US7502361014 - Common Stock

**RDN** gets a fundamental rating of **6** out of 10. The analysis compared the fundamentals against 103 industry peers in the **Financial Services** industry. **RDN** has an excellent financial health rating, but there are some minor concerns on its profitability. **RDN** has a valuation in line with the averages, but on the other hand it scores bad on growth. **RDN** also has an excellent dividend rating. With these ratings, **RDN** could be worth investigating further for dividend investing!.

In the past year **RDN** was profitable.

Each year in the past 5 years **RDN** has been profitable.

Looking at the **Return On Assets**, with a value of **8.44%**, **RDN** belongs to the top of the industry, outperforming **89.32%** of the companies in the same industry.

With a decent **Return On Equity** value of **15.00%**, **RDN** is doing good in the industry, outperforming **76.70%** of the companies in the same industry.

Industry Rank | Sector Rank | ||
---|---|---|---|

ROA | 8.44% | ||

ROE | 15% | ||

ROIC | 9.56% |

ROA(3y)8.71%

ROA(5y)8.19%

ROE(3y)15.59%

ROE(5y)14.51%

ROIC(3y)N/A

ROIC(5y)N/A

In the last couple of years the **Operating Margin** of **RDN** has grown nicely.

Industry Rank | Sector Rank | ||
---|---|---|---|

OM | 72.88% | ||

PM (TTM) | 50.66% | ||

GM | N/A |

OM growth 3Y22.26%

OM growth 5Y3.58%

PM growth 3Y21.12%

PM growth 5Y0.42%

GM growth 3YN/A

GM growth 5YN/A

With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), **RDN** is creating some value.

Compared to 5 years ago, **RDN** has less shares outstanding

The debt/assets ratio for **RDN** has been reduced compared to a year ago.

An Altman-Z score of **2.15** indicates that **RDN** is not a great score, but indicates only limited risk for bankruptcy at the moment.

The Debt to FCF ratio of **RDN** is **4.73**, which is a neutral value as it means it would take **RDN**, **4.73** years of fcf income to pay off all of its debts.

The **Debt to Equity ratio** of **RDN** (**0.40**) is comparable to the rest of the industry.

Industry Rank | Sector Rank | ||
---|---|---|---|

Debt/Equity | 0.4 | ||

Debt/FCF | 4.73 | ||

Altman-Z | 2.15 |

ROIC/WACC1.21

WACC7.87%

Industry Rank | Sector Rank | ||
---|---|---|---|

Current Ratio | 3.44 | ||

Quick Ratio | 3.44 |

The earnings per share for **RDN** have decreased strongly by **-18.94%** in the last year.

Measured over the past 5 years, **RDN** shows a small growth in **Earnings Per Share**. The EPS has been growing by **7.66%** on average per year.

EPS 1Y (TTM)-18.94%

EPS 3Y31.26%

EPS 5Y7.66%

EPS growth Q2Q-20.61%

Revenue 1Y (TTM)1.23%

Revenue growth 3Y-4.82%

Revenue growth 5Y-0.51%

Revenue growth Q2Q5.86%

The **Earnings Per Share** is expected to decrease by **-4.13%** on average over the next years.

Based on estimates for the next years, **RDN** will show a quite strong growth in **Revenue**. The Revenue will grow by **10.62%** on average per year.

EPS Next Y-11.29%

EPS Next 2Y-4.13%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year11.23%

Revenue Next 2Y10.62%

Revenue Next 3YN/A

Revenue Next 5YN/A

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

With a **Price/Earnings** ratio of **6.90**, the valuation of **RDN** can be described as very cheap.

Based on the **Price/Earnings** ratio, **RDN** is valued cheaper than 89.32% of the companies in the same industry.

Based on the **Price/Forward Earnings** ratio of **7.95**, the valuation of **RDN** can be described as very cheap.

The average S&P500 **Price/Forward Earnings** ratio is at **21.63**. **RDN** is valued rather cheaply when compared to this.

Industry Rank | Sector Rank | ||
---|---|---|---|

PE | 6.9 | ||

Fwd PE | 7.95 |

Industry Rank | Sector Rank | ||
---|---|---|---|

P/FCF | 11.99 | ||

EV/EBITDA | N/A |

PEG (NY)N/A

PEG (5Y)0.9

EPS Next 2Y-4.13%

EPS Next 3YN/A

Compared to an average industry **Dividend Yield** of **3.43**, **RDN** pays a better dividend. On top of this **RDN** pays more dividend than 85.44% of the companies listed in the same industry.

Compared to an average S&P500 **Dividend Yield** of **2.45**, **RDN** pays a bit more dividend than the S&P500 average.

Industry Rank | Sector Rank | ||
---|---|---|---|

Dividend Yield | 3.57% |

On average, the dividend of **RDN** grows each year by **140.15%**, which is quite nice.

