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Radian Group (RDN) Financials

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Annual Income Statements for Radian Group

Annual Income Statements for Radian Group

This table shows Radian Group's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015
Net Income / (Loss) Attributable to Common Shareholders		 604 603 743 601 394 672 606 121 308 287
Consolidated Net Income / (Loss)		 604 603 743 601 394 672 606 121 308 287
Net Income / (Loss) Continuing Operations		 604 603 743 601 394 672 606 121 308 282
Total Pre-Tax Income 		771 767 953 765 479 849 684 347 484 438
Total Operating Income		 879 857 1,037 849 551 905 746 409 565 529
Total Gross Profit		 1,252 1,202 1,108 1,226 1,353 1,419 1,175 1,117 1,124 1,100
Total Revenue		 1,290 1,241 1,191 1,330 1,439 1,527 1,273 1,222 1,238 1,193
Operating Revenue		 1,300 1,230 1,271 1,314 1,378 1,475 1,315 1,218 1,208 1,158
Other Revenue		 -10 10 -81 16 60 52 -42 3.62 31 36
Total Cost of Revenue		 38 38 82 104 86 108 98 105 114 94
Operating Cost of Revenue		 38 38 82 104 86 108 98 105 114 94
Total Operating Expenses		 373 345 71 377 802 513 429 708 559 571
Selling, General & Admin Expense		 348 348 381 324 281 306 281 267 245 242
Amortization Expense		 27 30 28 32 36 48 38 52 37 35
Other Operating Expenses / (Income)		 -2.51 -43 -338 21 485 132 105 135 278 199
Impairment Charge		 0.00 9.80 0.00 0.00 0.00 4.83 0.00 184 0.00 0.00
Total Other Income / (Expense), net		 -108 -90 -84 -84 -71 -56 -61 -63 -81 -91
Interest Expense		 108 90 84 84 71 56 61 63 81 91
Income Tax Expense		 167 164 210 164 86 177 78 226 175 156
Basic Earnings per Share		 $3.96 $3.81 $4.42 $3.19 $2.01 $3.22 $2.83 $0.56 $1.46 $1.44
Weighted Average Basic Shares Outstanding		 152.47M 158.14M 167.93M 188.37M 195.44M 208.77M 214.27M 215.32M 211.79M 199.91M
Diluted Earnings per Share		 $3.92 $3.77 $4.35 $3.16 $2.00 $3.20 $2.77 $0.55 $1.37 $1.22
Weighted Average Diluted Shares Outstanding		 154.19M 160.13M 170.66M 190.26M 196.64M 210.34M 218.55M 220.41M 229.26M 246.33M
Weighted Average Basic & Diluted Shares Outstanding		 145.06M 151.50M - - 191.69M 198.64M 213.66M 216.03M 215.08M 197.50M
Cash Dividends to Common per Share		 $0.98 $0.90 $0.80 $0.55 $0.50 $0.01 $0.01 $0.01 $0.01 $0.01

Quarterly Income Statements for Radian Group

This table shows Radian Group's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 145 148 152 152 152 143 157 146 158 162 198
Consolidated Net Income / (Loss)		 145 148 152 152 152 143 157 146 158 162 198
Net Income / (Loss) Continuing Operations		 145 148 152 152 152 143 157 146 158 162 198
Total Pre-Tax Income 		188 189 195 188 199 180 201 183 204 203 255
Total Operating Income		 211 212 224 215 228 203 224 204 225 159 295
Total Gross Profit		 309 306 324 312 310 320 304 279 299 232 296
Total Revenue		 318 316 333 321 319 329 313 290 310 315 296
Operating Revenue		 318 325 331 326 319 315 321 290 304 308 312
Other Revenue		 -0.72 -8.29 2.17 -4.49 0.49 13 -8.56 -0.24 5.59 6.85 -16
Total Cost of Revenue		 8.77 9.87 9.54 9.54 9.33 8.95 8.89 10 10 82 0.00
Operating Cost of Revenue		 8.77 9.87 9.54 9.54 9.33 8.95 8.89 10 10 - -
Total Operating Expenses		 98 94 100 96 82 117 79 75 74 74 0.83
Selling, General & Admin Expense		 77 88 86 92 83 95 79 90 83 110 91
Amortization Expense		 6.39 7.28 6.72 6.52 6.79 7.52 8.29 6.59 7.66 7.52 6.47
Other Operating Expenses / (Income)		 15 -0.62 6.89 -1.75 -7.03 4.17 -8.14 -22 -17 -44 -97
Total Other Income / (Expense), net		 -22 -23 -29 -27 -29 -23 -23 -22 -21 45 -40
Interest Expense		 22 23 29 27 29 23 23 22 21 22 21
Income Tax Expense		 44 41 44 36 46 37 44 37 46 41 57
Basic Earnings per Share		 $0.99 $0.98 $1.00 $0.99 $0.99 $0.90 $0.99 $0.92 $1.00 $1.02 $1.22
Weighted Average Basic Shares Outstanding		 145.62M 152.47M 151.85M 153.11M 153.82M 158.14M 158.46M 159.01M 158.30M 167.93M 162.51M
Diluted Earnings per Share		 $0.98 $0.97 $0.99 $0.98 $0.98 $0.90 $0.98 $0.91 $0.98 $0.99 $1.20
Weighted Average Diluted Shares Outstanding		 147.73M 154.19M 153.07M 154.40M 155.97M 160.13M 160.15M 160.74M 161.35M 170.66M 164.74M
Weighted Average Basic & Diluted Shares Outstanding		 134.33M 145.06M 148.93M 150.42M 150.58M 151.50M 153.16M 157.43M 156.35M 0.00 314.05M
Cash Dividends to Common per Share		 $0.26 - $0.25 $0.25 $0.25 - $0.23 $0.23 $0.23 - $0.20

Annual Cash Flow Statements for Radian Group

This table details how cash moves in and out of Radian Group's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015
Net Change in Cash & Equivalents		 21 -36 -96 58 1,836 2,052 11 34 1.92 15
Net Cash From Operating Activities		 -664 529 388 557 1,836 2,052 678 361 382 12
Net Cash From Continuing Operating Activities		 -664 529 388 557 1,836 2,052 678 361 382 13
Net Income / (Loss) Continuing Operations		 604 603 743 601 394 672 606 121 308 282
Consolidated Net Income / (Loss)		 604 603 743 601 479 849 606 121 308 287
Depreciation Expense		 79 74 72 72 - - 57 58 58 69
Amortization Expense		 0.00 15 4.31 3.45 31 25 12 28 13 13
Non-Cash Adjustments To Reconcile Net Income		 -1,328 -115 -21 -179 85 194 60 248 14 111
Changes in Operating Assets and Liabilities, net		 -19 -48 -410 60 1,240 984 -57 -95 -12 -461
Net Cash From Investing Activities		 328 -301 -5.18 -1.86 0.00 0.00 -689 -201 -176 2.79
Net Cash From Continuing Investing Activities		 328 -301 -5.18 -1.86 0.00 0.00 -689 -201 -176 -2.21
Purchase of Property, Plant & Equipment		 -3.17 -16 -18 -13 - - -26 -29 -36 -25
Purchase of Investments		 -1,368 -942 -1,440 -2,086 - - -1,944 -2,161 -1,991 -1,562
Sale and/or Maturity of Investments		 1,631 657 1,459 2,090 - - 1,232 1,909 1,725 571
Other Investing Activities, net		 68 -0.05 -6.89 6.13 - - 57 80 124 222
Net Cash From Financing Activities		 357 -265 -479 -497 0.00 0.00 22 -125 -203 0.60
Net Cash From Continuing Financing Activities		 357 -265 -479 -497 0.00 0.00 22 -125 -203 0.60
Repayment of Debt		 -1,432 -799 -378 -38 - - -23 -596 -445 -156
Repurchase of Common Equity		 -225 -133 -400 -399 - - -50 -0.01 -100 -202
Payment of Dividends		 -152 -146 -135 -103 - - -2.14 -2.15 -2.11 -2.00
Issuance of Debt		 2,189 762 382 42 - - 96 462 343 343
Issuance of Common Equity		 0.93 1.76 1.34 1.38 - - 1.39 7.13 0.72 1.29
Other Financing Activities, net		 -24 50 51 - - - 0.00 4.21 0.33 16
Cash Interest Paid		 108 87 79 79 - - 57 57 66 61
Cash Income Taxes Paid		 173 154 244 144 - - 8.36 94 -0.67 3.71

Quarterly Cash Flow Statements for Radian Group

This table details how cash moves in and out of Radian Group's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Change in Cash & Equivalents		 -13 11 14 38 -42 -37 -5.67 128 -123 283 -185
Net Cash From Operating Activities		 68 -269 -238 -207 51 265 75 72 117 106 105
Net Cash From Continuing Operating Activities		 68 -269 -238 -156 0.00 265 75 189 0.00 388 -
Net Income / (Loss) Continuing Operations		 145 148 152 304 0.00 143 157 304 0.00 743 -
Consolidated Net Income / (Loss)		 145 148 152 - - 143 157 - - - -
Depreciation Expense		 14 26 19 - - 30 13 - - - -
Non-Cash Adjustments To Reconcile Net Income		 -135 -452 -436 - - 53 -84 - - - -
Changes in Operating Assets and Liabilities, net		 44 8.10 28 - - 27 -12 - - - -
Net Cash From Investing Activities		 106 35 367 -1.04 -73 -111 -99 -59 -31 -54 36
Net Cash From Continuing Investing Activities		 106 35 367 -1.04 -73 -111 -99 -59 -31 -54 36
Purchase of Property, Plant & Equipment		 -1.21 -0.34 -0.21 -1.07 -1.56 -1.89 -4.28 -5.33 -4.79 -5.52 -4.66
Purchase of Investments		 -280 -343 -264 -432 -329 -140 -216 -284 -302 -178 -347
Sale and/or Maturity of Investments		 348 321 622 431 257 27 124 230 276 136 387
Other Investing Activities, net		 39 58 8.55 1.41 -0.18 2.90 -2.75 -0.03 -0.17 -6.35 0.26
Net Cash From Financing Activities		 -187 245 -115 195 31 -190 19 -1.27 -92 -52 -221
Net Cash From Continuing Financing Activities		 -187 245 -115 195 31 -190 19 -1.27 -92 -52 -221
Repayment of Debt		 -288 431 -1,097 -121 -645 -495 -250 -1.29 -53 -413 -2.60
Repurchase of Common Equity		 -209 -76 -49 -50 -50 -63 -50 -5.00 -15 -13 -200
Payment of Dividends		 -37 -37 -37 -41 -38 -35 -36 -40 -36 -32 -32
Issuance of Debt		 336 -82 1,101 406 763 372 335 44 11 355 13
Issuance of Common Equity		 0.11 - 0.04 0.43 0.46 0.22 0.02 0.53 0.98 0.22 0.55
Other Financing Activities, net		 10 8.82 - - - 30 - - - - -

Annual Balance Sheets for Radian Group

This table presents Radian Group's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015
Total Assets		 8,664 7,594 7,064 7,839 7,948 6,808 6,315 5,901 5,863 5,642
Total Current Assets		 6,770 6,849 6,308 6,956 6,848 5,714 5,205 4,043 4,601 4,419
Cash & Equivalents		 39 19 56 151 88 93 95 81 52 47
Restricted Cash		 2.65 1.07 0.38 1.48 6.23 3.55 12 16 9.67 13
Short-Term Investments		 5,679 5,955 5,535 6,325 6,632 5,524 5,019 3,874 4,461 4,297
Accounts Receivable		 128 124 120 124 121 94 79 73 78 62
Current Deferred & Refundable Income Taxes		 921 750 596 354 - - - - - -
Plant, Property, & Equipment, net		 28 64 71 75 80 0.00 0.00 0.00 0.00 0.00
Total Noncurrent Assets		 1,866 681 685 808 1,020 1,094 1,110 1,858 1,262 1,223
Long-Term Investments		 666 176 158 188 156 134 134 770 1.20 1.71
Other Noncurrent Operating Assets		 1,200 504 511 600 841 931 785 794 573 354
Total Liabilities & Shareholders' Equity		 8,664 7,594 7,064 7,839 7,948 6,808 6,315 5,901 5,863 5,642
Total Liabilities		 4,040 3,196 3,144 3,580 3,664 2,760 2,826 2,901 2,991 3,145
Total Current Liabilities		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Noncurrent Liabilities		 4,040 3,196 3,144 3,580 3,664 2,760 2,826 2,901 2,991 3,145
Long-Term Debt		 1,604 1,537 1,569 1,560 1,406 887 1,030 1,027 1,070 1,219
Asset Retirement Reserve & Litigation Obligation		 360 370 427 829 848 405 401 508 760 976
Noncurrent Deferred & Payable Income Tax Liabilities		 747 590 391 338 214 - - - - -
Other Noncurrent Operating Liabilities		 1,329 699 757 854 1,196 1,468 1,394 1,366 1,161 949
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 4,624 4,398 3,919 4,259 4,284 4,049 3,489 3,000 2,872 2,497
Total Preferred & Common Equity		 4,624 4,398 3,919 4,259 4,284 4,049 3,489 3,000 2,872 2,497
Total Common Equity		 4,624 4,398 3,919 4,259 4,284 4,049 3,489 3,000 2,872 2,497
Common Stock		 1,247 1,431 1,520 1,879 2,246 2,450 2,725 2,755 2,780 2,717
Retained Earnings		 4,695 4,244 3,787 3,181 2,685 2,390 1,720 1,116 998 692
Treasury Stock		 -968 -946 -931 -921 -910 -902 -895 -894 -893 -893
Accumulated Other Comprehensive Income / (Loss)		 -350 -331 -457 120 264 110 -61 23 -12 -18

