Radian Group Inc. logo RDN - Radian Group Inc.

Price: -- -- | CONSENSUS: Buy DETAILS
STRONG
BUY
0
BUY 13
HOLD 9
SELL 0
STRONG
SELL
0
| PRICE TARGET: $43.00 DETAILS
HIGH: $47.00
LOW: $39.00
MEDIAN: $43.00
CONSENSUS: $43.00
UPSIDE: 18.36%
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Revenue
Revenue 1,247.2 1,290.7 1,240.6 1,190.7 1,329.0 1,439.9 1,527.0 1,273.0 1,221.6 1,238.5 1,193.3 1,072.7 749.9 902.7 1,947.8 417.5 1,313.4 1,808.0 201.1 1,327.9 1,298.2 1,364 1,279.2 1,067.8 906.9 615.4 552.8 483.6 390 222.6 165.6 130.5 107.2
Cost of Revenue 96.1 63.1 20.5 (232.0) 153.6 602.2 265.7 228.0 264.0 340.4 314.7 315.2 591.2 955.7 1,342.2 1,792.7 1,462.1 2,706.0 1,800.4 111.6 115.9 121.8 128.5 100.8 84.3 51.5 58.8 58.5 41.8 26.9 23.4 22.5 18.1
Gross Profit 1,151.1 1,227.6 1,220.0 1,422.7 1,175.4 837.7 1,261.3 1,045.0 957.6 898.0 878.5 757.5 158.7 (52.9) 605.7 (1,375.2) (148.7) (898.0) (1,599.3) 1,216.3 1,182.3 1,242.2 1,150.7 967 822.6 563.9 494.0 425.1 348.2 195.7 142.2 108 89.1
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 156.3 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Expenses 231.2 456.3 452.6 469.9 410.6 358.3 412.3 360.8 610.9 414.3 440.7 350.3 332.0 219.5 237.1 204.4 93.5 (223.9) 469.6 403.1 442.0 516.6 619.2 365.7 317.1 211.4 274.6 227.2 0 113.2 0 0 0
Operating Expenses 387.5 456.3 452.6 469.9 410.6 358.3 412.3 360.8 610.9 414.3 440.7 350.3 332.0 219.5 237.1 204.4 93.5 (223.9) 469.6 403.1 442.0 516.6 619.2 365.7 317.1 211.4 274.6 227.2 0 113.2 0 0 0
Operating Income
Operating Income 763.1 771.3 767.5 952.8 764.8 479.4 849.0 684.2 346.7 483.7 437.8 407.2 (173.3) (272.4) 368.5 (1,579.7) (242.3) (674.1) (2,068.9) 813.3 740.3 725.6 531.5 601.3 505.5 352.5 219.5 197.9 348.2 82.6 142.2 108 89.1
Interest Expense 65.6 103.7 89.7 84.5 84.5 71.2 56.3 61.5 62.8 81.1 91.1 90.5 74.6 51.8 61.4 41.8 46.0 53.5 53.1 48.1 43.0 34.7 37.5 28.8 17.8 0 0 0 0 0 0 0 0
Interest Income 62.7 0 0 0 0.1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Profitability
EBITDA 872.4 953.8 946.1 1,113.8 924.8 622.3 978.0 814.8 495.3 635.8 610.6 563.6 (29.0) (167.3) 493.0 (1,498.1) (176.2) (604.4) (1,996.5) 898.4 823.0 792.6 586.3 630.9 525.8 407.1 221.8 256.4 390 109.5 165.6 130.5 107.2
EBIT 828.7 875.0 857.2 1,037.2 849.3 550.6 905.3 745.7 409.5 564.8 528.9 497.6 (98.7) (220.6) 429.9 (1,537.9) (196.3) (620.6) (2,015.8) 861.4 783.4 760.3 569 630.1 523.3 352.5 219.5 197.9 348.2 82.6 142.2 108 89.1
Income Before Tax 763.1 771.3 767.5 952.8 764.8 479.4 849.0 684.2 346.7 483.7 437.8 407.2 (173.3) (272.4) 368.5 (1,579.7) (242.3) (674.1) (2,068.9) 813.3 740.3 725.6 531.5 601.3 505.5 352.5 219.5 197.9 159.1 82.6 68.2 56.3 48.2
