3-Year Return on Invested Incremental Capital (3-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 3-year.
Radian Group's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was -13.04%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Radian Group's 3-Year ROIIC % or its related term are showing as below:
FRA:RAG's 3-Year ROIIC % is ranked worse than 87.24% of 337
companies
in the Insurance industry
Industry Median: 5.12
vs FRA:RAG: -13.04
Radian Group (FRA:RAG) 3-Year ROIIC % Explanation
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
Radian Group 3-Year ROIIC % Related Terms
Radian Group 3-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for Radian Group's 3-Year ROIIC % 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: 3-Year ROIIC % Comparison
For the Insurance - Specialty subindustry, Radian Group's 3-Year ROIIC %, along with its competitors' market caps and 3-Year ROIIC % 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 3-Year ROIIC % vs Insurance Industry
For the Insurance industry and Financial Services sector, Radian Group's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Radian Group's 3-Year ROIIC % 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.
** Annual data of NOPAT and Invested Capital was used to calculate 3-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
Radian Group (FRA:RAG) has a 3-Year ROIIC % of -13.04 as of Dec. 2025. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Radian Group and its competitors. According to the industry distribution chart, Radian Group ranks #294 out of 337 companies in the Insurance industry, placing it in the top 87.2%.
Is Radian Group's 3-Year ROIIC % too high?
Radian Group's current 3-Year ROIIC % is -13.04. Based on the distribution chart, Radian Group ranks #294 out of 337 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Radian Group has a GF Score™ of 86/100, reflecting its overall financial health beyond just this single metric.
How does Radian Group's 3-Year ROIIC % compare to RYAN and MTG?
According to the Insurance industry distribution chart, Radian Group ranks #294 out of 337 companies for 3-Year ROIIC %. This places Radian Group in the lower half of its industry. The industry median 3-Year ROIIC % is 5.12. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year ROIIC % for an Insurance company?
The median 3-Year ROIIC % among Insurance companies is 5.12, based on 337 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year ROIIC % 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 3-Year ROIIC % mean?
A high 3-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Radian Group and its competitors. For the Insurance industry, the median 3-Year ROIIC % is 5.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Radian Group's current 3-Year ROIIC % is -13.04. 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 3-Year ROIIC % of -13.04. The stock's GF Value™ is €31.96, compared to a current price of €31.60 — trading 1.1% below its estimated fair value. The current 3-Year ROIIC % is -13.04. Radian Group's overall GF Score™ is 86/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For Radian Group (FRA:RAG), the current 3-Year ROIIC % is -13.04 as of Dec. 2025. 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 1.1% below its estimated GF Value™ of €31.96.
Key valuation signals for FRA:RAG:
3-Year ROIIC %: -13.04
GF Value™: €31.96 vs. price of €31.60 (1.1% below fair value)
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.
86GF Score
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