| Company Name: | Radian Group | | Ticker Symbol: | RDN | | | WWW Address: | http://www.radiangroupinc.com | | CEO: | Sanford A. Ibrahim | | No. of Employees: | 835 | | Common Issue Type: | CS | | Business Description: | The Company, through its subsidiaries and affiliates, provides credit-related insurance coverage and financial services to mortgage lenders and other financial institutions.
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| | | Industry Information: | INSURANCE - Surety & Title Insurance [more like this] |
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| Price | Day Change | Bid | Ask | Open | High | Low | Volume | | 4.73 |  -0.23 | 4.13 | 4.8 | 5.05 | 5.16 | 4.84 | 2970419 |
| Market Cap (mil) | Shares Outstanding (mil) | Beta | EPS | DPS | P/E | Yield | 52-Wks-Range |
| 410.6 | 82.8 | 2.70 | -5.12 | 0.05 | 0.0 | 0.2 | 12.48 - 0.95 |
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| KEY FIGURES (Latest Twelve Months - LTM) | | Yesterday's Close | 4.96 | $ | | PE Ratio - LTM | 0.0 | |
| Market Capitalisation | 410.6 | mil |
| Latest Shares Outstanding | 82.8 | mil |
| Earnings pS (EPS) | -5.12 | $ |
| Dividend pS (DPS) | 0.05 | ¢ |
| Dividend Yield | 0.2 | % |
| Dividend Payout Ratio | 0 | % |
| Revenue per Employee | 2,236,926 | $ |
| Effective Tax Rate | 0.0 | % |
| Float | 81.6 | mil |
| Float as % of Shares Outstanding | 98.8 | % |
| Foreign Sales | - | |
| Domestic Sales | - | |
| Selling, General & Adm/tive (SG&A) as % of Revenue | - | |
| Research & Devlopment (R&D) as % of Revenue | - | |
| Gross Profit Margin | - | |
| EBITDA Margin | -59.1 | % |
| Pre-Tax Profit Margin | -48.0 | % |
| Assets Turnover | 0.1 | % |
| Return on Assets (ROA) | -3.7 | % |
| Return on Equity (ROE) | 0.0 | % |
| Return on Capital Invested (ROCI) | -9.7 | % |
| Current Ratio | - | |
| Leverage Ratio (Assets/Equity) | 3.9 | |
| Interest Cover | 0.0 | |
| Total Debt/Equity (Gearing Ratio) | 0.48 | |
| LT Debt/Total Capital | 32.0 | % |
| Working Capital pS | - | |
| Cash pS | - | |
| Book-Value pS | 25.86 | $ |
| Tangible Book-Value pS | 25.86 | $ |
| Cash Flow pS | -3.70 | $ |
| Free Cash Flow pS | -23.58 | $ |
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| KEY FIGURES (LTM): Price info |
| Price/Book Ratio | 0.19 | |
| Price/Tangible Book Ratio | 0.19 | |
| Price/Cash Flow | -1.3 | |
| Price/Free Cash Flow | -0.2 | |
| P/E as % of Industry Group | 0.0 | % |
| P/E as % of Sector Segment | 0.0 | % |
| | | Balance Sheet (at a glance) in Millions |
| | | | | | DIVIDEND INFO | | Dividend Declared Date | 11/12/2009 |
| Dividend Ex-Date | 11/18/2009 |
| Dividend Record Date | 11/22/2009 |
| Dividend Pay Date | 12/22/2009 |
| Dividend Amount | 2 |
| Type of Payment | Cash Payment |
| Dividend Rate | 0.01 |
| Current Dividend Yield | 0.2 |
| 5-Y Average Dividend Yield | 0.2 |
| Payout Ratio | 0.0 |
| 5-Y Average Payout Ratio | 1.0 |
|  | | Share price performance previous 3 years |
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 | | | Share price performance intraday |
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| PRICE/VOLUME | High | Low | Close | % Price Chg | % Price Chg vs. Mkt. | Avg. Daily Vol | Total Vol |
| 1 Week | - | - | - | -2.2 | 97 | 37,760 | 63,073 |
| 4 Weeks | 7.07 | 4.84 | 5.79 | -14.3 | 80 | 43,633 | 741,765 |
| 13 Weeks | 12.48 | 4.84 | 9.40 | -47.2 | 49 | 38,091 | 2,323,523 |
| 26 Weeks | 12.48 | 1.81 | 2.83 | 75.3 | 146 | 31,063 | 3,882,843 |
| 52 Weeks | 12.48 | 0.95 | 2.71 | 83.0 | 148 | 23,534 | 5,859,850 |
| YTD | 12.48 | 0.95 | - | 34.8 | 110 | 24,462 | 5,552,907 |
| Moving Average | 5-Days | 10-Days | 10-Weeks | 30-Weeks | 200-Days | Beta (60-Mnth) | Beta (36-Mnth) |
| 5.22 | 5.31 | 7.40 | 5.66 | 4.60 | 2.70 | 2.95 |
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| GROWTH RATES | 5-Year
Growh | R² of 5-Year Growth | 3-Year
Growth |
| Revenue | -10.46 | 6.4 | 0.76 |
| Income | 0.00 | 0.0 | 0.00 |
| Dividend | -24.75 | 53.5 | -42.29 |
| Capital Spending | -35.96 | NA | -32.48 |
| R&D | 0.00 | NA | 0.00 |
| Normalized Inc. | 0.00 | NA | 0.00 |
| | | CHANGES | YTD vs.
