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Radian Group Inc

Radian Group Inc

RDN · NYSE · Financial Services / Insurance - Specialty

36.59USD-0.16 (-0.44%)

Price History

Full chart

Market Stats

Previous Close36.75
Open36.89
Day Range36.38 – 37.15
52-Week Range30.81 – 40.76
Volume1.33M
Market Cap4.37B
P/E (TTM)8.15
Forward P/E6.31
EPS4.05
Dividend Yield3.09%
Beta0.70
50-Day Avg36.70
200-Day Avg35.42

About

Radian Group Inc., together with its subsidiaries, provides mortgage insurance in the United States. It aggregates, manages, and distributes mortgage credit risk for the benefit of mortgage lending institutions and mortgage credit investors through private mortgage insurance on residential first-lien mortgage loans. The company also offers private mortgage insurance, specialty insurance, and reinsurance lines. It serves mortgage originators, such as mortgage banks, commercial banks, savings institutions, credit unions, and community banks. The company was formerly known as CMAC Investment Corp. and changed its name to Radian Group Inc. in June 1999. Radian Group Inc. was founded in 1977 and is headquartered in Wayne, Pennsylvania.

Company Details

  • SectorFinancial Services
  • IndustryInsurance - Specialty
  • CEOMr. Michael Scott Weinbach
  • Employees900
  • Headquarters550 East Swedesford Road, Wayne, PA, United States, 19087, USA
  • Websitehttps://www.radian.com

Leadership

  • Ms. Mary Creedon Dickerson J.D.Senior EVP and Chief People & Operating Officer · b. 1973
  • Mr. Edward Franklin Hoffman J.D.Senior EVP & General Counsel · b. 1974
  • Mr. Richard Gerald Thornberry CPAStrategic Advisor · b. 1958
  • Mr. Michael Scott WeinbachCEO & Director · b. 1973
  • Mr. Daniel Ephraim KobellSenior EVP & Interim CFO · b. 1980
  • Jason LenziniSenor VP, Chief Investment Officer & Treasurer
  • Mr. Robert James QuigleySenior EVP & Chief Accounting Officer · b. 1973
  • Robert LallyVice President of Finance & Investor Relations
  • Mr. John W. DamianSenior Vice President of Corporate Development & Investor Relations
  • Ms. Emily S. RileyExecutive VP & Chief of Staff to the CEO

