(RDN) Radian - Overview

Sector: Financial Services | Industry: Insurance - Specialty | Exchange: NYSE (USA) | Market Cap: 4.441m USD | Total Return: 0.5% in 12m

Stock Mortgage Insurance, Risk Management, Specialty Insurance
Total Rating 32
Risk 32
Buy Signal -0.17
Insurance - Specialty +3.6
Commercial & Residential Mortgage Finance +11.6
Market Cap: 4,441m
Avg Trading Vol: 44.9M USD
ATR: 2.44%
Peers RS (IBD): 50.0
Risk 5d forecast
Volatility24.6%
Rel. Tail Risk-0.49%
Reward TTM
Sharpe Ratio0.08
Alpha-10.67
Character TTM
Beta0.725
Beta Downside0.989
Drawdowns 3y
Max DD16.50%
CAGR/Max DD1.12
EPS (Earnings per Share) EPS (Earnings per Share) of RDN over the last years for every Quarter: "2021-03": 0.68, "2021-06": 0.75, "2021-09": 0.67, "2021-12": 1.07, "2022-03": 1.17, "2022-06": 1.36, "2022-09": 1.31, "2022-12": 1.05, "2023-03": 0.98, "2023-06": 0.91, "2023-09": 1.04, "2023-12": 0.96, "2024-03": 0.98, "2024-06": 0.99, "2024-09": 1.03, "2024-12": 1.09, "2025-03": 0.99, "2025-06": 1.01, "2025-09": 1.07, "2025-12": 1.16, "2026-03": 0,
EPS CAGR: -50.84%
EPS Trend: -48.4%
Last SUE: -4.00
Qual. Beats: 0
Revenue Revenue of RDN over the last years for every Quarter: 2021-03: 328.813, 2021-06: 336.386, 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: 289.579, 2023-09: 312.513, 2023-12: 326.022, 2024-03: 319.418, 2024-06: 321.147, 2024-09: 319.656, 2024-12: 316.697, 2025-03: 317.686, 2025-06: 317.819, 2025-09: 310.742, 2025-12: 301, 2026-03: null,
Rev. CAGR: 0.72%
Rev. Trend: 52.5%
Last SUE: 0.33
Qual. Beats: 0
Description: RDN Radian

Radian Group Inc. (RDN) provides mortgage insurance in the United States. This involves insuring residential first-lien mortgage loans, protecting lenders against borrower default.

The company aggregates and distributes mortgage credit risk for lending institutions and investors. Its clients include mortgage banks, commercial banks, and credit unions.

Radian also offers specialty insurance and reinsurance. The mortgage insurance sector is cyclical, influenced by housing market conditions and interest rates.

Understanding the companys financial performance within its competitive landscape is key; further research on ValueRay can provide deeper insights.

