Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
RDN
STRONG BUYAPPROVERadian Group Inc. · Financial Services · United States · $5.1B · Avg Vol: $55M/d
Radian Group clears the calibrated bar. All three legs are above the floor (Q67 V55 M61) and there are two independent corroborating filings: insiders bought 0.13% against 0.04% sold, net buying, and a buyback retired 5.95% of shares outstanding in 90 days, one of the largest capital returns seen in this run. Nothing adverse is on file: no negative earnings revision and no net selling. Mortgage insurance in-force benefits from higher-for-longer rates, since borrowers with low legacy mortgage rates do not refinance away, extending the premium-earning life of the book.
COMPANY DESCRIPTION
Radian Group Inc. is a leading provider of private mortgage insurance (PMI) and related services to the U.S. mortgage and real estate markets. The company's competitive advantage stems from its approved status with government-sponsored enterprises, its strong capital position, and sophisticated risk management analytics that support mortgage lenders. Radian plays a critical role in enabling homeownership by facilitating the availability of low down payment mortgages while protecting lenders from credit risk.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1.2B | 1.2B | 1.2B | 1.2B | 0.2% | 1.4B | 1.8B | 1.9B | 26.9% |
| EPS | 4.42 | 3.81 | 3.96 | 4.18 | -1.8% | 4.23 | 5.27 | 5.47 | 14.4% |
| Shares | 157.1M | 153.2M | 147.6M | 135.5M | -13.7% | 133.0M | — | — | — |
| Debt | 1.6B | 1.6B | 1.1B | 1.1B | -10.3% | 1.4B | — | — | — |
| Equity | 3.9B | 4.4B | 4.6B | 4.8B | 6.9% | — | — | — | — |
| Op CF | 388.3M | 529.4M | -663.6M | 119.9M | -32.4% | 337.1M | — | — | — |
| Inv CF | -5.2M | -300.8M | 327.7M | 127.3M | — | — | — | — | — |
| Fin CF | -479.2M | -265.1M | 357.2M | -243.1M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of RDN are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| RDN | Radian Group Inc.(you) | $5.1B | 85 | STRONG BUY |
| MTG | MGIC Investment Corporation | $6.3B | 89 | STRONG BUY |
| ACT | Enact Holdings, Inc. | $6.5B | 82 | STRONG BUY |
| NMIH | NMI Holdings, Inc. | $3.2B | 90 | STRONG BUY |
| FAF | First American Financial Corporation | $7.7B | 96 | STRONG BUY |
| ITIC | Investors Title Company | $533M | 86 | STRONG BUY |
| FNF | Fidelity National Financial, Inc. | $13.9B | 58 | HOLD |
| RYAN | Ryan Specialty Holdings, Inc. | $11.0B | 27 | SELL |
| EIG | Employers Holdings, Inc. | $908M | 32 | SELL |
| AMSF | AMERISAFE, Inc. | $569M | 38 | HOLD |
Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%