Quarterly Balance Sheets for Radian Group

This table presents Radian Group's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q1 2025 Q3 2024 Q2 2024 Q1 2024 Q3 2023 Q2 2023 Q1 2023 Q3 2022
Period end date 3/31/2025 9/30/2024 6/30/2024 3/31/2024 9/30/2023 6/30/2023 3/31/2023 9/30/2022
Total Assets		 8,765 8,420 8,130 7,760 7,379 7,307 7,204 6,986
Total Current Assets		 6,793 6,853 6,971 6,925 6,528 6,562 6,434 6,058
Cash & Equivalents		 24 28 14 27 55 61 50 55
Restricted Cash		 4.17 2.01 1.99 1.83 1.31 1.32 0.58 1.11
Short-Term Investments		 5,716 5,814 5,979 6,016 5,630 5,698 5,657 5,302
Accounts Receivable		 128 138 138 130 145 138 130 174
Current Deferred & Refundable Income Taxes		 921 870 838 750 697 663 596 526
Plant, Property, & Equipment, net		 26 42 56 61 75 74 72 76
Total Noncurrent Assets		 1,947 1,525 1,103 774 776 671 698 852
Long-Term Investments		 398 733 656 358 301 241 223 290
Other Noncurrent Operating Assets		 1,549 792 446 417 463 417 461 545
Total Liabilities & Shareholders' Equity		 8,765 8,420 8,130 7,760 7,379 7,307 7,204 6,986
Total Liabilities		 4,179 3,721 3,647 3,320 3,226 3,136 3,098 3,248
Total Current Liabilities		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Noncurrent Liabilities		 4,179 3,721 3,647 3,320 3,226 3,136 3,098 3,248
Long-Term Debt		 1,339 1,617 1,998 1,720 1,658 1,594 1,536 1,412
Asset Retirement Reserve & Litigation Obligation		 375 363 357 362 368 379 406 484
Noncurrent Deferred & Payable Income Tax Liabilities		 804 738 656 626 498 480 456 335
Other Noncurrent Operating Liabilities		 1,661 1,003 635 611 702 682 701 1,016
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 4,587 4,699 4,482 4,440 4,153 4,171 4,106 3,738
Total Preferred & Common Equity		 4,587 4,699 4,482 4,440 4,153 4,171 4,106 3,738
Total Common Equity		 4,587 4,699 4,482 4,440 4,153 4,171 4,106 3,738
Common Stock		 1,049 1,315 1,357 1,391 1,483 1,523 1,516 1,514
Retained Earnings		 4,802 4,584 4,470 4,358 4,137 4,016 3,908 3,657
Treasury Stock		 -969 -968 -967 -946 -946 -945 -931 -930
Accumulated Other Comprehensive Income / (Loss)		 -295 -233 -377 -362 -521 -424 -387 -502

