US · RDN
Radian Group Inc.
- Sector
- Financial Services · Insurance - Specialty
- Headquarters
- Wayne, PA 19087
- Website
- radian.com
Price · as of 2025-12-31
$35.43
Market cap 4.7B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $50.38 | +42.2% |
| Intrinsic Value(DCF) | $26.14 | -26.22% |
| Graham-Dodd Method(GD) | $39.94 | +12.72% |
| Graham Formula(GF) | $20.60 | -41.85% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $3.20 | $45.98 | $591.68 | $20.19 | $818.97 |
| 2012 | $7.80 | $20.43 | $0.00 | $0.00 | $146.95 |
| 2013 | $12.91 | $26.01 | $0.98 | $0.00 | $9.25 |
| 2014 | $13.38 | $99.48 | $8.22 | $36.57 | $256.12 |
| 2015 | $9.91 | $78.91 | $9.39 | $18.54 | $27.05 |
| 2016 | $15.38 | $64.92 | $11.25 | $19.77 | $17.12 |
| 2017 | $18.26 | $41.39 | $12.04 | $16.54 | $3.82 |
| 2018 | $16.55 | $47.79 | $14.40 | $30.21 | $34.36 |
| 2019 | $18.66 | $55.19 | $17.32 | $35.30 | $87.79 |
| 2020 | $19.71 | $37.76 | $19.62 | $24.46 | $5.20 |
| 2021 | $20.47 | $45.54 | $20.07 | $30.27 | $2.75 |
| 2022 | $19.27 | $42.61 | $21.57 | $33.30 | $0.00 |
| 2023 | $27.82 | $37.56 | $25.08 | $33.04 | $46.33 |
| 2024 | $31.13 | $39.51 | $26.27 | $35.20 | $47.40 |
| 2025 | $34.95 | $50.38 | $20.21 | $39.94 | $20.60 |
AI valuation
Our deep-learning model estimates Radian Group Inc.'s (RDN) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $50.38
- Current price
- $35.43
- AI upside
- +42.2%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$26.14
-26.22% upside
Graham-Dodd
$39.94
+12.72% upside
Graham Formula
$20.60
-41.85% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| RDN | Radian Group Inc. | $35.43 | 4.7B | +42% | -26% | +13% | -42% | 8.28 | 1.01 | 3.87 | 6.80 | 147.46 | 1.01 | 92.30% | 61.19% | 46.73% | 12.39% | 16.57% | 6.94% | 0.24 | 11.64 | 0.14 | 0.14 | 1.24 | 561.00% | -336.00% | -15048.00% | 6.98% | 0.32 | 9.32% | 3.02% | 25.00% | 37.30% | 7.77 | 17.62 | 4.75 | 2.08 |
| ACT | Enact Holdings, Inc. | $41.84 | 6.04B | +43% | -54% | +11% | +13% | 9.34 | 1.18 | 5.12 | 7.11 | 272.08 | 1.18 | 91.10% | 69.80% | 54.80% | 13.03% | 12.63% | 10.03% | 0.14 | 17.19 | 6.86 | 6.86 | 0.18 | 343.00% | 237.00% | 557.00% | 11.51% | 7.91 | 13.58% | 1.92% | 17.90% | 1.92% | 7.52 | 8.91 | 5.25 | 3.89 |
| AGO | Assured Guaranty Ltd. | $86.21 | 3.98B | +75% | +11% | — | -40% | 8.50 | 0.76 | 5.43 | -1.03 | 17.65 | 0.76 | 92.89% | 84.01% | 63.83% | 9.02% | 20.34% | 4.18% | 0.30 | 7.44 | — | — | 1.75 | 4818.00% | -319.00% | 152979.00% | 17.91% | — | 28.69% | 17.89% | 152.10% | 35.71% | -1.17 | -1.01 | -0.99 | 2.14 |
| AX | Axos Financial, Inc. | $86.82 | 4.92B | -26% | +569% | -4% | +48% | 11.92 | 1.93 | 2.68 | 5.50 | — | 2.05 | 61.47% | 31.79% | 22.44% | 17.42% | 52.84% | 1.82% | 0.14 | 0.89 | 0.11 | 0.11 | -2.43 | -300.00% | 916.00% | 6182.00% | 8.45% | 0.02 | 53.23% | 0.00% | 0.00% | 1.13% | 5.76 | 8.11 | 1.83 | -0.46 |
| ESNT | Essent Group Ltd. | $60.84 | 5.88B | +50% | -14% | +21% | -11% | 8.80 | 1.05 | 4.82 | 7.57 | 1205.58 | 1.07 | 88.16% | 65.18% | 54.72% | 12.15% | 21.95% | 9.48% | 0.10 | 25.14 | 0.34 | 0.34 | 0.51 | 73.00% | -49.00% | -71.00% | 13.98% | 1.67 | 27.00% | 2.01% | 17.70% | 2.01% | 7.92 | 7.67 | 5.16 | 3.63 |
