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RADIAN GROUP INC

RDN Clue Score53
United States Fiscal year ends December CIK 0000890926
$33.93 -0.70% Close, 9 Oct 2026
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Price $33.93 +45.56% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Revenue1,238.5Net income308.3EPS, diluted1.37Fiscal year 2017Revenue1,221.6 −1.4%Net income121.1 −60.7%EPS, diluted0.55 −59.9%Fiscal year 2018Revenue1,273.0 +4.2%Net income606.0 +400.5%EPS, diluted2.77 +403.6%Fiscal year 2019Revenue1,527.0 +19.9%Net income672.3 +10.9%EPS, diluted3.20 +15.5%Fiscal year 2020Revenue1,438.6 −5.8%Net income393.6 −41.5%EPS, diluted2.00 −37.5%Fiscal year 2021Revenue1,329.9 −7.6%Net income600.7 +52.6%EPS, diluted3.16 +58.0%Fiscal year 2022Revenue1,190.7 −10.5%Net income742.9 +23.7%EPS, diluted4.35 +37.7%Fiscal year 2023Revenue1,177.3 −1.1%Net income603.1 −18.8%EPS, diluted3.77 −13.3%Fiscal year 2024Revenue1,206.3 +2.5%Net income604.4 +0.2%EPS, diluted3.92 +4.0%Fiscal year 2025Revenue1,197.1 −0.8%Net income582.6 −3.6%EPS, diluted4.14 +5.6%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 1,238.5 1,221.6 1,273.0 1,527.0 1,438.6 1,329.9 1,190.7 1,177.3 1,206.3 1,197.1
Growth −1.4% +4.2% +19.9% −5.8% −7.6% −10.5% −1.1% +2.5% −0.8%
Net income 308.3 121.1 606.0 672.3 393.6 600.7 742.9 603.1 604.4 582.6
Growth −60.7% +400.5% +10.9% −41.5% +52.6% +23.7% −18.8% +0.2% −3.6%
EPS, diluted 1.37 0.55 2.77 3.20 2.00 3.16 4.35 3.77 3.92 4.14
Growth −59.9% +403.6% +15.5% −37.5% +58.0% +37.7% −13.3% +4.0% +5.6%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Net margin24.9%Fiscal year 2017Net margin9.9%Fiscal year 2018Net margin47.6%Fiscal year 2019Net margin44.0%Fiscal year 2020Net margin27.4%Fiscal year 2021Net margin45.2%Free cash flow margin40.9%Fiscal year 2022Net margin62.4%Free cash flow margin31.1%Fiscal year 2023Net margin51.2%Free cash flow margin44.2%Fiscal year 2024Net margin50.1%Free cash flow margin−55.1%Fiscal year 2025Net margin48.7%Free cash flow margin9.7%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin 24.9% 9.9% 47.6% 44.0% 27.4% 45.2% 62.4% 51.2% 50.1% 48.7%
Free cash flow margin n/a n/a n/a n/a n/a 40.9% 31.1% 44.2% −55.1% 9.7%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow381.7Buybacks−100.2Dividends paid−2.1Fiscal year 2017Operating cash flow360.6Buybacks−0.0Dividends paid−2.2Fiscal year 2018Operating cash flow677.8Buybacks−50.1Dividends paid−2.1Fiscal year 2019Operating cash flow694.4Buybacks−300.2Dividends paid−2.1Fiscal year 2020Operating cash flow658.4Buybacks−226.3Dividends paid−97.5Fiscal year 2021Operating cash flow557.1Capital expenditure−12.6Free cash flow544.5Buybacks−399.1Dividends paid−103.3Fiscal year 2022Operating cash flow388.3Capital expenditure−17.7Free cash flow370.6 −31.9%Buybacks−400.2Dividends paid−135.4Fiscal year 2023Operating cash flow529.4Capital expenditure−8.5Free cash flow520.9 +40.5%Buybacks−133.3Dividends paid−145.9Fiscal year 2024Operating cash flow−663.6Capital expenditure−1.6Free cash flow−665.1 −227.7%Buybacks−225.1Dividends paid−152.0Fiscal year 2025Operating cash flow119.9Capital expenditure−4.2Free cash flow115.7Buybacks−431.9Dividends paid−145.6
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 381.7 360.6 677.8 694.4 658.4 557.1 388.3 529.4 −663.6 119.9
Capital expenditure n/a n/a n/a n/a n/a −12.6 −17.7 −8.5 −1.6 −4.2
Free cash flow n/a n/a n/a n/a n/a 544.5 370.6 520.9 −665.1 115.7
Growth −31.9% +40.5% −227.7%
Buybacks −100.2 −0.0 −50.1 −300.2 −226.3 −399.1 −400.2 −133.3 −225.1 −431.9
Dividends paid −2.1 −2.2 −2.1 −2.1 −97.5 −103.3 −135.4 −145.9 −152.0 −145.6