Income Tax Expense 165.0 166.8 164.4 209.8 164.2 85.8 176.7 78.2 225.6 175.4 156.3 (852.4) (31.5) (48.3) 66.4 226.2 (94.4) (263.6) (778.6) 231.1 217.5 206.9 145.6 174.1 145.1 103.5 71.3 55.7 43.4 20.4 17.4 15.2 14.1
Net Income 582.8 604.4 603.1 742.9 600.7 393.6 672.3 606.0 121.1 308.3 286.9 959.5 (197.0) (451.5) 302.1 (1,805.9) (147.9) (410.6) (1,290.3) 582.2 522.9 518.7 385.9 427.2 360.4 248.9 148.1 142.2 115.7 62.2 50.8 41.1 35.8
Per Share Data
EPS (Basic) 4.18 3.96 3.81 4.42 3.19 2.01 3.22 2.83 0.56 1.46 1.44 5.20 -1.14 -3.41 2.28 -15.74 -1.80 -5.12 -16.22 7.16 6.10 5.55 4.13 4.57 4.03 3.31 1.96 1.94 1.55 1.28 1.05 0.86 0.73
EPS (Diluted) 4.14 3.92 3.77 4.35 3.16 2.00 3.20 2.77 0.55 1.37 1.22 4.10 -1.18 -3.41 2.26 -15.74 -1.80 -5.12 -16.22 7.08 5.91 5.33 3.92 4.27 3.92 3.26 1.92 1.86 1.50 1.27 1.05 0.85 0.73
Shares Outstanding 138 152.5 158.1 167.9 188.4 195.4 208.8 214.3 215.3 211.8 199.9 184.6 173.1 132.5 132.4 114.7 81.9 80.3 79.6 81.3 85.6 93.4 93.4 94.6 89.4 75.2 73.9 47.0 48.8 48.8 48.6 48.1 48.7
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2009 2008 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Current Assets
Cash & Cash Equivalents 24.8 38.8 19.0 56.2 151.1 87.9 92.7 95.4 80.6 52.1 41.6 79.0 30.7 67.2 22.0 60.2 2.4 7.5 9.4 2.4 3.2 0 0 0
Short-Term Investments 5,878.4 5,596.6 5,848.8 5,419.8 6,068.6 6,341.3 5,207.3 4,550.0 3,874.4 3,581.4 1,401.2 1,029.3 459.7 255.1 180.9 210.8 95.8 57.0 24.4 11.0 5.2 0 0 0
Net Receivables 351.2 164.5 149.8 145.5 191.9 194.5 110.6 137.6 81.0 85.0 154.2 90.2 115.4 122.4 48.6 47.2 43.7 40.1 32.7 31.3 0 0 0 0
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 62.2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Current Assets 7,426.2 6,793.5 6,868.3 6,359.2 6,967.4 7,102.3 5,909.3 5,200.6 4,422.5 3,948.0 1,596.9 1,447.3 1,066.0 803.5 545.6 644.7 412.2 309.2 219.3 44.7 8.4 0 0 0
Non-Current Assets
Property, Plant & Equipment 17.2 27.6 63.8 92.1 107.0 113.4 125.7 37.1 38.3 70.7 16.2 18.2 69.3 71.4 0 0 0 0 0 0 0 0 0 0
Goodwill 0 0 0 9.8 9.8 9.8 9.8 14.1 10.9 195.2 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Intangible Assets 19.0 38.2 0 5.5 9.8 13.2 18.4 96.3 102.0 81.1 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Long-Term Investments 188.6 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Assets 471.4 1,804.7 661.8 597.1 745.2 709.3 745.1 835.0 1,097.6 1,156.5 6,003.1 6,204.5 5,865.5 5,570.9 4,847.8 3,793.9 1,860.6 1,467.5 1,294.1 737.4 584.4 499.1 410.2 375.1
Total Non-Current Assets 696.2 1,870.5 725.6 704.5 871.7 845.7 899.0 1,114.1 1,478.4 1,915.2 6,460.2 6,668.8 5,934.8 5,642.3 4,847.8 3,793.9 1,860.6 1,467.5 1,294.1 737.4 584.4 499.1 410.2 375.1
Total Assets 8,122.4 8,664.0 7,593.9 7,063.7 7,839.2 7,948.0 6,808.3 6,314.7 5,900.9 5,863.2 8,057.2 8,116.1 7,000.8 6,445.8 5,393.4 4,438.6 2,272.8 1,776.7 1,513.4 782.1 592.7 499.1 410.2 375.1
