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INDEX TO ITEM 1 Page General 13 Mortgage Insurance 16 Investment Policy and Portfolio 25 Enterprise Risk Management 26 Human Capital Management 29 Inigo Acquisition 31 Regulation 32 General Overview As a leading U.S. private mortgage insurer, Radian provides solutions that expand access to affordable, responsible and sustainable homeownership and helps borrowers achieve their dream of owning a …
$39.02
$0.36 (-0.91%)
Live · 05:23 PM
48.67% net margin is above average for a financial institution, suggesting strong underwriting or fee income alongside controlled credit costs.
Revenue declined 0.8% YoY. For a bank, this often signals contracting loan book or reduced fee income.
Financial stocks carry unique risks (credit cycles, regulatory changes, interest rate sensitivity) that aren't captured by standard quality metrics.
9.6x earnings. Below the sector average, the market may be pricing in credit losses or regulatory headwinds, or there's genuine value here.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
$1.39B
▼ -0.8% YoY
Net Income (TTM)
$562M
▼ -3.6% YoY
Net Margin
40.50%
P/E
9.6x
Balance Sheet
Total Assets
$10.65B
Equity
$4.81B
Total Debt
$1.30B
Cash & Equiv.
$680M
5Y CAGR: -3.6%
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At a P/E of 9.6 and a price-to-free-cash-flow of 16.2, Radian Group (RDN) trades above a two-stage DCF intrinsic value of about $37.20 per share, so at $39.02 the stock looks overvalued (4.7% above estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Radian Group scores 74/100 on Intrinsiqq's quality scorecard (a solid business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 2.7%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about $37.20 per share for RDN, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around $27.90. At today's $39.02, that puts the stock about 4.7% above estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Radian Group scores 74 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a solid business on these measures. Recent fundamentals include a 55.2% operating margin and a 10.2% return on invested capital. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Yes, Radian Group pays a regular dividend of about $1.04 per share per year (typically in quarterly installments), a yield of roughly 2.7% at the current price. That is a payout ratio of about 25.5% of earnings, so the dividend is amply covered by earnings. Radian Group has grown the dividend at roughly 9.0% a year over the past few years. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For RDN's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. RDN currently trades above its estimated intrinsic value and scores 74/100 on quality (solid). It also yields about 2.7%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.