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Radian Group Inc.

RDN Financial Insurance Specialty

Radian Group Inc.’s revenue for fiscal 2025 (year ended December 2025) was $1.2 billion, down 0.76% from fiscal 2024.

Revenue
+92.6%
EPS
−17.5%
Free cash flow
+148.0%
Total debt
−61.4%

Quarter to June 2026, against a year earlier

37.13 0.57 +1.56%
Market cap
$4.9B
P/E
9.5×
Fwd P/E
8.8×
Dividend yield
2.75%
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 5.77
Sold, $m 4.35
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — 1 — — — — —
Sell 1 — — — 4 5 2 1 — 1 — —
Insider Ownership 4.13%

Capital & Financial Ratios $m

Size
Market Cap 4,930.00
Revenue ttm 1,644.99
Net income ttm 582.64
Free cash flow ttm 1,390.46
Net debt Q 1,076.96
Valuation
P/E 9.47
Forward P/E 8.76
Price / sales 3.06
Forward P/S Powerpack
Price / FCF 3.61
Price / book 1.05
Financial health
Current ratio Q 0.39
Debt / equity Q 0.26
Interest coverage Q 7.76
Growth
Revenue growth Q +92.58% (above 0%: growing)
Operating income growth Q −21.82% (below 0%: shrinking)
EPS, this year +10.43%
EPS, next year A +4.80%
Revenue, next year A +92.72% (at or above 10%: strong)
EPS, past 5 yrs +15.66% (at or above 15%: strong)
EPS, next 5 yrs A +4.94%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 74.33%
10-year low 10-year high
P/S against its own 10 years 37.22%
10-year low 10-year high
P/B against its own 10 years 50.35%
10-year low 10-year high

Dividends raised 6 years running

Yield
2.75%
Annual rate
1.02
Payout ratio
26.2%
Growth, 2017–25
+78.3%/yr
  1. 0.01 ’17
  2. 0.01 ’18 +0
  3. 0.01 ’19 +0
  4. 0.50 ’20 +4900
  5. 0.55 ’21 +9
  6. 0.80 ’22 +47
  7. 0.90 ’23 +13
  8. 0.98 ’24 +9
  9. 1.02 ’25 +4
  10. 1.02 ’26e +0
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 20 19 25 155
Receivables 150 156 169 1,194
Inventory — — — —
Other — — — —
170 175 194 1,349
2023 2024 2025 Q'26
Payables 596 543 559 2,928
ST’ Debt — — — 535
Other — — — —
596 543 559 3,463

Compound Annual Growth %

10y 5y 3y
Sales 0.03% (3.61%) 0.18%
Cash Flow 26.17% (28.87%) (32.42%)
Earnings 7.34% 8.16% (7.78%)
Book Value 6.71% 2.22% 6.85%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 1.27 Actual 1.44

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 1.11 1.16 Beat by 0.05
Q1 FY26 1.17 1.27 Beat by 0.10
Q2 FY26 1.38 1.14 Miss by 0.24
Q3 FY26 1.27 1.44 Beat by 0.17
Q4 FY26 1.32 — Reports 17 February 2027