Current Liabilities
Account Payables 0 0 0 0 0 0 0 0 0 6.9 0 0 174.7 281.1 0 0 0 0 0 0 0 0 0 0
Short-Term Debt 0 36.1 1,056.9 585.1 124.0 128.6 98.0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Deferred Revenue 159.3 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 1,466.0 98.7 130.6 152.1 228.1 278.6 291.8 321.2 288.4 158.0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Current Liabilities 1,735.8 158.1 1,187.5 737.1 352.1 407.1 389.8 321.2 288.4 164.9 0 0 174.7 281.1 0 0 0 0 0 0 0 0 0 0
Non-Current Liabilities
Long-Term Debt 1,109.1 2,271.0 480.3 984.3 1,436.4 1,453.6 924.0 1,112.9 1,027.1 1,069.5 698.2 857.8 717.6 717.4 544.1 324.1 0 0 0 0 0 0 0 0
Deferred Tax Liabilities 942.2 746.7 589.6 391.1 337.5 213.9 71.1 0 0 0 0 0 848.2 688.3 570.3 432.1 291.3 206.2 166.3 6.5 5.3 0 0 0
Other Non-Current Liabilities (468.4) 812.4 874.1 1,031.9 1,454.3 1,589.1 1,374.7 1,217.9 1,495.5 1,756.5 5,353.9 5,227.6 1,571.2 1,533.2 1,525.6 1,376.1 619.3 513.3 414.9 305.7 231.1 160.5 130.5 122.2
Total Non-Current Liabilities 1,605.1 3,882.0 2,008.6 2,407.3 3,228.3 3,256.6 2,369.8 2,504.7 2,612.4 2,826.0 6,052.2 6,085.4 3,137.0 2,938.9 2,640 2,132.3 910.6 719.5 581.2 312.2 236.4 160.5 130.5 122.2
Total Liabilities 3,340.9 4,040.1 3,196.1 3,144.4 3,580.4 3,663.7 2,759.6 2,825.9 2,900.8 2,990.9 6,052.2 6,085.4 3,311.7 3,220 2,640 2,132.3 910.6 719.5 581.2 312.2 236.4 160.5 130.5 122.2
Stockholders' Equity
Common Stock 0.2 0.2 0.2 0.2 0.2 0.2 0.2 0.2 0.2 0.2 0.1 0.1 0.1 0.1 0.1 0.1 0.0 0.0 0.0 0.0 0.0 0 0 0
Retained Earnings 5,132.1 4,695.3 4,243.8 3,787.0 3,180.9 2,684.6 2,389.8 1,719.5 1,116.3 997.9 1,602.1 1,766.9 2,397.6 1,886.5 1,508.1 1,093.6 789.8 548.7 407.4 246.2 177.2 131.8 86.5 50.9
Accumulated Other Comprehensive Income (222.2) (350.2) (330.9) (456.8) 120.1 263.7 110.5 (60.9) 23.1 (12.4) (71.0) (199.0) 14.4 140.1 58.4 10.4 25.3 (15.9) 17.5 3.9 2.7 0 0 0
Total Stockholders' Equity 4,781.5 4,623.9 4,397.8 3,919.3 4,258.8 4,284.4 4,048.7 3,488.7 3,000.0 2,872.3 2,005.0 2,030.7 3,689.1 3,225.8 2,753.4 2,306.3 1,362.2 1,057.3 932.2 469.9 356.3 338.6 279.7 252.9
Total Liabilities & Equity 8,122.4 8,664.0 7,593.9 7,063.7 7,839.2 7,948.0 6,808.3 6,314.7 5,900.9 5,863.2 8,057.2 8,116.1 7,000.8 6,445.8 5,393.4 4,438.6 2,272.8 1,776.7 1,513.4 782.1 592.7 499.1 410.2 375.1
Debt Metrics
Total Debt 1,131.2 2,344.6 1,582.0 1,569.3 1,560.5 1,582.2 1,022.0 1,112.9 1,027.1 1,069.5 698.2 857.8 717.6 717.4 544.1 324.1 0 0 0 0 0 0 0 0
Net Debt 1,106.4 2,305.8 1,563.0 1,513.1 1,409.3 1,494.2 929.3 1,017.5 946.5 1,017.4 656.6 778.8 686.9 650.2 522.1 263.9 (2.4) (7.5) (9.4) (2.4) (3.2) 0 0 0
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Operating Activities
