Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
RDN
BuyUnloved QualityAPPROVERadian Group Inc. · Financial Services · United States · $4.8B · Avg Vol: $34M/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% | 1.6B | 2.1B | 2.4B | 40.2% |
| EPS | 4.42 | 3.81 | 3.96 | 4.18 | -1.8% | 4.05 | 4.89 | 5.23 | 11.8% |
| Shares | 157.1M | 153.2M | 147.6M | 135.5M | -13.7% | 132.3M | — | — | — |
| Debt | 1.6B | 1.6B | 1.1B | 1.1B | -10.3% | 1.3B | — | — | — |
| Equity | 3.9B | 4.4B | 4.6B | 4.8B | 6.9% | — | — | — | — |
| Op CF | 388.3M | 529.4M | -663.6M | 119.9M | -32.4% | 1.4B | — | — | — |
| 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) | $4.8B | 71 | Buy |
| FAF | First American Financial Corporation | $7.6B | 78 | Buy |
| NMIH | NMI Holdings, Inc. | $3.4B | 83 | Strong Buy |
| ACT | Enact Holdings, Inc. | $6.7B | 84 | Strong Buy |
| MTG | MGIC Investment Corporation | $6.4B | 85 | Strong Buy |
| FNF | Fidelity National Financial, Inc. | $12.8B | 36 | Hold |
| ITIC | Investors Title Company | $565M | 89 | Strong Buy |
| EIG | Employers Holdings, Inc. | $883M | 39 | Hold |
| AMSF | AMERISAFE, Inc. | $487M | 49 | Hold |
| RYAN | Ryan Specialty Holdings, Inc. | $17.1B | 27 | Sell |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%