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Upturn AI SWOT - About
RDN 
Radian Group Inc (RDN)
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Upturn Advisory Summary
10/23/2025: 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 $38.83
1 Year Target Price $38.83
| 1 | Strong Buy |
| 2 | Buy |
| 2 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -22.86% | Avg. Invested days 34 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/23/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.64B USD | Price to earnings Ratio 8.66 | 1Y Target Price 38.83 |
Price to earnings Ratio 8.66 | 1Y Target Price 38.83 | ||
Volume (30-day avg) 6 | Beta 0.73 | 52 Weeks Range 28.89 - 38.84 | Updated Date 10/23/2025 |
52 Weeks Range 28.89 - 38.84 | Updated Date 10/23/2025 | ||
Dividends yield (FY) 2.90% | 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 8.66 | Forward PE 7.37 | Enterprise Value 7927027610 | Price to Sales(TTM) 3.61 |
Enterprise Value 7927027610 | Price to Sales(TTM) 3.61 | ||
Enterprise Value to Revenue 6.17 | Enterprise Value to EBITDA - | Shares Outstanding 135450446 | Shares Floating 133765442 |
Shares Outstanding 135450446 | Shares Floating 133765442 | ||
Percent Insiders 1.27 | Percent Institutions 96.26 |
Upturn AI SWOT
Radian Group Inc
Company Overview
History and Background
Radian Group Inc. was founded in 1992. Initially focused on mortgage insurance, Radian has evolved to offer a broader range of credit risk management and financial services.
Core Business Areas
- Mortgage Insurance: Provides mortgage insurance to lenders, covering losses from borrower defaults. It also offers risk management solutions.
- Services: This includes a range of real estate information and technology products and services, analytics, and other financial services.
Leadership and Structure
Radian Group Inc. is led by a board of directors and executive management team. The CEO is currently Richard G.Tewksbury. The organizational structure is typical of a publicly traded financial services company, with various departments overseeing operations, finance, risk management, and strategy.
Top Products and Market Share
Key Offerings
- Mortgage Insurance: Radian's primary product is mortgage insurance, protecting lenders against losses from borrower defaults. Radian has about 20% market share. Competitors include MGIC, Essent, and NMI Holdings. This insurance facilitates homeownership by mitigating lender risk.
- Credit Risk Transfer: Radian offers credit risk transfer solutions to manage and distribute mortgage credit risk. Its customers are big banks. Market Share: Difficult to measure as varies on deal size, etc. Competitors: Arch Capital, TransRe. This allows lenders and investors to reduce their exposure to mortgage-related losses.
Market Dynamics
Industry Overview
The mortgage insurance industry is influenced by factors such as interest rates, housing prices, and economic conditions. The market is oligopolistic with a few major players.
Positioning
Radian is a leading provider of mortgage insurance and risk management solutions. Its competitive advantages include its established brand, strong financial position, and expertise in credit risk management.
Total Addressable Market (TAM)
The total addressable market (TAM) for mortgage insurance is estimated to be in the tens of billions of dollars annually. Radian's position within this TAM depends on its market share and ability to capture new business. The TAM is heavily influenced by mortgage origination volume and housing market conditions.
Upturn SWOT Analysis
Strengths
- Strong capital position
- Established brand reputation
- Experienced management team
- Diversified product offerings
Weaknesses
- Sensitivity to housing market downturns
- Exposure to credit risk
- Regulatory scrutiny
Opportunities
- Expansion into new markets
- Development of innovative products
- Strategic acquisitions
Threats
- Increased competition
- Economic recession
- Rising interest rates
- Changes in government regulations
Competitors and Market Share
Key Competitors
- MTG
- ESNT
- NMIH
Competitive Landscape
Radian's competitive advantage lies in its brand recognition, risk management expertise, and strong capital position. However, it faces competition from other large mortgage insurers and smaller, niche players. The company must continue to innovate and differentiate itself to maintain its market share.
Major Acquisitions
Clayton Holdings LLC
- Year: 2014
- Acquisition Price (USD millions): 303
- Strategic Rationale: Expanded Radian's service offerings to include due diligence and risk management for mortgage assets.
Growth Trajectory and Initiatives
Historical Growth: Radian's growth has been tied to the housing market cycle, with periods of strong growth followed by periods of slower growth or contraction.
Future Projections: Analysts estimate Radian's revenue will grow in the single digits over the next few years, driven by increased mortgage origination and growth in services.
Recent Initiatives: Recent initiatives include expanding its credit risk transfer business and investing in technology to improve efficiency and customer service.
Summary
Radian Group is a strong player in the mortgage insurance industry, benefiting from its established brand and risk management expertise. However, its performance is closely tied to the housing market, making it vulnerable to economic downturns and interest rate fluctuations. The company is expanding its services and exploring new markets to diversify revenue streams and mitigate risk. Radian needs to monitor competition and regulatory changes closely to sustain its competitive edge.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (SEC)
- Analyst Reports
- Industry Publications
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Investment decisions should be based on individual research and consultation with a qualified financial advisor.
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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