RDN
Financial ServicesRadian Group Inc. · Insurance - Specialty · $5B
What is Radian Group Inc.?
Radian Group Inc. is a Wayne, Pennsylvania-based financial services company focused on mortgage insurance and real estate services across the United States. It operates through two distinct segments that together span the mortgage transaction lifecycle.
Radian's Mortgage segment provides private mortgage insurance on residential first-lien loans, helping lenders manage credit risk while enabling borrowers to access financing with lower down payments. Its Homegenius segment extends the company's reach into title services, real estate valuation, closing and settlement solutions, and technology products — including software-as-a-service tools that serve lenders, brokers, investors, and government-sponsored enterprises. Together, the two segments position Radian as a participant across multiple stages of the residential real estate transaction.
Radian Group was founded in 1992 and is headquartered in Wayne, Pennsylvania.
- Private mortgage insurance on residential first-lien loans
- Contract underwriting and credit risk management solutions
- Title insurance and non-insurance title services
- Real estate valuation and asset management services
- SaaS technology products for real estate transactions
Is RDN a Good Stock to Buy?
UQS Score rates RDN as Good overall, reflecting a balanced profile with some clear strengths and areas worth watching.
The Quality and Valuation pillars stand out — Radian's business generates consistent earnings in a regulated niche, and the stock's current pricing is rated Attractive relative to its fundamentals. The Risk pillar also registers as Neutral, suggesting the company's financial structure does not carry outsized concern relative to sector peers.
The Moat pillar is rated Weak, indicating that Radian faces meaningful competitive pressure and may lack durable pricing power. Growth is rated Neutral, reflecting a business tied closely to housing market cycles.
See the exact pillar breakdown and full financial metrics by signing up for a UQS Pro account. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does RDN pay dividends?
Yes — Radian Group Inc. pays a dividend.
Radian Group pays a regular dividend, which is relatively uncommon among mid-cap financial services companies still investing in technology expansion. The dividend reflects the company's ability to generate consistent cash flows from its mortgage insurance operations. Income-oriented investors may find this cadence appealing, though dividend sustainability is always tied to housing market conditions and regulatory capital requirements.
When does RDN report earnings?
Radian Group reports earnings on a quarterly cadence, consistent with standard practice for US-listed financial services companies.
Radian's results tend to reflect conditions in the residential mortgage market — volumes, credit performance, and interest rate trends all influence outcomes across both segments. The Homegenius segment introduces some diversification from pure mortgage insurance cycles, though both remain sensitive to housing activity.
For the most recent quarter's results and guidance, visit Radian Group's investor relations page directly.
RDN Price History
+77.0% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Radian Group Inc.?
Based on Radian Group Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
RDN Long-term Outlook
Radian's fundamental outlook is shaped by its Neutral Growth and Neutral Risk ratings — a combination that suggests steady rather than accelerating performance. The mortgage insurance market is closely linked to housing origination volumes, which remain sensitive to interest rate movements. Homegenius represents a longer-term diversification effort, but its contribution to overall growth is still developing. The Attractive Valuation rating suggests the market may not be fully pricing in the company's earnings capacity relative to peers.
Growth drivers
- Potential recovery in mortgage origination volumes as rate conditions evolve
- Expansion of Homegenius technology and title services into new customer segments
- Continued demand for private mortgage insurance as a credit risk management tool
Key risks
- Housing market downturns that reduce origination volumes and increase credit losses
- Competitive pressure in mortgage insurance limiting pricing power (Weak Moat)
- Regulatory capital requirements that may constrain capital return flexibility
RDN vs Peers
Radian operates in a concentrated mortgage insurance and real estate services market alongside a small group of specialized peers.
Ryan Specialty focuses on specialty insurance distribution rather than mortgage credit risk, giving it a broader product mix across commercial lines.
Essent is a pure-play private mortgage insurer with a more focused business model and no real estate technology segment to manage.
MGIC is one of the largest private mortgage insurers in the US, competing directly with Radian's core Mortgage segment on scale and lender relationships.
Frequently Asked Questions
What does Radian Group do?
Radian Group provides private mortgage insurance and real estate services in the United States. Its Mortgage segment helps lenders manage credit risk on residential loans, while its Homegenius segment offers title services, real estate valuation, and technology solutions for lenders, brokers, and investors.
Does RDN pay dividends?
