Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.24B | $1.22B | $1.27B | $1.53B | $1.44B | $1.33B | $1.19B | $1.18B | $1.21B | $1.20B |
| Revenue growth | — | -1.4% | 4.2% | 19.9% | -5.8% | -7.6% | -10.5% | -1.1% | 2.5% | -0.8% |
| Net income | $308M | $121M | $606M | $672M | $394M | $601M | $743M | $603M | $604M | $583M |
| Net margin | 24.9% | 9.9% | 47.6% | 44.0% | 27.4% | 45.2% | 62.4% | 51.2% | 50.1% | 48.7% |
| EPS (diluted) | $1.37 | $0.55 | $2.77 | $3.20 | $2.00 | $3.16 | $4.35 | $3.77 | $3.92 | $4.14 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $382M | $361M | $678M | $694M | $658M | $557M | $388M | $529M | -$664M | $120M |
| Capital expenditures | — | — | — | — | — | $12.6M | $17.7M | $8.53M | $1.56M | $4.21M |
| Free cash flow | — | — | — | — | — | $545M | $371M | $521M | -$665M | $116M |
| Share buybacks | $100M | $6.00K | $50.1M | $300M | $226M | $399M | $400M | $133M | $225M | $432M |
| Dividends paid | $2.10M | $2.15M | $2.14M | $2.06M | $97.5M | $103M | $135M | $146M | $152M | $146M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $52.1M | $80.6M | $95.4M | $92.7M | $87.9M | $151M | $56.2M | $19.0M | $19.2M | $24.8M |
| Total assets | $5.86B | $5.90B | $6.31B | $6.81B | $7.95B | $7.84B | $7.06B | $7.59B | $8.69B | $8.12B |
| Total liabilities | $2.99B | $2.90B | $2.83B | $2.76B | $3.66B | $3.58B | $3.14B | $3.20B | $4.07B | $3.34B |
| Long-term debt | $1.07B | $1.03B | — | — | — | — | — | — | — | — |
| Shareholders' equity | $2.87B | $3.00B | $3.49B | $4.05B | $4.28B | $4.26B | $3.92B | $4.40B | $4.62B | $4.78B |
| Retained earnings | $998M | $1.12B | $1.72B | $2.39B | $2.68B | $3.18B | $3.79B | $4.24B | $4.70B | $5.13B |
| Shares (wtd avg diluted) | 229M | 220M | 219M | 210M | 197M | 190M | 171M | 160M | 154M | 141M |
Every figure is extracted from RADIAN GROUP INC’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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