Financials

Income Statement

Currency: USD1992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue83.50M107.20M130.50M165.60M222.60M390.00M483.59M552.81M615.40M906.90M1.07B1.28B1.36B1.30B1.33B201.05M1.81B1.31B417.46M1.95B902.74M749.91M1.07B1.19B1.24B1.22B1.27B1.53B1.44B1.33B1.19B1.24B1.29B1.25B
Growth (%)-+28.38%+21.74%+26.90%+34.42%+75.21%+24.00%+14.31%+11.32%+47.37%+17.74%+19.80%+6.63%-4.83%+2.30%-84.86%+799.29%-27.36%-68.21%+366.59%-53.65%-16.93%+43.04%+11.24%+3.79%-1.36%+4.21%+19.95%-5.70%-7.70%-10.41%+4.19%+4.04%-3.36%
Cost of Revenue13.40M18.10M22.50M23.40M26.85M41.80M58.48M58.78M51.47M84.26M100.80M128.50M121.80M115.85M111.61M1.80B2.71B1.46B1.79B1.34B955.68M591.23M315.21M314.72M340.44M264.03M228.03M265.67M602.17M153.62M-231.96M386.07M63.07M96.10M
Gross Profit70.10M89.10M108.00M142.20M195.75M348.20M425.11M494.03M563.93M822.64M967.00M1.15B1.24B1.18B1.22B-1.60B-897.98M-148.73M-1.38B605.65M-52.94M158.67M757.48M878.53M898.01M957.60M1.04B1.26B837.70M1.18B1.42B854.52M1.23B1.15B
Gross Margin83.95%83.12%82.76%85.87%87.94%89.28%87.91%89.37%91.64%90.71%90.56%89.95%91.07%91.08%91.60%-795.47%-49.67%-11.32%-329.43%31.09%-5.86%21.16%70.62%73.62%72.51%78.39%82.09%82.60%58.18%88.44%119.48%68.88%95.11%92.30%
Operating Expense0000113.17M0227.19M274.57M211.43M317.14M365.70M619.20M516.60M441.96M403.07M469.61M-223.85M93.55M204.43M237.14M219.49M332.02M350.32M440.70M414.32M610.86M360.79M412.29M358.26M410.56M469.91M87.03M456.29M388.00M
Operating Income70.10M89.10M108.00M142.20M82.58M348.20M197.91M219.47M352.50M505.50M601.30M531.50M725.60M740.34M813.27M-2.07B-674.13M-242.28M-1.58B368.51M-272.43M-173.35M407.16M437.83M483.69M346.74M684.19M848.99M479.44M764.83M952.78M767.49M771.29M763.15M
Operating Margin83.95%83.12%82.76%85.87%37.10%89.28%40.93%39.70%57.28%55.74%56.31%41.55%53.20%57.03%61.24%-1029.05%-37.29%-18.45%-378.40%18.92%-30.18%-23.12%37.96%36.69%39.06%28.38%53.75%55.60%33.30%57.55%80.02%61.86%59.76%61.19%
EBITDA83.50M107.20M130.50M165.60M109.47M390.00M256.41M221.75M407.13M525.79M630.90M586.31M792.64M822.97M898.41M-2.00B-604.43M-176.19M-1.50B493.03M-167.34M-29.00M563.57M610.56M635.83M495.33M814.77M978.03M622.32M924.76M1.11B767.49M953.78M872.38M
EBITDA Margin100.00%100.00%100.00%100.00%49.18%100.00%53.02%40.11%66.16%57.98%59.08%45.83%58.11%63.40%67.65%-993.04%-33.43%-13.42%-358.86%25.31%-18.54%-3.87%52.54%51.17%51.34%40.55%64.00%64.05%43.22%69.58%93.54%61.86%73.90%69.94%
Net Income21.80M35.80M41.10M50.80M62.22M115.70M142.24M148.14M248.90M360.40M427.20M385.90M518.70M522.85M582.17M-1.29B-410.58M-147.88M-1.81B302.15M-451.47M-196.99M959.52M286.92M308.25M121.09M606.01M672.31M393.63M600.67M742.93M603.12M604.44M582.80M
Net Income Margin26.11%33.40%31.49%30.68%27.95%29.67%29.41%26.80%40.45%39.74%40.01%30.17%38.03%40.28%43.84%-641.78%-22.71%-11.26%-432.58%15.51%-50.01%-26.27%89.45%24.05%24.89%9.91%47.60%44.03%27.34%45.20%62.39%48.62%46.83%46.73%
R&D-------------------0000000--------
R&D as % of Total Revenue-------------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%--------
Interest Expense00000000017.80M28.80M37.50M34.70M43.04M48.15M53.07M53.51M46.01M41.78M61.39M51.83M74.62M90.46M91.10M81.13M62.76M61.49M56.31M71.15M84.46M84.45M89.69M103.74M65.56M
Interest Expense % of Total Revenue0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%1.96%2.70%2.93%2.54%3.32%3.63%26.40%2.96%3.50%10.01%3.15%5.74%9.95%8.43%7.63%6.55%5.14%4.83%3.69%4.94%6.35%7.09%7.23%8.04%5.26%

Balance Sheet

Currency: USD1992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets335.40M375.10M410.20M499.10M592.75M782.10M1.51B1.78B2.27B4.44B5.39B6.45B7.00B7.23B7.96B8.21B8.12B8.06B7.62B6.66B5.90B5.62B6.86B5.65B5.86B5.90B6.31B6.81B7.95B7.84B7.06B7.59B8.66B8.12B
Total Liabilities114.70M122.20M130.50M160.50M236.40M312.20M581.21M719.46M910.60M2.13B2.64B3.22B3.31B3.57B3.89B5.49B6.09B6.05B6.76B5.47B5.17B4.68B4.69B3.15B2.99B2.90B2.83B1.02B1.80B1.90B3.14B3.20B4.04B3.34B
Total Equity220.70M252.90M279.70M338.60M356.34M469.90M932.20M1.06B1.36B2.31B2.75B3.23B3.69B3.66B4.07B2.72B2.03B2.00B859.78M1.18B736.33M939.64M2.17B2.50B2.87B3.00B3.49B5.79B6.15B5.94B3.92B4.40B4.62B4.78B
Cash----3.19M2.36M9.38M7.51M2.42M60.16M21.97M67.17M30.68M7.85M57.90M200.79M79.05M41.57M20.33M35.59M31.55M22.88M30.46M46.90M52.15M80.57M95.39M92.73M87.92M151.15M56.18M19.00M38.82M24.83M
Total Debt---------324.10M544.10M717.40M717.60M747.47M747.77M953.52M857.80M698.22M1.48B1.05B772.43M930.07M2.40B1.22B1.25B2.34B1.51B1.26B1.68B1.71B1.67B1.58B2.34B1.13B
Net Debt-----3.19M-2.36M-9.38M-7.51M-2.42M263.94M522.13M650.23M686.92M739.62M689.87M752.74M778.75M656.65M1.46B1.01B740.87M907.19M1.18B1.17B1.02B946.50M934.96M929.26M1.49B1.41B1.51B1.56B2.31B1.11B

