Radian vs Upstart
This page compares Radian and Upstart, examining their business models, financial performance indicators, and the market context in which they operate. It presents neutral, accessible information to help readers understand how each company positions itself, the services they offer, and the broader industry environment. Educational content, not financial advice.
This page compares Radian and Upstart, examining their business models, financial performance indicators, and the market context in which they operate. It presents neutral, accessible information to h...
Which Baskets Do They Appear In?
The Great Mortgage Privatization
The planned IPOs for mortgage giants Fannie Mae and Freddie Mac signal a historic shift toward privatization in the U.S. housing market. This move stands to benefit not only the investment banks managing the deal but also a wider ecosystem of mortgage lenders and insurers.
Published: August 11, 2025
Explore BasketWhich Baskets Do They Appear In?
The Great Mortgage Privatization
The planned IPOs for mortgage giants Fannie Mae and Freddie Mac signal a historic shift toward privatization in the U.S. housing market. This move stands to benefit not only the investment banks managing the deal but also a wider ecosystem of mortgage lenders and insurers.
Published: August 11, 2025
Explore BasketInvestment Analysis
Radian
RDN
Pros
- Radian Group has demonstrated consistent profitability with a net profit margin above 45% in recent quarters.
- The company maintains a strong balance sheet with a low debt-to-equity ratio, supporting financial stability.
- Radian offers a competitive dividend yield above 3%, with a history of regular payouts to shareholders.
Considerations
- Radian's business is highly sensitive to the US housing market, exposing it to cyclical downturns and regulatory changes.
- Revenue growth has been modest, with only single-digit percentage increases in recent years.
- Analyst consensus is a 'hold' rating, indicating limited near-term upside potential.
Upstart
UPST
Pros
- Upstart's AI lending platform has achieved rapid revenue growth, with a year-on-year increase of over 20% in 2024.
- The company operates with a gross margin near 100%, reflecting a scalable and asset-light business model.
- Upstart has generated positive free cash flow, showing improved operational efficiency despite net losses.
Considerations
- Upstart remains unprofitable, reporting a net loss in 2024 and negative net margins.
- The company's valuation is high relative to earnings, with a negative PE ratio and elevated price-to-sales multiple.
- Upstart's performance is closely tied to credit market conditions and regulatory scrutiny, increasing volatility risk.
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