Radian Group Inc.

NYSE
RDN
Stock
Yield per half year: +0.7661%
Dividend yield: 2.83%
Sector: Financials

Company Analysis Radian Group Inc.

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1. Summary

Advantages

  • Price (34.2 $) is less than fair price (39.73 $)

Disadvantages

  • Dividends (2.83%) are below the sector average (2.95%).
  • The stock's return over the last year (-4.81%) is lower than the sector average (18%).
  • Current debt level 27.06% has increased over 5 years from 15.01%.
  • The company's current efficiency (ROE=13.4%) is lower than the sector average (ROE=16.52%)

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2. Share price and performance

2.1. Share price

2.3. Market efficiency

Radian Group Inc. Financials Index
7 days 2% -14.7% -0.3%
90 days 5.9% -7.3% 17.4%
1 year -4.8% 18% 11.1%

RDN vs Sector: Radian Group Inc. has significantly underperformed the "Financials" sector by -22.81% over the past year.

RDN vs Market: Radian Group Inc. has significantly underperformed the market by -15.94% over the past year.

Stable price: RDN is not significantly more volatile than the rest of the market on "New York Stock Exchange" over the last 3 months, with typical variations of +/- 5% per week.

Long period: RDN with weekly volatility of -0.0926% over the past year.

3. Summary of the report

3.1. General

P/E: 8.09
P/S: 3.79

3.2. Revenue

EPS 3.92
ROE 13.4%
ROA 7.44%
ROIC 0%
Ebitda margin 68.15%

4. Fundamental Analysis

4.1. Stock price and price forecast

The fair price is calculated taking into account the Central Bank refinancing rate and earnings per share (EPS)

Below fair price: The current price (34.2 $) is lower than the fair price (39.73 $).

Price not significantly lower than the fair price: The current price (34.2 $) is slightly lower than the fair price by 16.2%.

4.2. P/E

P/E vs Sector: The company's P/E (8.09) is lower than that of the sector as a whole (63.39).

P/E vs Market: The company's P/E (8.09) is lower than that of the market as a whole (61.84).

4.2.1 P/E Similar companies

4.3. P/BV

P/BV vs Sector: The company's P/BV (1.06) is lower than that of the sector as a whole (2.7).

P/BV vs Market: The company's P/BV (1.06) is lower than that of the market as a whole (20.59).

4.3.1 P/BV Similar companies

4.4. P/S

P/S vs Sector: The company's P/S indicator (3.79) is lower than that of the sector as a whole (3.95).

P/S vs Market: The company's P/S indicator (3.79) is lower than that of the market as a whole (15.97).

4.4.1 P/S Similar companies

4.5. EV/Ebitda

EV/Ebitda vs Sector: The company's EV/Ebitda (8.19) is higher than that of the sector as a whole (-120.2).

EV/Ebitda vs Market: The company's EV/Ebitda (8.19) is lower than that of the market as a whole (18.41).

5. Profitability

5.1. Profitability and revenue

5.2. Earnings per share - EPS

5.3. Past profitability Net Income

Yield Trend: Rising and has grown by 10.68% over the last 5 years.

Earnings Slowdown: The last year's return (0%) is below the 5-year average return (10.68%).

Profitability vs Sector: The return for the last year (0%) exceeds the return for the sector (-52.19%).

5.4. ROE

ROE vs Sector: The company's ROE (13.4%) is lower than that of the sector as a whole (16.52%).

ROE vs Market: The company's ROE (13.4%) is lower than that of the market as a whole (42.62%).

5.5. ROA

ROA vs Sector: The company's ROA (7.44%) is higher than that of the sector as a whole (3.56%).

ROA vs Market: The company's ROA (7.44%) is lower than that of the market as a whole (23.26%).

5.6. ROIC

ROIC vs Sector: The company's ROIC (0%) is lower than that of the sector as a whole (5.17%).

ROIC vs Market: The company's ROIC (0%) is lower than that of the market as a whole (9.15%).

6. Finance

6.1. Assets and debt

Debt level: (27.06%) is quite low in relation to assets.

Increasing debt: over 5 years, the debt has increased from 15.01% to 27.06%.

Excess of debt: The debt is not covered by net income, percentage 387.9%.

6.2. Profit growth and share price

7. Dividends

7.1. Dividend yield vs Market

Low yield: The dividend yield of the company 2.83% is below the average for the sector '2.95%.

7.2. Stability and increase in payments

Dividend stability: The company's dividend yield 2.83% has been steadily paid over the past 7 years, DSI=1.

Dividend growth: Company's dividend yield 2.83% has been growing over the last 5 years. Growth over 5 years.

7.3. Payout percentage

Dividend Coverage: Current payments from income (25.14%) are at a comfortable level.

8. Insider trades

8.1. Insider trading

Insider Buying Exceeds insider sales by 41.97% over the last 3 months.

8.2. Latest transactions

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9. Stocks forum Radian Group Inc.

9.3. Comments