Radian Group Inc
$
23.33
0.12 (0.52%)
| Volume: | 1,466,435 | Avg Vol (1m): | 1,355,578 |
| Market Cap $: | 4.85 Bil | Enterprise Value $: | 4.70 Bil |
| P/E (TTM): | 7.66 | P/B: | 1.37 |
| Earnings Power Value | -0.78 |
| Net Current Asset Value | 0 |
| Tangible Book | 16.52 |
| Projected FCF | 19.83 |
| Median P/S Value | 14.99 |
| Graham Number | 33.61 |
| Peter Lynch Value | 25.72 |
| DCF (FCF Based) | 0 |
| DCF (Earnings Based) | 0 |
1Y (-%)
Manual of Stocks™ Web
Financial Strength : 4/10
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.
| Current | vs industry | vs history | |
|---|---|---|---|
| Cash-to-Debt | 0.12 |
Cash-To-Debt ranked
lower than
97.18%
of
71
companies
in the
Insurance - Specialty
industry.
Industry Max: 10000, Med: 5.79, Min: 0.05
RDN:
0.12
Ranked among companies with meaningful Cash-To-Debt only.
|
Cash-To-Debt range over the past 10 years
Min: 0.01, Med: 0.06, Max: 10000
Current: 0.12
|
| Equity-to-Asset | 0.56 |
Equity-to-Asset ranked
higher than
86.11%
of
72
companies
in the
Insurance - Specialty
industry.
Industry Max: 0.91, Med: 0.29, Min: 0.02
RDN:
0.56
Ranked among companies with meaningful Equity-to-Asset only.
|
Equity-to-Asset range over the past 10 years
Min: 0.11, Med: 0.51, Max: 0.69
Current: 0.56
|
| Debt-to-Equity | 0.28 |
Debt-to-Equity ranked
lower than
84.62%
of
39
companies
in the
Insurance - Specialty
industry.
Industry Max: 9.52, Med: 0.21, Min: 0.01
RDN:
0.28
Ranked among companies with meaningful Debt-to-Equity only.
|
Debt-to-Equity range over the past 10 years
Min: 0.12, Med: 0.35, Max: 1.73
Current: 0.28
|
| Debt-to-EBITDA | 1.24 |
Debt-to-EBITDA ranked
lower than
72.22%
of
36
companies
in the
Insurance - Specialty
industry.
Industry Max: 16.17, Med: 1.19, Min: 0.03
RDN:
1.24
Ranked among companies with meaningful Debt-to-EBITDA only.
|
Debt-to-EBITDA range over the past 10 years
Min: -32.07, Med: 1.47, Max: 2.12
Current: 1.24
|
| WACC vs ROIC % |
ROIC 19.79%
WACC 11.39%
| ||
Profitability & Growth : 3/10
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
| Current | vs industry | vs history | |
|---|---|---|---|
| Net Margin % | 49.25 |
Net Margin ranked
higher than
63.89%
of
72
companies
in the
Insurance - Specialty
industry.
Industry Max: 424.16, Med: 7.04, Min: -4366.67
RDN:
49.25
Ranked among companies with meaningful Net Margin only.
|
Net Margin range over the past 10 years
Min: -432.58, Med: 12.71, Max: 89.45
Current: 49.25
|
| ROE % | 19.72 |
ROE ranked
lower than
69.44%
of
72
companies
in the
Insurance - Specialty
industry.
Industry Max: 33.51, Med: 7.61, Min: -68.71
RDN:
19.72
Ranked among companies with meaningful ROE only.
|
ROE range over the past 10 years
Min: -126.07, Med: 7.8, Max: 61.68
Current: 19.72
|
| ROA % | 10.57 |
ROA ranked
higher than
52.78%
of
72
companies
in the
Insurance - Specialty
industry.
Industry Max: 19.63, Med: 2, Min: -44.19
RDN:
10.57
Ranked among companies with meaningful ROA only.
|
ROA range over the past 10 years
Min: -23.04, Med: 3.15, Max: 15.4
Current: 10.57
|
| 3-Year Total Revenue Growth Rate | 2.20 |
3-Year Revenue Growth Rate ranked
higher than
52.54%
of
59
companies
in the
Insurance - Specialty
industry.
