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RDN vs SLMBP

RDN
Radian Group Inc.
NEUTRAL
Price
$35.43
Market Cap
$4.83B
Sector
Financial Services
AI Confidence
80%
SLMBP
SLM Corporation
BEARISH
Price
$74.25
Market Cap
$4.85B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
RDN
8.07
SLMBP
34.62
Forward P/E
RDN
6.58
SLMBP
--
P/B Ratio
RDN
1.0
SLMBP
6.72
P/S Ratio
RDN
4.03
SLMBP
2.94
EV/EBITDA
RDN
4.79
SLMBP
--

Profitability

Gross Margin
RDN
92.33%
SLMBP
100.0%
Operating Margin
RDN
76.73%
SLMBP
66.82%
Profit Margin
RDN
48.67%
SLMBP
45.1%
ROE
RDN
13.15%
SLMBP
32.3%
ROA
RDN
6.55%
SLMBP
2.49%

Growth

Revenue Growth
RDN
2.7%
SLMBP
67.8%
Earnings Growth
RDN
14.7%
SLMBP
126.2%

Financial Health

Debt/Equity
RDN
0.25
SLMBP
2.4
Current Ratio
RDN
3.96
SLMBP
1.28
Quick Ratio
RDN
1.99
SLMBP
1.23

Dividends

Dividend Yield
RDN
2.88%
SLMBP
8.23%
Payout Ratio
RDN
23.23%
SLMBP
--

AI Verdict

RDN NEUTRAL

Radian Group (RDN) presents a stark contrast between deep value and deteriorating operational health. While the stock is significantly undervalued relative to its Graham Number ($59.04) and Intrinsic Value ($127.53), the Piotroski F-Score of 3/9 indicates weak financial health and declining efficiency. Strong profitability margins and a low P/E of 8.07 are offset by bearish insider sentiment and a complete lack of technical momentum. The company remains a value play, but the fundamental health decay suggests caution.

Strengths
Deep value valuation with a P/E of 8.07 and PEG of 0.76
Exceptional profitability with operating margins at 76.73%
Strong liquidity position evidenced by a Current Ratio of 3.96
Risks
Weak Piotroski F-Score (3/9) signaling deteriorating financial health
Bearish insider activity with $2.12M in sales and zero buys
Negative Q/Q revenue growth of -11.85%
SLMBP BEARISH

SLMBP exhibits a dangerous divergence between explosive growth and deteriorating fundamental health, highlighted by a weak Piotroski F-Score of 2/9. While YoY earnings growth is exceptional at 126.2%, the stock trades at a significant premium to its Graham Number ($23.08) and Intrinsic Value ($63.28). High leverage (Debt/Equity 2.40) and a bearish technical trend (0/100) suggest that the current price of $74.25 is unsustainable. The high dividend yield of 8.23% appears risky given the low dividend strength score and poor health metrics.

Strengths
Exceptional YoY Earnings Growth (126.20%)
Strong Revenue Growth (67.80%)
High Return on Equity (32.30%)
Risks
Severe fundamental weakness (Piotroski F-Score 2/9)
Significant overvaluation relative to Graham Number ($23.08)
High leverage with Debt/Equity of 2.40 (above sector average of 1.40)

Compare Another Pair

RDN vs SLMBP: Head-to-Head Comparison

This page compares Radian Group Inc. (RDN) and SLM Corporation (SLMBP) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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