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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.03
RDN's Cash to Debt is ranked higher than
54% of the 119 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 2.12 vs. RDN: 0.03 )
RDN' s 10-Year Cash to Debt Range
Min: 0.01   Max: No Debt
Current: 0.03

Equity to Asset 0.29
RDN's Equity to Asset is ranked higher than
75% of the 121 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 0.24 vs. RDN: 0.29 )
RDN' s 10-Year Equity to Asset Range
Min: 0.11   Max: 0.69
Current: 0.29

0.11
0.69
F-Score: 3
Z-Score: 1.00
WACC vs ROIC
21.73%
75.14%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 2/10

vs
industry
vs
history
Operating margin (%) 44.80
RDN's Operating margin (%) is ranked higher than
95% of the 120 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 10.59 vs. RDN: 44.80 )
RDN' s 10-Year Operating margin (%) Range
Min: -821.87   Max: 45.52
Current: 44.8

-821.87
45.52
Net-margin (%) 44.63
RDN's Net-margin (%) is ranked higher than
97% of the 120 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 7.57 vs. RDN: 44.63 )
RDN' s 10-Year Net-margin (%) Range
Min: -641.78   Max: 43.84
Current: 44.63

-641.78
43.84
ROE (%) 45.71
RDN's ROE (%) is ranked higher than
99% of the 120 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 10.43 vs. RDN: 45.71 )
RDN' s 10-Year ROE (%) Range
Min: -126.07   Max: 29.59
Current: 45.71

-126.07
29.59
ROA (%) 9.85
RDN's ROA (%) is ranked higher than
99% of the 120 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 2.11 vs. RDN: 9.85 )
RDN' s 10-Year ROA (%) Range
Min: -23.04   Max: 16.83
Current: 9.85

-23.04
16.83
ROC (Joel Greenblatt) (%) 3873.56
RDN's ROC (Joel Greenblatt) (%) is ranked higher than
94% of the 84 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 187.14 vs. RDN: 3873.56 )
RDN' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -10912.33   Max: 3061.72
Current: 3873.56

-10912.33
3061.72
Revenue Growth (3Y)(%) 7.80
RDN's Revenue Growth (3Y)(%) is ranked higher than
78% of the 104 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 7.20 vs. RDN: 7.80 )
RDN' s 10-Year Revenue Growth (3Y)(%) Range
Min: -43.4   Max: 23.3
Current: 7.8

-43.4
23.3
EBITDA Growth (3Y)(%) -71.30
RDN's EBITDA Growth (3Y)(%) is ranked higher than
62% of the 91 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 6.80 vs. RDN: -71.30 )
RDN' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 29.3
Current: -71.3

0
29.3
EPS Growth (3Y)(%) -57.80
RDN's EPS Growth (3Y)(%) is ranked higher than
60% of the 86 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 6.20 vs. RDN: -57.80 )
RDN' s 10-Year EPS Growth (3Y)(%) Range
Min: -57.8   Max: 30.7
Current: -57.8

-57.8
30.7
» RDN's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2014

RDN Guru Trades in Q1 2014

Louis Moore Bacon 358,564 sh (New)
Lee Ainslie 11,206,584 sh (+27.44%)
Steven Cohen 1,619,126 sh (+4.35%)
Westport Asset Management 457,989 sh (unchged)
George Soros 781,200 sh (unchged)
Caxton Associates Sold Out
John Paulson 11,386,500 sh (-0.06%)
Jim Simons 766,400 sh (-5.92%)
Chuck Royce 903,400 sh (-11.03%)
George Soros 773,200 sh (-54.48%)
» More
Q2 2014

RDN Guru Trades in Q2 2014

Caxton Associates 870,000 sh (New)
Paul Tudor Jones 15,500 sh (New)
Ken Heebner 220,000 sh (New)
Louis Moore Bacon 1,050,000 sh (+192.83%)
George Soros 1,182,143 sh (+52.89%)
Chuck Royce 1,048,400 sh (+16.05%)
Lee Ainslie 12,821,886 sh (+14.41%)
Westport Asset Management 507,989 sh (+10.92%)
John Paulson 11,386,500 sh (unchged)
Louis Moore Bacon 120,000 sh (unchged)
Steven Cohen 1,006,629 sh (unchged)
Jim Simons 305,600 sh (-60.13%)
» More
Q3 2014

RDN Guru Trades in Q3 2014

Louis Moore Bacon 1,500,000 sh (+42.86%)
Lee Ainslie 16,640,321 sh (+29.78%)
Chuck Royce 1,209,400 sh (+15.36%)
Steven Cohen 1,037,000 sh (+3.02%)
Paul Tudor Jones 15,500 sh (unchged)
John Paulson 11,386,500 sh (unchged)
George Soros 1,182,143 sh (unchged)
Westport Asset Management 507,989 sh (unchged)
Jim Simons Sold Out
Ken Heebner Sold Out
Caxton Associates Sold Out
» More
Q4 2014

