Radian Group Inc. | Mid-cap | Financial Services
$33.37
-1.36%
| Radian Stock Comparison:
Radian vs Fidelity NationalRadian vs Ryan SpecialtyRadian vs Axis CapitalRadian vs MGIC InvestmentRadian vs First AmericanRadian vs S&P 500 | Market
TL;DR Income Statement Balance Sheet Cash Flow Key Ratios Peer Comparison

TL;DR: Financial Overview - Revenue, Profits & Key Metrics

Latest Quarterly: Jun 2025

Income Metrics

Revenue 317.8M
Net Income 141.8M 44.62%
EPS (Diluted) $1.02

Balance Sheet Metrics

Total Assets 9.6B
Total Liabilities 5.1B
Shareholders Equity 4.5B
Debt to Equity 1.13

Cash Flow Metrics

Operating Cash Flow 42.9M
Free Cash Flow 66.6M

Revenue & Profitability Trend

Radian Income Statement From 2020 to 2024

Metric 2024 2023 2022 2021 2020
Revenue i 1.3B 1.2B 1.2B 1.3B 1.4B
Cost of Goods Sold i - - - - -
Gross Profit i - - - - -
Gross Margin % i 0.0% 0.0% 0.0% 0.0% 0.0%
Operating Expenses
Research & Development i - - - - -
Selling, General & Administrative i - - - - -
Other Operating Expenses i 348.3M 347.6M 381.1M 323.7M 280.7M
Total Operating Expenses i 348.3M 347.6M 381.1M 323.7M 280.7M
Operating Income i - - - - -
Operating Margin % i 0.0% 0.0% 0.0% 0.0% 0.0%
Non-Operating Items
Interest Income i - - - - -
Interest Expense i 103.7M 89.7M 84.5M 84.3M 71.2M
Other Non-Operating Income 6.2M 6.2M 2.5M 3.4M 3.6M
Pre-tax Income i 771.3M 767.5M 952.8M 764.8M 479.4M
Income Tax i 166.8M 164.4M 209.8M 164.2M 85.8M
Effective Tax Rate % i 21.6% 21.4% 22.0% 21.5% 17.9%
Net Income i 604.4M 603.1M 742.9M 600.7M 393.6M
Net Margin % i 46.8% 48.6% 62.4% 45.2% 27.4%
Key Metrics
EBITDA i - - - - -
EPS (Basic) i $3.96 $3.81 $4.42 $3.19 $2.01
EPS (Diluted) i $3.92 $3.77 $4.35 $3.16 $2.00
Basic Shares Outstanding i 152465000 158140000 167930000 188370000 195443000
Diluted Shares Outstanding i 152465000 158140000 167930000 188370000 195443000

Income Statement Trend

Radian Balance Sheet From 2020 to 2024

Metric 2024 2023 2022 2021 2020
Assets
Current Assets
Cash & Equivalents i 38.8M 19.0M 56.2M 151.1M 87.9M
Short-term Investments i 5.5B 5.8B 5.4B 6.1B 6.3B
Accounts Receivable i 164.5M 149.8M 145.5M 191.9M 194.5M
Inventory i - - - - -
Other Current Assets - - - - -
Total Current Assets i - - - - -
Non-Current Assets
Property, Plant & Equipment i - - - - -
Goodwill i - 0 25.1M 29.4M 32.8M
Intangible Assets i - - 5.5M 9.8M 13.2M
Long-term Investments - - - - -
Other Non-Current Assets - - - - -
Total Non-Current Assets i - - - - -
Total Assets i 8.7B - - - -
Liabilities
Current Liabilities
Accounts Payable i - - - - -
Short-term Debt i 36.1M - - - -
Current Portion of Long-term Debt - - - - -
Other Current Liabilities - - - - -
Total Current Liabilities i - - - - -
Non-Current Liabilities
Long-term Debt i 2.3B 1.5B 1.6B 1.6B 1.6B
Deferred Tax Liabilities i 746.7M 589.6M 391.1M 337.5M 213.9M
Other Non-Current Liabilities - - - - -
Total Non-Current Liabilities i - - - - -
Total Liabilities i 4.0B - - - -
Equity
Common Stock i 168.0K 173.0K 176.0K 194.0K 210.0K
Retained Earnings i 4.7B 4.2B 3.8B 3.2B 2.7B
Treasury Stock i 968.2M 945.9M 930.6M 920.8M 910.1M
Other Equity - - - - -
Total Shareholders Equity i 4.6B 4.4B 3.9B 4.3B 4.3B
Key Metrics
Total Debt i 2.3B 1.5B 1.6B 1.6B 1.6B
Working Capital i 0 0 0 0 0

Balance Sheet Composition

Radian Cash Flow Statement From 2020 to 2024

Metric 2024 2023 2022 2021 2020
Operating Activities
Net Income i 604.4M 603.1M 742.9M 600.7M 393.6M
Depreciation & Amortization i - - - - -
Stock-Based Compensation i - - - - -
Working Capital Changes i -11.7M -1.9M 71.7M 64.7M -25.7M
Operating Cash Flow i -521.0M 734.9M 1.0B 827.2M 470.0M
Investing Activities
Capital Expenditures i -3.2M -16.3M -17.7M -12.6M -17.0M
Acquisitions i - - 0 0 16.5M
Investment Purchases i -1.4B -1.2B -1.4B -2.1B -2.6B
Investment Sales i 1.6B 908.7M 1.5B 2.1B 1.7B
Investing Cash Flow i 327.7M -300.8M -5.2M -1.9M -883.2M
Financing Activities
Share Repurchases i -225.1M -133.3M -400.2M -399.1M -226.3M
Dividends Paid i -152.0M -145.9M -135.4M -103.3M -97.5M
Debt Issuance i 3.6B 207.5M 28.7M 42.0M 722.6M
Debt Repayment i -2.8B -232.5M -75.8M -48.0M -138.0M
Financing Cash Flow i 380.9M -265.1M -479.2M -496.8M 222.6M
Free Cash Flow i -666.7M 513.2M 370.6M 544.5M 641.4M
Net Change in Cash i 187.6M 169.0M 533.7M 328.6M -190.6M

Cash Flow Trend

Radian Key Financial Ratios

Valuation Ratios

P/E Ratio (TTM) 8.75
Forward P/E 9.39
Price to Book 1.04
Price to Sales 3.65
PEG Ratio 2.17

Profitability Ratios

Profit Margin 45.62%
Operating Margin 63.17%
Return on Equity 13.07%
Return on Assets 6.18%

Financial Health

Current Ratio 3.09
Debt to Equity 75.41
Beta 0.73

Per Share Data

EPS (TTM) $3.96
Book Value per Share $33.18
Revenue per Share $8.78

Peer Financial Comparison

Company Market Cap P/E Ratio P/B Ratio ROE Profit Margin Debt/Equity
rdn 4.7B 8.75 1.04 13.07% 45.62% 75.41
Fidelity National 15.8B 14.43 1.95 13.75% 7.90% 54.14
Ryan Specialty 15.4B 145.73 12.14 16.98% 2.02% 309.01
Axis Capital 7.3B 8.99 1.30 15.07% 14.30% 24.11
MGIC Investment 6.3B 8.87 1.22 14.85% 62.58% 12.52
First American 6.3B 33.49 1.22 3.84% 2.90% 51.53

Financial data is updated regularly. All figures are in the company's reporting currency.