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RDN

Radian Group Inc
Chart
$33.80
Latest Week 2026-06-05
Financial ServicesInsurance - SpecialtyMID
Snapshot 2026-06-07 · 0.0w · Fresh
0.85
OS Score
84.0%
Value
78.0%
Quality
28.0%
Momentum
6/9
F-Score
0.809
QV
StrategiesValueQualityMomentumCompositeInteractionsFactor AnalysisTrendsFundamentals
Strategy Eligibility
9 of 23 passing
★
OS Composite
OS 0.850
↗
Trending Value
✗
◆
Quality × Value
QV 0.809
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
P/E 8.3
◇
VC2 Cheapest
✗
📐
EBITDA/EV
13.6%
◐
Veiled Value
✗
▣
Piotroski Bargains
✗
🔬
Quality Compounders
✗
📈
Consistent Earners
Noneyr
🌱
GARP
✗
🔄
Shareholder Yield
3.1%
💰
High Yield
Div 3.1%
🚀
Momentum Leaders
12-1 15%
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
✗
🛡
Low Volatility
Vol 22%
🏷
Sector Cheapest
✗
🧠
Capital Allocators
✗
⚡
Risk-Adj Momentum
✗
V
Value Analysis
Cheapness relative to fundamentals
84.0%ile
P/E
8.3×
P/S
3.4×
P/B
1.0×
E/P
0.1201
FCF Yield
0.055
EBITDA/EV
0.136
SH Yield
0.031
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
19.00000000
/100 — 1=cheapest
VC2 (Trending Value)
16.00000000
/100
VC3 (Buyback)
16.00000000
/100
P/E of 8.3x places this firmly in deep value territory.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
78.0%ile
ROE
0.117
ROA
0.055
Net Margin
0.403
Op Margin
0.567
GPA
0.119
D/E
1.14
Current
0.49
F-Score
6/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
0.095
Earn Growth
-0.058
Stability
0.067
lower=better
Accruals
0.022
lower=better
5yr Consist
Yes
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
28.0%ile
6M Return
-2.0%
12M Return
3.0%
12-1 Mom
15.2%
Risk-Adj
0.69
Vol 252d
22.1%
Vol 60d
49.1%
↑ Expanding
Max DD 12M
-11.5%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
Near-term vol (49%) is expanding vs long-term (22%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.85
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services · 500 peers
Sector Value %ile
58.1%
Sector Quality %ile
55.9%
P/E z-score
-0.27
P/B z-score
-0.07
Sector Avg OS
86.5%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
SymbolNameOSValueQualityMomentum
CARE Carter Bank and Trust 99.0% 96.0% 98.0% 88.0%
UVE Universal Insurance Holdings Inc 99.0% 96.0% 94.0% 82.0%
MCY Mercury General Corporation 99.0% 95.0% 93.0% 86.0%
BFH Bread Financial Holdings, Inc. 99.0% 97.0% 97.0% 90.0%
BAP Credicorp Ltd 99.0% 98.0% 93.0% 84.0%
HG Hamilton Insurance Group, Ltd. 99.0% 97.0% 94.0% 85.0%
SYF Synchrony Financial 98.0% 96.0% 97.0% 72.0%
IFS Intercorp Financial Services Inc 98.0% 98.0% 90.0% 78.0%
Factor Interactions
Value + Quality Intersection
Top-tier on both cheapness (84th) and quality (78th) — the O'Shaughnessy sweet spot, historically the strongest long-term combination.
Volatility Expanding
60-day vol (49%) significantly exceeds 252-day (22%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
B
73.3% avg (7 factors)
Quality
C
50.9% avg (8 factors)
Momentum
D
41.9% avg (4 factors)
Risk
A
79.9% avg (1 factors)
Momentum is weak, suggesting the market isn't yet buying this thesis. Patience required.
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Factor Persistence1 snapshots
FactorCurrentStreakTrendSpark
OS Composite0.850—1—
Value %ile0.840—1—
Quality %ile0.780—1—
Momentum %ile0.280—1—
F-Score6.000—0—
Confidence1.000—1—
Volatility0.221—0—
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
8.32
Earnings Yield (E/P)
0.1201
Price / Sales
3.35
Price / Book
0.97
Price / Cash Flow
13.89
FCF Yield
5.5%
EBITDA / EV
13.6%
Sales Yield (1/P·S)
0.2265
Shareholder Yield
Div + net buyback / mktcap
3.1%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
11.7%
Return on Assets
5.5%
Net Margin
40.3%
Operating Margin
56.7%
Gross Profit / Assets
Novy-Marx GPA
11.9%
Debt / Equity
1.14
Current Ratio
0.49
Accruals Ratio
(NI-OCF)/Assets — lower=better
0.022
MomentumPrice trend strength over different horizons
6M Return
-2.0%
12M Return
3.0%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
15.2%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
0.69
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
9.5%
Earnings Growth (YoY)
-5.8%
Earnings Stability (CV)
Lower = more stable
0.067
5yr Consistent
EPS up every year for 5 years
Yes
Piotroski F-Score
6
Dividend Yield
3.1%
Buyback Yield
0.0%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
19
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
16
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
16
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Quarterly Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity