Last 47 quarters of trend data · Financial Services · Insurance - Specialty
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Radian Group Inc.'s quarterly P/E stands at 7.8x, down 3.3% year-over-year. EV/EBITDA has compressed 8.9% YoY to 7.6x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 9.09 | 7.82 | 8.79 | 8.83 | 8.44 | 8.09 | 8.76 | 7.93 | 8.54 | 7.84 | 6.41 | 6.95 | 5.64 |
| — | -3.3% | +0.4% | +11.3% | -1.2% | +3.2% | +36.8% | +14.2% | +51.4% | +66.2% | +59.4% | +62.6% | +2.6% | |
| P/S Ratio | 4.11 | 4.13 | 4.02 | 3.92 | 3.84 | 3.80 | 4.15 | 3.74 | 4.09 | 3.44 | 3.22 | 3.51 | 2.88 |
| — | +8.4% | -3.2% | +4.9% | -5.9% | +10.5% | +29.1% | +6.6% | +42.0% | +41.3% | +19.9% | +16.8% | -15.2% | |
| P/B Ratio | 1.09 | 1.04 | 1.07 | 1.11 | 1.07 | 1.04 | 1.13 | 1.07 | 1.18 | 1.02 | 0.97 | 0.97 | 0.87 |
| — | -0.3% | -5.0% | +3.5% | -9.4% | +2.1% | +16.7% | +10.0% | +35.4% | +30.5% | +13.9% | +11.1% | -9.4% | |
| P/FCF | 15.23 | 3.06 | 3.49 | — | 18.34 | — | — | — | 26.37 | 4.27 | 14.17 | 15.13 | 7.96 |
| — | — | — | — | -30.5% | — | — | — | +231.3% | -44.0% | +79.5% | -0.3% | -9.9% | |
| EV / EBITDA | 7.73 | 7.55 | 7.62 | 10.14 | 8.95 | 8.29 | 7.99 | 8.16 | 8.11 | 8.35 | 6.52 | 7.60 | 6.15 |
| — | -8.9% | -4.6% | +24.4% | +10.4% | -0.7% | +22.6% | +7.3% | +32.0% | +49.4% | +42.6% | +61.6% | +6.9% | |
| EV / EBIT | 8.17 | 7.55 | 7.10 | 10.19 | 8.61 | 8.42 | 7.67 | 7.88 | 7.74 | 7.55 | 6.27 | 6.84 | 5.60 |
| — | -10.2% | -7.3% | +29.2% | +11.3% | +11.5% | +22.3% | +15.2% | +38.1% | +48.3% | +48.0% | +56.6% | +5.7% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Radian Group Inc.'s operating margin was 66.8% in Q4 2025, up 2.8 pp QoQ and up 7.1 pp YoY. This marks the 3rd consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. The trailing four-quarter average of 61.3% lags the current quarter, suggesting the recent improvement is above-trend.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 92.3% | 95.7% | 91.9% | 91.3% | 90.5% | 94.8% | 92.9% | 95.5% | 97.2% | 94.1% | 97.5% | 102.1% | 100.1% |
| — | +0.9% | -1.1% | -4.5% | -6.9% | +0.7% | -4.7% | -6.4% | -2.9% | -11.9% | -21.7% | -21.3% | -15.1% | |
| Operating Margin | 61.2% | 66.8% | 63.9% | 55.1% | 59.3% | 59.7% | 67.0% | 58.6% | 62.2% | 55.2% | 64.3% | 63.1% | 65.8% |
| — | +11.8% | -4.6% | -6.0% | -4.6% | +8.3% | +4.2% | -7.1% | -5.5% | -14.6% | -25.4% | -30.4% | -17.6% | |
| Net Margin | 46.7% | 51.5% | 45.5% | 44.6% | 45.5% | 46.8% | 47.5% | 47.3% | 47.7% | 43.8% | 50.1% | 50.4% | 50.9% |
| — | +10.0% | -4.2% | -5.7% | -4.6% | +7.0% | -5.2% | -6.2% | -6.3% | -15.1% | -25.2% | -28.1% | -17.6% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.4% | 3.3% | 3.1% | 3.1% | 3.1% | 3.2% | 3.3% | 3.4% | 3.4% | 3.3% | 3.8% | 3.5% | 3.9% |
| — | +3.3% | -6.5% | -8.3% | -9.0% | -4.7% | -12.1% | -3.5% | -12.3% | -21.3% | -27.2% | -29.1% | -8.8% | |
| ROA | 6.9% | 1.9% | 1.6% | 1.5% | 1.7% | 1.7% | 1.8% | 1.9% | 2.0% | 1.9% | 2.1% | 2.0% | 2.2% |
| — | +9.4% | -13.4% | -19.2% | -16.4% | -8.9% | -13.9% | -5.0% | -10.3% | -17.5% | -23.3% | -25.5% | -5.7% | |
| ROIC | 8.9% | 2.6% | 2.2% | 1.8% | 2.0% | 2.1% | 2.5% | 2.2% | 2.5% | 2.3% | 2.6% | 2.4% | 2.8% |
| — | +23.4% | -9.9% | -20.0% | -17.4% | -9.1% | -6.7% | -7.7% | -11.2% | -19.4% | -26.9% | -31.8% | -11.1% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Radian Group Inc.'s Debt/EBITDA ratio is 5.6x — elevated, raising questions about debt serviceability. The current ratio has weakened 90.0% YoY to 4.28x, tightening the short-term liquidity position. Debt/Equity has declined for 3 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.24 | 0.24 | 0.25 | 0.72 | 0.52 | 0.51 | 0.42 | 0.45 | 0.39 | 0.36 | 0.40 | 0.38 | 0.37 |
| — | -53.3% | -40.6% | +60.9% | +35.2% | +41.0% | +4.5% | +16.6% | +3.6% | -10.2% | -4.7% | -5.8% | -0.5% | |
| Debt / EBITDA | 1.40 | 5.63 | 5.73 | 15.98 | 11.85 | 10.91 | 8.66 | 9.61 | 8.08 | 8.73 | 7.69 | 8.66 | 7.48 |
| — | -48.4% | -33.8% | +66.3% | +46.7% | +25.0% | +12.6% | +10.9% | +8.0% | +14.0% | +25.9% | +41.5% | +12.7% | |
| Current Ratio | 4.28 | 4.28 | 4.01 | 3.97 | 46.22 | 42.96 | 11.12 | 6.52 | 6.39 | 5.78 | 29.69 | 28.74 | 30.30 |
| — | -90.0% | -64.0% | -39.2% | +623.4% | +642.8% | -62.5% | -77.3% | -78.9% | -33.0% | +28.7% | +40.4% | +30.0% | |
| Quick Ratio | 4.28 | 4.28 | 4.01 | 3.97 | 46.22 | 42.96 | 11.12 | 6.52 | 6.39 | 5.78 | 29.69 | 28.74 | 30.30 |
| — | -90.0% | -64.0% | -39.2% | +623.4% | +642.8% | -62.5% | -77.3% | -78.9% | -33.0% | +28.7% | +40.4% | +30.0% | |
| Interest Coverage | 12.64 | — | 12.56 | 7.76 | 9.38 | 9.40 | 10.79 | 7.95 | 9.02 | 9.75 | 9.63 | 9.38 | 10.52 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Radian Group Inc.'s current P/E is 9.1x. The average P/E over the last 4 quarters is 8.5x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Radian Group Inc.'s current operating margin is 61.2%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Radian Group Inc.'s business trajectory between earnings reports.