10 Year Financial Data of Radian Group, Inc. (RDN)

12.9 (1y: +346%)

Market Cap	2.23 B	P/E(ttm)
Enterprise Value	3.25 B	P/B	2.40

RDN- NYSE (USA)
Radian Group, Inc.

Currently 1/5

Business Predictability Rank: 1-Star (On Watch)
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
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$12.90

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Annual Rates (per share)	10 yrs*	5 yrs*	12 months*
Revenue Growth (%)	-7	-23.4	-54.9
EBITDA Growth (%)	0	0	-358.2
Free Cash Flow Growth (%)	0	0	0
Book Value Growth (%)	-20.3	-20.3	-16.2

*12-month growth rate is calculated with the per share revenue (EBITDA, FCF, earnings) of the last 12 months over the per share revenue (EBITDA, FCF, earnings) over the previous 12 months. 5-year and 10-year growth rates are calculated with least-square regression based on the 5-year and 10-year numbers.

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See this page for the explanation of the data and charts * All numbers are in millions except for per share data

Per Share Data	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Revenue per Share ($)	14.40	13.93	14.63	16.14	2.53	22.53	16.03	3.64	14.55	6.23	5.15	1.36	1.20	1.95	1.71	0.29
EBITDA per Share	5.97	6.21	6.76	7.80	-19.86	-8.94	-3.12	-13.55	3.22	-2.81	-2.84	-1.24	-0.75	0.20	-1.02	-1.27
Free Cashflow per Share	5.29	2.76	6.33	5.75	3.75	-4.20	0.68	-7.54	-6.73	-3.86	-3.84	-1.17	-1.57	-0.60	-0.52	-1.15
Earnings per Share ($)	4.08	5.33	5.91	7.08	-16.22	-5.12	-1.80	-15.74	2.26	-3.41	-3.43	-1.28	-0.90	0.11	-1.34	-1.30
Dividends Per Share	0.08	0.08	0.08	0.08	0.08	0.05	0.01	0.01	0.01	0.01	0.01	0.00	0.00	0.00	0.00	0.00
Book Value per Share	34.08	37.68	41.27	49.45	34.20	25.30	24.47	7.50	8.83	5.56	6.45	7.70	6.81	6.83	5.56	6.45
Month End Stock Price	48.75	53.24	58.59	53.91	11.68	3.68	7.31	8.07	2.34	6.11	10.71	4.35	3.29	4.34	6.11	10.71
Ratios	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Return on Equity %	12.00	14.10	14.30	14.30	-47.40	-20.20	-7.40	-210	25.60	-61.30	-80.40	-66.40	-52.80	6.40	-96.40	-80.40
Return on Assets %	6.00	7.40	7.20	7.30	-15.70	-5.10	-1.80	-23.70	4.50	-7.60	-11.60	-10.40	-8.00	0.80	-12.00	-11.60
Return on Capital - Joel Greenblatt %	12,831	--	--	--	--	--	--	--	--	--	--	--	--	--	--	--
Debt to Equity	0.22	0.20	0.20	0.18	0.35	0.50	0.35	1.12	0.89	1.05	1.09	0.91	0.86	0.84	1.05	1.09

Operating Margin %	40.20	42.50	43.60	45.50	-796	-40.60	-21.00	-382	18.90	-53.80	-477	-98.80	-73.80	2.90	-69.40	-477
Net Margin %	28.30	38.00	40.30	43.80	-642	-22.70	-11.30	-433	15.50	-54.70	-442	-93.80	-75.40	5.50	-78.40	-442

Debt to Revenue	0.53	0.53	0.58	0.56	4.72	0.56	0.53	2.31	0.54	0.94	23.91	5.16	4.90	2.95	3.42	23.91
Interest Exp. to Revenue %	-2.75	-2.54	-3.32	-3.63	-26.40	-2.96	-3.50	-10.01	-3.15	-6.28	-37.47	-7.84	-7.95	-4.80	-5.57	-37.47

