COMP <GO>
RDN vs BAC // NET PROFIT MARGIN
Radian Group Inc. (NYSE) VS. Bank of America Corporation (NYSE) • 15-METRIC TALLY: RDN 9
— BAC 4
▲ NET PROFIT MARGIN LEADER: RDN
LAST: $35.54 (-0.39%) • MKT CAP: $4.72B
net-margins
48.70%
LAST: $50.01 (-2.21%) • MKT CAP: $357.61B
net-margins
27.00%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (RDN VS. BAC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | RDN | BAC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 41.00% | 41.00% | 0.00 | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 9.10% | 2.50% | +6.60 | RDN | /roic <GO> |
| EV/EBITDA & P/E Valuation | 8.1x | 30.2x | -22.10 | RDN | /valuation <GO> |
| Free Cash Flow Yield | 1.40% | 2.10% | -0.70 | BAC | /fcf-yield <GO> |
| Operating Margin | 59.40% | 32.90% | +26.50 | RDN | /operating-margins <GO> |
| Net Profit Margin ACTIVE | 48.70% | 27.00% | +21.70 | RDN | /net-margins <GO> |
| Revenue Growth (YoY) | -0.80% | 6.80% | -7.60 | BAC | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 3.08% | 0.00% | +3.08 | RDN | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 2.45 | 0.45 | +2.00 | RDN | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 7/9 | -1.00 | BAC | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 6.60% | 6.60% | 0.00 | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 57.3 | 27.7 | +29.59 | RDN | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 0.92 | 0.90 | +0.02 | RDN | /macro-sensitivity <GO> |
| Forward P/E Multiple | 7.5x | 10.9x | -3.40 | RDN | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $4.72B | $357.61B | -$352.89B | BAC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | RDN REV | BAC REV | RDN GROSS % | BAC GROSS % | RDN FCF | BAC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.20B | $113.10B | 44.0% | 44.0% | $66.0M | $7.52B |
| FY 2024 | $1.21B | $105.86B | 96.8% | 44.0% | -$717.9M | -$13.57B |
| FY 2023 | $1.18B | $102.77B | 44.0% | 44.0% | $476.5M | $40.36B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
RDN // BETA 0.92
BAC // BETA 0.90