US stock · Financial Services sector · Insurance—Specialty
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Radian Group Inc.

RDNNYSE

18.95

USD
-0.18
(-0.94%)
Market Open
4.93P/E
6Forward P/E
0.25P/E to S&P500
3.063BMarket CAP
3.55%Div Yield
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View:
Currency: USD, in millions
1992
1993
1994
1995
1996
1997
1998
1999
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
Income Statement
Revenue
84
107
131
166
223
277
333
553
615
947
1,152
1,363
1,364
1,298
1,328
201
1,808
1,313
417
1,948
818
759
1,073
1,193
1,238
1,222
1,273
1,527
1,439
1,330
COGS
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Gross Profit
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Gross Profit Ratio
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Expenses
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
R&D Expenses
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Selling, G&A Exp.
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
General and Admin. Exp.
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Selling and Marketing Exp.
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Other Expenses
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
COGS and Expenses
13
18
23
23
140
175
207
333
263
442
551
832
638
558
515
2,270
2,482
1,556
1,997
1,579
1,262
966
666
755
755
875
589
678
959
565
Interest Income
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Interest Expense
- -
- -
- -
- -
- -
- -
- -
- -
- -
18
29
38
35
43
48
53
54
46
42
61
52
75
90
91
81
63
61
56
71
84
Depreciation and Amortization
13
18
23
23
27
31
36
59
55
2
1
17
28
34
37
19
16
20
40
63
72
80
66
82
71
86
69
73
72
75
EBITDA
46
68
79
92
109
134
162
278
407
526
631
586
788
817
898
(1,997)
(604)
(176)
(1,498)
493
(320)
(52)
264
616
636
495
815
978
622
925
EBITDA ratio
54.85%
63.43%
60.38%
55.31%
49.18%
48.25%
48.63%
50.34%
66.15%
55.51%
54.76%
43.01%
57.78%
62.97%
67.65%
(993.04)%
(33.43)%
(13.42)%
(358.86)%
25.31%
(39.13)%
(6.89)%
24.57%
51.62%
51.34%
40.55%
64.00%
64.05%
43.26%
69.53%
Operating Income
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Income ratio
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Other Income Exp.(Gains)
16
26
24
29
4
5
11
11
7
83
129
151
79
34
37
(1,147)
723
105
9
4
6
6
6
6
4
3
4
3
4
3
Income Before Tax
- -
- -
- -
- -
83
102
126
219
352
506
601
531
726
740
813
(2,069)
(674)
(242)
(1,580)
369
(444)
(207)
407
438
484
347
684
849
479
765
Income Before Tax ratio
- -
- -
- -
- -
37.10%
36.96%
37.79%
39.70%
57.27%
53.37%
52.19%
38.99%
53.19%
57.03%
61.24%
(1,029.05)%
(37.29)%
(18.45)%
(378.40)%
18.92%
(54.32)%
(27.28)%
37.96%
36.69%
39.06%
28.38%
53.75%
55.60%
33.33%
57.51%
Income Tax Expense (Gain)
11
14
15
17
20
28
35
71
104
145
174
146
207
217
231
(779)
(264)
(94)
226
66
7
(10)
(852)
156
175
226
78
177
86
164
Net Income
22
36
41
51
62
75
91
148
249
360
427
386
519
523
582
(1,290)
(411)
(148)
(1,806)
302
(451)
(197)
960
287
308
121
606
672
394
601
Net Income Ratio
26.11%
33.40%
31.49%
30.68%
27.95%
27.03%
27.35%
26.80%
40.45%
38.05%
37.08%
28.31%
38.02%
40.28%
43.84%
(641.78)%
(22.71)%
(11.26)%
(432.58)%
15.51%
(55.21)%
(25.95)%
89.45%
24.05%
24.89%
9.91%
47.60%
44.03%
27.36%
45.17%
EPS
0.49
0.73
0.85
1.04
1.27
1.59
1.94
1.96
3.27
3.95
4.47
4.13
5.57
6.10
7.16
(16.22)
(5.12)
(1.80)
(15.74)
2.28
(3.41)
(1.14)
5.20
1.44
1.46
0.56
2.83
3.22
2.01
3.22
EPS Diluted
0.49
0.73
0.85
1.04
1.27
1.53
1.86
1.92
3.22
3.88
4.41
4.08
5.33
5.91
7.08
(16.22)
(5.12)
(1.80)
(15.74)
2.26
(3.41)
(1.18)
4.16
1.22
1.37
0.55
2.77
3.20
2.00
3.19
Weighted Avg. Shares Outs.