Industry Max: 377.7, Med: 6.1, Min: -54.6
RDN:
6.3
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
|
3-Year Revenue Growth Rate range over the past 10 years
Min: -43.4, Med: 7.45, Max: 43.4
Current: 6.3
|
| 3-Year Total EBITDA Growth Rate | 10.10 |
3-Year EBITDA Growth Rate ranked
lower than
63.83%
of
47
companies
in the
Insurance - Specialty
industry.
Industry Max: 171.4, Med: 3.3, Min: -41.6
RDN:
14.6
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
|
3-Year EBITDA Growth Rate range over the past 10 years
Min: 0, Med: 0, Max: 76.3
Current: 14.6
|
| 3-Year EPS w/o NRI Growth Rate | 32.20 |
3-Year EPS w/o NRI Growth Rate ranked
lower than
97.87%
of
47
companies
in the
Insurance - Specialty
industry.
Industry Max: 82.2, Med: 1.5, Min: -100
RDN:
32.2
Ranked among companies with meaningful 3-Year EPS w/o NRI Growth Rate only.
|
3-Year EPS w/o NRI Growth Rate range over the past 10 years
Min: 0, Med: 12.95, Max: 62.2
Current: 32.2
|
» RDN's 30-Y Financials
Financials (Next Earnings Date: 2019-07-26)
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Business Description
| Industry | Insurance - Specialty » Insurance - Specialty   NAICS : 524126   SIC : 6351 |
| Compare | NYSE:MTG NYSE:AGO NYSE:FAF SAU:8210 TSX:MIC JSE:SNT ASX:NHF LSE:LRE XSWX:VAHN NYSE:EIG XKLS:6139 NAS:TRUP XTER:NBG6 NAS:AMBC ADX:AWNIC OSL:PROTCT LSE:RQIH XMAD:MAP NAS:ITIC NAS:TIPT |
| Traded in other countries | RAG.Germany |
| Address | 1500 Market Street, Philadelphia, PA, USA, 19102 |
| Radian provides mortgage insurance and services to the real estate and mortgage finance industries. Radian's mortgage insurance provides coverage to lending institutions throughout the United States. Its services include analytics and consulting for buyers and sellers of, and investors in, mortgage- and real estate-related loans and securities and other asset-backed securities. Insurance premiums account for more than three fourths of the company's revenue. Services revenue and investment income are the other principal sources of revenue. Radian stopped writing new international business in 2008. Its only remaining mortgage exposure outside of the United States is in Hong Kong, where the company continues to wind down its business. | |
Ratios
| Current | vs industry | vs history | |
|---|---|---|---|
| PE Ratio (TTM) | 7.66 |
PE Ratio ranked
lower than
89.83%
of
59
companies
in the
Insurance - Specialty
industry.
Industry Max: 307.5, Med: 13.54, Min: 0.03
RDN:
7.66
Ranked among companies with meaningful PE Ratio only.
|
PE Ratio range over the past 10 years
Min: 0.91, Med: 9.39, Max: 42.94
Current: 7.66
|
| Forward PE Ratio | 8.29 |
Forward P/E ranked
higher than
83.33%
of
24
companies
in the
Insurance - Specialty
industry.
Industry Max: 1666.67, Med: 12.47, Min: 5.34
RDN:
8.29
Ranked among companies with meaningful Forward P/E only.
| N/A |
| PE Ratio without NRI | 7.66 |
PE without NRI ranked
lower than
90.00%
of
60
companies
in the
Insurance - Specialty
industry.
Industry Max: 307.5, Med: 13.54, Min: 0.03
RDN:
7.66
Ranked among companies with meaningful PE without NRI only.
|
PE without NRI range over the past 10 years
Min: 0.91, Med: 9.76, Max: 42.94
Current: 7.66
|
| Price-to-Owner-Earnings | 7.84 |
Price-to-Owner-Earnings ranked
lower than
83.33%
of
42
companies
in the
Insurance - Specialty
industry.
Industry Max: 228.03, Med: 11.35, Min: 1.12
RDN:
7.84
Ranked among companies with meaningful Price-to-Owner-Earnings only.
|
Price-to-Owner-Earnings range over the past 10 years
Min: 0.82, Med: 9.69, Max: 40.19
Current: 7.84
|
| PB Ratio | 1.37 |
PB Ratio ranked
lower than
66.20%
of
71
companies
in the
Insurance - Specialty
industry.
