RADIAN GROUP INC
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RDN FY 2025 request
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| Metric | FY 2025 | FY 2024 | YoY |
|---|---|---|---|
| Premiums Earned Net | 941,865 | 939,237 | +0.3% |
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| Mortgage Insurance | 941,865 | 939,237 | +0.3% |
| Net Investment Income | 248,764 | 264,814 | -6.1% |
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| Parent Company | 48,610 | 63,021 | -22.9% |
| Net Gains Losses On Investments And Other Financial Instruments | -24 | -4,347 | +99.4% |
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| Parent Company | -4,530 | 9,651 | -146.9% |
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| Corporate Non Segment | -24 | -4,347 | +99.4% |
| Other Income | 6,479 | 6,595 | -1.8% |
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| Parent Company | 4,686 | — | — |
| Revenue | 1,197,084 | 1,206,299 | -0.8% |
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| Mortgage insurance · Operating Segments | 1,197,108 | 1,210,645 | -1.1% |
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| Parent Company | 48,766 | 72,672 | -32.9% |
| Policyholder Benefits And Claims Incurred Net | 66,768 | -2,248 | +3070.1% |
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| Mortgage insurance · Operating Segments | 66,768 | -2,248 | +3070.1% |
| Deferred Policy Acquisition Cost Amortization Expense | 25,039 | 27,316 | -8.3% |
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| Mortgage insurance · Operating Segments | 25,039 | 27,316 | -8.3% |
| Other Cost And Expense Operating | 245,759 | 247,618 | -0.8% |
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| Mortgage insurance · Operating Segments | 235,837 | 234,632 | +0.5% |
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| Parent Company | 19,203 | 8,825 | +117.6% |
| Interest Expense | 68,290 | 88,006 | -22.4% |
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| Mortgage insurance · Operating Segments | 67,777 | 83,731 | -19.1% |
| Total Costs & Expenses | 405,856 | 360,692 | +12.5% |
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| Parent Company | 19,716 | 13,100 | +50.5% |
| Income Before Taxes | 791,228 | 845,607 | -6.4% |
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| Parent Company | 29,050 | 59,572 | -51.2% |
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| Operating Segments | 791,228 | 845,607 | -6.4% |
| Income Tax Expense (Benefit) | 173,049 | 185,292 | -6.6% |
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| Parent Company | 10,356 | 17,602 | -41.2% |
| Income Loss From Continuing Operations | 618,179 | 660,315 | -6.4% |
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| Parent Company | 618,179 | 660,315 | -6.4% |
| Income Loss From Discontinued Operations Net Of Tax Attributable To Reporting Entity | -35,539 | -55,875 | +36.4% |
| Net Income | 582,640 | 604,440 | -3.6% |
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| Retained Earnings | 582,640 | 604,440 | -3.6% |
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| Parent Company | 582,640 | 604,440 | -3.6% |
| Income Loss From Continuing Operations Per Basic Share | 4.43 | 4.33 | +2.3% |
| Income Loss From Discontinued Operations Net Of Tax Per Basic Share | -0.25 | -0.37 | +32.4% |
| EPS (Basic) | 4.18 | 3.96 | +5.6% |
| Income Loss From Continuing Operations Per Diluted Share | 4.39 | 4.28 | +2.6% |
| Income Loss From Discontinued Operations Net Of Tax Per Diluted Share | -0.25 | -0.36 | +30.6% |
| EPS (Diluted) | 4.14 | 3.92 | +5.6% |
| Wtd Avg Shares (Basic) | 139,445 | 152,465 | -8.5% |
| Wtd Avg Shares (Diluted) | 140,811 | 154,191 | -8.7% |
| Comprehensive Income | 710,719 | 585,053 | +21.5% |
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| Parent Company | 710,719 | 585,053 | +21.5% |
| Liability For Unpaid Claims And Claims Adjustment Expense Incurred Claims1 (FY) | — | — | — |
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| Mortgage insurance | 66,767 | -2,248 | +3070.1% |
| Net Income Loss Available To Common Stockholders Basic | 582,640 | 604,440 | -3.6% |
| Gain Loss On Investments | -5,112 | -8,492 | +39.8% |
| Interest Income Expense Net (FY) | — | — | — |
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| Parent Company | 513 | 4,275 | -88.0% |
Balance Sheet
| Metric | FY 2025 | FY 2024 | YoY |
|---|---|---|---|
| Current Assets | |||
| Cash & Cash Equivalents | 24,829 | 19,220 | +29.2% |
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| Parent Company | 9,905 | 5,782 | +71.3% |
| Non-Current Assets | |||
| Property, Plant & Equipment | 17,165 | 23,369 | -26.5% |
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| Furniture And Fixtures | 1,725 | 3,353 | -48.6% |
| Leasehold Improvements | 4,438 | 3,606 | +23.1% |
| Software And Software Development Costs | 11,002 | 16,410 | -33.0% |
| Total Assets | 8,122,397 | 8,689,535 | -6.5% |
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| Mortgage insurance · Radian Guaranty | 78,083 | 154,884 | -49.6% |
| Mortgage insurance · Radian Guaranty | 156,971 | 247,442 | -36.6% |
| Mortgage insurance · Radian Guaranty | 261,977 | 326,855 | -19.8% |
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| Radian Guaranty · Excess-of-Loss Program | 497,031 | 729,181 | -31.8% |
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| Parent Company | 6,851,943 | 6,022,425 | +13.8% |
| Operating Lease Right-of-Use Assets | 8,996 | 11,613 | -22.5% |
| Other Assets | |||
| Equity Securities Fv Ni | 36,632 | 138,189 | -73.5% |
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| Parent Company | 33,676 | 134,864 | -75.0% |
| Other Long Term Investments | 10,116 | 7,942 | +27.4% |
| Other Short Term Investments | 1,602,993 | 410,643 | +290.4% |
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| Parent Company | 1,454,718 | 115,983 | +1154.3% |
| Investments | 5,987,318 | 5,701,831 | +5.0% |
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| Parent Company | 1,769,961 | 872,744 | +102.8% |
| Restricted Cash And Cash Equivalents | 10 | 30 | -66.7% |
| Accrued Investment Income | 40,285 | 44,308 | -9.1% |
| Accounts Receivable Net | 120,197 | 120,990 | -0.7% |
| Reinsurance Recoverables | 48,806 | 34,559 | +41.2% |
| Deferred Policy Acquisition Costs | 19,018 | 17,746 | +7.2% |
| Prepaid Taxes | 1,056,329 | 921,080 | +14.7% |
| Other Assets | 334,172 | 358,962 | -6.9% |
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| Parent Company | 193,461 | 131,345 | +47.3% |
| Assets Of Disposal Group Including Discontinued Operation | 474,268 | 1,447,440 | -67.2% |
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| Discontinued Operations Heldforsale | 474,268 | 1,447,440 | -67.2% |
| Non-Current Liabilities | |||
| Deferred Tax Liabilities | 942,193 | 772,232 | +22.0% |
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| Parent Company | 270,345 | 245,692 | +10.0% |
| Total Liabilities | 3,340,883 | 4,065,677 | -17.8% |
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| Mortgage insurance · Radian Guaranty | 78,083 | 154,884 | -49.6% |
| Mortgage insurance · Radian Guaranty | 156,971 | 247,442 | -36.6% |
| Mortgage insurance · Radian Guaranty | 261,977 | 326,855 | -19.8% |
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| Radian Guaranty · Excess-of-Loss Program | 497,031 | 729,181 | -31.8% |
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| Parent Company | 2,070,429 | 1,398,567 | +48.0% |
| Long-Term Debt (Q) | — | — | — |
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| Senior Notes due 2027 · Senior Notes | 448,577 | 447,461 | +0.2% |
| Senior Notes due 2029 · Senior Notes | 619,331 | 617,876 | +0.2% |
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| Senior Notes | 1,067,908 | 1,065,337 | +0.2% |
| Other Liabilities | |||
| Available For Sale Securities Debt Securities | 4,271,916 | 5,062,405 | -15.6% |
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| Debt Securities | 4,271,916 | 5,062,405 | -15.6% |
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| Parent Company | 270,608 | 612,209 | -55.8% |
| Trading Securities Debt | 65,661 | 82,652 | -20.6% |
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| Parent Company | 4,958 | 4,838 | +2.5% |
| Liability For Claims And Claims Adjustment Expense | 399,946 | 354,431 | +12.8% |
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| Mortgage insurance | 399,946 | 354,431 | +12.8% |
| Mortgage insurance · Pool and other | 5,918 | 4,479 | +32.1% |
| Mortgage insurance · Primary case | 378,264 | 336,553 | +12.4% |
| Mortgage insurance · Primary IBNR and LAE | 15,764 | 13,399 | +17.7% |
| Unearned Premiums | 159,341 | 188,337 | -15.4% |
| Senior Notes | 1,067,908 | 1,065,337 | +0.2% |
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| Parent Company | 1,067,908 | 1,065,337 | +0.2% |
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| Carrying Reported Amount Fair Value Disclosure | 1,067,908 | 1,065,337 | +0.2% |
| Other Borrowings | 41,207 | 45,865 | -10.2% |
| Other Liabilities | 366,470 | 399,282 | -8.2% |
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| Parent Company | 132,176 | 87,538 | +51.0% |
| Liabilities Of Disposal Group Including Discontinued Operation | 363,818 | 1,240,193 | -70.7% |
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| Discontinued Operations Heldforsale | 363,818 | 1,240,193 | -70.7% |
| Stockholders' Equity | |||
| Common Stock Value Outstanding | 157 | 168 | -6.5% |
| Treasury Stock Common Value | -989,745 | -968,246 | -2.2% |
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| Parent Company | -989,745 | -968,246 | -2.2% |
| Additional Paid-In Capital | 861,211 | 1,246,826 | -30.9% |
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| Parent Company | 861,211 | 1,246,826 | -30.9% |
| Retained Earnings | 5,132,050 | 4,695,348 | +9.3% |
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| Parent Company | 5,132,050 | 4,695,348 | +9.3% |
| Accumulated Other Comprehensive Income | -222,159 | -350,238 | +36.6% |
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| Parent Company | -222,159 | -350,238 | +36.6% |
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| Other Comprehensive Income | -222,159 | -350,238 | +36.6% |
| Total Stockholders' Equity | 4,781,514 | 4,623,858 | +3.4% |
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| Accumulated Other Comprehensive Income | -222,159 | -350,238 | +36.6% |
| Additional Paid In Capital | 861,211 | 1,246,826 | -30.9% |
| Common Stock | 157 | 168 | -6.5% |
| Retained Earnings | 5,132,050 | 4,695,348 | +9.3% |
| Treasury Stock Common | -989,745 | -968,246 | -2.2% |
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| Parent Company | 4,781,514 | 4,623,858 | +3.4% |
| Total Liabilities & Equity | 8,122,397 | 8,689,535 | -6.5% |
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| Parent Company | 6,851,943 | 6,022,425 | +13.8% |
| Common Stock (Q) | — | — | — |
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| Parent Company | 157 | 168 | -6.5% |
Cash Flow Statement
| Metric | FY 2025 | FY 2024 | YoY |
|---|---|---|---|
| Operating Activities | |||
| Income Loss From Discontinued Operations Net Of Tax | -35,539 | -55,875 | +36.4% |
| Net Income | 618,179 | 660,315 | -6.4% |
| Gains Losses On Extinguishment Of Debt | 513 | 4,275 | -88.0% |
| Depreciation Amortization And Accretion Net | 46,434 | 61,747 | -24.8% |
| Deferred Income Taxes | 138,617 | 165,919 | -16.5% |
| Increase Decrease In Accrued Investment Income Receivable | 4,023 | 711 | +465.8% |
| Change in Accounts Receivable | 793 | -1,773 | +144.7% |
| Increase Decrease In Reinsurance Recoverable | -14,247 | -9,475 | -50.4% |
| Increase Decrease In Deferred Policy Acquisition Costs | -1,272 | 972 | -230.9% |
| Increase Decrease In Prepaid Taxes | -135,249 | -170,760 | +20.8% |
| Increase Decrease In Other Operating Assets | 35,506 | 27,606 | +28.6% |
| Increase Decrease In Unearned Premiums | -28,996 | -37,059 | +21.8% |
| Increase Decrease In Liability For Claims And Claims Adjustment Expense Reserve | 45,515 | -10,492 | +533.8% |
| Increase Decrease In Funds Held Under Reinsurance Agreements | 1,883 | -8,581 | +121.9% |
| Increase Decrease In Accrued Liabilities And Other Operating Liabilities | 8,264 | -32,806 | +125.2% |
| Net Cash Provided By Used In Operating Activities Continuing Operations | 719,987 | 654,946 | +9.9% |
| Cash Provided By Used In Operating Activities Discontinued Operations | -600,125 | -1,318,518 | +54.5% |
| Net Cash from Operations | 119,862 | -663,572 | +118.1% |
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| Parent Company | 340,791 | 246,885 | +38.0% |
| Depreciation & Amortization | 10 | 15 | -33.3% |
| Investing Activities | |||
| Proceeds From Sale Of Available For Sale Securities Debt | 976,393 | 511,647 | +90.8% |
| Proceeds From Sale Of Trading Securities Heldforinvestment | 8,405 | — | — |