Cash Flow

Currency: USD1992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow31.90M39.50M48.60M59.10M84.48M148.10M190.06M261.67M279.98M481.15M586.81M534.98M327.00M570.39M488.49M301.80M-333.82M27.64M-862.60M-897.77M-510.50M-664.94M-146.26M11.72M381.72M360.57M677.79M694.43M658.43M557.11M388.30M529.43M-663.57M119.86M
Investing Cash Flow-138.10M-28.80M-47.30M-57.20M-80.87M-143.80M-192.03M-273.81M-299.86M-513.10M-772.94M-665.69M-263.05M-140.04M-194.88M-348.53M308.80M83.46M-47.78M1.07B661.07M60.30M-336.04M2.79M-176.06M-201.49M-689.41M-302.05M-883.18M-1.86M-5.17M-300.84M327.75M127.29M
Financing Cash Flow106.70M-5.30M-5.00M-2.20M-4.07M-1.80M4.53M10.27M14.80M89.69M147.94M175.90M-100.44M-452.70M-238.45M201.54M-90.87M-146.45M886.65M-161.33M-154.60M596.94M482.02M601.00K-203.27M-125.08M22.39M-403.11M222.62M-496.78M-479.18M-265.09M357.23M-243.10M
Capital Expenditure0000015.20M6.50M12.51M9.42M8.54M41.57M34.56M15.91M8.26M15.41M3.76M3.57M4.30M2.52M2.98M2.20M6.00M18.50M25.47M35.54M28.68M26.01M27.63M17.02M12.60M17.67M16.28M1.56M4.21M
Free Cash Flow31.90M39.50M48.60M59.10M84.48M132.90M183.56M249.16M270.56M472.61M545.24M500.42M400.76M562.13M473.08M298.03M-337.38M23.34M-865.12M-900.75M-512.70M-670.94M-164.76M-13.74M346.18M331.90M651.78M666.80M641.42M544.51M370.63M513.15M-666.75M115.66M
Dividends Paid4.00M5.60M5.50M5.50M5.65M6.00M6.02M6.86M7.79M10.05M9.61M7.49M7.58M6.83M6.53M6.43M3.67M827.00K1.20M1.33M1.33M1.63M1.86M2.00M2.10M2.15M2.14M2.06M97.46M103.30M135.44M145.91M151.96M145.62M
FCF to OCF100.00%100.00%100.00%100.00%100.00%89.74%96.58%95.22%96.64%98.23%92.92%93.54%122.56%98.55%96.85%98.75%101.07%84.45%100.29%100.33%100.43%100.90%112.65%-117.27%90.69%92.05%96.16%96.02%97.42%97.74%95.45%96.92%100.48%96.49%
Dividend Paid to FCF12.54%14.18%11.32%9.31%6.68%4.51%3.28%2.75%2.88%2.13%1.76%1.50%1.89%1.22%1.38%2.16%-1.09%3.54%-0.14%-0.15%-0.26%-0.24%-1.13%-14.52%0.61%0.65%0.33%0.31%15.19%18.97%36.54%28.43%-22.79%125.90%