Headlines to Watch Out For
  • Mortgage origination volume impacts insurance demand
  • Housing market stability affects claim frequency
  • Interest rate changes influence refinancing activity
  • Regulatory capital requirements constrain underwriting capacity
  • Competition from government-sponsored enterprises pressures pricing
Piotroski VR‑10 (Strict, 0-10) 6.0
Net Income: 582.8m TTM > 0 and > 6% of Revenue
FCF/TA: 0.01 > 0.02 and ΔFCF/TA 9.10 > 1.0
NWC/Revenue: -73.07% < 20% (prev 519.6%; Δ -592.7% < -1%)
CFO/TA 0.01 > 3% & CFO 119.9m > Net Income 582.8m
Net Debt (1.11b) to EBITDA (872.4m): 1.27 < 3
Current Ratio: 0.14 > 1.5 & < 3
Outstanding Shares: last quarter (138.0m) vs 12m ago -9.16% < -2%
Gross Margin: 92.30% > 18% (prev 0.95%; Δ 9.13k% > 0.5%)
Asset Turnover: 14.86% > 50% (prev 14.74%; Δ 0.12% > 0%)
Interest Coverage Ratio: 7.63 > 6 (EBITDA TTM 872.4m / Interest Expense TTM 82.2m)
Altman Z'' 3.37
A: -0.11 (Total Current Assets 145.0m - Total Current Liabilities 1.06b) / Total Assets 8.12b
B: 0.63 (Retained Earnings 5.13b / Total Assets 8.12b)
C: 0.07 (EBIT TTM 627.7m / Avg Total Assets 8.39b)
D: 1.47 (Book Value of Equity 4.91b / Total Liabilities 3.34b)
Altman-Z'' Score: 3.37 = A
Beneish M -1.02
DSRI: 0.75 (Receivables 120.2m/164.5m, Revenue 1.25b/1.28b)
GMI: 1.03 (GM 92.30% / 95.10%)
AQI: 4.61 (AQ_t 0.98 / AQ_t-1 0.21)
SGI: 0.98 (Revenue 1.25b / 1.28b)
TATA: 0.06 (NI 582.8m - CFO 119.9m) / TA 8.12b)
Beneish M-Score: -1.02 (Cap -4..+1) = D
What is the price of RDN shares? As of April 02, 2026, the stock is trading at USD 33.08 with a total of 557,741 shares traded.
Over the past week, the price has changed by +0.15%, over one month by -5.52%, over three months by -7.36% and over the past year by +0.48%.
Is RDN a buy, sell or hold? Radian has received a consensus analysts rating of 3.50. Therefor, it is recommend to hold RDN.
  • StrongBuy: 1
  • Buy: 2
  • Hold: 2
  • Sell: 1
  • StrongSell: 0
What are the forecasts/targets for the RDN price?
ISSUER TARGET UP/DOWN
Wallstreet Target Price 39.7 19.9%
Analysts Target Price 39.7 19.9%
RDN Fundamental Data Overview as of 29 March 2026
P/E Trailing = 7.4237
P/E Forward = 7.1994
P/S = 3.7099
P/B = 0.9254
P/EG = 0.7588
Revenue TTM = 1.25b USD
EBIT TTM = 627.7m USD
EBITDA TTM = 872.4m USD
Long Term Debt = 1.11b USD (from longTermDebt, last quarter)
Short Term Debt = 40.3m USD (from shortTermDebt, last quarter)
Debt = 1.13b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.11b USD (from netDebt column, last quarter)
Enterprise Value = -330.8m USD (4.44b + Debt 1.13b - CCE 5.90b)
Interest Coverage Ratio = 7.63 (Ebit TTM 627.7m / Interest Expense TTM 82.2m)
EV/FCF = -2.86x (Enterprise Value -330.8m / FCF TTM 115.7m)
FCF Yield = -34.96% (FCF TTM 115.7m / Enterprise Value -330.8m)
FCF Margin = 9.27% (FCF TTM 115.7m / Revenue TTM 1.25b)
Net Margin = 46.73% (Net Income TTM 582.8m / Revenue TTM 1.25b)
Gross Margin = 92.30% ((Revenue TTM 1.25b - Cost of Revenue TTM 96.1m) / Revenue TTM)
Gross Margin QoQ = none% (prev 91.94%)
 Tobins Q-Ratio = -0.04 (set to none) (Enterprise Value -330.8m / Total Assets 8.12b)
 Interest Expense / Debt = 1.47% (Interest Expense 16.7m / Debt 1.13b)
Taxrate = 20.90% (42.0m / 201.0m)
NOPAT = 496.5m (EBIT 627.7m * (1 - 20.90%))
Current Ratio = 0.14 (Total Current Assets 145.0m / Total Current Liabilities 1.06b)
Debt / Equity = 0.24 (Debt 1.13b / totalStockholderEquity, last quarter 4.78b)
Debt / EBITDA = 1.27 (Net Debt 1.11b / EBITDA 872.4m)
Debt / FCF = 9.57 (Net Debt 1.11b / FCF TTM 115.7m)
Total Stockholder Equity = 4.63b (last 4 quarters mean from totalStockholderEquity)
RoA = 6.94% (Net Income 582.8m / Total Assets 8.12b)
RoE = 12.59% (Net Income TTM 582.8m / Total Stockholder Equity 4.63b)
RoCE = 10.94% (EBIT 627.7m / Capital Employed (Equity 4.63b + L.T.Debt 1.11b))
RoIC = 7.55% (NOPAT 496.5m / Invested Capital 6.58b)
WACC = 7.04% (E(4.44b)/V(5.57b) * Re(8.53%) + D(1.13b)/V(5.57b) * Rd(1.47%) * (1-Tc(0.21)))
Discount Rate = 8.53% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -6.31%
[DCF] Terminal Value 75.35% ; FCFF base≈115.7m ; Y1≈75.9m ; Y5≈34.7m
 [DCF] Fair Price = N/A (negative equity: EV 837.3m - Net Debt 1.11b = -269.1m; debt exceeds intrinsic value)
 EPS Correlation: -48.38 | EPS CAGR: -50.84% | SUE: -4.0 | # QB: 0
Revenue Correlation: 52.46 | Revenue CAGR: 0.72% | SUE: 0.33 | # QB: 0
EPS next Quarter (2026-06-30): EPS=1.25 | Chg7d=+0.046 | Chg30d=+0.116 | Revisions Net=+3 | Analysts=5
EPS current Year (2026-12-31): EPS=4.99 | Chg7d=+0.170 | Chg30d=+0.457 | Revisions Net=+4 | Growth EPS=+18.7% | Growth Revenue=+36.0%
EPS next Year (2027-12-31): EPS=5.40 | Chg7d=+0.111 | Chg30d=+0.168 | Revisions Net=+2 | Growth EPS=+8.2% | Growth Revenue=+6.2%
[Analyst] Revisions Ratio: +0.60 (4 Up / 1 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -4.9% (Discount Rate 8.5% - Earnings Yield 13.5%)
[Growth] Growth Spread = +46.0% (Analyst 41.0% - Implied -4.9%)
Additional Sources for RDN Stock Fund Manager Positions: Dataroma · Stockcircle