CoverageForm 410-K10-Q8-K13D13G13F

RDN · Radian Group Inc - Financials

Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.

Price · RDN

Income Statement

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Revenue$1.20B$1.29B$1.24B$1.19B$1.33B$1.44B
Cost of Revenue-$38.27M$38.49M$82.36M$103.71M$86.07M
Gross Profit-$1.25B$1.20B$1.11B$1.23B$1.35B
R&D------
SG&A------
Total Operating Expenses$405.86M$518.99M$473.10M$237.95M$565.10M$959.18M
D&A$10.00M$18.00M$15.00M$15.20M$15.90M$18.30M
Operating Income$791.23M$771.29M$767.49M$952.78M$764.83M$479.44M
Interest Expense$68.29M$108.01M$89.69M$84.45M$84.34M$71.15M
Income Tax$173.05M$166.85M$164.37M$209.84M$164.16M$85.81M
Net Income$582.64M$604.44M$603.12M$742.93M$600.67M$393.63M
EPS - Basic$4.18$3.96$3.81$4.42$3.19$2.01
EPS - Diluted$4.14$3.92$3.77$4.35$3.16$2.00

Balance Sheet

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Cash & Equivalents$24.83M$38.82M$19.00M$56.18M$151.15M$87.92M
Accounts Receivable------
Inventory------
Accounts Payable------
Current Assets------
Total Assets$8.12B$8.66B$7.59B$7.06B$7.84B$7.95B
Current Liabilities------
Long-term Debt------
Total Liabilities$3.34B$4.04B$3.20B$3.14B$3.58B$3.66B
Stockholders' Equity$4.78B$4.62B$4.40B$3.92B$4.26B$4.28B
Retained Earnings$5.13B$4.70B$4.24B$3.79B$3.18B$2.68B

Cash Flow

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Operating Cash Flow$119.86M($663.57M)$529.43M$388.30M$557.11M$658.43M
Investing Cash Flow$127.29M$327.75M($300.84M)($5.17M)($1.86M)($883.18M)
Financing Cash Flow($243.10M)$357.23M($265.09M)($479.18M)($496.78M)$222.62M
CapEx$4.21M$3.17M$17.67M---
Free Cash Flow$115.66M($666.75M)$511.76M---

Ratios

MetricFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Profitability
Gross margin-97.0%96.9%93.1%92.2%94.0%
Operating margin66.1%59.8%61.9%80.0%57.5%33.3%
EBITDA margin66.9%61.2%63.1%81.3%58.7%34.6%
Net margin48.7%46.8%48.6%62.4%45.2%27.4%
Free cash flow margin9.7%-51.7%41.3%---
FCF / Net income0.20-1.100.85---
R&D / Revenue------
SG&A / Revenue------
Effective tax rate22.9%21.6%21.4%22.0%21.5%17.9%
Return on assets7.2%7.0%7.9%10.5%7.7%5.0%
Return on equity12.2%13.1%13.7%19.0%14.1%9.2%
Return on invested capital------
Liquidity
Current ratio------
Quick ratio------
Cash ratio------
Leverage
Debt / Equity------
Debt / Assets------
Debt / EBITDA------
Interest coverage11.6x7.1x8.6x11.3x9.1x6.7x
Equity multiplier1.701.871.731.801.841.86
Liabilities / Assets0.410.470.420.450.460.46
Efficiency
Asset turnover0.150.150.160.170.170.18
Inventory turnover------
Days sales outstanding------
Days inventory outstanding------
Days payable outstanding------
Cash conversion cycle------
Valuation
P / E8.7x8.1x7.6x4.4x6.7x10.1x
P / B1.1x1.1x1.0x0.8x0.9x0.9x
P / S4.2x3.8x3.7x2.7x3.0x2.8x
EV / EBITDA6.3x6.1x5.8x3.3x5.0x7.8x
Growth
Revenue growth (YoY)-7.2%4.0%4.2%-10.5%-7.6%-5.8%
Revenue CAGR (3y)0.2%-1.0%-4.8%-8.0%1.5%5.6%
Revenue CAGR (5y)-3.6%-3.3%-0.5%-0.5%1.4%3.8%
Gross profit growth (YoY)-4.2%8.5%-9.6%-9.3%-4.7%
Operating income growth (YoY)2.6%0.5%-19.4%24.6%59.5%-43.5%
Net income growth (YoY)-3.6%0.2%-18.8%23.7%52.6%-41.5%
EPS growth (YoY)5.6%4.0%-13.3%37.7%58.0%-37.5%
EPS CAGR (3y)-1.6%7.4%23.5%10.8%4.5%53.8%
EPS CAGR (5y)15.7%4.1%6.4%51.2%18.2%10.4%
FCF growth (YoY)------
FCF CAGR (5y)------
Book value growth (YoY)3.4%5.1%12.2%-8.0%-0.6%5.8%

Sales by segment

From XBRL dimensional facts in the 10-K period ending 2025-12-31.

Business segments

$1.20B total
Mortgage Insurance Segment$1.20B · 100.0%

Stability scores

Piotroski F-score

FY 2025 · 9-point quality

4/9
Neutral
  • Net income positive
  • Operating cash flow positive
  • ROA improved YoY
  • Cash flow > net income
  • -Long-term debt decreased
  • -Current ratio improved
  • No share dilution
  • -Gross margin improved
  • Asset turnover improved

Peer comparison

Same SIC group: Surety Insurance

CompanyRevenue (last FY)Net marginROE
MTG$1.21B60.8%14.3%
ESNT$1.26B54.7%12.0%
AMBC$251.22M-103.1%-36.2%
AGO$1.11B45.3%8.9%
NMIH$706.44M55.1%15.0%

Comparing RADIAN GROUP INC against the 5 most active filers in the same SIC group.

Dividends

$1.02/share trailing 12 months · +2.0% YoY

Ex-datePer share
Jun 2, 2026$0.2550
Feb 23, 2026$0.2550
Nov 24, 2025$0.2550
Aug 25, 2025$0.2550
Jun 2, 2025$0.2550
Feb 24, 2025$0.2550
Nov 25, 2024$0.2450
Aug 26, 2024$0.2450
Jun 4, 2024$0.2450
Feb 23, 2024$0.2450
Nov 24, 2023$0.2250
Aug 18, 2023$0.2250
May 26, 2023$0.2250
Feb 24, 2023$0.2250
Nov 18, 2022$0.2000
Aug 19, 2022$0.2000
May 20, 2022$0.2000
Feb 17, 2022$0.2000
Nov 19, 2021$0.1400
Aug 20, 2021$0.1400
May 21, 2021$0.1400
Feb 19, 2021$0.1250
Nov 20, 2020$0.1250
Aug 21, 2020$0.1250