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. In the quarter to June 2026, revenue grew 92.6%, EPS fell 17.5%, free cash flow grew 148.0% and total debt fell 61.4%, each against the same quarter a year earlier. Dividend growth for ten consecutive years; insiders bought in the last twelve months.

34.04 0.44 +1.31%
Market cap
$4.5B
P/E
8.7×
Fwd P/E
7.8×
Dividend yield
3.00%
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21 Dec '20 Dec '19 Dec '18 Dec '17 Dec '16
P/E ratio
8.59 7.99 7.50 4.37 6.58 10.02 7.77 5.78 37.32 12.75
Piotroski F-Score
5 4 5 5 7 4 9 8 6 7
P/S ratio
4.19 4.01 3.86 2.73 2.99 2.75 3.44 2.75 3.68 3.10
P/FCF ratio
43.39 0.00 8.72 8.77 7.31 6.17 7.88 5.38 13.56 11.08
P/Operating CF
12.33 (17.95) 17.14 30.61 25.88 24.79 28.00 18.86 31.66 40.68
P/B ratio
1.05 1.05 1.03 0.83 0.93 0.92 1.30 1.00 1.50 1.34
Price to Tangible BV
1.05 1.05 1.04 0.83 0.94 0.93 1.31 1.02 1.53 1.48
EV/Sales
5.10 5.36 5.15 4.00 4.05 3.79 4.05 3.54 4.45 3.91
EV/EBITDA
7.08 6.50 6.21 4.59 6.35 9.89 6.82 6.05 11.78 7.57
EV/Operating CF
50.92 (9.74) 11.44 12.26 9.67 8.27 8.90 6.66 15.06 12.69
EV/FCF
52.77 (9.72) 11.63 12.85 9.90 8.49 9.27 6.92 16.36 13.99
Quick Ratio
0.35 0.32 0.29 0.29 0.30 0.22 0.55 0.53 0.45 0.26
Current Ratio
0.35 0.32 0.29 0.29 0.30 0.22 0.55 0.53 0.45 0.26
Net Debt/EBITDA
1.20 1.10 1.51 1.36 1.52 2.39 0.94 1.23 1.27 1.42
Debt/Assets
13.66% 12.79% 20.24% 22.22% 19.91% 19.91% 15.01% 17.62% 17.41% 18.24%
Debt/Equity
0.23 0.24 0.35 0.40 0.37 0.37 0.25 0.32 0.34 0.37
Asset Turnover
0.14 0.15 0.16 0.16 0.17 0.20 0.23 0.21 0.21 0.22
Operating CF/Net income
0.21 (1.10) 0.88 0.52 0.93 1.67 1.03 1.12 2.98 1.24
Capex/Depreciation
(0.09) (0.03) (0.15) (0.23) (0.17) (0.24) (0.36) (0.38) (0.11) (0.50)
Interest Coverage
12.59 10.61 11.02 12.28 10.07 7.74 16.08 12.13 7.34 7.89
ROE
12.39% 13.40% 14.50% 18.17% 14.06% 9.45% 17.84% 18.68% 4.12% 11.48%
ROA
6.93% 7.42% 8.23% 9.97% 7.61% 5.34% 10.25% 9.92% 2.06% 5.36%
ROIC
8.43% 9.25% 9.13% 10.96% 8.44% 5.19% 10.67% 9.51% 6.33% 9.00%
Return on Tangible Assets
(167.29%) (175.40%) (166.66%) (174.68%) (81.38%) (42.41%) (180.26%) (121.10%) (20.55%) (30.78%)
Average Days of Receivables
51.53 47.07 46.43 44.59 52.67 49.35 113.41 142.29 137.16 90.50
Research and Development Expense of Revenue
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Selling, General and Administrative Expense of Revenue
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Intangible Assets out of Total Assets
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.01 0.01 0.05
Share Based Compensation of Revenue
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Graham Net Nets
(0.63) (0.80) (0.67) (0.91) (0.81) (0.85) (0.42) (0.63) (0.52) (0.68)
Graham Number
56.86 52.05 48.95 48.23 40.41 31.56 37.60 32.20 13.25 20.82
Earnings Yield
11.64% 12.52% 13.34% 22.89% 15.19% 9.98% 12.88% 17.30% 2.68% 7.84%
Free Cash Flow Yield
2.30% (13.75%) 11.47% 11.41% 13.68% 16.21% 12.69% 18.59% 7.38% 9.03%
Revenue per Share
8.58 7.91 7.44 7.09 7.06 7.36 7.31 5.94 5.67 5.85
Operating CF per Share
0.86 (4.35) 3.35 2.31 2.96 3.37 3.33 3.16 1.67 1.80
Capex per Share
(0.03) (0.01) (0.05) (0.11) (0.07) (0.09) (0.13) (0.12) (0.13) (0.17)
Free Cash Flow per Share
0.83 (4.36) 3.29 2.21 2.89 3.28 3.19 3.04 1.54 1.63
Cash per Share
0.18 0.13 0.13 0.34 0.81 0.48 0.46 0.50 0.45 0.29
Shareholders Equity per Share
34.29 30.33 27.81 23.34 22.61 21.92 19.39 16.28 13.93 13.56
Interest Debt per Share
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Book value per Share
34.29 30.33 27.81 23.34 22.61 21.92 19.39 16.28 13.93 13.56
Free Cash Flow
115.66 (665.13) 520.90 370.63 544.51 641.42 666.81 651.78 331.90 346.18
Working Capital
(365.44) (367.97) (425.71) (496.29) (813.20) (1,008.56) (460.85) (537.44) (676.21) (1,072.61)
Capital Expenditures
(4.21) (1.56) (8.53) (17.67) (12.60) (17.02) (27.63) (26.01) (28.68) (35.54)
Net Current Asset Value
(3,147.04) (3,890.88) (3,026.30) (2,942.37) (3,235.86) (3,375.03) (2,188.85) (2,222.65) (2,345.53) (2,622.00)
EV/EBIT
7.10 6.93 6.38 4.59 6.35 9.89 6.82 6.05 11.78 7.57
Capex to Sales
0.00 0.00 0.01 0.01 0.01 0.01 0.02 0.02 0.02 0.03
Price to Operating Income
6.34 5.72 5.26 3.41 5.20 8.25 6.19 5.12 11.30 6.86
Other line items
Depreciation/Fixed assets
2.71 2.64 0.91 1.08 1.01 0.89 0.88 1.87 3.11 1.00
Cash ROIC
1.96% (11.56%) 8.75% 6.68% 9.12% 10.76% 12.91% 13.84% 8.05% 8.65%
Accounts Receivable Turnover
7.38 7.90 7.98 7.06 6.88 4.30 3.15 2.67 3.19 6.05
Accounts Payable Turnover
0.17 0.04 (0.03) (0.25) 0.13 0.52 0.24 0.19 0.20 0.22
Inventory Turnover
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Average Days of Payables
2,223.58 7,902.92 (12,380.31) (1,098.83) 2,750.76 786.29 1,417.29 1,825.91 1,702.48 1,545.47
Days of Inventory on Hand
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Average Receivables
162.28 152.66 147.62 168.69 193.20 334.48 485.37 477.67 383.07 204.65
Average Payables
551.03 569.16 646.93 928.03 1,227.47 1,164.40 1,086.15 1,186.12 1,336.51 1,549.10
Average Assets
8,405.97 8,141.73 7,328.83 7,451.46 7,893.60 7,378.17 6,561.48 6,107.77 5,882.03 5,752.64
Average Common Equity
4,702.69 4,510.83 4,158.57 4,089.06 4,271.57 4,166.54 3,768.72 3,244.38 2,936.16 2,684.61

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Columns are period end dates