45
49
48
49
49
47
45
74
75
90
94
94
93
86
81
80
80
82
115
132
133
173
185
200
212
215
214
209
195
187
Weighted Avg. Shares Outs. Dil.
45
49
48
49
49
49
47
76
76
92
96
95
98
89
82
80
80
82
115
134
133
173
234
246
229
220
219
210
197
188
Balance Sheet
Cash and Cash Equivalents
- -
- -
- -
- -
3
2
2
8
2
60
22
67
31
8
58
201
79
77
20
36
32
24
30
47
52
81
95
93
88
151
Short-Term Investments
- -
- -
- -
- -
5
11
19
57
96
211
181
255
460
362
239
697
1,029
1,401
1,537
1,262
930
1,685
1,981
3,018
3,581
4,037
4,550
5,207
6,341
6,069
Cash & Short-Term Investments
- -
- -
- -
- -
8
13
21
64
98
271
203
322
490
370
297
898
1,108
1,478
1,558
1,297
962
1,709
2,012
3,065
3,634
4,118
4,645
5,300
6,429
6,220
Net Receivables
- -
- -
- -
- -
- -
31
33
40
44
47
49
122
115
85
68
131
90
173
116
103
177
122
114
73
85
81
138
111
194
192
Inventory
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Other Current Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
(251)
(304)
(498)
(387)
(251)
(898)
(1,029)
248,860
135,112
136,836
(1,020)
(1,732)
(2,009)
(3,029)
(3,589)
(3,711)
(4,176)
(4,799)
(5,884)
(5,208)
Total Current Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
0
141
108
67
114
131
169
250,512
136,786
138,236
119
99
116
109
130
488
607
612
739
1,203
PP&E
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
71
69
52
34
25
18
16
13
11
7
11
27
47
71
87
37
67
113
107
Goodwill
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
195
195
11
14
10
10
10
Intangible Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
94
81
53
96
77
13
10
Goodwill and Intangible Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
288
289
276
64
110
87
23
20
Investments
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
4,154
4,949
5,380
5,421
5,597
5,650
5,633
5,954
2,007
5,723
5,026
4,803
3,615
4,297
4,461
4,644
5,150
5,655
6,783
6,509
Tax Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Other Non-Current Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
(4,949)
(5,380)
(5,421)
(5,597)
(5,650)
(5,633)
(248,405)
(131,185)
(137,313)
710
589
(816)
(3,398)
(3,537)
(3,691)
(4,309)
(4,845)
(6,816)
- -
Total Non-Current Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
71
69
52
34
25
18
(242,436)
(129,165)
(131,579)
5,743
5,402
3,114
1,235
1,271
1,104
988
963
104
6,636
Other Assets
335
375
410
499
593
705
968
1,777
2,273
4,439
5,393
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
14,475
Total Assets
335
375
410
499
593
705
968
1,777
2,273
4,439
5,393
212
177
119
148
155
187
8,076
7,621
6,657
5,863
5,501
3,231
1,343
1,401
1,592
1,595
1,575
843
7,839
Accounts Payable
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
281
175
- -
- -
- -
- -
- -
- -
- -
325
- -
27
8
7
- -
- -
- -
- -
- -
Short-Term Debt
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Tax Payable
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Deferred Revenue
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Other Current Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
871
1,768
2,096
2,221
2,420
2,820
3,113
4,541
5,068
5,077
5,276
4,428
4,069
3,657
3,452
1,917
1,915
1,874
1,713
1,738
- -
- -
Total Current Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
871
1,768
2,096
2,503
2,594
2,820
3,113
4,541
5,068
5,077
5,276
4,428
4,395
3,657
3,478
1,926
1,921
1,874
1,713
1,738
- -
- -
Long-Term Debt
- -
- -
- -
- -
- -
- -
- -
- -
- -
324
