Stocks · Financial Services · Insurance - Specialty
Radian Group Inc. RDN
$32.57 +4.32% Close, Oct 2, 2026 · NYSE · Market cap $4.33B
High qualityWeak trendInexpensive vs sector
Next earnings report: Nov 3, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Operating margin narrowed to 43.8% from 60.3% a year earlier.
- Revenue over the last four quarters was $1.65B, up 30.0% from a year earlier, accelerating from 9.5% a quarter earlier.
- Over the past year the stock returned -8.5%, behind the S&P 500 by 23.5 percentage points.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 14%
- EPS growth (TTM, YoY)Bottom 28%
- Revenue growth, 3-year CAGRBottom 10%
- Revenue growth accelerationTop 5%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 2%
- Gross marginTop 17%
- Operating marginTop 11%
- Cash conversion (OCF / net income)Top 5%
- Accruals (lower is better)Top 9%
- Net debt / EBITDA (lower is better)Bottom 49%
- Interest coverTop 12%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 10%
- Free-cash-flow yieldTop 7%
- EBITDA / enterprise valueTop 12%
- Sales / enterprise valueBottom 48%
- P/E vs own 5-year history (lower is better)Bottom 45%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 34%
- 6-month returnBottom 16%
- 1-year return vs S&P 500Bottom 23%
- Distance from 52-week highBottom 23%
- Trend checklist (0–4)Bottom 27%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 50%
- Consecutive EPS beatsBottom 17%
- Share of analysts rating BuyTop 36%
- Upside to consensus price targetTop 25%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 27%
- Maximum drawdown, 3 yearsTop 32%
- Beta vs S&P 500 (lower is better)Top 40%
- Net debt / EBITDA (lower is better)Bottom 49%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 9.5% | 30.0% | ↑ |
| EPS growth (YoY) | 4.3% | -1.0% | ↓ |
| Gross margin | 92.4% | 79.4% | ↓ |
| Operating margin | 60.3% | 43.8% | ↓ |
| FCF margin | -90.8% | 101.3% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 30.0% | 9.5% | ↑ | Top 14% |
| EPS growth (TTM, YoY) | -1.0% | 4.3% | ↓ | Bottom 28% |
| Gross margin | 79.4% | 92.4% | ↓ | Top 17% |
| Operating margin | 43.8% | 60.3% | ↓ | Top 11% |
| Net margin | 32.5% | 46.1% | ↓ | — |
| Free-cash-flow margin | 101.3% | -90.8% | ↑ | — |
| Return on invested capital | -23.4% | — | Bottom 2% | |
| Revenue growth, 3-year CAGR | 1.6% | — | Bottom 10% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 3.00×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -10.7%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.0%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +71.1 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 1.40×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 12.0×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 4.10%
- Net buyback yield (TTM)
- 4.15%
- Shareholder yield
- 8.25%
- Share count change, 1 year
- -1.5%
- Share count change, 3-year CAGR
- -5.4%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 7 of 8
- Average EPS surprise, last 4
- +4.8%
- Average 2-day reaction, last 8
- +0.8%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $41.00
- Target vs current price
- +25.9%
- Analysts with a rating
- 22
- Share rating Buy or Strong Buy
- 59%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 5, 2026 | -14.9% | -1.2% | -8.3% | -9.7% | — |
| May 6, 2026 | +8.5% | +0.4% | +4.6% | -5.4% | +9.6% |
| Feb 18, 2026 | +4.5% | -1.3% | +4.9% | +1.0% | +12.0% |
| Nov 4, 2025 | +21.1% | +0.6% | +3.6% | +4.1% | -3.5% |
| Jul 30, 2025 | +8.6% | -1.3% | -2.0% | +2.3% | +1.5% |
| Apr 30, 2025 | +4.2% | +1.0% | +6.2% | +7.6% | +6.9% |
| Feb 5, 2025 | +18.5% | +0.9% | -4.0% | -6.4% | -4.1% |
| Nov 6, 2024 | +13.2% | +6.8% | +6.9% | +7.9% | +4.8% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 5, 2026 | $1.14 | $1.34 | -14.9% | $575.0M |