| Proceeds From Sale Of Equity Securities Fv Ni | 113,695 | 45,747 | +148.5% |
| Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities | 853,018 | 894,671 | -4.7% |
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| Parent Company | 270,942 | 320,026 | -15.3% |
| Proceeds From Maturities Repayments And Calls Of Trading Securities Heldforinvestment | 11,085 | 17,081 | -35.1% |
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| Parent Company | 295 | 23 | +1182.6% |
| Purchases of Investments | -766,492 | -1,341,259 | +42.9% |
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| Parent Company | -6,159 | -63,733 | +90.3% |
| Payments To Acquire Equity Securities Fv Ni | -31,543 | -23,425 | -34.7% |
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| Parent Company | -18,677 | -18,166 | -2.8% |
| Payments For Proceeds From Short Term Investments | -1,246,612 | 175,075 | -812.0% |
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| Parent Company | -731,663 | 339,819 | -315.3% |
| Other Investing Activities | -8,782 | 1,115 | -887.6% |
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| Parent Company | -4,210 | -158 | -2564.6% |
| Payments To Acquire Productive Assets | -4,206 | -1,563 | -169.1% |
| Net Cash Provided By Used In Investing Activities Continuing Operations | -95,039 | 279,089 | -134.1% |
| Cash Provided By Used In Investing Activities Discontinued Operations | 222,325 | 48,657 | +356.9% |
| Net Cash from Investing | 127,286 | 327,746 | -61.2% |
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| Parent Company | 231,770 | 551,109 | -57.9% |
| Transfer Mortgage Payable | 767,948 | 778,523 | -1.4% |
| Mortgage Loan Related To Property Sales1 | 6,726 | 2,615 | +157.2% |
| Right- Of- Use Asset Obtained In Exchange For Operating Lease Liability Discontinued Operations | 1,186 | 1,242 | -4.5% |
| Financing Activities | |||
| Payments Of Dividends Common Stock | -145,615 | -151,961 | +4.2% |
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| Parent Company | -145,615 | -151,961 | +4.2% |
| Proceeds From Issuance Of Common Stock | 1,043 | 928 | +12.4% |
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| Parent Company | 1,043 | 928 | +12.4% |
| Share Repurchases | -431,909 | -225,059 | -91.9% |
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| Parent Company | -431,909 | -225,059 | -91.9% |
| Proceeds And Repayments Of F H L Bank Borrowings Net Financing Activities | 592 | -23,541 | +102.5% |
| Proceeds From Federal Home Loan Bank Borrowings | 44,679 | 6,500 | +587.4% |
| Repayments Of Federal Home Loan Bank Borrowings | -49,928 | -32,371 | -54.2% |
| Proceeds From Credit Facility Borrowings | 50,000 | — | — |
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| Parent Company | 50,000 | — | — |
| Repayments Of Lines Of Credit | -50,000 | — | — |
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| Parent Company | -50,000 | — | — |
| Proceeds From Payments For Other Financing Activities | -4,005 | -812 | -393.2% |
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| Parent Company | -4,005 | -812 | -393.2% |
| Proceeds From Repayments Of Cash Collateral For Loaned Securities | -63,511 | -23,641 | -168.6% |
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| Parent Company | 12,048 | -57,174 | +121.1% |
| Net Cash Provided By Used In Financing Activities Continuing Operations | -648,654 | -810,291 | +19.9% |
| Cash Provided By Used In Financing Activities Discontinued Operations | 405,556 | 1,167,524 | -65.3% |
| Net Cash from Financing | -243,098 | 357,233 | -168.1% |
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| Parent Company | -568,438 | -794,412 | +28.4% |
| Supplemental | |||
| Income Taxes Paid Net From Continuing Operations | 137,133 | 172,708 | -20.6% |
| Interest Paid | 64,043 | 89,090 | -28.1% |
| Interest Paid Discontinued Operations | 27,181 | 18,602 | +46.1% |
| Income Taxes Paid | 137,133 | 172,647 | -20.6% |
| Other Cash Flow | |||
| Net Change in Cash | 4,050 | 21,407 | -81.1% |
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| Parent Company | 4,123 | 3,582 | +15.1% |
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents | 45,522 | 41,472 | +9.8% |
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| Parent Company | 9,905 | 5,782 | +71.3% |
Values in thousands USD. Source: SEC EDGAR 10-K filing.