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash52.1Total debt1,069.5Net cash (debt)−1,017.4Shareholders’ equity2,872.3Debt to equity0.37Fiscal year 2017Cash80.6Total debt1,027.1Net cash (debt)−946.5Shareholders’ equity3,000.0Debt to equity0.34Fiscal year 2018Cash95.4Shareholders’ equity3,488.7Fiscal year 2019Cash92.7Shareholders’ equity4,048.7Fiscal year 2020Cash87.9Shareholders’ equity4,284.4Fiscal year 2021Cash151.1Shareholders’ equity4,258.8Fiscal year 2022Cash56.2Shareholders’ equity3,919.3Fiscal year 2023Cash19.0Shareholders’ equity4,397.8Fiscal year 2024Cash19.2Shareholders’ equity4,623.9Fiscal year 2025Cash24.8Total debt1,075.8Net cash (debt)−1,051.0Shareholders’ equity4,781.5Debt to equity0.22
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 52.1 80.6 95.4 92.7 87.9 151.1 56.2 19.0 19.2 24.8
Total debt 1,069.5 1,027.1 n/a n/a n/a n/a n/a n/a n/a 1,075.8
Net cash (debt) −1,017.4 −946.5 n/a n/a n/a n/a n/a n/a n/a −1,051.0
Shareholders’ equity 2,872.3 3,000.0 3,488.7 4,048.7 4,284.4 4,258.8 3,919.3 4,397.8 4,623.9 4,781.5
Debt to equity 0.37 0.34 n/a n/a n/a n/a n/a n/a n/a 0.22

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
39.1% 28.4% 53.7% 55.6% 33.3% 57.5% 80.0% 73.4% 70.1% 66.1%
24.9% 9.9% 47.6% 44.0% 27.4% 45.2% 62.4% 51.2% 50.1% 48.7%
n/a n/a n/a n/a n/a 40.9% 31.1% 44.2% −55.1% 9.7%
Spending
n/a n/a n/a n/a n/a 0.9% 1.5% 0.7% 0.1% 0.4%
36.3% 65.1% 11.4% 20.8% 17.9% 21.5% 22.0% 21.8% 21.9% 21.9%
Returns
10.7% 4.0% 17.4% 16.6% 9.2% 14.1% 19.0% 13.7% 13.1% 12.2%
5.3% 2.1% 9.6% 9.9% 5.0% 7.7% 10.5% 7.9% 7.0% 7.2%
Balance and payout
0.37 0.34 n/a n/a n/a n/a n/a n/a n/a 0.22
51.0% 49.2% 44.8% 40.5% 46.1% 45.7% 44.5% 42.1% 46.8% 41.1%
0.7% 1.8% 0.4% 0.3% 24.8% 17.2% 18.2% 24.2% 25.1% 25.0%
n/a n/a n/a n/a n/a 92.3% 144.5% 53.6% n/a 499.3%