EPS $

Mar Jun Sep Dec Year
’26 0.89 0.85 — — —
’25 0.98 1.02 1.03 1.12 4.14
’24 0.98 0.98 0.99 0.98 3.92
’23 0.98 0.91 0.98 0.91 3.77
’22 1.01 1.15 1.20 1.01 4.35
’21 0.64 0.80 0.67 1.07 3.16
’20 0.70 (0.15) 0.70 0.76 2.00
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 466 575 — — —
’25 295 299 303 301 1,197
’24 319 321 313 252 1,206
’23 310 290 313 265 1,177
’22 293 287 296 315 1,191
’21 329 337 326 338 1,330
’20 329 364 375 370 1,439
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 285 343 — — —
’25 68 (713) 358 407 120
’24 51 (207) (238) (269) (664)
’23 117 72 75 265 529
’22 117 60 105 106 388
’21 153 123 127 154 557
’20 156 149 193 160 658
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 284 343 — — —
’25 67 (715) 357 406 116
’24 49 (208) (237) (270) (665)
’23 112 67 71 271 521
’22 113 57 101 101 371
’21 151 120 124 150 545
’20 151 144 189 157 641
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.4
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 1,238 1,222 1,273 1,527 1,439 1,330 1,191 1,177 1,206 1,197 1,645 (0.4%) 2,307 2,484 2,574 +29.1%
Gross margin, % 72.51 78.39 82.09 82.60 58.14 88.45 119.48 101.49 97.92 92.33 69.22 +19.8 pt
EBT 484 347 684 849 479 765 953 864 846 791 724 +5.6%
EBT margin, % 39.06 28.38 53.75 55.60 33.33 57.51 80.02 73.38 70.10 66.10 44.02 +27.0 pt
Net income 308 121 606 672 394 601 743 603 604 583 583 +7.3%
Per share, $
Per share, $ Revenue 5.85 5.67 5.94 7.31 7.36 7.06 7.09 7.44 7.91 8.58 12.15 +4.4%
Earnings 1.46 0.56 2.83 3.22 2.01 3.19 4.42 3.81 3.96 4.18 3.92 +12.4%
Cash flow 1.80 1.67 3.16 3.33 3.37 2.96 2.31 3.35 (4.35) 0.86 10.29 (7.9%)
Capex (0.17) (0.13) (0.12) (0.13) (0.09) (0.07) (0.11) (0.05) (0.01) (0.03) (0.02) (17.3%)
Free cash flow 1.63 1.54 3.04 3.19 3.28 2.89 2.21 3.29 (4.36) 0.83 10.27 (7.3%)
Book value 13.56 13.93 16.28 19.39 21.92 22.61 23.34 27.81 30.33 34.29 35.52 +10.9%
Shares, m 212 215 214 209 195 188 168 158 152 139 137 (4.5%)
Valuation, ×
Valuation, × P/E 12.75 37.32 5.78 7.77 10.02 6.58 4.37 7.50 7.99 8.59 9.47 10.9
P/S 3.10 3.68 2.75 3.44 2.75 2.99 2.73 3.86 4.01 4.19 3.06 3.4
P/B 1.34 1.50 1.00 1.30 0.92 0.93 0.83 1.03 1.05 1.05 1.05 1.1
EV/Sales 3.91 4.45 3.54 4.05 3.79 4.05 4.00 5.15 5.36 5.10 — 4.3
EV/FCF 13.99 16.36 6.92 9.27 8.49 9.90 12.85 11.63 (9.72) 52.77 — 13.2
Cash, $m
Cash, $m Operating cash flow 382 361 678 694 658 557 388 529 (664) 120 1,393 (12.1%)
Capex (36) (29) (26) (28) (17) (13) (18) (9) (2) (4) (3) (21.1%)
Free cash flow 346 332 652 667 641 545 371 521 (665) 116 1,390 (11.5%)
Balance, $m
Balance, $m Working capital (1,073) (676) (537) (461) (1,009) (813) (496) (426) (368) (365) (2,114) (11.3%)
Net debt 1,008 931 1,006 926 1,488 1,408 1,513 1,517 1,092 1,084 1,077 +0.8%
Shareholders’ equity 2,872 3,000 3,489 4,049 4,284 4,259 3,919 4,398 4,624 4,782 4,808 +5.8%
Returns, %
Returns, % ROA 5.36 2.06 9.92 10.25 5.34 7.61 9.97 8.23 7.42 6.93 5.30 +1.6 pt
ROIC 9.00 6.33 9.51 10.67 5.19 8.44 10.96 9.13 9.25 8.43 7.69 (0.6) pt
ROE 11.48 4.12 18.68 17.84 9.45 14.06 18.17 14.50 13.40 12.39 11.53 +0.9 pt
People
People Employees 1,971 1,887 1,942 2,000 1,600 1,800 1,400 1,100 1,000 900 — (8.3%)
Revenue/emp, $m 0.63 0.65 0.66 0.76 0.90 0.74 0.85 1.07 1.21 1.33 — +8.7%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 25 Oct 2026