544
717
718
747
748
948
1,018
698
965
1,047
772
1,025
1,210
1,219
1,070
1,027
1,030
1,022
1,582
1,560
Deferred Revenue
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
174
- -
- -
- -
Deferred Tax Liabilities
- -
- -
- -
- -
5
7
112
206
291
432
570
688
848
962
1,130
27
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
214
338
Other Non-Current Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
(432)
(570)
(688)
(848)
(962)
(1,130)
(27)
(0)
296
520
(0)
(0)
(0)
75
- -
- -
- -
(91)
- -
- -
- -
Total Non-Current Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
324
544
717
718
748
748
948
1,018
994
1,485
1,047
772
1,025
1,285
1,219
1,070
1,027
1,113
1,022
1,796
1,898
Other Liabilities
115
122
131
161
236
275
445
719
40
688
- -
1,435
- -
1,495
1,496
- -
2,036
1,989
2,970
- -
- -
2,049
- -
- -
- -
- -
- -
- -
5,460
5,478
Capital Lease Obligations
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Liabilities
115
122
131
161
236
275
445
719
911
2,132
2,640
3,220
3,312
3,568
3,861
5,489
6,085
6,071
6,761
5,474
5,167
4,682
4,688
3,145
2,991
2,901
2,826
2,760
3,664
3,580
Preferred Stock
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Common Stock
- -
- -
- -
- -
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Retained Earnings
21
51
87
132
177
246
331
549
790
1,094
1,508
1,887
2,398
2,914
3,489
2,181
1,767
1,602
(205)
96
(355)
(552)
407
692
998
1,116
1,720
2,390
2,685
3,181
Other Compreh. Income(Loss)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
120
162
97
(199)
(71)
(7)
11
16
37
51
(18)
(12)
23
(61)
110
264
120
Other Total Stockhold. Equity
200
202
193
207
179
184
192
509
572
1,213
1,245
1,339
1,291
629
416
442
463
474
1,072
1,075
1,075
1,455
1,714
1,823
1,886
1,860
1,830
1,549
1,336
- -
Total Stockholders Equity
221
253
280
339
356
430
523
1,057
1,362
2,306
2,753
3,226
3,689
3,663
4,068
2,721
2,031
2,005
860
1,182
736
940
2,172
2,497
2,872
3,000
3,489
4,049
4,284
4,259
Total Liab.&Stockhold. Equity
335
375
410
499
593
705
968
1,777
2,273
4,439
5,393
6,446
7,001
7,231
7,929
8,210
8,116
8,076
7,621
6,657
5,903
5,622
6,860
5,642
5,863
5,901
6,315
6,808
7,948
7,839
Minority Interest
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
(6,233)
(6,824)
(7,112)
(7,781)
(8,055)
(7,929)
- -
- -
- -
(41)
(121)
(3,629)
(4,299)
(4,462)
(4,309)
(4,720)
(5,233)
(7,105)
- -
Total Liabilities & Equity
335
375
410
499
593
705
968
1,777
2,273
4,439
5,393
212
177
119
148
155
187
8,076
7,621
6,657
5,863
5,501
3,231
1,343
1,401
1,592
1,595
1,575
843
7,839
Cash Flow Statement
Net Income
22
36
41
51
62
75
91
148
249
360
427
386
519
523
582
(1,290)
(411)
(148)
(1,806)
302
(451)
(197)
960
287
308
121
606
672
394
601
Depreciation and Amortization
13
18
23
23
27
31
36
59
55
2
1
17
28
34
37
19
16
20
40
63
72
80
66
82
71
86
69
73
72
75
Deferred Income Tax
- -
- -
0
1
(0)
1
27
58
63
141
138
75
135
147
145
(880)
(313)
(55)
381
7
6
(32)
(826)
156
171
167
121
157
102
162
Stock Based Compensation
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Change in Working Capital
(7)
(25)
(21)
(33)
(62)
(89)
(118)
(147)
(120)
98
210
440
75
392
371
1,000
1,636
527
118
(35)
41
(364)
(574)
(551)
(213)
(245)
(160)
(184)
151
(265)
Accounts Receivable
(16)
(22)
- -
- -
- -
(8)
(2)
(28)
19
62
105
87
(21)
157
(4)
(199)
- -
- -
- -
- -
66
42
18
26
(16)
4
(5)
(26)
(86)
3
Inventory
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Accounts Payable
