changed by +3.44%, over one month by +6.42%, over three months by +4.55% and over the past year by +6.67%.

Is Radian a good stock to buy?

Partly, yes. Based on ValueRay´s Fundamental Analyses, Radian (NYSE:RDN) is currently (November 2025) ok to buy, but has to be watched. It has a ValueRay Fundamental Rating of 66.04 and therefor a somewhat positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of RDN is around 39.43 USD . This means that RDN is currently undervalued and has a potential upside of +11.1% (Margin of Safety).

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	43.6	22.8%

RDN Fundamental Data Overview November 10, 2025

Market Cap USD = 4.72b (4.72b USD * 1.0 USD.USD)
P/E Trailing = 8.8056
P/E Forward = 7.3692
P/S = 3.764
P/B = 1.0552
P/EG = 1.18
Beta = 0.835
Revenue TTM = 1.26b USD
EBIT TTM = 623.5m USD
EBITDA TTM = 906.2m USD
Long Term Debt = 2.27b USD (from longTermDebt, last fiscal year)
Short Term Debt = 36.1m USD (from shortTermDebt, last fiscal year)
Debt = 1.13b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -15.3m USD (from netDebt column, last quarter)
Enterprise Value = 5.84b USD (4.72b + Debt 1.13b - CCE 15.3m)
Interest Coverage Ratio = 7.08 (Ebit TTM 623.5m / Interest Expense TTM 88.1m)
FCF Yield = 4.68% (FCF TTM 273.1m / Enterprise Value 5.84b)
FCF Margin = 21.76% (FCF TTM 273.1m / Revenue TTM 1.26b)
Net Margin = 45.89% (Net Income TTM 576.1m / Revenue TTM 1.26b)
Gross Margin = 94.06% ((Revenue TTM 1.26b - Cost of Revenue TTM 74.6m) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 91.28%)
Tobins Q-Ratio = 0.71 (Enterprise Value 5.84b / Total Assets 8.20b)
Interest Expense / Debt = 1.52% (Interest Expense 17.2m / Debt 1.13b)
Taxrate = 24.50% (45.9m / 187.3m)
NOPAT = 470.7m (EBIT 623.5m * (1 - 24.50%))
Current Ratio = 0.14 (Total Current Assets 144.0m / Total Current Liabilities 1.01b)
Debt / Equity = 0.24 (Debt 1.13b / totalStockholderEquity, last quarter 4.65b)
Debt / EBITDA = -0.02 (Net Debt -15.3m / EBITDA 906.2m)
Debt / FCF = -0.06 (Net Debt -15.3m / FCF TTM 273.1m)
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 = 9.09% (EBIT 623.5m / Capital Employed (Equity 4.59b + L.T.Debt 2.27b))
RoIC = 6.55% (NOPAT 470.7m / Invested Capital 7.19b)
WACC = 7.56% (E(4.72b)/V(5.85b) * Re(9.09%) + D(1.13b)/V(5.85b) * Rd(1.52%) * (1-Tc(0.24)))
Discount Rate = 9.09% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -6.34%
[DCF Debug] Terminal Value 69.92% ; FCFE base≈269.1m ; Y1≈210.6m ; Y5≈136.8m
Fair Price DCF = 15.81 (DCF Value 2.14b / Shares Outstanding 135.5m; 5y FCF grow -25.94% → 3.0% )
EPS Correlation: 38.20 | EPS CAGR: 0.69% | SUE: 1.33 | # QB: 1
Revenue Correlation: 21.36 | Revenue CAGR: -1.35% | SUE: -0.05 | # QB: 0

Additional Sources for RDN Stock

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