Earnings

Report DateOct 17, 1995Jan 23, 1996Apr 17, 1996Jul 17, 1996Oct 16, 1996Jan 22, 1997Apr 16, 1997Jul 16, 1997Oct 15, 1997Jan 21, 1998Apr 15, 1998Jul 15, 1998Oct 14, 1998Jan 20, 1999May 5, 1999Jul 21, 1999Oct 20, 1999Jan 25, 2000Apr 19, 2000Jul 19, 2000Oct 19, 2000Dec 31, 2000Apr 25, 2001Jul 26, 2001Oct 24, 2001Jan 23, 2002Apr 24, 2002Jul 24, 2002Oct 23, 2002Jan 22, 2003Apr 16, 2003Jul 16, 2003Oct 15, 2003Jan 21, 2004Apr 21, 2004Jul 21, 2004Oct 20, 2004Jan 19, 2005Apr 20, 2005Jul 20, 2005Oct 19, 2005Jan 18, 2006Apr 19, 2006Jul 19, 2006Oct 18, 2006Jan 23, 2007Apr 24, 2007Jul 24, 2007Nov 1, 2007Feb 15, 2008May 12, 2008Aug 11, 2008Nov 5, 2008Feb 24, 2009May 5, 2009Aug 5, 2009Nov 4, 2009Feb 23, 2010May 4, 2010Aug 3, 2010Nov 2, 2010Feb 3, 2011May 5, 2011Aug 2, 2011Nov 1, 2011Feb 23, 2012May 1, 2012Aug 1, 2012Nov 1, 2012Feb 11, 2013May 1, 2013Jul 24, 2013Nov 7, 2013Feb 5, 2014May 6, 2014Aug 7, 2014Oct 30, 2014Feb 12, 2015Apr 30, 2015Jul 22, 2015Oct 27, 2015Jan 28, 2016Apr 27, 2016Jul 28, 2016Oct 27, 2016Jan 26, 2017Apr 27, 2017Aug 1, 2017Oct 26, 2017Feb 1, 2018Apr 26, 2018Jul 26, 2018Oct 31, 2018Feb 8, 2019Apr 30, 2019Jul 31, 2019Oct 30, 2019Feb 5, 2020May 6, 2020Aug 7, 2020Nov 4, 2020Feb 24, 2021May 4, 2021Aug 3, 2021Nov 2, 2021Feb 22, 2022May 3, 2022Aug 1, 2022Nov 2, 2022Feb 8, 2023May 3, 2023Aug 2, 2023Nov 1, 2023Feb 7, 2024May 1, 2024Jul 31, 2024Nov 6, 2024Feb 5, 2025Apr 30, 2025Jul 30, 2025Nov 4, 2025Feb 18, 2026May 6, 2026Aug 5, 2026Nov 3, 2026
EPS Estimate0.260.280.280.310.320.340.350.370.390.410.420.450.470.490.510.540.590.620.660.750.70-0.850.930.960.981.051.111.101.111.141.141.140.471.011.161.151.221.221.281.341.381.421.551.521.501.381.44-3.76-2.53-2.13-1.58-2.16-1.21-1.45-1.51-1.44-1.50-0.90-0.80-0.79-0.51-0.52-1.00-0.69-1.32-0.55-0.54-0.52-0.520.01-0.04-0.07-0.020.230.280.330.430.320.350.360.330.370.380.390.400.430.410.420.440.570.590.630.660.670.720.740.770.760.280.490.640.670.700.710.690.770.760.770.770.750.780.810.880.850.880.920.940.970.981.011.111.201.381.30
EPS Actual0.270.290.300.310.330.340.360.380.400.410.430.460.480.500.520.570.600.660.770.800.830.830.960.970.971.001.091.121.101.121.111.181.200.541.051.231.311.251.201.491.881.241.961.791.361.681.421.46-8.78-7.74-2.69-4.910.46-1.16-0.600.22-1.36-2.08-3.77-1.22-0.84-0.790.77-0.75-0.73-0.92-1.28-0.38-0.21-1.39-0.060.05-0.100.030.410.310.610.240.350.400.310.340.370.380.410.410.370.480.460.510.590.690.710.700.730.800.810.860.80-0.360.590.690.680.750.671.071.171.361.311.050.980.911.040.961.030.991.031.090.991.011.071.161.231.14-
Surprise3.85%3.57%7.14%0.00%3.13%0.00%2.86%2.70%2.56%0.00%2.38%2.22%2.13%2.04%1.96%5.56%1.69%6.45%16.67%6.67%18.57%-12.94%4.30%1.04%2.04%3.81%0.90%0.00%0.90%-2.63%3.51%5.26%14.89%3.96%6.03%13.91%2.46%-1.64%16.41%40.30%-10.14%38.03%15.48%-10.53%12.00%2.90%1.39%-133.51%-205.93%-26.29%-210.76%121.30%4.13%58.62%114.57%5.56%-38.67%-318.89%-52.50%-6.33%-54.90%248.08%25.00%-5.80%30.30%-132.73%29.63%59.62%-167.31%-700.00%225.00%-42.86%250.00%78.26%10.71%84.85%-44.19%9.38%14.29%-13.89%3.03%0.00%0.00%5.13%2.50%-13.95%17.07%9.52%15.91%3.51%16.95%12.70%6.06%8.96%11.11%9.46%11.69%5.26%-228.57%20.41%7.81%1.49%7.14%-5.63%55.07%51.95%78.95%70.13%36.36%30.67%16.67%28.40%9.09%21.18%12.50%11.96%15.96%2.06%3.06%5.94%4.50%2.50%-17.39%-
Timing------Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market----------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-market-Pre-marketPre-marketPre-marketPre-market-Pre-marketPre-marketPre-marketPre-marketPre-marketPre-market-Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap4.37B
Enterprise Value5.69B
Trailing P/E8.15
Forward P/E6.31
PEG Ratio0.76
Price / Sales2.65
Price / Book0.95
EPS4.05
Book Value36.00
Revenue (TTM)1.65B
Gross Profit (TTM)1.14B
EBITDA903.04M
Profit Margin32.51%
Operating Margin31.63%
Return on Equity12.03%
Return on Assets5.29%
Shares Outstanding132.30M
Shares Float129.98M
Beta0.70
Dividend Yield3.09%
Dividend Rate1.02
Payout Ratio22.17%