Last YTD | Curr Qtr vs.
Qtr 1-Yr ago | Annual vs.
Last Annual |
| Revenue % | -48.7 | -23.7 | 829.0 |
| Earnings % | 0.0 | -100.0 | 0.0 |
| EPS % | 0.0 | -100.0 | 0.0 |
| EPS $ | 1.32 | -1.32 | 11.10 |
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| SOLVENCY RATIOS | | SHORT-TERM SOLVENCY RATIOS (LIQUIDITY) |
| Free Cash Flow Margin | -18.80 |
| Free Cash Flow Margin 5YEAR AVG | 53.24 |
| Cash-Flow pS | -4.16 |
| Free Cash-Flow pS | -4.21 |
| FINANCIAL STRUCTURE RATIOS |
| Financial Leverage Ratio (Assets/Equity) | 4.00 |
| Debt Ratio | 74.98 |
| Total Debt/Equity (Gearing Ratio) | 0.50 |
| LT Debt/Equity | 0.50 |
| LT Debt/Capital Invested | 33.39 |
| LT Debt/Total Liabilities | 16.73 |
| | | | VALUATION RATIOS | | MULTIPLES |
| PQ Ratio | - |
| Tobin's Q Ratio | 0.05 |
| Current P/E Ratio - LTM | 0.00 |
| Enterprise Value (EV)/EBITDA | -0.01 |
| Enterprise Value (EV)/Free Cash Flow | -4.13 |
| Dividend Yield | 0.2 |
| Price/Tangible Book Ratio - LTM | 0.19 |
| Price/Book Ratio - LTM | 0.19 |
| Price/Cash Flow Ratio | -1.3 |
| Price/Free Cash Flow Ratio - LTM | -0.2 |
| P/E Ratio (1 month ago) - LTM | 0.0 |
| P/E Ratio (26 weeks ago) - LTM | 0.0 |
| P/E Ratio (52 weeks ago) - LTM | 0.0 |
| 5-Y High P/E Ratio | 0.0 |
| 5-Y Low P/E Ratio | 0.0 |
| 5-Y Average P/E Ratio | 0.0 |
| Current P/E Ratio as % of 5-Y Average P/E | 0 |
| P/E as % of Industry Group | 0.0 |
| P/E as % of Sector Segment | 0.0 |
| Current 12 Month Normalized P/E Ratio - LTM | 0.0 |
| PER SHARE FIGURES |
| Tangible Book Value pS - LTM | 25.86 |
| Book Value pS - LTM | 25.86 |
| Capital Invested pS | 36.83 |
| Cash Flow pS - LTM | -3.70 |
| Free Cash Flow pS - LTM | -23.58 |
| Earnings pS (EPS) | -5.12 |
| | | | OPERATING RATIOS | | PROFITABILITY |
| Return on Equity (ROE) | -20.22 |
| Return on Equity (ROE) - 5YEAR AVRG. | 0.0 |
| Return on Capital Invested (ROCI) | -13.47 |
| Return on Capital Invested (ROCI) - 5YEAR AVRG. | -0.4 |
| Return on Assets (ROA) | -5.06 |
| Return on Assets (ROA) - 5YEAR AVRG. | -0.2 |
| EBIT Margin - LTM | -43.1 |
| EBITDA Margin - LTM | -59.1 |
| Pre-Tax Profit Margin | -36.09 |
| Pre-Tax Profit Margin - 5YEAR AVRG. | -183.60 |
| Net Profit Margin | -21.98 |
| Net Profit Margin - 5YEAR AVRG. | -111.79 |
| Effective Tax Rate | 39.09 |
| Effective Tax Rate - 5YEAR AVRG. | 32.61 |
| EFFICIENCY RATIOS |
| Revenue per Employee - LTM | 1,192,472 |
| Net Income per Employee - LTM | -366,951 |
| Assets/Revenue - LTM | 1,000.00 |
| Assets/Revenue - 5YEAR AVRG. | 1,189.73 |
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