| May 6, 2026 | $1.27 | $1.17 | +8.5% | $466.0M |
| Feb 18, 2026 | $1.16 | $1.11 | +4.5% | $300.5M |
| Nov 4, 2025 | $1.15 | $0.95 | +21.1% | $310.7M |
| Jul 30, 2025 | $1.01 | $0.93 | +8.6% | $317.8M |
| Apr 30, 2025 | $0.99 | $0.95 | +4.2% | $317.7M |
| Feb 5, 2025 | $1.09 | $0.92 | +18.5% | $316.3M |
| Nov 6, 2024 | $1.03 | $0.91 | +13.2% | $333.4M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 8.3× | 7.9× | 62th | Top 10% |
| P/E (forward) | 6.7× | — | — | — |
| EV / EBITDA | 6.8× | — | — | Top 12% |
| EV / Sales | 3.29× | — | — | Bottom 48% |
| Free-cash-flow yield | 38.67% | — | — | Top 7% |
| Earnings yield | 12.07% | — | — | Top 10% |
P/E over the past five years
Range 4.7× – 9.4× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- -8.5%
- Earnings per share growth (TTM)
- -1.0%
- Change in P/E multiple
- +13.3%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -3.8%
- 200-day average slope (20 days)
- -0.2%
- Distance from 50-day average
- -9.9%
- Distance from 200-day average
- -7.8%
- RSI (14)
- 37.3
- Relative volume
- 1.75×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 30.2%
- Volatility vs own 5-year history
- 87th percentile · High for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.60
- Correlation with S&P 500
- 0.39
- Current drawdown from 1-year high
- -18.0%
- Maximum drawdown, 3 years
- -22.9%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Apr 29, 2021 | Jun 16, 2022 | -27.9% | 286 days | 230 days (May 17, 2023) |
| Jul 29, 2026 | Sep 30, 2026 | -22.9% | 44 days | Not yet recovered |
| Jul 30, 2024 | Apr 8, 2025 | -18.0% | 173 days | 112 days (Sep 18, 2025) |
| Sep 19, 2025 | Jan 13, 2026 | -14.9% | 79 days | 73 days (Apr 29, 2026) |
| Jan 14, 2021 | Jan 29, 2021 | -12.7% | 10 days | 26 days (Mar 9, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $4.33B
- P/E (TTM)
- 8.3
- EPS, diluted (TTM)
- $3.93
- Revenue (TTM)
- $1.65B
- Dividend yield
- 3.13%
- 52-week range
- $30.53 – $41.05
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $1.33B | $1.19B | $1.24B | $1.29B | $1.25B |
| Gross profit | $1.18B | $1.42B | $1.22B | $1.23B | $1.15B |
| Operating income | $764.8M | $952.8M | $767.5M | $771.3M | $763.1M |
| Net income | $600.7M | $742.9M | $603.1M | $604.4M | $582.8M |
| EPS (diluted) | $3.16 | $4.35 | $3.77 | $3.92 | $4.14 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $319.7M | $316.7M | $317.7M | $317.8M | $310.7M | $301.0M | $466.3M | $575.0M |
| Net income | $151.9M | $148.3M | $144.6M | $141.8M | $141.4M | $155.0M | $124.1M | $115.9M |
| EPS (diluted) | $0.99 | $0.98 | $0.98 | $1.02 | $1.03 | $1.15 | $0.90 | $0.85 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $557.1M | $388.3M | $529.4M | -$663.6M | $119.9M |
| Capital expenditure | -$12.6M | -$17.7M | -$16.3M | -$1.6M | -$4.2M |
| Free cash flow | $544.5M | $370.6M | $513.2M | -$666.7M | $115.7M |
| Dividends paid | -$103.3M | -$135.4M | -$145.9M | -$152.0M | -$145.6M |
| Net share buybacks | -$397.7M | -$398.9M | -$131.6M | -$224.1M | -$430.9M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $119.0M
- Total assets
- $10.66B
- Total liabilities
- $5.85B
- Total debt
- $1.23B
- Net debt
- $1.11B
- Shareholders’ equity
- $4.81B
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 24, 2026 | $0.26 | Sep 9, 2026 |
| Jun 2, 2026 | $0.26 | Jun 17, 2026 |
| Feb 23, 2026 | $0.26 | Mar 10, 2026 |
| Nov 24, 2025 | $0.26 | Dec 9, 2025 |
| Aug 25, 2025 | $0.26 | Sep 9, 2025 |
| Jun 2, 2025 | $0.26 | Jun 17, 2025 |
| Feb 24, 2025 | $0.26 | Mar 11, 2025 |
| Nov 25, 2024 | $0.25 | Dec 10, 2024 |
Short interest
- Shares sold short
- 5,544,199
- Days to cover
- 5.61
- Change vs previous report
- +5.1%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Jun 21, 2001
- 2-for-1
- Dec 3, 1996
- 2-for-1