Annual Metrics And Ratios for Radian Group

This table displays calculated financial ratios and metrics derived from Radian Group's official financial filings.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 4.01% 4.19% -10.47% -7.55% -5.79% 19.95% 4.21% -1.36% 3.79% 11.24%
EBITDA Growth		 1.26% -15.06% 20.46% 66.38% -37.51% 14.22% 64.49% -22.10% 4.14% 8.34%
EBIT Growth		 2.58% -17.36% 22.15% 54.23% -39.18% 21.41% 82.10% -27.50% 6.78% 6.29%
NOPAT Growth		 2.30% -16.71% 21.27% 47.53% -36.95% 8.54% 361.85% -60.27% 5.83% -77.91%
Net Income Growth		 0.22% -18.82% 23.68% 52.60% -41.45% 10.94% 400.47% -60.72% 7.43% -70.10%
EPS Growth		 3.98% -13.33% 37.66% 58.00% -37.50% 15.52% 403.64% -59.85% 12.30% -70.67%
Operating Cash Flow Growth		 -225.34% 36.35% -30.30% -34.33% -10.54% 202.75% 87.97% -5.54% 3,156.75% 108.01%
Free Cash Flow Firm Growth		 0.51% 181.56% -22.26% -66.58% 3.81% 15.51% 151.54% -8.84% 356.87% -390.25%
Invested Capital Growth		 26.44% 17.20% 69.14% 30.96% -45.58% -10.56% -3.91% -22.43% 9.31% 41.57%
Revenue Q/Q Growth		 -0.95% 1.13% -1.95% -2.31% -1.25% 3.85% 1.08% 3.69% -0.04% -1.66%
EBITDA Q/Q Growth		 0.35% 12.24% -3.91% 20.51% -14.68% 1.76% 5.88% 23.66% 4.03% 9.56%
EBIT Q/Q Growth		 1.05% 5.45% -7.59% 14.56% -12.95% 2.93% 1.69% 18.73% -1.85% 2.10%
NOPAT Q/Q Growth		 0.76% 5.25% -7.28% 13.02% -11.12% 2.66% 28.04% -33.84% -4.61% -75.57%
Net Income Q/Q Growth		 0.93% -3.15% -4.02% 8.18% -3.24% 3.29% 28.11% -30.95% -4.18% -55.22%
EPS Q/Q Growth		 1.82% -2.33% -1.36% 10.49% -2.91% 5.96% 27.06% -29.49% -3.52% -54.31%
Operating Cash Flow Q/Q Growth		 -413.60% 42.85% -10.93% 0.00% 0.00% 196.25% 6.89% 15.31% 24.37% -82.80%
Free Cash Flow Firm Q/Q Growth		 -17.79% 96.73% -83.70% -51.32% 407.74% 4.03% -1.68% 257.05% 15.08% -294.19%
Invested Capital Q/Q Growth		 39.11% -22.47% 47.42% 0.00% 0.00% -5.45% -4.24% -35.43% 12.56% 17.93%
Profitability Metrics		 - - - - - - - - - -
Gross Margin		 97.03% 96.90% 93.08% 92.20% 94.02% 92.91% 92.29% 91.44% 90.78% 92.15%
EBITDA Margin		 74.25% 76.26% 93.54% 69.53% 40.43% 60.95% 64.00% 40.55% 51.34% 51.17%
Operating Margin		 68.15% 69.09% 87.11% 63.85% 38.27% 59.29% 58.58% 33.52% 45.61% 44.33%
EBIT Margin		 68.15% 69.09% 87.11% 63.85% 38.27% 59.29% 58.58% 33.52% 45.61% 44.33%
Profit (Net Income) Margin		 46.85% 48.62% 62.39% 45.17% 27.36% 44.03% 47.60% 9.91% 24.89% 24.05%
Tax Burden Percent		 78.37% 78.58% 77.98% 78.54% 82.10% 79.19% 88.57% 34.92% 63.73% 65.53%
Interest Burden Percent		 87.72% 89.54% 91.86% 90.07% 87.08% 93.78% 91.75% 84.67% 85.64% 82.78%
Effective Tax Rate		 21.63% 21.42% 22.02% 21.46% 17.90% 20.81% 11.43% 65.08% 36.27% 35.70%
Return on Invested Capital (ROIC)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Equity (ROE)		 13.40% 14.50% 18.17% 14.06% 9.45% 17.84% 18.68% 4.12% 11.48% 12.29%
Cash Return on Invested Capital (CROIC)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Return on Assets (OROA)		 10.82% 11.70% 13.92% 10.76% 7.46% 13.80% 12.21% 6.96% 9.82% 8.47%
Return on Assets (ROA)		 7.44% 8.23% 9.97% 7.61% 5.34% 10.25% 9.92% 2.06% 5.36% 4.60%
Return on Common Equity (ROCE)		 13.40% 14.50% 18.17% 14.06% 9.45% 17.84% 18.68% 4.12% 11.48% 12.09%
Return on Equity Simple (ROE_SIMPLE)		 13.07% 13.71% 18.96% 14.10% 9.19% 16.61% 17.37% 4.04% 10.73% 11.49%
Net Operating Profit after Tax (NOPAT)		 689 674 809 667 452 717 660 143 360 340
NOPAT Margin		 53.41% 54.30% 67.92% 50.15% 31.42% 46.95% 51.88% 11.71% 29.07% 28.50%
Net Nonoperating Expense Percent (NNEP)		 -1.80% -1.60% -1.42% -1.25% -1.13% -0.98% -1.37% -0.61% -1.57% -1.66%
Return On Investment Capital (ROIC_SIMPLE)		 11.07% 11.35% 14.74% - 7.94% 14.52% 14.62% - - -
Cost of Revenue to Revenue		 2.97% 3.10% 6.92% 7.80% 5.98% 7.09% 7.71% 8.56% 9.22% 7.85%
SG&A Expenses to Revenue		 26.96% 28.02% 32.01% 24.34% 19.51% 20.05% 22.06% 21.88% 19.77% 20.31%
R&D to Revenue		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Expenses to Revenue		 28.89% 27.80% 5.97% 28.35% 55.75% 33.62% 33.72% 57.92% 45.17% 47.82%
Earnings before Interest and Taxes (EBIT)		 879 857 1,037 849 551 905 746 409 565 529
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 958 946 1,114 925 582 931 815 495 636 611
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 1.02 0.96 0.71 0.81 0.79 1.06 0.85 1.28 1.16 0.96
Price to Tangible Book Value (P/TBV)		 1.02 0.96 0.72 0.82 0.79 1.07 0.86 1.31 1.28 1.08
Price to Revenue (P/Rev)		 3.66 3.42 2.35 2.60 2.35 2.81 2.32 3.15 2.69 2.01
Price to Earnings (P/E)		 7.82 7.03 3.77 5.76 8.59 6.38 4.88 31.75 10.82 8.34
Dividend Yield		 3.09% 3.25% 4.49% 2.82% 2.83% 0.05% 0.07% 0.06% 0.06% 0.09%
Earnings Yield		 12.79% 14.22% 26.54% 17.35% 11.64% 15.67% 20.50% 3.15% 9.24% 11.99%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to Revenue (EV/Rev)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.11 0.00 0.00
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.27 0.00 0.00
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.32 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.92 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.36 0.00 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.48 0.00 0.00
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.35 0.35 0.40 0.37 0.33 0.22 0.30 0.34 0.37 0.49
Long-Term Debt to Equity		 0.35 0.35 0.40 0.37 0.33 0.22 0.30 0.34 0.37 0.49
Financial Leverage		 -1.04 -1.06 -1.14 -1.24 -1.24 -1.21 -1.22 -1.22 -1.23 -1.37
Leverage Ratio		 1.80 1.76 1.82 1.85 1.77 1.74 1.88 2.00 2.14 2.67
Compound Leverage Factor		 1.58 1.58 1.67 1.66 1.54 1.63 1.73 1.70 1.84 2.21
