Value
8.6/10data confidence 100%| Component | Sub-score |
|---|---|
| P/E | 9.4 |
| P/S | 8.1 |
| EV/EBITDA | 8.4 |
| Fwd P/E | 9.8 |
| PEG | 10.0 |
| Analyst target | 6.0 |
- ▸Forward P/E: 6.1x
- ▸PEG: 0.22
- ▸Attractively valued
RDN · Why this verdict
Why Radian Group (RDN) is rated BUY WAIT
Updated
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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VerdictBUY WAIT
Overall score6.9/10
ConfidenceHIGH
MacroRISK_OFF
Per-dimension breakdown
Quality
7.4/10data confidence 100%| Component | Sub-score |
|---|---|
| ROE | 4.2 |
| ROA | 3.8 |
| Gross margin | 10.0 |
| Op margin | 10.0 |
| Net margin | 10.0 |
| Current ratio | 5.7 |
| FCF quality | 3.9 |
| Moat | 8.4 |
| Rule of 40 | 9.5 |
| Piotroski F | 8.9 |
- ▸Strong margins: 41%
- ▸Earnings quality RED FLAG: 49% FCF/NI
- ▸Wide economic moat
- ▸Compounder quality: strong returns + growth
Growth
8.8/10data confidence 67%| Component | Sub-score |
|---|---|
| Rev growth | 10.0 |
| EPS growth | 7.7 |
- ▸Strong growth: 59% YoY
Momentum
3.1/10data confidence 100%| Component | Sub-score |
|---|---|
| RSI | 3.0 |
| MACD | 0.0 |
| OBV | 6.4 |
| MA position | 2.2 |
| Volume | 3.9 |
- ▸Capitulation risk (RSI 27, below 200MA)
- ▸Below 200-MA but MA still rising (+1.2%/30d) — pullback in uptrend, not confirmed weakness
Sentiment
7.0/10data confidence 100%| Component | Sub-score |
|---|---|
| Analyst rating | 6.6 |
| Price target | 8.4 |
| erm sentiment | 6.1 |
- ▸Light analyst coverage (6.0) — signal dampened
- ▸Analyst upside: 28%
Insider
4.9/10data confidence 75%| Component | Sub-score |
|---|---|
| materiality | 6.5 |
| insider conviction | 3.0 |
| holder change | 5.1 |
- ▸Modest insider buying — $2,980,029 (0.066% of mkt cap)
Peer rank
5.9/10data confidence 80%| Component | Sub-score |
|---|---|
| value rank | 6.0 |
| quality rank | 3.5 |
| growth rank | 9.0 |
- ▸Industry growth leader
Technical
8.2/10data confidence 100%| Component | Sub-score |
|---|---|
| bollinger | 8.0 |
| support resistance | 9.0 |
| 52w position | 7.7 |
Risk (lower is worse)
7.1/10data confidence 100%| Component | Sub-score |
|---|---|
| short interest | 8.1 |
| days to cover | 7.0 |
| volatility | 5.5 |
| put call | 7.1 |
| implied vol | 4.4 |
| max pain risk | 7.0 |
| beta | 8.6 |
| debt equity | 8.9 |
Catalyst
6.5/10data confidence 100%| Component | Sub-score |
|---|---|
| erm | 8.0 |
| earnings history | 10.0 |
| earnings timing | 5.0 |
| surprise avg | 4.5 |
| dividend safety | 5.2 |
- ▸Perfect beat streak: 4Q
- ▸Dividend: 302.0%
How the verdict was assembled
Engine trigger
Strong overall profile with balanced scores.
Engine technical detail
verdict_path:
L4:PATH_D_BALANCED|ENTRY_STICKY:WITHIN_BANDPassed (6)
- ASYMMETRY:2.0>=1.5
- INSIDER:OK
- NEWS_EVENTS:NONE_RECENT
- EARNINGS_PROXIMITY:52d clear
- SEMI_CYCLE_PEAK:CLEAR
- MATERIALS_CYCLE_PEAK:CLEAR
Failed (1)
- MOMENTUM:3.1<4.5
Warning (1)
- 8K_CSUITE_CHANGE:5.02 (officer departure/appointment)
Reward-to-Risk
1.98
Upside
+11.1%
Downside
5.6%
Sizing output
STARTER
SetupUNKNOWN — No clear chart pattern; technical signals are mixed
EdgeNO_EDGE — No clear edge identified
SuitabilityAGGRESSIVE — MCap $4.5B<$5B
Investment implication
The D-path balanced-high-score trigger fired: quality 7.4 and value 8.6 both cleared their gates at R:R of 1.98.
The strongest dimensions are Growth at 8.8, Value at 8.6, and Technical at 8.2; the weakest are Momentum at 3.1, Insider at 4.9, and Peer rank at 5.9. The V9 engine flagged 1 failed gate with 1 warning, producing an asymmetric reward-to-risk of 1.98 and an engine sizing output of STARTER.