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Upturn AI Summary - About
Radian Group Inc(RDN)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for RDN
09/25/2026: RDN (1-star) is currently NOT-A-BUY. Pass it for now.
Radian Group Inc is a established player in the private mortgage insurance industry, offering both credit protection and a variety of real estate services. Its core business strength lies in a disciplined underwriting approach and a diversified revenue model that includes title and appraisal services. The primary investment story centers on the company’s ability to generate cash and return capital to shareholders while navigating housing market cycles. However, investors should be mindful of risks related to interest rate volatility, potential economic downturns, and regulatory changes within the mortgage sector. The stock may suit value-oriented and dividend-seeking investors, provided they can tolerate the cyclical nature of the US housing market.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Radian's growth is largely tethered to cyclical housing market activity rather than rapid secular expansion. |
| Momentum investor | Strong fit while signal remains positive | Strong price trends during housing market upturns can make RDN an attractive momentum play. |
| Value investor | Strong fit | Radian often trades at modest P/E multiples relative to its earnings power and book value. |
| Dividend investor | Strong fit | The company provides a reliable dividend yield and has a history of returning excess capital to shareholders. |
| Low-risk investor | Weak fit | The stock is sensitive to housing market cycles and macroeconomic volatility, which can lead to share price swings. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | The stock price is highly reactive to changes in mortgage interest rates and housing market health. |
| Valuation risk | Low | The company historically trades at reasonable valuation multiples. |
| Competition risk (Mortgage insurance) | Medium | Competition from other private mortgage insurers keeps pricing pressure on premiums. |
| Business quality | Medium | While the franchise is stable, it remains subject to systemic economic risks. |
| Dividend income | Low | The dividend is generally considered stable, though subject to earnings fluctuations. |
| Execution risk | Medium | Successfully integrating and scaling the HomeServices segment requires consistent execution. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -36.44% | Avg. Invested days 32 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/25/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.37B USD | Price to earnings Ratio 8.15 | 1Y Target Price 44.5 |
Price to earnings Ratio 8.15 | 1Y Target Price 44.5 | ||
Volume (30-day avg) 1.1M shares | Beta 0.7 | 52 Weeks Range 30.81 - 40.76 | Updated Date 09/27/2026 |
52 Weeks Range 30.81 - 40.76 | Updated Date 09/27/2026 | ||
Dividends yield (FY) 3.04% | Basic EPS (TTM) 4.05 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Mortgage Insurance | Premiums collected for providing credit protection to mortgage lenders. | This is the primary engine of profit, earned by taking on mortgage default risk. |
| HomeServices | Title insurance, valuation, and closing service fees. | A secondary income stream that benefits from high home purchase and refinancing activity. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 8.15 | Forward PE 6.31 | Enterprise Value 5.69B | Price to Sales(TTM) 2.65 |
Enterprise Value 5.69B | Price to Sales(TTM) 2.65 | ||
Enterprise Value to Revenue 3.46 | Enterprise Value to EBITDA - | Shares Outstanding 132.30M | Shares Floating 129.98M |
Shares Outstanding 132.30M | Shares Floating 129.98M | ||
Percent Insiders 1.67 | Percent Institutions 97.54 |
Upturn AI Summary
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.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About Radian Group Inc
Exchange NYSE | Headquarters Wayne, PA, United States | ||
IPO Launch date 1992-10-30 | CEO & Director Mr. Michael Scott Weinbach | ||
Sector Financial Services | Industry Insurance - Specialty | Full time employees 900 | Website https://www.radian.com |
Full time employees 900 | Website https://www.radian.com | ||
Radian Group Inc., together with its subsidiaries, provides mortgage insurance in the United States. It aggregates, manages, and distributes mortgage credit risk for the benefit of mortgage lending institutions and mortgage credit investors through private mortgage insurance on residential first-lien mortgage loans. The company also offers private mortgage insurance, specialty insurance, and reinsurance lines. It serves mortgage originators, such as mortgage banks, commercial banks, savings institutions, credit unions, and community banks. 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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