Debt to Total Capital		 25.75% 25.90% 28.59% 26.82% 24.70% 17.97% 22.80% 25.50% 27.13% 32.81%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 25.75% 25.90% 28.59% 26.82% 24.70% 17.97% 22.80% 25.50% 27.13% 32.81%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 74.25% 74.10% 71.41% 73.18% 75.30% 82.03% 77.20% 74.50% 72.87% 67.19%
Debt to EBITDA		 1.67 1.62 1.41 1.69 2.42 0.95 1.26 2.07 1.68 2.00
Net Debt to EBITDA		 -4.99 -4.88 -3.75 -5.52 -9.42 -5.23 -5.19 -7.50 -5.43 -5.14
Long-Term Debt to EBITDA		 1.67 1.62 1.41 1.69 2.42 0.95 1.26 2.07 1.68 2.00
Debt to NOPAT		 2.33 2.28 1.94 2.34 3.11 1.24 1.56 7.18 2.97 3.59
Net Debt to NOPAT		 -6.94 -6.85 -5.17 -7.66 -12.12 -6.79 -6.40 -25.96 -9.60 -9.23
Long-Term Debt to NOPAT		 2.33 2.28 1.94 2.34 3.11 1.24 1.56 7.18 2.97 3.59
Altman Z-Score		 2.88 3.20 3.01 2.74 2.47 3.09 2.59 2.32 2.38 2.09
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 1.60%
Liquidity Ratios		 - - - - - - - - - -
Current Ratio		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Quick Ratio		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 632 629 223 287 825 795 688 274 300 -117
Operating Cash Flow to CapEx		 -20,913.08% 3,251.85% 2,197.25% 4,421.17% 0.00% 0.00% 2,606.07% 1,257.41% 1,154.88% 133.97%
Free Cash Flow to Firm to Interest Expense		 5.85 7.01 2.64 3.41 11.60 14.12 11.19 4.36 3.70 -1.28
Operating Cash Flow to Interest Expense		 -6.14 5.90 4.60 6.61 25.80 36.44 11.02 5.75 4.71 0.13
Operating Cash Flow Less CapEx to Interest Expense		 -6.17 5.72 4.39 6.46 25.80 36.44 10.60 5.29 4.30 0.03
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.16 0.17 0.16 0.17 0.20 0.23 0.21 0.21 0.22 0.19
Accounts Receivable Turnover		 10.24 10.18 9.77 10.84 13.39 17.73 16.84 16.27 17.77 16.18
Inventory Turnover		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover		 28.22 18.41 16.30 17.10 0.00 0.00 0.00 0.00 0.00 0.00
Accounts Payable Turnover		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Days Sales Outstanding (DSO)		 35.64 35.85 37.37 33.66 27.26 20.59 21.68 22.44 20.54 22.56
Days Inventory Outstanding (DIO)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Days Payable Outstanding (DPO)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Cash Conversion Cycle (CCC)		 35.64 35.85 37.37 33.66 27.26 20.59 21.68 22.44 20.54 22.56
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 -159 -216 -261 -847 -1,193 -819 -741 -713 -582 -642
Invested Capital Turnover		 -6.87 -5.19 -2.15 -1.28 -1.43 -1.96 -1.75 -1.89 -2.02 -1.37
Increase / (Decrease) in Invested Capital		 57 45 586 380 -373 -78 -28 -131 60 457
Enterprise Value (EV)		 -59 -373 -1,381 -1,644 -2,095 -579 -1,273 132 -120 -745
Market Capitalization		 4,724 4,241 2,800 3,462 3,382 4,289 2,957 3,845 3,334 2,394
Book Value per Share		 $31.05 $28.71 $24.96 $23.75 $22.37 $20.13 $16.35 $13.92 $13.40 $12.07
Tangible Book Value per Share		 $31.05 $28.71 $24.86 $23.64 $22.25 $19.99 $16.08 $13.62 $12.11 $10.67
Total Capital		 6,227 5,935 5,489 5,819 5,690 4,936 4,519 4,027 3,942 3,716
Total Debt		 1,604 1,537 1,569 1,560 1,406 887 1,030 1,027 1,070 1,219
Total Long-Term Debt		 1,604 1,537 1,569 1,560 1,406 887 1,030 1,027 1,070 1,219
Net Debt		 -4,783 -4,614 -4,181 -5,106 -5,477 -4,868 -4,230 -3,713 -3,455 -3,139
Capital Expenditures (CapEx)		 3.17 16 18 13 0.00 0.00 26 29 33 8.75
Debt-free, Cash-free Net Working Capital (DFCFNWC)		 1,049 874 716 478 121 94 79 73 78 62
Debt-free Net Working Capital (DFNWC)		 6,770 6,849 6,308 6,956 6,848 5,714 5,205 4,043 4,601 4,419
Net Working Capital (NWC)		 6,770 6,849 6,308 6,956 6,848 5,714 5,205 4,043 4,601 4,419
Net Nonoperating Expense (NNE)		 85 70 66 66 58 45 54 22 52 53
Net Nonoperating Obligations (NNO)		 -4,783 -4,614 -4,181 -5,106 -5,477 -4,868 -4,230 -3,713 -3,455 -3,139
Total Depreciation and Amortization (D&A)		 79 89 77 75 31 25 69 86 71 82
Debt-free, Cash-free Net Working Capital to Revenue		 81.31% 70.46% 60.15% 35.95% 8.43% 6.13% 6.18% 5.94% 6.27% 5.17%
Debt-free Net Working Capital to Revenue		 524.68% 552.11% 529.78% 523.03% 475.99% 374.23% 408.85% 330.97% 371.49% 370.30%
Net Working Capital to Revenue		 524.68% 552.11% 529.78% 523.03% 475.99% 374.23% 408.85% 330.97% 371.49% 370.30%
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $3.96 $3.81 $0.00 $0.00 $2.01 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic Shares Outstanding		 152.47M 158.14M 0.00 0.00 195.44M 0.00 0.00 0.00 0.00 0.00
Adjusted Diluted Earnings per Share		 $3.92 $3.77 $0.00 $0.00 $2.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Diluted Shares Outstanding		 154.19M 160.13M 0.00 0.00 196.64M 0.00 0.00 0.00 0.00 0.00
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 145.06M 151.50M 0.00 0.00 191.69M 0.00 0.00 0.00 0.00 0.00
Normalized Net Operating Profit after Tax (NOPAT)		 689 681 809 667 452 739 666 464 360 401
Normalized NOPAT Margin		 53.41% 54.92% 67.92% 50.15% 31.42% 48.38% 52.30% 37.97% 29.07% 33.58%
Pre Tax Income Margin		 59.78% 61.86% 80.02% 57.51% 33.33% 55.60% 53.75% 28.38% 39.06% 36.69%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 8.14 9.56 12.28 10.07 7.74 16.08 12.13 6.52 6.96 5.81
NOPAT to Interest Expense		 6.38 7.51 9.58 7.91 6.35 12.73 10.74 2.28 4.44 3.73
EBIT Less CapEx to Interest Expense		 8.11 9.38 12.07 9.92 7.74 16.08 11.70 6.07 6.55 5.71
NOPAT Less CapEx to Interest Expense		 6.35 7.33 9.37 7.76 6.35 12.73 10.32 1.82 4.03 3.64
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 25.14% 24.19% 18.23% 17.20% 0.00% 0.00% 0.35% 1.78% 0.68% 0.70%
Augmented Payout Ratio		 62.38% 46.30% 72.10% 83.64% 0.00% 0.00% 8.61% 1.78% 33.18% 71.10%

