RDNHIGH SIGNALOPERATIONAL10-K

RDN completed a major acquisition of specialty insurer Inigo on February 2, 2026, funded through a $600 million intercompany note and accompanied by dramatic financial improvements including a 312% surge in net income and positive operating cash flow turnaround.

This represents a significant strategic pivot for RDN, expanding beyond mortgage insurance into global specialty insurance and reinsurance through the Inigo acquisition. The company simultaneously divested certain immaterial businesses and restructured operations, suggesting a focused strategy shift that appears to be delivering strong financial results based on the dramatic performance improvements.

Comparing 2026-02-20 vs 2025-02-14View on EDGAR →
FINANCIAL ANALYSIS

RDN delivered exceptional financial performance with net income surging 312% to $582.6M and revenue growing 295% to $1.2B, while operating cash flow turned positive from -$663.6M to +$119.9M. The company significantly increased share buybacks to $431.9M while reducing total liabilities by 17.3% to $3.3B, though cash declined 36% to $24.8M likely due to acquisition funding needs. Overall, the metrics signal a major business transformation that has dramatically improved profitability and cash generation, though cash management will need monitoring given the reduced liquidity position post-acquisition.

FINANCIAL STATEMENT CHANGES
Net Income
P&L
+311.9%
$141.4M$582.6M

Net income grew 311.9% — bottom-line growth signals improving overall business health.

Revenue
P&L
+294.8%
$303.2M$1.2B

Strong top-line growth of 294.8% — accelerating demand or successful expansion into new markets.

Operating Cash Flow
Cash Flow
+118.1%
-$663.6M$119.9M

Operating cash flow surged 118.1% — exceptional cash generation, highest quality earnings signal.

Share Buybacks
Cash Flow
+91.9%
$225.1M$431.9M

Share repurchases increased 91.9% — management returning capital, signals confidence in intrinsic value.

Operating Income
P&L
+53.4%
-$444.2M-$207.1M

Operating leverage kicking in — revenue growth outpacing cost growth, a hallmark of scaling businesses.

Interest Expense
P&L
-36.8%
$108.0M$68.3M

Interest expense declined — debt repayment or refinancing at lower rates improving earnings quality.

Cash & Equivalents
Balance Sheet
-36%
$38.8M$24.8M

Cash declined 36% — significant cash burn or deployment; verify adequacy of remaining liquidity runway.

Total Liabilities
Balance Sheet
-17.3%
$4.0B$3.3B

Liabilities reduced 17.3% — deleveraging improves balance sheet strength and financial flexibility.

LANGUAGE CHANGES
NEW — 2026-02-20
PRIOR — 2025-02-14
ADDED
All Other also had included: (i) income (losses) from assets held by Radian Group and (ii) related general corporate operating expenses, all of which were reallocated to our Mortgage Insurance reportable segment in the third quarter of 2025 for all prior and future periods.
Department of Housing and Urban Development IBNR Losses incurred but not reported IIF Insurance in force is the aggregate unpaid principal balances of the underlying loans, as reported by mortgage servicers or estimated by us Inigo Inigo Limited, a limited liability company incorporated in England and Wales, which, together with its subsidiaries, is a global specialty insurance and reinsurance company, underwriting through Syndicate 1301, serving some of the world s largest commercial and industrial enterprises.
Radian Group completed the acquisition of Inigo on February 2, 2026 4 Term Definition Intercompany Note A $600 million intercompany note payable to Radian Guaranty by Radian Group, entered into on December 29, 2025, in exchange for proceeds from Radian Guaranty to help fund the Inigo acquisition.
The note, which was approved by the Pennsylvania Insurance Department subject to certain terms and conditions, has a 10-year term and bears interest at 6.50% per annum.
In the third quarter of 2025, Radian announced the planned divestiture of this and certain other immaterial businesses, resulting in the reclassification of its results to held for sale and discontinued operations for all periods presented.
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REMOVED
Department of Housing and Urban Development IBNR Losses incurred but not reported IIF Insurance in force, equal to the aggregate unpaid principal balances of the underlying loans Initial Missed Payment The first missed monthly payment, which would be reported to us as delinquent as of the last day of the month for which it was due.
(For example, for a loan first reported to the approved insurer in May as having missed its payments due on April 1 and May 1, the Initial Missed Payment is deemed to have occurred on April 30.) JP Morgan Master Repurchase Agreement Uncommitted Master Repurchase Agreement, effective January 29, 2024, assigned by Flagstar Bank N.A.
These statements, which may include, without limitation, projections regarding our future performance and financial condition, are made on the basis of management s current views and assumptions with respect to future events.
Risk Factors of this Annual Report on Form 10-K and include, but are not limited to, the following material risks and uncertainties: Risks Related to Regulatory Matters Radian Guaranty may fail to maintain its eligibility status with the GSEs, and the additional capital required to support Radian Guaranty s eligibility could reduce our available liquidity.
housing finance market generally, could significantly impact our businesses.
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