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Upturn AI SWOT - About
RDN 
Radian Group Inc (RDN)
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Upturn Advisory Summary
09/02/2025: RDN (1-star) is currently NOT-A-BUY. Pass it for now.
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 $37
1 Year Target Price $37
| 1 | Strong Buy |
| 2 | Buy |
| 2 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -18.19% | Avg. Invested days 35 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/02/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.70B USD | Price to earnings Ratio 8.76 | 1Y Target Price 37 |
Price to earnings Ratio 8.76 | 1Y Target Price 37 | ||
Volume (30-day avg) 6 | Beta 0.73 | 52 Weeks Range 28.89 - 36.72 | Updated Date 09/2/2025 |
52 Weeks Range 28.89 - 36.72 | Updated Date 09/2/2025 | ||
Dividends yield (FY) 2.87% | 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 45.62% | Operating Margin (TTM) 63.17% |
Management Effectiveness
Return on Assets (TTM) 6.18% | Return on Equity (TTM) 13.07% |
Valuation
Trailing PE 8.76 | Forward PE 8.06 | Enterprise Value 7882328962 | Price to Sales(TTM) 3.65 |
Enterprise Value 7882328962 | Price to Sales(TTM) 3.65 | ||
Enterprise Value to Revenue 6.13 | Enterprise Value to EBITDA - | Shares Outstanding 135450000 | Shares Floating 133735643 |
Shares Outstanding 135450000 | Shares Floating 133735643 | ||
Percent Insiders 1.29 | Percent Institutions 96.53 |
Upturn AI SWOT
Radian Group Inc
Company Overview
History and Background
Radian Group Inc. was founded in 1992. Originally focused on mortgage insurance, it has evolved into a diversified financial services company offering a range of credit risk management solutions and real estate services.
Core Business Areas
- Mortgage Insurance: Provides mortgage insurance to lenders, covering losses on defaulted mortgage loans. This is their core business.
- Services: This includes services related to real estate and mortgage transactions
Leadership and Structure
Radian's leadership team includes the CEO, CFO, and other key executives. The organizational structure consists of various departments and divisions, reporting to the executive leadership team. Radian has a Board of Directors which oversees the business operations and provides guidance to the executive team.
Top Products and Market Share
Key Offerings
- Primary Mortgage Insurance: Offers insurance to lenders to cover losses on defaulted loans. Radian's market share in primary mortgage insurance fluctuates with market conditions and competitor activity. Competitors include MGIC, NMI Holdings, and Essent Group. Specific revenue from this product is not publicly broken out.
Market Dynamics
Industry Overview
The mortgage insurance industry is influenced by factors like interest rates, housing prices, unemployment rates, and government regulations. Demand for mortgage insurance rises when lending standards tighten and homeownership increases.
Positioning
Radian is a major player in the mortgage insurance industry, competing with other publicly traded and private mortgage insurers. Its competitive advantages include its size, financial strength, and established relationships with lenders.
Total Addressable Market (TAM)
The TAM for mortgage insurance is dependent on overall mortgage origination volume, estimated to be hundreds of billions annually. Radian's positioning depends on its ability to secure market share through competitive pricing and lender relationships.
Upturn SWOT Analysis
Strengths
- Strong capital base
- Established relationships with lenders
- Experienced management team
- Diversified business model (beyond just mortgage insurance)
Weaknesses
- Exposure to housing market cycles
- Reliance on the mortgage insurance market
- Competition from other mortgage insurers
- Sensitivity to interest rate fluctuations
Opportunities
- Expanding into new geographic markets
- Developing new products and services
- Acquiring smaller competitors
- Benefiting from increased homeownership rates
Threats
- Economic downturns impacting housing market
- Increased competition from other mortgage insurers
- Changes in government regulations
- Rising interest rates reducing mortgage demand
Competitors and Market Share
Key Competitors
- MTG
- ESNT
- NMIH
Competitive Landscape
Radian's competitive advantages include its size, brand recognition, and relationships with lenders. Its disadvantages may include its reliance on the mortgage insurance market and exposure to housing market cycles.
Major Acquisitions
Clayton Services LLC
- Year: 2014
- Acquisition Price (USD millions): 313
- Strategic Rationale: Expanded Radian's footprint in mortgage and real estate services.
Growth Trajectory and Initiatives
Historical Growth: Radian's historical growth is tied to the mortgage insurance market and economic cycles. Revenue and earnings growth have varied over the years.
Future Projections: Analyst estimates project future growth for Radian based on expectations for the housing market, interest rates, and government policies. These projections are subject to change.
Recent Initiatives: Recent strategic initiatives may include expanding into new business lines, acquiring complementary businesses, and implementing cost-cutting measures.
Summary
Radian Group is a major player in the mortgage insurance industry, benefiting from its strong capital base and established relationships with lenders. Its performance is closely tied to the housing market and interest rate environment, making it susceptible to economic downturns. While Radian has diversified its business, it remains heavily reliant on mortgage insurance. Radian needs to carefully manage the external threats and economic cycles.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Radian Group Inc. Investor Relations
- SEC Filings
- Industry Reports
- Analyst Estimates
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual circumstances and consultation with a qualified financial advisor. Market share estimates are approximate and may vary based on source and methodology.
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 | Executive VP & Chief of Staff to the CEO Ms. Emily S. Riley | ||
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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