Asset Turnover	0.21	0.20	0.18	0.17	0.02	0.22	0.16	0.06	0.29	0.14	0.01	0.03	0.03	0.04	0.04	0.01
Buyback Ratio	-6.00	-4.40	-7.40	-4.60	2.00	--	--	29.10	--	--	160	--	--	--	--	160
Dividend Payout Ratio	0.02	0.02	0.01	0.01	--	--	--	--	0.00	--	--	--	--	0.03	--	--
Income Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Total Premiums Earned	1,008	1,029	1,019	1,016	1,039	972	826	826	756	739	764	167	187	191	194	193
Net Investment Income	186	204	208	234	256	263	214	179	164	114	106	34.71	30.88	25.64	23.11	26.87
Fees and Other Income	169	130	71.06	77.75	-1,094	573	273	-587	1,028	-27.91	-183	-21.71	-59.46	44.19	9.07	-177
Revenue	1,363	1,364	1,298	1,328	201	1,808	1,313	417	1,948	825	687	180	158	261	226	42.38

Policyholder Benefits & Claims	476	--	--	--	--	2,314	1,399	1,754	1,297	959	825	266	211	176	306	132
Policy Acquisition Expense	129	122	116	112	113	392	267	53.47	52.76	61.88	51.03	28.05	10.81	12.93	10.10	17.20
Earnings Before DDA	565	608	600	641	-1,580	-718	-255	-1,555	432	-372	-391	-164	-99.84	27.45	-135	-183

Depreciation, Depletion and Amortization	17.31	27.96	34.04	37.00	19.33	16.19	20.08	39.79	63.12	72.39	77.49	13.79	16.97	19.85	21.78	18.89

Operating Income	547	580	566	604	-1,599	-734	-276	-1,594	368	-444	-468	-178	-117	7.60	-157	-202
Net Income	386	519	523	582	-1,290	-411	-148	-1,806	302	-451	-470	-169	-119	14.33	-177	-188

Earnings per Share ($)	4.08	5.33	5.91	7.08	-16.22	-5.12	-1.80	-15.74	2.26	-3.41	-3.43	-1.28	-0.90	0.11	-1.34	-1.30
Total Shares Outstanding	94.64	97.91	88.75	82.26	79.56	80.26	81.94	115	134	133	144	132	132	134	133	144
Balance Sheet	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Fixed Maturity Investment	4,444	4,585	4,734	5,060	4,698	4,339	4,255	285	4,332	41.38	38.73	4,276	4,307	4,213	41.38	38.73
Equity Investments	250	335	325	298	255	165	176	184	128	112	123	111	108	113	112	123
Short-term investments	255	460	362	239	697	1,029	1,401	1,537	1,262	4,872	5,331	1,146	706	780	4,872	5,331
Cash and cash equivalents	67.17	30.68	7.85	57.90	201	79.05	77.18	20.33	35.59	31.56	29.33	31.78	32.62	28.16	31.56	29.33
Accounts Receivable	122	115	84.52	68.15	131	90.16	173	116	103	87.52	84.55	150	91.15	142	87.52	84.55
Deferred Policy Acquisition Costs	219	212	208	222	235	161	160	148	140	88.20	74.60	108	99.39	91.27	88.20	74.60
Property, Plant and Equipment	71.44	69.34	52.06	33.94	24.57	18.18	16.20	13.02	11.04	7.46	7.11	10.33	7.34	6.67	7.46	7.11
Total Assets	6,446	7,001	7,231	7,929	8,210	8,116	8,076	7,621	6,657	5,903	6,371	6,449	6,032	6,041	5,903	6,371

Unpaid Loss & Loss Reserve	790	801	801	842	1,599	3,225	3,579	3,597	3,311	3,150	2,919	3,316	3,250	3,120	3,150	2,919
Unearned Premiums	719	770	849	944	1,095	917	824	686	637	649	674	573	588	614	649	674
Current Portion of Long-Term Debt	--	--	--	--	--	--	--	--	--	--	--	--	--	--	--	--
Other liabilities	688	848	962	1,130	1,528	606	560	1,254	130	271	434	206	224	272	271	434
Long-Term Debt	717	718	747	748	948	1,018	698	965	1,047	772	1,014	930	775	769	772	1,014
Total Liabilities	3,220	3,312	3,568	3,861	5,489	6,085	6,071	6,761	5,474	5,167	5,440	5,429	5,131	5,126	5,167	5,440

