Analyzing Radian Group (NYSE:RDN) & Currenc Group (NASDAQ:CURR)

Currenc Group (NASDAQ:CURR) and Radian Group (NYSE:RDN) are both finance companies, but which is the better stock? We will compare the two companies based on the strength of their dividends, earnings, analyst recommendations, risk, profitability, valuation and institutional ownership.

Risk and Volatility

Currenc Group has a beta of 0.17, suggesting that its stock price is 83% less volatile than the S&P 500. Comparatively, Radian Group has a beta of 0.69, suggesting that its stock price is 31% less volatile than the S&P 500.

Profitability

This table compares Currenc Group and Radian Group’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Currenc Group	N/A	N/A	N/A
Radian Group	28.41%	14.39%	6.88%

Valuation and Earnings

This table compares Currenc Group and Radian Group”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Currenc Group	$37.81 million	3.55	-$18.43 million	($0.30)	-5.83
Radian Group	$1.20 billion	3.89	$582.64 million	$4.08	9.02

Radian Group has higher revenue and earnings than Currenc Group. Currenc Group is trading at a lower price-to-earnings ratio than Radian Group, indicating that it is currently the more affordable of the two stocks.

Institutional & Insider Ownership

56.0% of Currenc Group shares are owned by institutional investors. Comparatively, 95.3% of Radian Group shares are owned by institutional investors. 17.8% of Currenc Group shares are owned by insiders. Comparatively, 2.0% of Radian Group shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Analyst Recommendations

This is a summary of recent recommendations and price targets for Currenc Group and Radian Group, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Currenc Group	2	0	0	0	1.00
Radian Group	0	3	6	0	2.67

Radian Group has a consensus target price of $42.57, suggesting a potential upside of 15.69%. Given Radian Group’s stronger consensus rating and higher possible upside, analysts clearly believe Radian Group is more favorable than Currenc Group.

Summary

Radian Group beats Currenc Group on 12 of the 13 factors compared between the two stocks.

About Currenc Group

Currenc Group is a financial technology company focused on digital remittance and cross-border payment services. Through its businesses, it provides platforms for sending and receiving money internationally. The company also offers payment technology and related services to financial institutions and other businesses seeking digital solutions for money transfers. Its activities are centered on making international payments more accessible and efficient.

About Radian Group

Radian Group Inc. is a mortgage and real estate services company whose primary business is private mortgage insurance. Through its subsidiaries, it provides mortgage insurance to lenders and other housing finance participants in the United States. Mortgage insurance helps protect lenders and investors against losses if borrowers default. It can also support home purchases by allowing qualified borrowers to obtain mortgages with smaller down payments than would otherwise be required. Radian also offers services and solutions related to mortgage risk management.