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Radian Group DB:RAG Stock Report

Last Price

€31.40

Market Cap

€4.8b

7D

-0.6%

1Y

25.6%

Updated

17 Dec, 2024

Data

Company Financials +

Radian Group Inc.

DB:RAG Stock Report

Market Cap: €4.8b

RAG Stock Overview

Engages in the mortgage and real estate services business in the United States. More details

RAG fundamental analysis
Snowflake Score
Valuation5/6
Future Growth0/6
Past Performance2/6
Financial Health3/6
Dividends4/6

Rewards

Trading at 69.5% below our estimate of its fair value

Trading at good value compared to peers and industry

Risk Analysis

Earnings are forecast to decline by an average of 4% per year for the next 3 years

Dividend of 2.96% is not well covered by free cash flows

Significant insider selling over the past 3 months


My Notes

Capture your thoughts, links and company narrative

Radian Group Inc. Competitors

Deutsche Pfandbriefbank

XTRA:PBB

€646.8m

DWS Group GmbH KGaA

XTRA:DWS

€8.2b

Hypoport

XTRA:HYQ

€1.1b

flatexDEGIRO

XTRA:FTK

€1.7b

Price History & Performance

Summary of share price highs, lows and changes for Radian Group
Historical stock prices
Current Share PriceUS$31.40
52 Week HighUS$34.00
52 Week LowUS$24.80
Beta1.04
1 Month Change-3.09%
3 Month Change0.64%
1 Year Change25.60%
3 Year Change83.63%
5 Year Change38.94%
Change since IPO68.00%

Recent News & Updates

Recent updates

Shareholder Returns

RAGDE Diversified FinancialDE Market
7D-0.6%-1.6%-1.1%
1Y25.6%-13.1%8.1%

Return vs Industry: RAG exceeded the German Diversified Financial industry which returned -12.7% over the past year.

Return vs Market: RAG exceeded the German Market which returned 9.2% over the past year.

Price Volatility

Is RAG's price volatile compared to industry and market?
RAG volatility
RAG Average Weekly Movement4.2%
Diversified Financial Industry Average Movement3.6%
Market Average Movement4.9%
10% most volatile stocks in DE Market11.8%
10% least volatile stocks in DE Market2.5%

Stable Share Price: RAG has not had significant price volatility in the past 3 months compared to the German market.

Volatility Over Time: RAG's weekly volatility (4%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
19771,100Rick Thornberrywww.radian.com

Radian Group Inc., together with its subsidiaries, engages in the mortgage and real estate services business in the United States. It operates through two segments, Mortgage Insurance and Homegenius segments. The Mortgage Insurance segment aggregates, manages, and distributes U.S. mortgage credit risk for mortgage lending institutions and mortgage credit investors, through private mortgage insurance on residential first-lien mortgage loans; and other credit risk management solutions, including contract underwriting.

Radian Group Inc. Fundamentals Summary

How do Radian Group's earnings and revenue compare to its market cap?
RAG fundamental statistics
Market cap€4.79b
Earnings (TTM)€571.00m
Revenue (TTM)€1.24b

8.2x

P/E Ratio

3.8x

P/S Ratio

Is RAG overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
RAG income statement (TTM)
RevenueUS$1.30b
Cost of RevenueUS$65.82m
Gross ProfitUS$1.24b
Other ExpensesUS$638.40m
EarningsUS$598.84m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)4.02
Gross Margin94.95%
Net Profit Margin45.96%
Debt/Equity Ratio41.7%

How did RAG perform over the long term?

See historical performance and comparison

Dividends

3.0%

Current Dividend Yield

25%

Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/17 14:05
End of Day Share Price 2024/12/17 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Radian Group Inc. is covered by 22 analysts. 5 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Bruce HartingBarclays
Terry MaBarclays
Mihir BhatiaBofA Global Research