Radian Group Inc. vs peers in Insurance Specialty (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
FNF Fidelity National Financial, Inc. $11.5B 15.2× 9.3× +11.44% (above 0%: growing) +9.80% (above 0%: growing) −1.24% (below 0%: shrinking) 53.15% 9.85% Compare
AXS Axis Capital Holdings Limited $7.7B 8.0× 8.2× +6.91% (above 0%: growing) −24.09% (below 0%: shrinking) +31.71% (above 0%: growing) 24.75% 14.68% Compare
FAF First American Financial Corporation $7.0B 9.5× 9.6× +5.34% (above 0%: growing) −6.52% (below 0%: shrinking) −12.25% (below 0%: shrinking) 100.00% 14.30% Compare
ACT Enact Holdings, Inc. $6.6B 9.9× 9.8× +0.45% (above 0%: growing) +4.50% (above 0%: growing) −4.21% (below 0%: shrinking) 0.00% 0.00% Compare
ESNT Essent Group Ltd. $6.2B 9.5× 8.8× +13.64% (above 0%: growing) +7.18% (above 0%: growing) +3.88% (above 0%: growing) 65.75% 65.75% Compare
MTG MGIC Investment Corporation $6.0B 9.1× 8.7× −1.78% (below 0%: shrinking) +2.41% (above 0%: growing) +0.56% (above 0%: growing) 77.43% 76.97% Compare
RDN Radian Group Inc. $4.9B 9.5× 8.8× +92.58% (above 0%: growing) −17.48% (below 0%: shrinking) +147.96% (above 0%: growing) 50.35% 30.09%
NMIH NMI Holdings Inc $3.3B 8.5× 8.0× +8.12% (above 0%: growing) +13.82% (above 0%: growing) +10.69% (above 0%: growing) 93.00% 76.67% Compare
AGO Assured Guaranty Ltd. $3.2B 9.6× 11.1× −30.60% (below 0%: shrinking) −57.89% (below 0%: shrinking) −48.72% (below 0%: shrinking) 97.95% 42.05% Compare
Median of peers $6.4B 9.5× 9.1× +6.13% +3.46% −0.34% 71.59% 28.37%

All 15 Insurance Specialty stocks →

Pay and ownership Proxy statement filed 2 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 11.32m 18.61m 208.36
2024 10.10m 14.44m 147.58
2023 12.79m 23.72m 128.84
2022 8.39m 9.64m 82.95
2021 9.29m 16.61m 88.57

Ownership

Directors and executive officers, together 2.03%
BlackRock, Inc. 15.60%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Radian Group Inc. (RDN) Latest News

6 Nov

Impact 3 · · GuruFocus.com

5 Nov

Impact 3 · · The Motley Fool transcript
Impact 3 · · Zacks

4 Nov

Impact 3 · · StockStory
Impact 3 · · Business Wire

28 Oct

Impact 4 · · Business Wire

15 Oct

Impact 4 · · Insider Monkey

14 Oct

Impact 3 · · Zacks

15 Sep

Impact 3 ·

10 Sep

Impact 3 ·

5 Sep

Impact 3 ·

1 Sep

Impact 3 ·

13 Aug

Impact 4 ·
Impact 3 ·

12 Aug

Impact 3 · · The Motley Fool transcript

11 Aug

Impact 4 ·
Impact 3 ·

8 Aug

Impact 3 · · MarketBeat transcript

6 Aug

Impact 3 · · Moby

5 Aug

Impact 3 ·
Impact 3 ·

3 Aug

Impact 4 ·

19 Jul

Impact 3 ·

1 Jul

Impact 3 ·
Impact 3 ·

4 Jun

Impact 3 · · Business Wire

26 May

Impact 4 · · Insider Monkey

23 May

Impact 3 · · Simply Wall St.

16 May

Impact 3 · · StockStory

14 May

Impact 4 · · MarketBeat

RDN metrics, ten years each

stockrow.com/RDN · Data as of Oct 25, 2026 · For information only; not investment advice. · © 2026 stockrow.com