| IFS | Intercorp Financial Servi… | $48.38 | 5.37B | -25% | -31% | -18% | +19% | 10.30 | 1.52 | 2.03 | 7.08 | 23.78 | 1.75 | 65.27% | 25.24% | 19.72% | 15.66% | 153.46% | 1.87% | 1.03 | 1.09 | 2.07 | 2.07 | 0.29 | 4332.00% | 431.00% | -26255.00% | 16.30% | 0.53 | 256.55% | 2.11% | 21.70% | 3.43% | 8.34 | 6.36 | 2.11 | 0.41 |
| MTG | MGIC Investment Corporati… | $26.53 | 5.75B | +79% | +34% | +48% | +5% | 8.29 | 1.19 | 5.04 | 6.69 | 95.85 | 1.19 | 94.90% | 76.51% | 60.84% | 14.31% | 28.65% | 11.20% | 0.13 | 26.91 | — | — | 0.28 | 865.00% | 49.00% | 1767.00% | 13.91% | — | 33.05% | 0.00% | 0.00% | 2.36% | 6.88 | 7.50 | 5.27 | 3.11 |
| NMIH | NMI Holdings, Inc. | $39.31 | 3.02B | +898% | +3,601% | +49% | +106% | 7.91 | 1.19 | 4.36 | 6.53 | 71.51 | 1.19 | 91.83% | 70.84% | 55.12% | 16.17% | 14.03% | 10.82% | 0.16 | 17.55 | 0.00 | 0.00 | 0.71 | 1106.00% | 839.00% | 668.00% | 13.41% | 0.00 | 14.88% | 0.00% | 0.00% | 3.42% | 6.90 | 8.36 | 4.89 | -123.67 |
| NNI | Nelnet, Inc. | $129.46 | 4.64B | +156% | -47% | -11% | +68% | 11.17 | 1.30 | 2.11 | 467.85 | 24.27 | 1.37 | 87.04% | 50.58% | 11.76% | 12.18% | 8.97% | 3.08% | 2.12 | 2.19 | 2666.66 | 2666.66 | 242.71 | 4602.00% | 2256.00% | -11219.00% | -1.64% | -16.50 | -0.81% | 0.90% | 10.00% | 64.15% | 8.68 | -127.05 | 4.39 | 2.49 |
| SIGI | Selective Insurance Group… | $84.04 | 5.08B | -8% | -60% | -14% | +59% | 11.12 | 1.44 | 0.97 | 7.21 | 8.45 | 1.67 | 40.86% | 11.05% | 8.74% | 13.86% | 16.12% | 3.25% | 0.25 | 11.95 | 650.38 | 164.40 | 1.34 | 13158.00% | 978.00% | 1539.00% | 23.79% | 75.28 | 42.63% | 1.97% | 21.90% | 3.75% | 8.21 | 3.92 | 0.91 | 1.94 |
| SNEX | StoneX Group Inc. | $127.50 | 6.69B | +169% | +64,309% | -85% | +99% | 14.48 | 1.86 | 0.03 | 10.73 | 132.57 | 2.70 | 1.95% | 1.55% | 0.23% | 14.97% | 9.90% | 0.84% | 7.79 | 1.39 | 1.57 | 0.71 | 8.51 | 1092.00% | 3253.00% | 87870.00% | 97.59% | 0.20 | 27.85% | 4.02% | 58.20% | 4.02% | 10.40 | 4.94 | 0.16 | 3.53 |
About Radian Group Inc.
Radian Group Inc., together with its subsidiaries, engages in the mortgage and real estate services business in the United States. Its Mortgage segment offers credit-related insurance coverage primarily through private mortgage insurance on residential first-lien mortgage loans, as well as other credit risk management, contract underwriting, and fulfillment solutions. This segment primarily serves mortgage originators, such as mortgage banks, commercial banks, savings institutions, credit unions, and community banks. The company's Homegenius segment offers title services, including a suite of insurance and non-insurance title, tax and title data, centralized recording, document retrieval and default curative title services, and deed and property reports, as well as closing and settlement services comprising electronic execution and traditional signing services; real estate valuation products and services; and asset management services, as well as a suite of real estate technology products and services to facilitate real estate transactions, such as software as a service solutions. This segment serves consumers, mortgage lenders, mortgage and real estate investors, government-sponsored enterprises, and real estate brokers and agents. The company was founded in 1977 and is headquartered in Wayne, Pennsylvania.
- CEO
- Richard Gerald Thornberry
- Employees
- 1K
- Beta
- 0.80
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($26.14 ÷ $35.43) − 1 = -26.22% (DCF, example).