Quarterly Metrics And Ratios for Radian Group

This table displays calculated financial ratios and metrics derived from Radian Group's official financial filings.

Metric Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -0.54% -3.75% 6.68% 10.90% 3.09% 4.42% 5.51% 0.96% 5.76% -6.99% -9.08%
EBITDA Growth		 -7.09% -2.65% 1.70% 5.04% 0.59% 47.02% -15.57% -26.58% -11.17% -36.05% 74.22%
EBIT Growth		 -7.55% 4.49% 0.02% 5.24% 1.00% 27.94% -18.93% -27.16% -11.58% -34.92% 71.15%
NOPAT Growth		 -7.53% 3.25% -0.20% 6.26% 0.17% 27.15% -23.79% -30.40% -19.44% -33.78% 81.35%
Net Income Growth		 -5.12% 3.92% -3.00% 3.98% -3.42% -12.10% -21.03% -27.39% -12.90% -16.08% 56.85%
EPS Growth		 0.00% 7.78% 1.02% 7.69% 0.00% -9.09% -18.33% -20.87% -2.97% -5.71% 79.10%
Operating Cash Flow Growth		 32.84% -201.68% -416.27% -386.02% -56.29% 149.61% -28.56% 20.43% 0.09% -30.99% -17.35%
Free Cash Flow Firm Growth		 6.18% -6.06% 277.83% 136.22% 126.53% 125.31% -120.06% -132.13% -141.56% -143.58% 474.64%
Invested Capital Growth		 10.49% 26.44% -47.95% 27.57% 16.10% 17.20% 64.45% 66.30% 69.50% 69.14% 0.00%
Revenue Q/Q Growth		 0.43% -5.12% 3.81% 0.54% -2.50% 5.16% 7.92% -6.54% -1.55% 6.26% 3.26%
EBITDA Q/Q Growth		 -5.44% -2.16% 9.64% -5.45% 16.90% 2.22% 13.24% -9.46% 40.28% -41.30% -1.53%
EBIT Q/Q Growth		 -0.75% -5.44% 4.24% -5.49% 17.93% -9.49% 9.68% -9.30% 42.09% -42.65% -1.45%
NOPAT Q/Q Growth		 -2.90% -4.63% 0.36% -0.50% 13.98% -7.81% 6.85% -6.20% 37.61% -44.74% -2.42%
Net Income Q/Q Growth		 -2.52% -2.37% -0.01% -0.30% 6.77% -8.87% 7.18% -7.40% -2.82% -18.13% -1.45%
EPS Q/Q Growth		 1.03% -2.02% 1.02% 0.00% 8.89% -8.16% 7.69% -7.14% -1.01% -17.50% 4.35%
Operating Cash Flow Q/Q Growth		 125.17% -13.24% -14.78% -506.08% -80.74% 252.21% 3.80% -37.94% 10.01% 0.81% 74.99%
Free Cash Flow Firm Q/Q Growth		 24.76% -57.90% 138.26% -15.15% 105.16% 179.69% 51.47% 37.85% -5.29% -163.16% -22.27%
Invested Capital Q/Q Growth		 -36.09% 39.11% -53.11% 29.46% -41.85% -22.47% 25.04% 18.29% -10.38% 47.42% 28.93%
Profitability Metrics		 - - - - - - - - - - -
Gross Margin		 97.24% 96.88% 97.14% 97.03% 97.08% 97.28% 97.16% 96.46% 96.64% 73.83% 100.00%
EBITDA Margin		 70.79% 75.18% 72.91% 69.04% 73.41% 74.34% 76.48% 72.89% 75.23% 52.80% 95.58%
Operating Margin		 66.26% 67.05% 67.28% 67.01% 71.28% 61.76% 71.76% 70.61% 72.76% 50.41% 99.72%
EBIT Margin		 66.26% 67.05% 67.28% 67.01% 71.28% 61.76% 71.76% 70.61% 72.76% 50.41% 93.40%
Profit (Net Income) Margin		 45.50% 46.88% 45.56% 47.30% 47.70% 43.42% 50.10% 50.45% 50.91% 51.58% 66.94%
Tax Burden Percent		 76.71% 78.41% 77.74% 80.75% 76.70% 79.35% 77.91% 79.97% 77.33% 79.85% 77.62%
Interest Burden Percent		 89.52% 89.17% 87.10% 87.42% 87.24% 88.59% 89.62% 89.34% 90.49% 128.13% 92.34%
Effective Tax Rate		 23.29% 21.59% 22.26% 19.25% 23.30% 20.65% 22.09% 20.03% 22.67% 20.15% 22.38%
Return on Invested Capital (ROIC)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Equity (ROE)		 13.22% 13.40% 13.53% 13.95% 13.99% 14.50% 15.78% 16.40% 17.44% 18.17% 20.71%
Cash Return on Invested Capital (CROIC)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Return on Assets (OROA)		 10.33% 10.64% 11.10% 11.13% 11.91% 10.46% 12.26% 11.72% 11.86% 8.06% 16.24%
Return on Assets (ROA)		 7.10% 7.44% 7.51% 7.86% 7.97% 7.35% 8.56% 8.38% 8.30% 8.24% 11.64%
Return on Common Equity (ROCE)		 13.22% 13.40% 13.53% 13.95% 13.99% 14.50% 15.78% 16.40% 17.44% 18.17% 20.71%
Return on Equity Simple (ROE_SIMPLE)		 13.01% 0.00% 12.74% 13.46% 13.46% 0.00% 15.00% 15.93% 17.52% 0.00% 20.71%
Net Operating Profit after Tax (NOPAT)		 161 166 174 174 175 161 175 164 174 127 229
NOPAT Margin		 50.83% 52.58% 52.30% 54.10% 54.67% 49.01% 55.91% 56.47% 56.26% 40.25% 77.40%
Net Nonoperating Expense Percent (NNEP)		 -0.36% -0.38% -0.48% -0.48% -0.49% -0.42% -0.42% -0.39% -0.35% 0.77% -1.46%
Return On Investment Capital (ROIC_SIMPLE)		 2.73% 2.67% - - - 2.71% - - - 2.31% -
Cost of Revenue to Revenue		 2.76% 3.12% 2.86% 2.97% 2.92% 2.72% 2.84% 3.54% 3.36% 26.17% 0.00%
SG&A Expenses to Revenue		 24.19% 27.73% 25.77% 28.54% 25.87% 28.97% 25.34% 31.04% 26.87% 34.88% 30.83%
R&D to Revenue		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Expenses to Revenue		 30.98% 29.83% 29.85% 30.03% 25.80% 35.51% 25.39% 25.84% 23.88% 23.42% 0.28%
Earnings before Interest and Taxes (EBIT)		 211 212 224 215 228 203 224 204 225 159 277
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 225 238 243 222 234 244 239 211 233 166 283
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.05 1.02 1.11 1.04 1.15 0.96 0.92 0.92 0.81 0.71 0.78
Price to Tangible Book Value (P/TBV)		 1.05 1.02 1.11 1.04 1.15 0.96 0.92 0.92 0.81 0.72 0.79
Price to Revenue (P/Rev)		 3.72 3.66 4.01 3.65 4.07 3.42 3.12 3.16 2.76 2.35 2.41
Price to Earnings (P/E)		 8.04 7.82 8.71 7.76 8.51 7.03 6.15 5.75 4.62 3.77 3.78
Dividend Yield		 2.99% 3.09% 2.77% 3.02% 2.77% 3.25% 3.60% 3.48% 3.90% 4.49% 4.09%
Earnings Yield		 12.44% 12.79% 11.48% 12.89% 11.75% 14.22% 16.27% 17.39% 21.62% 26.54% 26.47%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to Revenue (EV/Rev)		 0.00 0.00 0.20 0.02 0.32 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 0.27 0.03 0.46 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.30 0.03 0.47 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.38 0.04 0.60 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 0.00 0.16 0.87 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.34 0.05 0.65 0.00 0.00 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.29 0.35 0.34 0.45 0.39 0.35 0.40 0.38 0.37 0.40 0.38
Long-Term Debt to Equity		 0.29 0.35 0.34 0.45 0.39 0.35 0.40 0.38 0.37 0.40 0.38
Financial Leverage		 -1.05 -1.04 -1.05 -1.05 -1.06 -1.06 -1.09 -1.12 -1.15 -1.14 -1.13
Leverage Ratio		 1.83 1.80 1.78 1.78 1.75 1.76 1.82 1.80 1.80 1.82 1.87
Compound Leverage Factor		 1.64 1.61 1.55 1.56 1.53 1.56 1.63 1.61 1.62 2.34 1.73
