Radian Group stock analysis
Radian Group (RAG) Stock Price & Analysis
RAG Stock Chart & Stats
- Day’s Range
- N/A
- 52-Week Range
- N/A
- Previous Close
- N/A
- Volume
- N/A
- Average Volume (3M)
- N/A
- Market Cap
- CHF 3.93B
- Enterprise Value
- CHF 5.32B
- Total Cash (Recent Filing)
- CHF 7.02B
- Total Debt (Recent Filing)
- CHF 1.17B
- Price to Earnings (P/E)
- 8.9
- Beta
- 0.57
- Next Earnings
- Feb 24, 2027 (Est.)
- EPS Estimate
- 1.04
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 2.65%
Bulls Say, Bears Say
Bulls Say
Record Mortgage Insurance Portfolio
A record insured portfolio expands Radian’s recurring premium base and demonstrates continued scale in its core mortgage insurance franchise. Favorable persistency reduces runoff from refinancing and supports more durable revenue visibility while the company continues writing new insurance.
Diversified Earnings After Inigo
The Specialty contribution broadens Radian beyond mortgage insurance and creates a more balanced earnings profile. Diversification can improve resilience across insurance cycles, while the combined platform gives management more opportunities to deploy capital where underwriting returns are attractive.
Debt Reduction And Liquidity
Lower leverage and substantial available liquidity strengthen Radian’s ability to absorb claims volatility, refinance obligations, and fund growth. An undrawn revolving facility also preserves financial flexibility for capital allocation, underwriting needs, or unexpected market stress.
Bears Say
Mortgage Defaults Rising
Higher defaults can increase claims, reserves, and capital requirements in Radian’s core mortgage insurance business. The expected further rise as older vintages season creates a continuing credit headwind, even though management reports that cure performance remains strong.
Specialty Premium Pressure
Falling Specialty premiums limit top-line expansion and may reduce operating leverage if the business cannot replace surrendered volume with equally profitable opportunities. Competitive and soft market conditions could persist, making disciplined underwriting supportive of margins but restrictive to growth.
Choppy Cash Generation
Uneven cash generation makes earnings less predictable for funding dividends, buybacks, debt service, and internal investment. Although trailing cash flow is currently strong, the sharp historical swings and negative growth rate indicate that reported profitability may not translate consistently into cash.
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Company Description
Radian Group
Operating across the United States, Radian Group Inc. and its various subsidiaries are key players in the mortgage and real estate services sector. Through its Mortgage segment, the company delivers crucial credit-related insurance, predominantly private mortgage insurance for primary residential loans. This division also furnishes a suite of credit risk management, contract underwriting, and fulfillment services. Its principal clientele includes a broad spectrum of mortgage originators, ranging from large mortgage and commercial banks to savings institutions, credit unions, and community banks. Radian's Homegenius segment provides an extensive array of services. These encompass comprehensive title services, such as both insured and uninsured title solutions, tax and title data management, centralized document recording, retrieval, and default curative actions, along with deed and property reports. Furthermore, it offers closing and settlement services, facilitating both electronic and traditional signings. The segment also specializes in real estate valuation and asset management. Complementing these offerings, Homegenius delivers advanced real estate technology products and services, including SaaS solutions, designed to streamline real estate transactions. This diverse segment caters to a wide base of clients, including individual consumers, mortgage lenders, various real estate investors, government-sponsored enterprises, and real estate brokers and agents. Established in 1977, Radian Group Inc. maintains its corporate headquarters in Wayne, Pennsylvania.
- Sector
- Financial
- Industry
- Insurance - Specialty
- CEO
- Michael S. Weinbach
- Employees
- 900
- Website
- www.radian.com
- Address
- 550 East Swedesford Road, Wayne, PA, 19087, US
Radian Group (RAG) Earnings & Revenues
RAG Company Deck
RAG Earnings Call
Earnings Call SentimentPositive
The call was strongly positive, supported by substantial revenue and earnings growth, improved returns, record Mortgage Insurance in-force volume, strong Specialty underwriting results, significant share repurchases, debt reduction, and emerging benefits from the Inigo acquisition. The main challenges were a 3% decline in Specialty net premiums earned, a seasonally higher 2.68% mortgage default rate, pressure on reported book value from higher interest rates, and increasing competition in Specialty markets. Management characterized the mortgage credit trends as expected and the overall portfolio fundamentals as strong.
View all CH:RAG earnings summaries