Net Income 582.8 0 603.1 742.9 600.7 393.6 672.3 606.0 121.1 308.3 522.9 518.7 385.9 427.2 360.4 248.9 148.1 142.2 75 62.2 50.8 41.1 34.1
Depreciation & Amortization 0 0 79.1 76.6 75.5 71.7 0 69.1 85.8 71.0 34.0 28.0 17.3 0.8 2.5 54.6 58.8 58.5 31.3 26.9 23.4 22.5 18.1
Stock-Based Compensation 0 0 41.1 38.1 28.4 19.2 21.4 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Change in Working Capital (83.8) (244.3) (286.1) (715.4) (265.2) 151.3 (183.6) (160.4) (245.1) (212.8) 392.0 75.4 439.6 209.8 98.2 (119.5) (146.9) (128.6) (88.8) (61.5) (32.9) (20.7) (25.2)
Other Non-Cash Items (158.2) (419.2) (72.8) 39.2 (44.0) (79.5) 27.2 42.5 232.2 44.3 (525.7) (430.0) (382.5) (189.1) (120.7) 33.0 143.8 68.1 130.0 57.2 17.1 5.4 12.5
Operating Cash Flow 340.8 (663.6) 529.4 388.3 557.1 658.4 694.4 677.8 360.6 381.7 570.4 416.7 535.0 586.8 481.1 280.0 261.7 190.1 148.1 84.5 59.1 48.6 39.5
Investing Activities
Capital Expenditure (4.2) (3.2) (16.3) (17.7) (12.6) (17.0) (27.6) (26.0) (28.7) (35.5) (8.3) (15.9) (34.6) (41.6) (8.5) (9.4) (12.5) (6.5) (15.2) 0 0 0 0
Acquisitions 0 0 0 0 0 16.5 0 (8.0) (0.7) (0.1) 38.6 0 0 0 (6.8) 0 0 0 0 0 0 0 0
Purchases of Investments 0 0 (1,193.3) (1,439.6) (2,085.8) (2,525.8) (1,971.1) (2,052.6) (2,161.4) (1,991.5) (1,227.8) (1,865.1) (203.0) (2,725.3) (1,729.4) (885.8) (440.3) (458.4) (227.2) (98.9) (83.9) (101.4) (125.8)
Sales/Maturities of Investments 0 0 908.7 1,459.0 2,090.4 1,733.6 1,697.4 1,394.5 1,988.4 1,848.6 1,096.3 1,531.2 131.6 1,992.3 1,208.3 592.7 179.0 69.7 100.9 22.3 27.8 56.9 67.5
Other Investing Activities 231.8 327.7 (0.0) (6.9) 6.1 (90.5) (0.7) 2.6 0.9 2.5 (38.8) 79.4 (559.8) 1.7 23.3 2.6 0.0 196.7 (11.2) (4.2) (1.1) (2.8) 29.5
Investing Cash Flow 231.8 327.7 (300.8) (5.2) (1.9) (883.2) (302.0) (689.4) (201.5) (176.1) (140.0) (263.0) (665.7) (772.9) (513.1) (299.9) (273.8) (192.0) (143.8) (80.9) (57.2) (47.3) (28.8)
Financing Activities
Net Debt Issuance (72.2) 734.1 13.3 55.9 4.2 547.1 (102.3) 73.2 (151.6) (102.0) 27.4 0 171.2 215.9 73.2 0 0 0 0 0 0 0 0
Stock Repurchased (431.9) (225.1) (133.3) (400.2) (399.1) (226.3) (300.2) (50.1) (0.0) (100.2) (533.9) (127.8) (8.6) (87.0) (5.7) (2.2) 0 0 0 0 0 0 0
Dividends Paid (145.6) (152.0) (145.9) (135.4) (103.3) (97.5) (2.1) (2.1) (2.2) (2.1) (6.8) (7.6) (7.5) (9.6) (10.1) (7.8) (6.9) (6.0) (6) (5.6) (5.5) (5.5) (5.6)
Other Financing Activities 80.2 (0.8) (0.9) (0.8) 1.4 (2.3) (1.0) 0 21.6 0.3 37.6 13.1 (2.4) 0 (7.4) 0 0 0 0 0 0 0 0
Financing Cash Flow (568.4) 357.2 (265.1) (479.2) (496.8) 222.6 (403.1) 22.4 (125.1) (203.3) (452.7) (100.4) 175.9 147.9 89.7 14.8 10.3 4.5 (1.8) (4.1) (2.2) (5) (5.3)
Cash Position
Net Change in Cash 4.1 21.4 (36.5) (96.1) 58.5 (2.1) (10.7) 10.8 34.4 1.9 (22.8) (36.5) 45.2 (38.2) 57.7 (5.1) (1.9) 2.6 2.4 (0.5) (2.2) (5) (5.3)