Debt to Total Capital		 22.59% 25.75% 25.60% 30.84% 27.93% 25.90% 28.54% 27.66% 27.22% 28.59% 27.42%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 22.59% 25.75% 25.60% 30.84% 27.93% 25.90% 28.54% 27.66% 27.22% 28.59% 27.42%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 77.41% 74.25% 74.40% 69.16% 72.07% 74.10% 71.46% 72.34% 72.78% 71.41% 72.57%
Debt to EBITDA		 1.42 1.67 1.69 2.10 1.94 1.62 1.97 1.75 1.52 1.41 1.22
Net Debt to EBITDA		 -5.11 -4.99 -5.20 -4.89 -5.27 -4.88 -5.14 -4.83 -4.35 -3.75 -3.65
Long-Term Debt to EBITDA		 1.42 1.67 1.69 2.10 1.94 1.62 1.97 1.75 1.52 1.41 1.22
Debt to NOPAT		 1.98 2.33 2.36 2.92 2.55 2.28 2.59 2.30 2.00 1.94 1.62
Net Debt to NOPAT		 -7.11 -6.94 -7.25 -6.80 -6.95 -6.85 -6.77 -6.34 -5.73 -5.17 -4.86
Long-Term Debt to NOPAT		 1.98 2.33 2.36 2.92 2.55 2.28 2.59 2.30 2.00 1.94 1.62
Altman Z-Score		 2.61 2.63 2.82 2.81 3.03 2.91 2.82 2.84 2.75 2.60 2.62
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Current Ratio		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Quick Ratio		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 136 109 259 109 128 116 -146 -300 -483 -459 726
Operating Cash Flow to CapEx		 5,608.44% -78,776.32% -114,936.72% -19,444.84% 3,276.25% 14,048.67% 1,756.82% 1,360.45% 2,439.99% 1,921.96% 2,257.68%
Free Cash Flow to Firm to Interest Expense		 6.05 4.85 8.82 4.02 4.41 5.01 -6.26 -13.77 -22.53 -21.25 34.29
Operating Cash Flow to Interest Expense		 3.01 -11.97 -8.10 -7.66 1.76 11.44 3.23 3.32 5.45 4.92 4.97
Operating Cash Flow Less CapEx to Interest Expense		 2.96 -11.98 -8.10 -7.70 1.70 11.35 3.05 3.08 5.22 4.66 4.75
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.16 0.16 0.16 0.17 0.17 0.17 0.17 0.17 0.16 0.16 0.17
Accounts Receivable Turnover		 10.00 10.24 9.20 9.28 9.63 10.18 7.70 7.94 8.87 9.77 6.98
Inventory Turnover		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover		 29.93 28.22 22.37 19.68 18.85 18.41 16.32 16.27 16.39 16.30 16.03
Accounts Payable Turnover		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Days Sales Outstanding (DSO)		 36.52 35.64 39.66 39.33 37.91 35.85 47.41 45.96 41.13 37.37 52.31
Days Inventory Outstanding (DIO)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Days Payable Outstanding (DPO)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Cash Conversion Cycle (CCC)		 36.52 35.64 39.66 39.33 37.91 35.85 47.41 45.96 41.13 37.37 52.31
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 -217 -159 -261 -171 -242 -216 -177 -236 -289 -261 -497
Invested Capital Turnover		 -5.62 -6.87 -5.95 -6.31 -4.71 -5.19 -3.64 -2.59 -1.96 -2.15 -4.89
Increase / (Decrease) in Invested Capital		 25 57 -85 65 46 45 320 464 657 586 -497
Enterprise Value (EV)		 -6.27 -59 258 30 405 -373 -503 -586 -1,067 -1,381 -1,311
Market Capitalization		 4,797 4,724 5,218 4,683 5,087 4,241 3,827 3,820 3,328 2,800 2,924
Book Value per Share		 $31.62 $31.05 $31.24 $29.77 $28.86 $28.71 $26.38 $26.68 $26.12 $24.96 $23.13
Tangible Book Value per Share		 $31.62 $31.05 $31.24 $29.77 $28.86 $28.71 $26.31 $26.60 $26.04 $24.86 $23.02
Total Capital		 5,925 6,227 6,315 6,481 6,160 5,935 5,811 5,765 5,643 5,489 5,151
Total Debt		 1,339 1,604 1,617 1,998 1,720 1,537 1,658 1,594 1,536 1,569 1,412
Total Long-Term Debt		 1,339 1,604 1,617 1,998 1,720 1,537 1,658 1,594 1,536 1,569 1,412
Net Debt		 -4,804 -4,783 -4,960 -4,653 -4,682 -4,614 -4,330 -4,407 -4,395 -4,181 -4,235
Capital Expenditures (CapEx)		 1.21 0.34 0.21 1.07 1.56 1.89 4.28 5.33 4.79 5.52 4.66
Debt-free, Cash-free Net Working Capital (DFCFNWC)		 1,049 1,049 1,009 976 880 874 841 802 726 716 700
Debt-free Net Working Capital (DFNWC)		 6,793 6,770 6,853 6,971 6,925 6,849 6,528 6,562 6,434 6,308 6,058
Net Working Capital (NWC)		 6,793 6,770 6,853 6,971 6,925 6,849 6,528 6,562 6,434 6,308 6,058
Net Nonoperating Expense (NNE)		 17 18 22 22 22 18 18 17 17 -36 31
Net Nonoperating Obligations (NNO)		 -4,804 -4,783 -4,960 -4,653 -4,682 -4,614 -4,330 -4,407 -4,395 -4,181 -4,235
Total Depreciation and Amortization (D&A)		 14 26 19 6.52 6.79 41 15 6.59 7.66 7.52 6.47
Debt-free, Cash-free Net Working Capital to Revenue		 81.40% 81.31% 77.44% 76.11% 70.42% 70.46% 68.60% 66.24% 60.11% 60.15% 57.66%
Debt-free Net Working Capital to Revenue		 527.18% 524.68% 526.10% 543.85% 553.94% 552.11% 532.19% 542.16% 532.80% 529.78% 498.84%
Net Working Capital to Revenue		 527.18% 524.68% 526.10% 543.85% 553.94% 552.11% 532.19% 542.16% 532.80% 529.78% 498.84%
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.99 $0.98 $1.00 $0.99 $0.99 $0.90 $0.99 $0.92 $1.00 $1.02 $1.22
Adjusted Weighted Average Basic Shares Outstanding		 145.62M 152.47M 151.85M 153.11M 153.82M 158.14M 158.46M 159.01M 158.30M 167.93M 162.51M
Adjusted Diluted Earnings per Share		 $0.98 $0.97 $0.99 $0.98 $0.98 $0.90 $0.98 $0.91 $0.98 $0.99 $1.20
Adjusted Weighted Average Diluted Shares Outstanding		 147.73M 154.19M 153.07M 154.40M 155.97M 160.13M 160.15M 160.74M 161.35M 170.66M 164.74M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 134.33M 145.06M 148.93M 150.42M 150.58M 151.50M 153.16M 157.43M 156.35M 0.00 314.05M
Normalized Net Operating Profit after Tax (NOPAT)		 161 166 174 174 175 161 175 164 174 127 229
Normalized NOPAT Margin		 50.83% 52.58% 52.30% 54.10% 54.67% 49.01% 55.91% 56.47% 56.26% 40.25% 77.40%
Pre Tax Income Margin		 59.32% 59.79% 58.61% 58.58% 62.19% 54.71% 64.31% 63.08% 65.84% 64.60% 86.25%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 9.36 9.42 7.63 7.95 7.84 8.76 9.63 9.38 10.52 7.35 13.06
NOPAT to Interest Expense		 7.18 7.39 5.93 6.42 6.01 6.95 7.50 7.50 8.13 5.87 10.82
EBIT Less CapEx to Interest Expense		 9.30 9.41 7.63 7.91 7.79 8.68 9.45 9.13 10.29 7.09 12.84
NOPAT Less CapEx to Interest Expense		 7.12 7.37 5.93 6.38 5.96 6.87 7.32 7.26 7.91 5.61 10.60
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 25.42% 25.14% 25.07% 24.65% 24.73% 24.19% 22.92% 20.97% 18.87% 18.23% 16.65%
Augmented Payout Ratio		 89.78% 62.38% 60.52% 60.00% 52.89% 46.30% 36.27% 56.08% 73.93% 72.10% 85.73%