Yes, Radian Group pays a regular dividend. The company's mortgage insurance operations generate consistent cash flows that support this distribution. Investors should monitor housing market conditions and regulatory capital requirements, as these factors can influence dividend sustainability over time.
When does RDN report earnings?
Radian Group follows a standard quarterly earnings cadence for US-listed companies. For the exact schedule and most recent results, check the investor relations section of Radian's official website, where filing dates and press releases are posted.
Is RDN a good stock to buy?
UQS Score rates RDN as Good overall. The Valuation pillar is rated Attractive and Quality is Good, which are positive signals. However, the Moat pillar is Weak and Growth is Neutral — factors that investors should weigh carefully. The full pillar breakdown is available to Pro members.
Is RDN overvalued?
Based on the UQS Valuation pillar, RDN is currently rated Attractive — meaning the stock appears reasonably priced or potentially undervalued relative to its fundamentals. This does not guarantee future returns, but it suggests the market may not be fully pricing in the company's earnings capacity.
How does RDN compare to its competitors?
Radian competes with focused mortgage insurers like MGIC Investment and Essent Group, as well as broader specialty insurance players like Ryan Specialty. Radian differentiates itself through its Homegenius segment, which adds title and technology services beyond pure mortgage insurance. See the full UQS comparison for each competitor on their respective pages.
What is RDN's market cap bracket?
Radian Group is classified as a mid-cap company. This places it in a range that typically offers more liquidity than small-cap peers while remaining more nimble than large-cap financial institutions. Mid-cap stocks can carry both growth potential and sector-specific volatility.
Who founded Radian Group?
Radian Group was founded in 1992. For detailed founding history and executive background, the company's official investor relations materials and public filings provide the most accurate and complete information.
Is RDN a long-term quality stock?
As a long-term quality indicator, RDN's Good UQS Score reflects a business with consistent earnings characteristics and an Attractive valuation. The Weak Moat rating is a consideration for long-term holders, as it suggests limited structural pricing power. Pro members can access the complete pillar-level analysis to inform longer-term views.
What is the main competitive advantage of Radian Group?
Radian's primary advantage lies in its established relationships with mortgage originators and its regulated position in the private mortgage insurance market. The Homegenius segment adds diversification through technology and title services, though the UQS Moat pillar rates the company's overall competitive positioning as Weak relative to sector peers.
What sector does RDN belong to?
Radian Group operates in the Financial Services sector, specifically within mortgage insurance and real estate services. Its business is closely tied to residential housing market activity, interest rate trends, and credit conditions — making it sensitive to macroeconomic cycles that affect home buying and refinancing volumes.
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Pro Analysis
RDN — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 22, 2026 | 63.9 | 86.1 | 34.0 | 54.7 | 57.3 | 95.7 | +3.5 |
| May 7, 2026 | 60.4 | 73.6 | 34.0 | 52.4 | 57.1 | 96.3 | 0.0 |
| May 4, 2026 | 60.4 | 73.6 | 34.0 | 52.4 | 57.1 | 96.1 | -0.2 |
| Apr 19, 2026 | 60.6 | 73.6 | 34.0 | 53.8 | 57.1 | 96.1 | -0.1 |
| Apr 18, 2026 | 60.7 | 73.6 | 34.0 | 53.8 | 57.1 | 96.4 | -0.2 |
| Apr 14, 2026 | 60.9 | 73.6 | 34.0 | 53.8 | 57.1 | 97.6 | 0.0 |
| Apr 8, 2026 | 60.9 | 73.6 | 34.0 | 53.8 | 57.1 | 97.8 | 0.0 |
| Apr 4, 2026 | 60.9 | 73.6 | 34.0 | 53.9 | 57.1 | 97.8 | -0.1 |
| Apr 2, 2026 | 61.0 | 73.7 | 34.0 | 53.9 | 57.1 | 97.9 | — |
RDN — Pillar Breakdown
Quality
— 86.6/100 (25%)Radian Group Inc. demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 54.7/100 (20%)Radian Group Inc. shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 57.3/100 (15%)Radian Group Inc. maintains a reasonable risk profile with manageable debt levels.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 96.0/100 (15%)Radian Group Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 34/100 (25%)Radian Group Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for RDN.
Score Composition
Financial Data
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How is the RDN UQS Score Calculated?
The UQS (Unified Quality Score) for Radian Group Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Radian Group Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Radian Group Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.