Radian Group Inc. Common Stock (RDN)

FairStock Score: 70/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

At the 2026-10-13 close of $33.75, FairStock calculates Radian at a P/E of 8.33 and a P/B of 0.94, with a 2.91% dividend yield, ROE of 12.03%, ROCE of 5.29%, and debt-to-equity of 0.28. That is a modest price for a specialty mortgage insurer. Filed figures show FY2025 revenue of $1.2B and net income of $582.6M, or diluted EPS of $4.14; FY2024 net income was $604.4M, or EPS $3.92, and FY2023 net income was $603.1M, or EPS $3.77. So net income has been roughly flat around $600M, while EPS has edged up. In fiscal Q2 2026, the quarter ended 2026-06-30, revenue was $575.0M, net income was $115.9M, and diluted EPS was $0.85. That compares with fiscal Q1 2026, the quarter ended 2026-03-31, net income of $124.1M and EPS $0.89, and fiscal Q4 2025, the quarter ended 2025-12-31, net income of $154.8M and EPS $1.12. The recent quarterly trend is softer. FairStock's Lynch category is STALWART, based on 8.2% annual profit growth over five years and -3.6% revenue growth. Its Piotroski score is 6/9. The balance sheet leverage looks reasonable at D/E 0.28, but this business lives on credit risk. P/B below 1 can be a bargain or a warning. The data lacks CET1, NIM, and combined ratio, so I cannot fully judge underwriting quality. I would want reserves and mortgage credit trends to confirm the low valuation.

In plain English: Radian sells mortgage insurance in the United States, mostly protecting lenders and investors when borrowers stop paying. Its profits have been fairly steady but have not grown much lately, and the latest quarterly profit was lower than the previous quarter. The stock looks cheap compared with the company's earnings and asset value, but that may be because mortgage insurance is risky if home loans go bad.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q4 2025 10-K (period ended 2025-12-31) · fiscal Q3 2025 10-K (period ended 2025-09-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer