RADIAN GROUP INC (RDN) FY2025 10-K Annual Report
RADIAN GROUP INC (RDN) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Feb 20, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
RADIAN GROUP INC FY2025 10-K Analysis
Business Overview
- • Core business providing mortgage insurance primarily through Monthly Premium Policies with level premiums for 10 years followed by lower premiums
- • Emphasis on managing incurred losses driven by credit characteristics, average loan size, coverage percentage, and housing value changes
- • Focus on risk management given impact of housing market trends on default rates and claim estimates
- • Notable metric: loans eligible for policy cancellation once LTV reaches 80%, influencing premium trends and earned premium volatility
- • Variation in loan resets significantly affects premium income trends, highlighting sensitivity to loan portfolio composition changes
Management Discussion & Analysis
- • No revenue or profitability figures disclosed in the provided MDA section
- • Assets held for sale net carrying value $110M in 2025 vs $207M in 2024
- • No segment performance or margin data available for analysis
- • No cash flow, capital allocation, buybacks, dividends, or capex information provided
- • No forward-looking guidance, outlook, or emerging risks mentioned in the provided text
Risk Factors
- • Regulatory risk from SEC guidance on Critical Accounting Estimates affecting GAAP compliance and financial condition reporting
- • Macroeconomic exposure via $6.1B investment portfolio sensitive to interest-rate and credit-spread volatility
- • Operational vulnerability due to reliance on management’s complex subjective judgments for financial estimates under GAAP
- • Competitive threat from alternative mortgage insurance solutions potentially impacting Radian’s BBB- rated senior debt market positioning
- • Financial risk from fair value changes in fixed income securities impacting investment portfolio valuation and earnings volatility
RADIAN GROUP INC FY2025 Key Financial MetricsXBRL
Revenue
$1.2B
▼ -7.2% YoY
Net Income
$583M
▼ -3.6% YoY
Net Margin
48.7%
▲ +183bp YoY
ROE
12.2%
▼ -89bp YoY
Total Assets
$8.1B
▼ -6.3% YoY
EPS (Diluted)
$4.14
▲ +5.6% YoY
Operating Cash Flow
$120M
▲ +118.1% YoY
Source: XBRL data from RADIAN GROUP INC FY2025 10-K filing on SEC EDGAR. All figures in USD.
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