NYSE$RDN

Radian Group Inc · Q3 2022 earnings

Q3 2022 earnings · · Investor relations

Briefing

Radian's net income increased and return on equity improved, driven by strong credit performance and growth in the mortgage insurance portfolio.

Radian Group Inc. reported a strong third quarter with net income of $198.3 million, or $1.20 per diluted share, compared to $126.4 million, or $0.67 per diluted share, for the same quarter last year. The primary mortgage insurance in force portfolio grew over 7% year-over-year to $259 billion, and the company repurchased 9.5 million shares of common stock during the quarter.

  • GAAP net income was $198 million, or $1.20 per diluted share.
  • Adjusted diluted net operating income was $1.31 per diluted share.
  • Return on equity was 20.7% and adjusted net operating return on equity was 22.5%.
  • Primary mortgage insurance in force increased 7.3% year-over-year to $259 billion.

Headline financials

Total Revenue

$296M

Previous: $326M-9.1%
EPS (adj)

$1.31

Previous: $0.67+95.5%
Net premiums earned

$235M

No prior period
Book value per share

$23.80

Previous: $23.48+1.4%
New defaults

9.6K

No prior period
Free Cash Flow

$198M

Previous: $126M+56.9%
Net Income

$198M

Previous: $126M+56.9%
Operating Income

$164M

Previous: $136M+20.2%
Gross Profit

$205M

Previous: $301M-31.9%
Cash & Equivalents

$54.7M

Previous: $155M-64.6%
Total Assets

$6.99B

Previous: $8.04B-13.1%

Revenue & EPS history

Radian · Revenue · Quarterly

$296M

Q3 2022-9.1%vs Q3 2021
Beat estimate in 10 of 15 quarters(67%)
ActualEstimate

Revenue by segment

Radian · $281M total across 1 segment · Q3 2022

  • Mortgage Insurance
    $281M

Forward guidance

Radian did not provide forward guidance in the earnings report.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q3 2022

Historical avgQ3 2022

+0.0%

Avg return

Earnings day

+0.4%

Avg return

5 days after

+0.8%

Avg return

30 days after

48%

31 / 65 earnings

Positive

+19.2%

Q2 2011

Best reaction

-18.8%

Q3 2010

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-4.0%-2.6%-10.2%
Q4 2025+1.6%+6.3%+0.5%
Q3 2025-0.7%+3.0%+1.2%
Q1 2025+1.9%+5.1%+6.9%
Q4 2024-1.8%-4.8%-6.3%
Q3 2024+4.6%+5.8%+7.0%
Q2 2024-4.2%-8.7%-2.7%
Q1 2024+2.9%+4.8%+4.6%
Q4 2023-4.5%-2.1%+3.2%
Q3 2023+4.6%+6.6%+1.9%
Q2 2023+2.0%+4.0%+1.1%
Q1 2023+2.1%+5.9%+11.3%
Q4 2022-1.7%-1.1%-5.4%
Q3 2022-1.7%-0.8%-8.8%
Q2 2022+0.8%+0.0%-5.6%
Q1 2022+3.9%+0.1%-1.2%
Q4 2021+2.1%+2.4%-2.4%
Q3 2021-7.6%-6.8%-14.0%
Q2 2021-2.1%+2.5%+4.3%
Q1 2021-4.8%-4.5%-7.3%
Q4 2020-1.2%-1.0%+6.9%
Q3 2020-5.1%-2.6%+5.7%
Q2 2020+3.8%+4.7%+5.1%
Q1 2020+8.8%+6.0%+31.4%
Q4 2019-1.1%-3.0%-11.7%
Q3 2019+1.0%+1.0%+4.0%
Q2 2019-3.4%-7.0%-3.8%
Q1 2019+1.6%+2.4%-3.7%
Q4 2018-1.2%+1.3%+2.9%
Q3 2018+5.3%+3.8%+0.3%
Q2 2018+4.8%+8.2%+15.0%
Q1 2018-0.6%+3.5%+7.6%
Q4 2017+1.7%-2.0%-6.3%
Q3 2017+4.4%+3.3%+3.0%
Q2 2017+1.5%+0.9%+0.5%
Q1 2017-12.7%-14.3%-14.4%
Q4 2016-1.7%-0.3%+1.0%
Q3 2016-4.5%-7.8%+1.3%
Q2 2016+4.6%+1.5%+10.3%
Q1 2016+3.8%
Q4 2015+3.1%
Q3 2015-11.5%
Q2 2015-1.0%
Q1 2015-2.7%
Q4 2014-3.6%
Q3 2014+8.8%
Q2 2014+5.3%
Q1 2014+3.7%
Q4 2013+6.1%
Q3 2013-10.5%
Q2 2013+1.7%
Q1 2013-0.5%
Q4 2012+2.7%
Q3 2012+14.7%
Q2 2012+4.7%
Q1 2012+0.0%
Q4 2011-1.9%
Q4 2009-1.9%
Q3 2011-18.8%
Q3 2010-18.8%
Q2 2011+19.2%
Q2 2010-0.2%
Q1 2010-0.2%
Q4 2010-0.2%
Q1 2011-0.2%

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