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RDN 
Radian Group Inc (RDN)
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Upturn Advisory Summary
12/26/2025: 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 $39.17
1 Year Target Price $39.17
| 1 | Strong Buy |
| 2 | Buy |
| 2 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -20.86% | Avg. Invested days 33 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/26/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.94B USD | Price to earnings Ratio 9.2 | 1Y Target Price 39.17 |
Price to earnings Ratio 9.2 | 1Y Target Price 39.17 | ||
Volume (30-day avg) 6 | Beta 0.83 | 52 Weeks Range 28.68 - 38.56 | Updated Date 12/28/2025 |
52 Weeks Range 28.68 - 38.56 | Updated Date 12/28/2025 | ||
Dividends yield (FY) 2.75% | Basic EPS (TTM) 3.96 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 45.25% | Operating Margin (TTM) 74.17% |
Management Effectiveness
Return on Assets (TTM) 6.32% | Return on Equity (TTM) 12.13% |
Valuation
Trailing PE 9.2 | Forward PE 7.8 | Enterprise Value 6060041309 | Price to Sales(TTM) 3.88 |
Enterprise Value 6060041309 | Price to Sales(TTM) 3.88 | ||
Enterprise Value to Revenue 4.75 | Enterprise Value to EBITDA - | Shares Outstanding 135489059 | Shares Floating 133830673 |
Shares Outstanding 135489059 | Shares Floating 133830673 | ||
Percent Insiders 1.24 | Percent Institutions 95.76 |
Upturn AI SWOT
Radian Group Inc
Company Overview
History and Background
Radian Group Inc. was founded in 1974 as Reliance Group Holdings, Inc. and later rebranded as Radian Group Inc. in 2000. It is a leading provider of private mortgage insurance (PMI) and other financial risk mitigation products and services. The company has evolved to offer a comprehensive suite of solutions for the mortgage and real estate industries.
Core Business Areas
- Mortgage Insurance: Radian's primary business is providing mortgage insurance to lenders. This protects lenders from losses if a borrower defaults on their mortgage loan. Radian offers both primary and pool mortgage insurance.
- Credit Services: This segment includes Radian's appraisal management services, title services, and credit risk management solutions. These services support the entire mortgage lifecycle, from origination to closing and beyond.
- Real Estate Services: Radian offers services aimed at enhancing real estate transactions, including default services and analytics for the real estate and mortgage industries.
Leadership and Structure
Radian Group Inc. is led by a Chief Executive Officer and a Board of Directors. The company is organized into business units that align with its core product and service offerings, with dedicated leadership for each segment.
Top Products and Market Share
Key Offerings
- Primary Mortgage Insurance (PMI): Radian's flagship product, PMI, is essential for lenders to offer mortgages to borrowers with less than a 20% down payment. Competitors include Enact Holdings (NASDAQ: ACT), United Guaranty (a subsidiary of AIG), and Essent Group Ltd. (NYSE: ESNT). Market share data for individual products is not publicly disclosed in detail, but Radian is a significant player in the PMI market.
- Appraisal Management Services: Radian provides technology-enabled appraisal management services to lenders, streamlining the appraisal process. Competitors include Verisk Analytics (NASDAQ: VRSK) and various independent appraisal management companies. Revenue contribution is part of the broader Credit Services segment.
- Title Services: Offering comprehensive title insurance and settlement services to facilitate real estate transactions. Competitors include Fidelity National Financial (NYSE: FNF) and First American Financial Corporation (NYSE: FAF).
Market Dynamics
Industry Overview
Radian operates in the mortgage and real estate services industry, which is heavily influenced by housing market trends, interest rates, and regulatory environments. The demand for mortgage insurance is directly linked to home purchase volumes and refinance activity, particularly for borrowers with lower down payments. The industry is experiencing consolidation and an increasing reliance on technology for efficiency and risk management.
Positioning
Radian is well-positioned as a leading provider of private mortgage insurance and a comprehensive suite of end-to-end mortgage and real estate services. Its competitive advantages include a strong capital position, established relationships with lenders, and a diversified product offering that addresses various points in the mortgage lifecycle. The company's technology investments are also a key differentiator.
Total Addressable Market (TAM)
The TAM for private mortgage insurance is substantial, driven by the ongoing need for home financing and the prevalence of lower down payment loans. While a precise TAM figure fluctuates with market conditions, it is in the tens of billions of dollars annually. Radian holds a significant share of this TAM, alongside its key competitors, and aims to expand its reach through its diversified service offerings.
Upturn SWOT Analysis
Strengths
- Strong market position in private mortgage insurance.
- Diversified business model with credit and real estate services.
- Solid capital position and financial strength.
- Established relationships with a broad base of lenders.
- Investments in technology and data analytics.
Weaknesses
- Sensitivity to interest rate fluctuations and housing market downturns.
- Potential for increased regulatory scrutiny.
- Competition from government-sponsored enterprises (GSEs) in certain scenarios.
- Reliance on a cyclical industry.
Opportunities
- Growth in the first-time homebuyer market.
- Expansion of services into adjacent areas of the mortgage value chain.
- Leveraging technology for enhanced efficiency and new product development.
- Potential for strategic acquisitions to expand capabilities or market reach.
- Increasing demand for risk mitigation solutions.
Threats
- Economic recession leading to increased mortgage defaults.
- Adverse changes in housing policy or mortgage regulations.
- Intensified competition from existing and new market entrants.
- Technological disruption from new fintech solutions.
- Interest rate hikes that could slow mortgage origination.
Competitors and Market Share
Key Competitors
- Enact Holdings (ACT)
- Essent Group Ltd. (ESNT)
- MGIC Investment Corporation (MTG)
- Arch Capital Group Ltd. (ACGL) - through its mortgage insurance subsidiaries
Competitive Landscape
Radian competes in a concentrated market where pricing, capital strength, and service quality are key differentiators. Its advantages lie in its diversified product suite and strong lender relationships, which allow it to offer a more holistic solution compared to single-product providers. However, it faces intense competition from well-established players with significant market presence.
Growth Trajectory and Initiatives
Historical Growth: Radian has experienced growth through organic expansion of its core mortgage insurance business and strategic diversification into credit and real estate services. Its history reflects adaptation to market changes and a focus on expanding its revenue streams beyond traditional PMI.
Future Projections: Future growth projections for Radian are generally positive, driven by the ongoing demand for homeownership and the need for mortgage credit. Analysts often project continued revenue growth and stable profitability, with potential upside from new service offerings and market share gains. Specific analyst consensus figures would require up-to-date research.
Recent Initiatives: Recent initiatives have focused on leveraging technology to enhance operational efficiency, expand its digital offerings for lenders, and develop innovative solutions for the mortgage and real estate ecosystem. This includes investments in data analytics, AI-driven underwriting support, and customer-centric platforms.
Summary
Radian Group Inc. is a well-established leader in the private mortgage insurance sector, complemented by a growing presence in credit and real estate services. Its strengths lie in its diversified business model, strong capital reserves, and extensive lender relationships. While sensitive to housing market cycles and regulatory shifts, Radian is strategically investing in technology and expanding its service offerings to capitalize on opportunities in the evolving mortgage landscape. The company needs to remain vigilant against potential economic downturns and competitive pressures while continuing to innovate.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Investor Relations Websites
- Financial News and Data Providers (e.g., Bloomberg, Refinitiv, FactSet)
- Industry Analysis Reports
Disclaimers:
This information is for informational purposes only and does not constitute financial advice. Market share data and financial figures are estimates and subject to change. Investors should conduct their own due diligence before making any investment decisions.
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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