Radian Group (FRA:RAG) Moat Score: 6/10 (As of Jun. 30, 2026)


FRA:RAG Radian Group Inc FRA:RAG
88 GF Score
Price €31.60
GF Value €31.98
! 5 Warning Signs
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What is Radian Group Moat Score?

Radian Group FRA:RAG 88 Moat Score is 6 as of Jun. 30, 2026. GuruFocus rates FRA:RAG with a GF Score™ of 88/100 and a GF Value™ of €31.98. The stock has 5 warning signs investors should review. Among 601 Insurance companies, Radian Group ranks better than 95.01% on this metric.

Radian Group has the Moat Score of 6, which implies that the company might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Radian Group has Narrow Moat: Radian Group Inc has a strong narrow moat due to its significant market share in mortgage insurance and regulatory barriers. The company benefits from economies of scale and a strong distribution network, but intense competition prevents it from achieving a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Radian Group might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Radian Group  (FRA:RAG) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Radian Group Moat Score Related Terms

FRA:RAG vs RYAN, MTG, ESNT: Moat Score Comparison

For the Insurance - Specialty subindustry, Radian Group's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, Radian Group's Moat Score distribution charts can be found below:

* The bar in red indicates where Radian Group's Moat Score falls into.


FRA:RAG
88GF Score
Radian Group Inc FRA:RAG
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 6 mean?
Radian Group (FRA:RAG) has a Moat Score of 6 as of Jun. 30, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Radian Group ranks #30 out of 601 companies in the Insurance industry, placing it in the top 5%.
Is Radian Group's Moat Score too high?
Radian Group's current Moat Score is 6. Based on the distribution chart, Radian Group ranks #30 out of 601 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. 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 Moat Score compare to RYAN and MTG?
According to the Insurance industry distribution chart, Radian Group ranks #30 out of 601 companies for Moat Score. This places Radian Group in the top 5% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Radian Group's current Moat Score is 6. 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 Moat Score of 6. The stock's GF Value™ is €31.98, compared to a current price of €31.60 — trading 1.2% below its estimated fair value. The current Moat Score is 6. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Radian Group (FRA:RAG), the current Moat Score is 6 as of Jun. 30, 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 €31.60 is trading 1.2% below its estimated GF Value™ of €31.98.

Key valuation signals for FRA:RAG:

  • Moat Score: 6
  • GF Value™: €31.98 vs. price of €31.60 (1.2% below fair value)
  • GF Score™: 88/100 with 5 warning signs

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 Business Description

Other Exchanges RDN:USARAG:Germany
Address 550 East Swedesford Road, Suite 350, Wayne, PA, USA, 19087
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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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€31.60
Price
€31.98
GF Value