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Radian GroupFRA:RAG -4.17%88 Debt-to-EBITDA is 1.64 as of Mar. 2026, which is 10% above its 10-year median of 1.49. GuruFocus rates FRA:RAG with a GF Score™ of 88/100 and a GF Value™ of €33.77. The stock has 5 warning signs investors should review. Among 321 Insurance companies, Radian Group ranks worse than 59.19% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Radian Group's Debt-to-EBITDA or its related term are showing as below:
FRA:RAG'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 1.05 Med: 1.49 Max: 2.54
Current: 1.56
During the past 13 years, the highest Debt-to-EBITDA Ratio of Radian Group was 2.54. The lowest was 1.05. And the median was 1.49.
FRA:RAG's Debt-to-EBITDA is ranked worse than 59.19% of 321
companies
in the Insurance industry
Industry Median: 1.18
vs FRA:RAG: 1.56
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Radian Group Debt-to-EBITDA Related Terms
Radian Group Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Radian Group's Debt-to-EBITDA can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FRA:RAG vs RYAN, MTG, ESNT: Debt-to-EBITDA Comparison
For the Insurance - Specialty subindustry, Radian Group's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Radian Group Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Radian Group's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Radian Group's Debt-to-EBITDA falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Mar. 2026) EBITDA data.
Radian Group (FRA:RAG) has a Debt-to-EBITDA of 1.64 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Radian Group. This is 10% above median its historical median of 1.49. Over the past decade, Radian Group's Debt-to-EBITDA has ranged from 1.05 to 2.54. According to the industry distribution chart, Radian Group ranks #190 out of 321 companies in the Insurance industry, placing it in the top 59.2%.
Is Radian Group's Debt-to-EBITDA too high?
Radian Group's current Debt-to-EBITDA of 1.64 is 10% above median its 10-year median of 1.49. Over the past 10 years, this metric has ranged from a low of 1.05 to a high of 2.54. The Insurance industry median Debt-to-EBITDA is 1.18. Radian Group's value of 1.64 is 39% above this industry median. Based on the distribution chart, Radian Group ranks #190 out of 321 companies in the Insurance industry, which is below the industry midpoint. Overall, Radian Group has a GF Score™ of 88/100, reflecting its overall financial health beyond just this single metric.
How does Radian Group's Debt-to-EBITDA compare to RYAN and MTG?
According to the Insurance industry distribution chart, Radian Group ranks #190 out of 321 companies for Debt-to-EBITDA. This places Radian Group in the lower half of its industry. The industry median Debt-to-EBITDA is 1.18. Radian Group's value of 1.64 is 39% above this benchmark. Historically, Radian Group's own Debt-to-EBITDA has ranged from 1.05 to 2.54 over the past decade. While the company's 10-year median is 1.49 vs. the industry median of 1.18, Radian Group has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for an Insurance company?
The median Debt-to-EBITDA among Insurance companies is 1.18, based on 321 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Radian Group's current Debt-to-EBITDA of 1.64 is 39% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Radian Group. For the Insurance industry, the median Debt-to-EBITDA is 1.18 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Radian Group's current Debt-to-EBITDA is 1.64, which is 10% above median its own 10-year median of 1.49. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Radian Group stock overvalued right now?
Radian Group (FRA:RAG) has a current Debt-to-EBITDA of 1.64. The stock's GF Value™ is €33.77, compared to a current price of €32.20 — trading 4.6% below its estimated fair value. The current Debt-to-EBITDA is 1.64, which is 10% above median its 10-year median of 1.49 and 39% above the Insurance industry median of 1.18. Radian Group's overall GF Score™ is 88/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Radian Group (FRA:RAG), the current Debt-to-EBITDA is 1.64 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Radian Group (FRA:RAG) Overvalued in 2026?
Based on GuruFocus' analysis, Radian Group stock appears to be undervalued.
The current stock price of €32.20 is trading 4.6% below its estimated GF Value™ of €33.77.
Key valuation signals for FRA:RAG:
Debt-to-EBITDA: 1.64 (10% above median its 10-year median of 1.49)
GF Value™: €33.77 vs. price of €32.20 (4.6% below fair value)
Industry Position: 39% above the Insurance median (#190 of 321)
No single metric tells the full story. See the FRA:RAG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Radian Group Inc is engaged in mortgage and real estate services. It provides both credit-related mortgage insurance coverage and other products and services across the residential real estate and mortgage finance industries. It has one reportable segment, Mortgage Insurance, which primarily derives its revenue by providing private mortgage insurance on residential first-lien mortgage loans to mortgage lending institutions and mortgage credit investors.
88GF Score
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