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Upturn AI SWOT - About
RDN 
Radian Group Inc (RDN)
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Upturn Advisory Summary
07/07/2025: RDN (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
6 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $36.33
1 Year Target Price $36.33
| 1 | Strong Buy |
| 2 | Buy |
| 2 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -10.4% | Avg. Invested days 33 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 07/07/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.94B USD | Price to earnings Ratio 9.11 | 1Y Target Price 36.33 |
Price to earnings Ratio 9.11 | 1Y Target Price 36.33 | ||
Volume (30-day avg) 6 | Beta 0.7 | 52 Weeks Range 29.10 - 36.99 | Updated Date 07/7/2025 |
52 Weeks Range 29.10 - 36.99 | Updated Date 07/7/2025 | ||
Dividends yield (FY) 2.83% | Basic EPS (TTM) 3.92 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 46.29% | Operating Margin (TTM) 66.31% |
Management Effectiveness
Return on Assets (TTM) 6.73% | Return on Equity (TTM) 13.22% |
Valuation
Trailing PE 9.11 | Forward PE 9.23 | Enterprise Value 7303737763 | Price to Sales(TTM) 3.84 |
Enterprise Value 7303737763 | Price to Sales(TTM) 3.84 | ||
Enterprise Value to Revenue 5.67 | Enterprise Value to EBITDA - | Shares Outstanding 134334000 | Shares Floating 132570317 |
Shares Outstanding 134334000 | Shares Floating 132570317 | ||
Percent Insiders 1.33 | Percent Institutions 101.54 |
Upturn AI SWOT
Radian Group Inc
Company Overview
History and Background
Radian Group Inc. was founded in 1992. Initially focusing on mortgage insurance, it expanded its services to encompass financial guaranty and other related businesses. Over time, Radian has adapted to market changes and regulatory requirements, solidifying its position in the mortgage and real estate finance industries.
Core Business Areas
- Mortgage Insurance: Provides mortgage insurance products, primarily insuring residential first mortgages for borrowers who make a down payment of less than 20%. This allows lenders to offer mortgages to a broader range of borrowers.
- Radian Asset Management: Manages a portfolio of insured risks related to municipal and other infrastructure bonds.
Leadership and Structure
Radian Group Inc. is led by a board of directors and a management team headed by the Chief Executive Officer. The organizational structure includes various departments responsible for different business functions, such as underwriting, finance, and risk management.
Top Products and Market Share
Key Offerings
- Primary Mortgage Insurance: Offers primary mortgage insurance for residential first mortgages. Competitors include MGIC Investment Corporation (MTG), NMI Holdings (NMIH), and Essent Group (ESNT). Radian's market share fluctuates but is consistently within the top tier of private mortgage insurers.
Market Dynamics
Industry Overview
The mortgage insurance industry is influenced by factors such as interest rates, housing prices, and unemployment rates. Increased home buying activity and favorable economic conditions generally benefit the industry. The industry is regulated by state and federal agencies.
Positioning
Radian Group Inc. holds a significant position in the mortgage insurance industry. Its competitive advantages include a strong underwriting track record, established relationships with lenders, and a diversified business model.
Total Addressable Market (TAM)
The TAM is estimated in the hundreds of billions of dollars annually. Radian's position is to capture a significant portion of this market through its mortgage insurance products and services.
Upturn SWOT Analysis
Strengths
- Strong underwriting expertise
- Established relationships with lenders
- Diversified business model
- Solid capital position
- Experienced management team
Weaknesses
- Sensitivity to economic cycles
- Dependence on housing market conditions
- Exposure to credit risk
- Potential for increased competition
- Regulatory risks
Opportunities
- Expansion into new geographic markets
- Development of new mortgage insurance products
- Strategic acquisitions
- Growth in the first-time homebuyer market
- Technological innovation in underwriting and risk management
Threats
- Economic downturns
- Rising interest rates
- Increased competition from other mortgage insurers
- Changes in government regulations
- Housing market slowdown
Competitors and Market Share
Key Competitors
- MTG
- NMIH
- ESNT
Competitive Landscape
Radian Group Inc. faces competition from other mortgage insurers, banks, and non-bank lenders. Its competitive advantages include a strong underwriting track record, established relationships with lenders, and a diversified business model. However, it is also subject to the same risks and challenges as its competitors, such as economic downturns and changes in government regulations.
Growth Trajectory and Initiatives
Historical Growth: Past growth trends can be assessed by analyzing historical revenue, earnings, and market share data.
Future Projections: Future growth projections are dependent on analyst estimates and company guidance. Data would be structured as an array [2024, 2025, 2026].
Recent Initiatives: Recent initiatives need to be evaluated based on Radian Group Inc.'s press releases, investor presentations, and SEC filings.
Summary
Radian Group Inc. is a significant player in the mortgage insurance industry, benefiting from its underwriting expertise and established lender relationships. The company's performance is closely tied to the housing market and overall economic conditions, presenting both opportunities and risks. Strategic initiatives and technological advancements will be crucial for maintaining a competitive edge. The company should continue monitoring market conditions and regulatory changes.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports
- Industry Publications
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Investment decisions should be made based on independent research and consultation with a qualified financial advisor. Market share data is approximate and may vary based on the source.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Radian Group Inc
Exchange NYSE | Headquaters Wayne, PA, United States | ||
IPO Launch date 1992-10-30 | CEO & Director Mr. Richard Gerald Thornberry CPA | ||
Sector Financial Services | Industry Insurance - Specialty | Full time employees 1000 | Website https://www.radian.com |
Full time employees 1000 | Website https://www.radian.com | ||
Radian Group Inc., together with its subsidiaries, engages in the mortgage and real estate services business in the United States. The company aggregates, manages, and distributes U.S. mortgage credit risk for mortgage lending institutions and mortgage credit investors, through private mortgage insurance on residential first-lien mortgage loans; and other credit risk management solutions, including contract underwriting. It offers title services, including a suite of insurance and non-insurance titles; tax and title data, centralized recording, document retrieval, and default curative title services; deed and property reports; mortgage underwriting and processing; escrow; appraisal management; and real estate brokerage. In addition, the company provides real estate valuation products and services; asset management services for managing real estate owned properties; and a suite of real estate technology products and services, such as proprietary platforms as a service solution. It serves mortgage originators, such as mortgage bankers, commercial banks, savings institutions, credit unions, and community banks; and consumers, mortgage lenders, mortgage investors, and government-sponsored enterprises. 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.
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