Radian Group (RDN) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Radian Group

NYSE•Financial Services•Insurance - Specialty

$35.27-0.09(<0.01%)Pre-market

Market Cap

$4.74B

P/E

8.8x

P/S

3.0x

P/B

1.0x

Radian Group Inc., together with its subsidiaries, provides mortgage insurance in the United States. It aggregates, manages, and distributes mortgage credit risk for the benefit of mortgage lending institutions and mortgage credit investors through private mortgage insurance on residential first-lien mortgage loans. The company also offers private mortgage insurance, specialty insurance, and reinsurance lines. It serves mortgage originators, such as mortgage banks, commercial banks, savings institutions, credit unions, and community banks. 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.

How this company scores

GoodMetricSide Score: 68/100

Strongest: Balance Sheet & Red Flags (19/25); weakest: Profitability (14/25).

Profitability14/25

Growth17/25

Balance Sheet & Red Flags19/25

Cash & Earnings Quality18/25

Strengths

Growing revenueStrong marginsLow leverageNo share dilution

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 8.8x5y range 4.1x – 8.8x

Currently near its 20-quarter median.

P/S · 3.0x5y range 2.5x – 4.2x

Currently near its 20-quarter median.

P/B · 1.0x5y range 0.8x – 1.1x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Margin Pressure

Watch

Operating margins declined 6.4% — watch for continued compression, which may signal competitive or cost pressure.

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 4 quarters — monitor for earnings quality deterioration.

Price & Volume

Market Cap $4.74B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $1.60B
Q. Revenue: $574.96M
TTM EBITDA: $762.15M
TTM Op. Income: $752.15M
Q. Op. Income: $150.72M
TTM Net Income: $536.29M
Q. Net Income: $115.91M
EPS: $0.85
Shares Out.: $135.35M

$1.60B in TTM revenue grew 24.6% YoY, reaching $574.96M last quarter. TTM EBITDA of $762.15M and TTM operating income of $752.15M show growth is flowing through to the bottom line. TTM net income of $536.29M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 2 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 26.2%
Op. Margin: 26.2%
Net Margin: 20.2%

Op. margin of 26.2% is down 28.8% YoY — costs are rising relative to revenue. Net margin at 20.2% Across the last 8 quarters, operating margin has fallen for 2 consecutive quarters — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 8.8x
P/S Ratio: 3.0x
P/B Ratio: 1.0x

At 8.8x P/E, the stock trades below typical market levels. P/S of 3.0x and P/B of 1.0x provide additional context. P/E sits below typical market levels while revenue is growing. Over the past year, P/E is up 5% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $10.66B
Cash: $119.05M
Long-Term Debt: $696.89M
Book Value: $4.81B
D/E Ratio: 0.1
Debt/EBITDA: 4.6

With $10.66B in assets and $696.89M in long-term debt, D/E is 0.1and book value is $4.81B — a conservative capital structure with a cushion to weather downturns. Over the past year, debt/equity is up 0% — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $148.60M
TTM Free Cash Flow: $1.66B
FCF Margin: 103.4%
FCF / Net Income: 3.1

TTM FCF of $1.66B on $148.60M in operating cash flow. The FCF / Net Income ratio of 3.1x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 4 consecutive quarters — an improving trend.