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Radian Group Inc.

NYSE•RDN
CEO: Mr. Richard Gerald Thornberry CPA
Sector: Financial Services
Industry: Insurance - Specialty
Listing Date: 1992-10-30
Radian Group Inc., together with its subsidiaries, engages in the mortgage and real estate services business in the United States. It operates through two segments, Mortgage Insurance and Homegenius segments. The Mortgage Insurance segment aggregates, manages, and distributes U.S. mortgage credit risk for mortgage lending institutions and mortgage credit investors, through private mortgage insurance on residential first-lien mortgage loans; and other credit risk management solutions, including contract underwriting. The Homegenius segment offers title services, including a suite of insurance and non-insurance titles; tax and title data, centralized recording, document retrieval, and default curative title services; deed and property reports; closing and settlement services; mortgage underwriting and processing; escrow; appraisal management; and real estate brokerage. This segment also provides real estate valuation products and services; asset management services for managing real estate owned properties, which includes a web-based workflow solution; and a suite of real estate technology products and services to facilitate real estate transactions, such as proprietary platforms as a service solution. It serves mortgage originators, such as mortgage bankers, commercial banks, savings institutions, credit unions, and community banks; and consumers, mortgage lenders, mortgage and real estate investors, government-sponsored enterprises, real estate brokers and agents, and corporations for their employees. 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.
Contact Information
550 East Swedesford Road, Suite 350, Wayne, PA, 19087, United States
215-231-1000
www.radian.com
Market Cap
$4.50B
P/E (TTM)
7.8
19.3
Dividend Yield
3.1%
52W High
$38.84
52W Low
$29.32
52W Range
39%
Rank28Top 16.1%
5.3
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Average • 5.3 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$301.00M+0.00%
4-Quarter Trend

EPS

$1.15+0.00%
4-Quarter Trend

FCF

$406.12M+0.00%
4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Mortgage Insurance Portfolio Growth Insurance in Force (IIF) grew 2.7% to $282.52 B USD; New Insurance Written (NIW) increased 6.1% to $55.17 B USD.
Liquidity Position Strengthened Available holding company liquidity reached $1.8 B USD at year-end 2025, up from $885 M USD in 2024, supporting Inigo funding.
Strategic Transformation Underway Completed Inigo acquisition; announced divestiture plan for Mortgage Conduit, Title, and Real Estate Services businesses.
Capital Structure Improvement Holding company debt-to-capital ratio reduced to 18.3% as of December 31, 2025, down from 18.7% in 2024.

Risk Factors

GSE Eligibility Cushion Pressure PMIERs Cushion decreased to $1.6 B USD in 2025 from $2.2 B USD in 2024, potentially impacting liquidity and GSE standing.
Loss Reserve Estimation Uncertainty Loss reserves rely on models and estimates; incorrect assumptions could lead to unexpected charges impacting financial condition.
Intense Industry Competition Mortgage Insurance business faces competition primarily on price from other private insurers and government agencies like FHA/VA.
Inigo Acquisition Integration Risks Integration of Inigo exposes company to unknown liabilities, operational disruptions, and challenges in realizing anticipated strategic benefits.

Outlook

Execute Business Divestitures Plan to complete divestiture of Mortgage Conduit, Title, and Real Estate Services businesses no later than Q3 2026.
Integrate Specialty Insurance Focus on effectively integrating Inigo to enhance value-added model across diversified insurance and reinsurance lines.
Optimize Mortgage Portfolio Value Strategy centers on writing high-value NIW using risk-adjusted pricing informed by data and analytics.
Maintain Capital Flexibility Manage capital and liquidity to maximize stockholder value while ensuring ongoing compliance with regulatory requirements.

Peer Comparison

Revenue (TTM)

SNEX stock ticker logoSNEX
$143.47B
+32.5%
AVAL stock ticker logoAVAL
$8.75B
-3.5%
MCY stock ticker logoMCY
$5.99B
+9.4%

Gross Margin (Latest Quarter)

SIGI stock ticker logoSIGI
100.0%
+0.0pp
RDN stock ticker logoRDN
95.7%
-1.0pp
ACT stock ticker logoACT
94.3%
-6.6pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
ACT$5.85B8.712.8%10.8%
MTG$5.64B8.014.3%9.7%
ESNT$5.62B8.112.1%7.6%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
-1.8%
Flat Growth
4Q Net Income CAGR
2.4%
Profitability Slowly Improving
Cash Flow Stability
75%
Volatile Cash Flow

Deep Research

Next earnings:Apr 28, 2026
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Balance Sheet
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LTM
No Data