RDN Guru Trades in Q4 2014

Jim Simons 1,715,800 sh (New)
Westport Asset Management 657,989 sh (+29.53%)
Paul Tudor Jones 15,500 sh (unchged)
George Soros 1,182,143 sh (unchged)
Chuck Royce 1,195,900 sh (-1.12%)
John Paulson 11,043,000 sh (-3.02%)
Lee Ainslie 14,927,246 sh (-10.29%)
Steven Cohen 714,900 sh (-31.06%)
Louis Moore Bacon 543,750 sh (-63.75%)
» More
» Details

Insider Trades

Latest Guru Trades with RDN

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Lee Ainslie 2014-12-31 Reduce -10.29%0.36%$14.17 - $17.49 $ 16.02-1%14927246
Lee Ainslie 2014-09-30 Add 29.78%0.8%$12.45 - $14.89 $ 16.0215%16640321
Ken Heebner 2014-09-30 Sold Out 0.09%$12.45 - $14.89 $ 16.0215%0
Lee Ainslie 2014-06-30 Add 14.41%0.34%$13.59 - $15.45 $ 16.0210%12821886
Ken Heebner 2014-06-30 New Buy0.09%$13.59 - $15.45 $ 16.0210%220000
George Soros 2014-06-30 Add 52.89%0.04%$13.59 - $15.45 $ 16.0210%1182143
Lee Ainslie 2014-03-31 Add 27.44%0.52%$13.82 - $16.07 $ 16.025%11206584
George Soros 2014-03-31 Reduce -54.48%0.11%$13.82 - $16.07 $ 16.025%773200
Lee Ainslie 2013-12-31 Add 150.55%0.96%$12.71 - $14.96 $ 16.0214%8793417
Lee Ainslie 2013-09-30 New Buy0.66%$11.56 - $14.59 $ 16.0220%3509614
George Soros 2013-09-30 New Buy0.25%$11.56 - $14.59 $ 16.0220%1652980
John Keeley 2013-09-30 Sold Out 0.02%$11.56 - $14.59 $ 16.0220%0
George Soros 2013-06-30 Sold Out 0.35%$9.85 - $13.99 $ 16.0232%0
Lee Ainslie 2013-06-30 Sold Out 0.14%$9.85 - $13.99 $ 16.0232%0
John Keeley 2013-06-30 Reduce -56.25%0.02%$9.85 - $13.99 $ 16.0232%70000
John Paulson 2013-03-31 Add 227.22%0.49%$6.04 - $10.71 $ 16.02103%11550000
George Soros 2013-03-31 New Buy0.35%$6.04 - $10.71 $ 16.02103%2794451
Lee Ainslie 2013-03-31 New Buy0.14%$6.04 - $10.71 $ 16.02103%1000000
John Keeley 2013-03-31 New Buy0.03%$6.04 - $10.71 $ 16.02103%160000
John Paulson 2012-12-31 New Buy0.13%$3.91 - $5.77 $ 16.02242%3529700
Ken Heebner 2012-12-31 Sold Out 0.1%$3.91 - $5.77 $ 16.02242%0
Ken Heebner 2012-09-30 New Buy0.1%$2.69 - $4.84 $ 16.02364%900000
Premium More recent guru trades are included for Premium Members only!!
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Guru Investment Theses on Radian Group Inc

Westport Asset Management Comments on Radian Group Inc. - Jan 21, 2014

One new position, Radian Group, Inc. (RDN), was established. One of the largest private mortgage insurance companies, Radian Group, Inc. should benefit from a recovery in the housing industry and from the Federal Housing Administration's gradual pull-back from the mortgage insurance market.

From Westport Asset Management (Trades, Portfolio)'s fourth quarter 2013 commentary.

Check out Westport Asset Management latest stock trades

Ratios

vs
industry
vs
history
P/E(ttm) 6.20
RDN's P/E(ttm) is ranked higher than
98% of the 128 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 11.60 vs. RDN: 6.20 )
RDN' s 10-Year P/E(ttm) Range
Min: 0.91   Max: 21.88
Current: 6.2

0.91
21.88
Forward P/E 9.10
RDN's Forward P/E is ranked higher than
91% of the 128 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 11.51 vs. RDN: 9.10 )
N/A
PE(NRI) 6.30
RDN's PE(NRI) is ranked higher than
98% of the 128 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 11.40 vs. RDN: 6.30 )
RDN' s 10-Year PE(NRI) Range
Min: 0.91   Max: 22.1
Current: 6.3

0.91
22.1
P/B 1.76
RDN's P/B is ranked higher than
69% of the 128 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 1.14 vs. RDN: 1.76 )
RDN' s 10-Year P/B Range
Min: 0.03   Max: 2.91
Current: 1.76

0.03
2.91
P/S 2.74
RDN's P/S is ranked higher than
67% of the 128 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 1.23 vs. RDN: 2.74 )
RDN' s 10-Year P/S Range
Min: 0.08   Max: 4.77
Current: 2.74

0.08
4.77
EV-to-EBIT 4.45
RDN's EV-to-EBIT is ranked higher than
84% of the 128 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 9.03 vs. RDN: 4.45 )
RDN' s 10-Year EV-to-EBIT Range
Min: -11.4   Max: 15
Current: 4.45