Industry Max: 22.26, Med: 1.15, Min: 0.32
RDN:
1.37
Ranked among companies with meaningful PB Ratio only.
|
PB Ratio range over the past 10 years
Min: 0.03, Med: 1.12, Max: 2.91
Current: 1.37
|
| PS Ratio | 3.78 |
PS Ratio ranked
lower than
91.55%
of
71
companies
in the
Insurance - Specialty
industry.
Industry Max: 1229.09, Med: 1.5, Min: 0.12
RDN:
3.78
Ranked among companies with meaningful PS Ratio only.
|
PS Ratio range over the past 10 years
Min: 0.08, Med: 2.43, Max: 4.16
Current: 3.78
|
| Price-to-Free-Cash-Flow | 6.79 |
Price-to-Free-Cash-Flow ranked
lower than
61.22%
of
49
companies
in the
Insurance - Specialty
industry.
Industry Max: 2500, Med: 11.08, Min: 1.19
RDN:
6.79
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
|
Price-to-Free-Cash-Flow range over the past 10 years
Min: 0.45, Med: 11.07, Max: 179.71
Current: 6.79
|
| Price-to-Operating-Cash-Flow | 6.54 |
Price-to-Operating-Cash-Flow ranked
lower than
58.49%
of
53
companies
in the
Insurance - Specialty
industry.
Industry Max: 2416.67, Med: 10.52, Min: 1.19
RDN:
6.54
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
|
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 0.44, Med: 10.24, Max: 321.14
Current: 6.54
|
| EV-to-EBIT | 5.74 |
EV-to-EBIT ranked
lower than
64.81%
of
54
companies
in the
Insurance - Specialty
industry.
Industry Max: 48.44, Med: 9.72, Min: 0.24
RDN:
5.74
Ranked among companies with meaningful EV-to-EBIT only.
|
EV-to-EBIT range over the past 10 years
Min: -28, Med: 1.5, Max: 14.8
Current: 5.74
|
| EV-to-EBITDA | 5.67 |
EV-to-EBITDA ranked
lower than
65.45%
of
55
companies
in the
Insurance - Specialty
industry.
Industry Max: 361.55, Med: 9.13, Min: 0.23
RDN:
5.67
Ranked among companies with meaningful EV-to-EBITDA only.
|
EV-to-EBITDA range over the past 10 years
Min: -95.3, Med: 5, Max: 13.7
Current: 5.67
|
| EV-to-Revenue | 3.50 |
EV-to-Revenue ranked
lower than
92.65%
of
68
companies
in the
Insurance - Specialty
industry.
Industry Max: 62023.67, Med: 1.27, Min: 0.01
RDN:
3.5
Ranked among companies with meaningful EV-to-Revenue only.
|
EV-to-Revenue range over the past 10 years
Min: -0.4, Med: 2.6, Max: 4.6
Current: 3.5
|
Dividend & Buy Back
| Current | vs industry | vs history | |
|---|---|---|---|
| Dividend Yield % | 0.04 |
Trailing Dividend Yield ranked
lower than
100.00%
of
111
companies
in the
Insurance - Specialty
industry.
Industry Max: 15.32, Med: 3.46, Min: 0.05
RDN:
0.04
Ranked among companies with meaningful Trailing Dividend Yield only.
|
Trailing Dividend Yield range over the past 10 years
Min: 0.04, Med: 0.09, Max: 7.84
Current: 0.04
|
| Forward Dividend Yield % | 0.04 |
Forward Dividend Yield ranked
lower than
100.00%
of
97
companies
in the
Insurance - Specialty
industry.
Industry Max: 13.61, Med: 4.14, Min: 0.05
RDN:
0.04
Ranked among companies with meaningful Forward Dividend Yield only.
| N/A |
| Yield-on-Cost (5-Year) % | 0.04 |
Yield-on-Cost (5y) ranked
lower than
100.00%
of
123
companies
in the
Insurance - Specialty
industry.