Frequently Asked Questions About Radian Group's Financials

When does Radian Group's fiscal year end?

According to the most recent income statement we have on file, Radian Group's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Radian Group's net income changed over the last 9 years?

Radian Group's net income appears to be on an upward trend, with a most recent value of $604.44 million in 2024, rising from $286.92 million in 2015. The previous period was $603.12 million in 2023. Find out what analysts predict for Radian Group in the coming months.

What is Radian Group's operating income?
Radian Group's total operating income in 2024 was $879.31 million, based on the following breakdown:
  • Total Gross Profit: $1.25 billion
  • Total Operating Expenses: $372.71 million
How has Radian Group revenue changed over the last 9 years?

Over the last 9 years, Radian Group's total revenue changed from $1.19 billion in 2015 to $1.29 billion in 2024, a change of 8.1%.

How much debt does Radian Group have?

Radian Group's total liabilities were at $4.04 billion at the end of 2024, a 26.4% increase from 2023, and a 28.5% increase since 2015.

How much cash does Radian Group have?

In the past 9 years, Radian Group's cash and equivalents has ranged from $19.00 million in 2023 to $151.15 million in 2021, and is currently $38.82 million as of their latest financial filing in 2024.

How has Radian Group's book value per share changed over the last 9 years?

Over the last 9 years, Radian Group's book value per share changed from 12.07 in 2015 to 31.05 in 2024, a change of 157.2%.


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This page (NYSE:RDN) was last updated on 5/22/2025 by MarketBeat.com Staff
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