-11.4
15
Days Sales Outstanding 26.88
RDN's Days Sales Outstanding is ranked higher than
95% of the 128 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 0.00 vs. RDN: 26.88 )
RDN' s 10-Year Days Sales Outstanding Range
Min: 18.2   Max: 237.41
Current: 26.88

18.2
237.41

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.06
RDN's Dividend Yield is ranked lower than
94% of the 96 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 3.48 vs. RDN: 0.06 )
RDN' s 10-Year Dividend Yield Range
Min: 0.07   Max: 7.84
Current: 0.06

0.07
7.84
Yield on cost (5-Year) 0.03
RDN's Yield on cost (5-Year) is ranked lower than
91% of the 97 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 4.46 vs. RDN: 0.03 )
RDN' s 10-Year Yield on cost (5-Year) Range
Min: 0.02   Max: 2.68
Current: 0.03

0.02
2.68
Share Buyback Rate -13.20
RDN's Share Buyback Rate is ranked higher than
62% of the 97 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 1.20 vs. RDN: -13.20 )
RDN' s 10-Year Share Buyback Rate Range
Min: 6.7   Max: -18.6
Current: -13.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.12
RDN's Price/Tangible Book is ranked higher than
72% of the 128 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 1.34 vs. RDN: 2.12 )
RDN' s 10-Year Price/Tangible Book Range
Min: 0.05   Max: 3.33
Current: 2.12

0.05
3.33
Price/Median PS Value 1.17
RDN's Price/Median PS Value is ranked higher than
75% of the 128 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 1.18 vs. RDN: 1.17 )
RDN' s 10-Year Price/Median PS Value Range
Min: 0.05   Max: 2.52
Current: 1.17

0.05
2.52
Price/Graham Number 0.72
RDN's Price/Graham Number is ranked higher than
84% of the 128 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 0.82 vs. RDN: 0.72 )
RDN' s 10-Year Price/Graham Number Range
Min: 0.11   Max: 1.85
Current: 0.72

0.11
1.85
Earnings Yield (Greenblatt) 22.50
RDN's Earnings Yield (Greenblatt) is ranked higher than
82% of the 120 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 11.20 vs. RDN: 22.50 )
RDN' s 10-Year Earnings Yield (Greenblatt) Range
Min: 6.7   Max: 3567.4
Current: 22.5

6.7
3567.4
Forward Rate of Return (Yacktman) 43.19
RDN's Forward Rate of Return (Yacktman) is ranked higher than
96% of the 81 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 13.30 vs. RDN: 43.19 )
RDN' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -182.3   Max: 395.5
Current: 43.19

-182.3
395.5

Business Description

Industry: Insurance - Specialty » Insurance - Specialty
Compare:RLI, TRV, MBI, QBIEY, TKOMY » details
Traded in other countries:RAG.Germany, RDN.Mexico,
Radian Group Inc was incorporated as a business corporation under the laws of the State of Delaware in 1991. The Company is a credit enhancement company. The Company has two business segments; mortgage insurance and financial guaranty. Its mortgage insurance segment provides credit-related insurance coverage, mainly through private mortgage insurance and risk management services, to mortgage lending institutions. The Company conducts its business mainly through Radian Guaranty Inc., its main mortgage insurance subsidiary. The Companys financial guaranty segment has provided direct insurance and reinsurance on credit-based risks, and also offered credit protection on various asset classes through financial guaranty policies and credit default swaps. While the Company has discontinued writing new financial guaranty business in 2008, it continues to provide financial guaranty insurance on its existing portfolio consisting mainly of public finance and structured finance insured transactions. In addition, its main financial guaranty subsidiary, Radian Asset Assurance Inc., is a wholly-owned subsidiary of Radian Guaranty, which allows its financial guaranty business to serve as a source of capital support for its mortgage insurance business. Its competitors include Arch U.S. MI, Essent Guaranty Inc., Genworth Financial Inc., Mortgage Guaranty Insurance Corporation, NMI Holdings, Inc. and United Guaranty Corporation. The Company and its insurance subsidiaries are subject to comprehensive regulation mainly designed for the protection of policyholders, rather than for the benefit of investors, by the insurance departments in the various states where its insurance subsidiaries are licensed to transact business.
» More Articles for RDN

Headlines

Articles On GuruFocus.com
Weekly CFO Buys Highlight: iPass Inc, Radian Group Inc, Sonus Networks Inc. Mar 01 2015 
Westport Asset Management Comments on Radian Group Inc. Jan 21 2014 
Westport Select Cap Fund Fourth Quarter Commentary Jan 20 2014 
Westport Funds Third Quarter Letter Nov 05 2013 
4 Cheapest Financial Dividend Stocks from the Top Performing YTD List Jul 10 2013 
Top Stocks of John Paulson’s Real Estate Recovery Fund, Up 27% Jun 18 2013 
3 Financial Dividend Stocks with a Big Short-Selling Army Jun 10 2013 
comment on RDN May 03 2013 
comment on RDN Mar 02 2013 
private mortgage ins Aug 20 2012 

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