Cash at Beginning 5.8 20.1 56.6 152.6 94.1 96.3 107.0 96.2 61.8 59.9 30.7 67.2 22.0 60.2 2.4 7.5 9.4 2.4 4.4 3.6 3.9 7.6 2.3
Cash at End 9.9 41.5 20.1 56.6 152.6 94.1 96.3 107.0 96.2 61.8 7.8 30.7 67.2 22.0 60.2 2.4 7.5 9.4 6.8 3.2 1.7 2.6 (3)
Free Cash Flow 336.6 (666.7) 513.2 370.6 544.5 641.4 666.8 651.8 331.9 346.2 562.1 400.8 500.4 545.2 472.6 270.6 249.2 183.6 132.9 84.5 59.1 48.6 39.5
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Income Statement
Revenue 1,247.2 1,290.7 1,240.6 1,190.7 1,329.0 1,439.9 1,527.0 1,273.0 1,221.6 1,238.5 1,193.3 1,072.7 749.9 902.7 1,947.8 417.5 1,313.4 1,808.0 201.1 1,327.9 1,298.2 1,364 1,279.2 1,067.8 906.9 615.4 552.8 483.6 390 222.6 165.6 130.5 107.2
Gross Profit 1,151.1 1,227.6 1,220.0 1,422.7 1,175.4 837.7 1,261.3 1,045.0 957.6 898.0 878.5 757.5 158.7 (52.9) 605.7 (1,375.2) (148.7) (898.0) (1,599.3) 1,216.3 1,182.3 1,242.2 1,150.7 967 822.6 563.9 494.0 425.1 348.2 195.7 142.2 108 89.1
Operating Income 763.1 771.3 767.5 952.8 764.8 479.4 849.0 684.2 346.7 483.7 437.8 407.2 (173.3) (272.4) 368.5 (1,579.7) (242.3) (674.1) (2,068.9) 813.3 740.3 725.6 531.5 601.3 505.5 352.5 219.5 197.9 348.2 82.6 142.2 108 89.1
Net Income 582.8 604.4 603.1 742.9 600.7 393.6 672.3 606.0 121.1 308.3 286.9 959.5 (197.0) (451.5) 302.1 (1,805.9) (147.9) (410.6) (1,290.3) 582.2 522.9 518.7 385.9 427.2 360.4 248.9 148.1 142.2 115.7 62.2 50.8 41.1 35.8
EPS (Diluted) 4.14 3.92 3.77 4.35 3.16 2.00 3.20 2.77 0.55 1.37 1.22 4.10 -1.18 -3.41 2.26 -15.74 -1.80 -5.12 -16.22 7.08 5.91 5.33 3.92 4.27 3.92 3.26 1.92 1.86 1.50 1.27 1.05 0.85 0.73
Balance Sheet
Cash & Equivalents 24.8 38.8 19.0 56.2 151.1 87.9 92.7 95.4 80.6 52.1 41.6 79.0 30.7 67.2 22.0 60.2 2.4 7.5 9.4 2.4 3.2 0 0 0
Total Assets 8,122.4 8,664.0 7,593.9 7,063.7 7,839.2 7,948.0 6,808.3 6,314.7 5,900.9 5,863.2 8,057.2 8,116.1 7,000.8 6,445.8 5,393.4 4,438.6 2,272.8 1,776.7 1,513.4 782.1 592.7 499.1 410.2 375.1
Total Debt 1,131.2 2,344.6 1,582.0 1,569.3 1,560.5 1,582.2 1,022.0 1,112.9 1,027.1 1,069.5 698.2 857.8 717.6 717.4 544.1 324.1 0 0 0 0 0 0 0 0
Stockholders' Equity 4,781.5 4,623.9 4,397.8 3,919.3 4,258.8 4,284.4 4,048.7 3,488.7 3,000.0 2,872.3 2,005.0 2,030.7 3,689.1 3,225.8 2,753.4 2,306.3 1,362.2 1,057.3 932.2 469.9 356.3 338.6 279.7 252.9
Cash Flow
Operating Cash Flow 340.8 (663.6) 529.4 388.3 557.1 658.4 694.4 677.8 360.6 381.7 570.4 416.7 535.0 586.8 481.1 280.0 261.7 190.1 148.1 84.5 59.1 48.6 39.5
Capital Expenditure (4.2) (3.2) (16.3) (17.7) (12.6) (17.0) (27.6) (26.0) (28.7) (35.5) (8.3) (15.9) (34.6) (41.6) (8.5) (9.4) (12.5) (6.5) (15.2) 0 0 0 0
Free Cash Flow 336.6 (666.7) 513.2 370.6 544.5 641.4 666.8 651.8 331.9 346.2 562.1 400.8 500.4 545.2 472.6 270.6 249.2 183.6 132.9 84.5 59.1 48.6 39.5