Analyst Ratings

Buy
Based on 6 analystsTarget 44.50
  • Strong Buy
    1
  • Buy
    2
  • Hold
    2
  • Sell
    1

Ownership Breakdown

Institutions
97.54%
Insiders
1.67%
Retail / Other
0.79%

Top Institutional Holders

  • BlackRock Inc
    18.95M14.32%
  • Vanguard Portfolio Management, LLC
    9.35M7.07%
  • LSV Asset Management
    6.39M4.83%
  • Vanguard Capital Management, LLC
    6.07M4.59%
  • Dimensional Fund Advisors, Inc.
    6.07M4.59%
  • State Street Corp
    5.75M4.35%
  • American Century Companies Inc
    5.12M3.87%
  • Donald Smith & Co Inc
    4.33M3.27%
  • Geode Capital Management, LLC
    3.42M2.58%
  • Allianz Asset Management AG
    2.73M2.06%
  • Caisse De Depot Et Placement Du Quebec
    2.37M1.79%
  • NORGES BANK
    2.23M1.69%
  • Fuller & Thaler Asset Management Inc
    2.08M1.57%
  • Citadel Advisors Llc
    2.06M1.56%
  • Charles Schwab Investment Management Inc
    1.95M1.48%

Top Fund Holders

  • iShares Core S&P Small-Cap ETF
    8.09M6.12%
  • Vanguard MStar Total Stk Mkt Idx Invest
    4.23M3.20%
  • Avantis US Small Cap Value ETF
    4.01M3.03%
  • iShares Russell 2000 ETF
    3.50M2.65%
  • Vanguard Small Cap Index
    3.06M2.31%

Dividends

20263×
0.26Aug 24, 20260.26Jun 2, 20260.26Feb 23, 2026
20254×
0.26Nov 24, 20250.26Aug 25, 20250.26Jun 2, 20250.26Feb 24, 2025
20244×
0.24Nov 25, 20240.24Aug 26, 20240.24Jun 4, 20240.24Feb 23, 2024
20234×
0.23Nov 24, 20230.23Aug 18, 20230.23May 26, 20230.23Feb 24, 2023
20224×
0.20Nov 18, 20220.20Aug 19, 20220.20May 20, 20220.20Feb 17, 2022
20214×
0.14Nov 19, 20210.14Aug 20, 20210.14May 21, 20210.13Feb 19, 2021
20201×
0.13Nov 20, 2020

Stock Splits

  • Jun 21, 20012:1
  • Dec 3, 19962:1