Common Stock	0.10	0.10	0.10	0.10	0.10	0.10	0.10	0.15	0.15	0.15	0.19	0.15	0.15	0.15	0.15	0.19
Retained Earnings	1,887	2,398	2,914	3,489	2,181	1,767	1,602	-205	96.23	-355	-543	-73.01	-192	-178	-355	-543
Additional Paid-In Capital	1,260	1,282	1,319	1,347	1,332	1,351	1,363	1,963	1,967	1,967	2,342	1,965	1,967	1,967	1,967	2,342
Treasury Stock	-60.50	-176	-688	-931	-889	-888	-889	-892	-892	-892	-892	-892	-892	-892	-892	-892
Total Equity	3,226	3,689	3,663	4,068	2,721	2,031	2,005	860	1,182	736	931	1,019	901	915	736	931
Cashflow Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Net Income	386	519	523	582	-1,290	-411	-148	-1,806	302	-451	-470	-169	-119	14.33	-177	-188
Depreciation, Depletion and Amortization	17.31	27.96	34.04	37.00	19.33	16.19	20.08	39.79	63.12	72.39	77.49	13.79	16.97	19.85	21.78	18.89
Cash Flow from Others	132	-220	13.49	-131	1,573	60.58	188	903	-1,263	-131	-130	1.00	-105	-114	86.80	2.64
Cash Flow from Operations	535	327	570	488	302	-334	60.03	-863	-898	-511	-522	-154	-207	-79.87	-68.73	-166

Investment for Property, Plant & Equipement	-34.56	-57.18	-8.26	-15.41	-3.76	-3.57	-4.30	-2.52	-2.98	-0.91	-0.89	-0.38	-0.07	--	-0.46	-0.36
Cash Flow from Investing	-666	-263	-140	-195	-349	309	83.46	-47.79	1,073	661	-59.38	283	220	85.26	72.46	-437

Net Issuance of Stock	14.58	-92.86	-473	-237	2.46	--	--	526	--	--	300	--	--	--	--	300
Net Issuance of Debt	171	--	27.39	--	--	-100.00	-146	362	-160	-153	281	-132	-11.56	-9.49	--	302
Cash Flow for Dividends	-7.49	-7.58	-6.83	-6.53	-6.43	-3.67	-0.83	-1.20	-1.33	-1.34	-1.34	-0.33	-0.33	-0.34	-0.33	-0.33
Other Financing	-2.35	0.00	0.00	4.78	206	12.80	0.00	0.00	0.00	-0.00	0.05	0.00	-0.00	-0.00	--	0.05
Cash Flow from Financing	176	-100	-453	-238	202	-90.87	-146	887	-161	-155	579	-133	-11.89	-9.83	-0.33	601

Net Change in Cash	45.20	-36.49	-22.83	50.05	143	-122	-1.87	-21.24	15.26	-4.03	-2.45	-3.81	0.83	-4.46	3.39	-2.22

Free Cash Flow	500	270	562	473	298	-337	55.73	-865	-901	-511	-523	-155	-208	-79.87	-69.19	-166
Valuation Ratios (Daily)	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

PE Ratio(ttm)
Price to Tangible Book
Price-to-Free-Cash-Flow ratio
PS Ratio
EV-to-Revenue
EV-to-EBITDA
EV-to-EBIT
Earnings Yield (Joel Greenblatt)
Forward Rate of Return
Shiller PE Ratio
Valuation and Quality	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Market Cap
Enterprise Value
Month End Stock Price
Net Cash (per share)
Net Current Asset Value (per share)
DCF (per share)
Median PS (per share)
Peter Lynch Fair Value (per share)
Graham Number (per share)
Altman Z-Score
Piotroski F-Score

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RDN Quarterly/Annuals Reports

RDN: 10-Q - RADIAN GROUP INC (0000890926) (Filer): (10-Q) - 2012-11-09
RDN: 10-K/A - RADIAN GROUP INC (0000890926) (Filer): (10-K/A) - 2012-11-06
RDN: 10-Q - RADIAN GROUP INC (0000890926) (Filer): (10-Q) - 2012-08-09
RDN: 10-Q - RADIAN GROUP INC (0000890926) (Filer): (10-Q) - 2012-05-10
RDN: 10-K/A - RADIAN GROUP INC (0000890926) (Filer): (10-K/A) - 2012-03-02

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