13
9
1
(3)
- -
- -
- -
91
54
91
34
168
51
(19)
203
1,056
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Other Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
(871)
(1,768)
(2,096)
(2,361)
(2,486)
(2,753)
(3,000)
415
(4,898)
245,435
131,510
133,808
(4,275)
(3,558)
(3,362)
(1,817)
(1,792)
(1,386)
(1,106)
(1,126)
739
- -
Other Non-Cash Items
3
11
5
17
57
75
96
130
33
(121)
(189)
(383)
(430)
(526)
(647)
1,453
(1,262)
(284)
404
(1,235)
(178)
(153)
238
40
44
232
42
(24)
(60)
(16)
Cash Provided by Operating Activities
32
40
49
59
84
94
132
248
280
481
587
535
327
570
488
302
(334)
60
(863)
(898)
(511)
(665)
(136)
14
382
361
678
694
658
557
CAPEX
- -
- -
- -
- -
- -
(6)
(0)
- -
(9)
(9)
(42)
(35)
(19)
(8)
(15)
(4)
(4)
(4)
(3)
(3)
(1)
(6)
(18)
(25)
(36)
(29)
(26)
(28)
(17)
(13)
Acquisitions Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
(7)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
15
- -
(296)
774
(0)
(1)
(8)
- -
16
- -
Purchases of Investments
(200)
(126)
(101)
(84)
(99)
(118)
(200)
(439)
(886)
(1,729)
(2,725)
(203)
(301)
(1,228)
(1,451)
(1,527)
(1,404)
(3,164)
(6,246)
(5,458)
(5,960)
(1,281)
(519)
(1,339)
(1,655)
(1,837)
(2,053)
(1,894)
(2,526)
(2,086)
Sales/Maturities of Investments
61
68
57
28
22
37
70
176
593
1,208
1,992
132
29
1,096
1,039
961
1,716
3,252
6,201
6,534
6,607
1,332
331
570
1,514
1,664
1,397
1,620
1,643
2,090
Other Investing Activities
1
30
(3)
(1)
(4)
(5)
(1)
2
3
23
2
(560)
28
- -
233
221
- -
- -
- -
- -
- -
15
165
22
- -
1
- -
- -
- -
6
Cash Used for Investing Activities
(138)
(29)
(47)
(57)
(81)
(92)
(132)
(260)
(300)
(513)
(773)
(666)
(263)
(140)
(195)
(349)
309
83
(48)
1,073
661
60
(338)
2
(176)
(201)
(689)
(302)
(883)
(2)
Debt Repayment
- -
- -
- -
- -
- -
- -
- -
- -
- -
(174)
- -
(75)
- -
(222)
- -
(200)
(100)
(146)
(29)
(160)
(153)
(79)
(57)
(156)
(445)
(594)
(21)
(674)
(175)
(48)
Common Stock Issued
67
0
1
3
2
3
5
17
25
40
29
23
23
39
27
25
- -
- -
526
- -
- -
299
247
1
1
7
1
2
2
1
Common Stock Repurchased
- -
- -
- -
- -
- -
- -
- -
- -
(2)
(6)
(87)
(9)
(116)
(512)
(264)
(23)
- -
- -
- -
- -
- -
- -
- -
(202)
(100)
(0)
(50)
(300)
(226)
(399)
Dividends Paid
(4)
(6)
(6)
(6)
(6)
(6)
(6)
(7)
(8)
(10)
(10)
(7)
(8)
(7)
(7)
(6)
(4)
(1)
(1)
(1)
(1)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(97)
(103)
Other Financing Activities
44
- -
- -
- -
- -
- -
- -
- -
- -
239
216
244
- -
250
5
406
13
- -
391
0
- -
379
294
359
344
464
94
571
720
52
Cash Used/Provided by Financing Activities
107
(5)
(5)
(2)
(4)
(3)
(1)
10
15
90
148
176
(100)
(453)
(238)
202
(91)
(146)
887
(161)
(155)
597
482
1
(203)
(125)
22
(403)
223
(497)
Effect of Forex Changes on Cash
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
(0)
(5)
(12)
(6)
1
3
2
(0)
- -
(0)
(0)
(0)
0
- -
(0)
- -
- -
Net Change In Cash
107
(5)
(5)
(2)
(0)
(1)
(0)
(2)
(5)
58
(38)
45
(36)
(23)
50
143
(122)
(2)
(21)
15
(4)
(8)
8
16
2
34
11
(11)
(2)
58
Cash at the End of Period
- -
- -
- -
- -
3
2
2
8
2
60
22
67
31
8
58
201
79
77
20
36
32
24
30
47
62
96
107
96
94
153
Cash at the Beginning of Period
2
2
8
4
4
3
2
9
8
2
60
22
67
31
8
58
201
79
42
20
36
32
23
30
60
62
96
107
96
94
Free Cash Flow
32
40
49
59
84
87
132
248
271
473
545
500
308
562
473
298
(337)
56
(865)
(901)
(511)
(671)
(155)
(12)
346
332
652
667
641
545
Forex Rate
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -