Investors Title Company (ITIC) vs Radian Group Inc. (RDN)

Investors Title Company and Radian Group Inc. are both Insurance Specialty companies. Radian Group Inc. is the larger, with a market value of $4.9B against $493.3M — 10.0× the size. Radian Group Inc. trades at the lower P/E: 9.5× against 12.2×. Radian Group Inc. grew revenue faster over the last twelve months: 41.9% against 8.67%. Radian Group Inc. has the higher net margin (32.6% vs 13.8%) and the lower return on invested capital (7.69% vs 12.2%). Both pay a dividend; Radian Group Inc. yields more (2.75% vs 0.70%). Across the 21 metrics below, Radian Group Inc. leads on 12 and Investors Title Company on 9.

Valuation

Metric ITIC RDN Insurance Specialty median
P/E 12.22 9.47 9.49
P/S 1.69 3.06 1.69
P/B 1.72 1.05 1.23
Price to free cash flow 18.68 3.61 8.44
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.18% 10.56% 10.48%
Free cash flow yield 5.35% 27.67% 10.87%

Profitability

Metric ITIC RDN Insurance Specialty median
Gross margin 56.22% 69.22% 56.22%
Operating margin 17.70% 48.72% 15.19%
Net margin 13.80% 32.60% 13.80%
Free cash flow margin 9.02% 84.53% 34.47%
Return on equity 14.63% 11.53% 12.01%
Return on assets 11.14% 5.30% 3.55%
Return on invested capital 12.18% 7.69% 9.88%

Growth

Metric ITIC RDN Insurance Specialty median
Revenue growth (TTM) 8.67% 41.92% 7.68%
EPS growth (last fiscal year) 13.02% 5.61% 8.65%
Revenue growth, 5-year CAGR 2.90% (3.61%) 2.24%
Net income growth, 5-year CAGR (2.25%) 8.16% 0.00%

Health

Metric ITIC RDN Insurance Specialty median
Debt to equity 0.00 0.26 0.16
Current ratio 0.52 0.39 0.52
Net debt to EBITDA (0.44) 1.20 0.28

Dividend

Metric ITIC RDN Insurance Specialty median
Dividend yield 0.70% 2.75% 2.06%
Payout ratio 0.09 0.26 0.19

Size

Metric ITIC RDN Insurance Specialty median
Market cap 493.33m 4.93b 3.31b

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