Industry Max: 80, Med: 5.59, Min: 0.05
RDN:
0.04
Ranked among companies with meaningful Yield-on-Cost (5y) only.
|
Yield-on-Cost (5y) range over the past 10 years
Min: 0.04, Med: 0.09, Max: 7.84
Current: 0.04
|
| 3-Year Share Buyback Rate | -1.10 |
3-Year Share Buyback Rate ranked
lower than
82.93%
of
41
companies
in the
Insurance - Specialty
industry.
Industry Max: 71.7, Med: -0.2, Min: -17
RDN:
-1.1
Ranked among companies with meaningful 3-Year Share Buyback Rate only.
|
3-Year Share Buyback Rate range over the past 10 years
Min: -27.4, Med: -5.75, Max: 5.5
Current: -1.1
|
Valuation & Return
| Current | vs industry | vs history | |
|---|---|---|---|
| Price-to-Tangible-Book | 1.41 |
Price-to-Tangible-Book ranked
lower than
57.97%
of
69
companies
in the
Insurance - Specialty
industry.
Industry Max: 24.81, Med: 1.46, Min: 0.32
RDN:
1.41
Ranked among companies with meaningful Price-to-Tangible-Book only.
|
Price-to-Tangible-Book range over the past 10 years
Min: 0.05, Med: 1.33, Max: 3.07
Current: 1.41
|
| Price-to-Projected-FCF | 1.18 |
Price-to-Intrinsic-Value-Projected-FCF ranked
lower than
100.00%
of
34
companies
in the
Insurance - Specialty
industry.
Industry Max: 3.73, Med: 0.77, Min: 0.1
RDN:
1.18
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
|
Price-to-Intrinsic-Value-Projected-FCF range over the past 10 years
Min: 0.02, Med: 0.63, Max: 6.12
Current: 1.18
|
| Price-to-Median-PS-Value | 1.56 |
Price-to-Median-PS-Value ranked
lower than
84.75%
of
59
companies
in the
Insurance - Specialty
industry.
Industry Max: 4.78, Med: 0.99, Min: 0.09
RDN:
1.56
Ranked among companies with meaningful Price-to-Median-PS-Value only.
|
Price-to-Median-PS-Value range over the past 10 years
Min: 0.05, Med: 1.36, Max: 2.07
Current: 1.56
|
| Price-to-Peter-Lynch-Fair-Value | 0.91 |
Price-to-Peter-Lynch-Fair-Value ranked
lower than
100.00%
of
11
companies
in the
Insurance - Specialty
industry.
Industry Max: 2.63, Med: 0.86, Min: 0.24
RDN:
0.91
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
|
Price-to-Peter-Lynch-Fair-Value range over the past 10 years
Min: 0.34, Med: 0.55, Max: 0.91
Current: 0.91
|
| Price-to-Graham-Number | 0.69 |
Price-to-Graham-Number ranked
lower than
84.00%
of
50
companies
in the
Insurance - Specialty
industry.
Industry Max: 5.26, Med: 0.93, Min: 0.03
RDN:
0.69
Ranked among companies with meaningful Price-to-Graham-Number only.
|
Price-to-Graham-Number range over the past 10 years
Min: 0.11, Med: 0.82, Max: 1.7
Current: 0.69
|
| Earnings Yield (Joel Greenblatt) % | 17.48 |
Earnings Yield (Greenblatt) ranked
higher than
51.39%
of
72
companies
in the
Insurance - Specialty
industry.
Industry Max: 416.67, Med: 7.42, Min: -555.56
RDN:
17.48
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
|
Earnings Yield (Greenblatt) range over the past 10 years
Min: -10335.4, Med: 9.3, Max: 2175.4
Current: 17.48
|
| Forward Rate of Return (Yacktman) % | 13.51 |
Forward Rate of Return ranked
higher than
89.47%
of
38
companies
in the
Insurance - Specialty
industry.
Industry Max: 91.04, Med: 13.79, Min: -41.13
RDN:
13.51
Ranked among companies with meaningful Forward Rate of Return only.
|
Forward Rate of Return range over the past 10 years
Min: -182.3, Med: -20.3, Max: 395.5
Current: 13.51
|
More Statistics
| Revenue (TTM) (Mil) $ | 1,345.05 |
| EPS (TTM) $ | 3.04 |
| Beta | 1.82 |
| Volatility % | 32.41 |
| 52-Week Range $ | 14.78 - 24.62 |
| Shares Outstanding (Mil) | 208.02 |