As **RDN** did not decrease their dividend in the past **5** years, we can say the dividend looks stable.

Dividend Growth(5Y)140.15%

Div Incr Years6

Div Non Decr Years7

DP22.92%

EPS Next 2Y-4.13%

EPS Next 3YN/A

**RADIAN GROUP INC**

NYSE:RDN (2/23/2024, 7:08:36 PM)

After market: 27.45 0 (0%)**27.45**

**-0.01 (-0.04%) **

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryFinancial Services

Earnings (Last)

Earnings (Next)

Inst Owners

Inst Owner Change

Ins Owners

Ins Owner Change

Market Cap4.20B

Analysts

Price Target

Dividend

Industry Rank | Sector Rank | ||
---|---|---|---|

Dividend Yield | 3.57% |

Dividend Growth(5Y)

DP

Div Incr Years

Div Non Decr Years

Ex-Date

Surprises & Revisions

EPS beat(2)

Avg EPS beat(2)

Min EPS beat(2)

Max EPS beat(2)

EPS beat(4)

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Min EPS beat(4)

Max EPS beat(4)

EPS beat(8)

Avg EPS beat(8)

EPS beat(12)

Avg EPS beat(12)

EPS beat(16)

Avg EPS beat(16)

Revenue beat(2)

Avg Revenue beat(2)

Min Revenue beat(2)

Max Revenue beat(2)

Revenue beat(4)

Avg Revenue beat(4)

Min Revenue beat(4)

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Revenue beat(8)

Avg Revenue beat(8)

Revenue beat(12)

Avg Revenue beat(12)

Revenue beat(16)

Avg Revenue beat(16)

PT rev (1m)

PT rev (3m)

EPS NQ rev (1m)

EPS NQ rev (3m)

EPS NY rev (1m)

EPS NY rev (3m)

Revenue NQ rev (1m)

Revenue NQ rev (3m)

Revenue NY rev (1m)

Revenue NY rev (3m)

Valuation

Industry Rank | Sector Rank | ||
---|---|---|---|

PE | 6.9 | ||

Fwd PE | 7.95 | ||

P/S | |||

P/FCF | |||

P/OCF | |||

P/B | |||

P/tB | |||

EV/EBITDA |

EPS(TTM)

EY

EPS(NY)

Fwd EY

FCF(TTM)

FCFY

OCF(TTM)

OCFY

SpS

BVpS

TBVpS

PEG (NY)N/A

PEG (5Y)0.9

Profitability

Industry Rank | Sector Rank | ||
---|---|---|---|

ROA | 8.44% | ||

ROE | 15% | ||

ROCE | |||

ROIC | |||

ROICexc | |||

ROICexgc | |||

OM | 72.88% | ||

PM (TTM) | 50.66% | ||

GM | N/A | ||

FCFM |

ROA(3y)

ROA(5y)

ROE(3y)

ROE(5y)

ROIC(3y)

ROIC(5y)

ROICexc(3y)

ROICexc(5y)

ROICexgc(3y)

ROICexgc(5y)

ROCE(3y)

ROCE(5y)

ROICexcg growth 3Y

ROICexcg growth 5Y

ROICexc growth 3Y

ROICexc growth 5Y

OM growth 3Y

OM growth 5Y

PM growth 3Y

PM growth 5Y

GM growth 3Y

GM growth 5Y

F-Score

Asset Turnover0.17

Health

Industry Rank | Sector Rank | ||
---|---|---|---|

Debt/Equity | 0.4 | ||

Debt/FCF | |||

Debt/EBITDA | |||

Cap/Depr | |||

Cap/Sales | |||

Interest Coverage | |||

Cash Conversion | |||

Profit Quality | |||

Current Ratio | 3.44 | ||

Quick Ratio | 3.44 | ||

Altman-Z |

F-Score

WACC

ROIC/WACC

Cap/Depr(3y)

Cap/Depr(5y)

Cap/Sales(3y)

Cap/Sales(5y)

Profit Quality(3y)

Profit Quality(5y)

Growth

EPS 1Y (TTM)-18.94%

EPS 3Y31.26%

EPS 5Y

EPS growth Q2Q

EPS Next Y-11.29%

EPS Next 2Y

EPS Next 3Y

EPS Next 5Y

Revenue 1Y (TTM)1.23%

Revenue growth 3Y-4.82%

Revenue growth 5Y

Revenue growth Q2Q

Revenue Next Year

Revenue Next 2Y

Revenue Next 3Y

Revenue Next 5Y

EBIT growth 1Y

EBIT growth 3Y

EBIT growth 5Y

EBIT Next Year

EBIT Next 3Y

EBIT Next 5Y

FCF growth 1Y

FCF growth 3Y

FCF growth 5Y

OCF growth 1Y

OCF growth 3Y

OCF growth 5Y