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Side-by-side financial comparison of HEARTLAND EXPRESS INC (HTLD) and RADIAN GROUP INC (RDN). Click either name above to swap in a different company.
RADIAN GROUP INC is the larger business by last-quarter revenue ($300.5M vs $179.4M, roughly 1.7× HEARTLAND EXPRESS INC). RADIAN GROUP INC runs the higher net margin — 51.5% vs -10.8%, a 62.4% gap on every dollar of revenue. On growth, RADIAN GROUP INC posted the faster year-over-year revenue change (2.7% vs -26.1%). RADIAN GROUP INC produced more free cash flow last quarter ($115.7M vs $-44.2M). Over the past eight quarters, RADIAN GROUP INC's revenue compounded faster (-0.2% CAGR vs -18.5%).
Heartland Express is an American trucking company headquartered in North Liberty, Iowa. The company offers truckload shipping services across the United States.
Radian Group Inc. is a mortgage insurance company with a suite of mortgage, risk, real estate, and title services.
HTLD vs RDN — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $179.4M | $300.5M |
| Net Profit | $-19.4M | $154.8M |
| Gross Margin | — | — |
| Operating Margin | -12.7% | 76.2% |
| Net Margin | -10.8% | 51.5% |
| Revenue YoY | -26.1% | 2.7% |
| Net Profit YoY | -949.2% | 4.4% |
| EPS (diluted) | $-0.24 | $1.11 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $179.4M | $300.5M | ||
| Q3 25 | $196.5M | $303.2M | ||
| Q2 25 | $210.4M | $298.6M | ||
| Q1 25 | $219.4M | $294.8M | ||
| Q4 24 | $242.6M | $292.7M | ||
| Q3 24 | $259.9M | $313.4M | ||
| Q2 24 | $274.8M | $298.6M | ||
| Q1 24 | $270.3M | $301.7M |
| Q4 25 | $-19.4M | $154.8M | ||
| Q3 25 | $-8.3M | $141.4M | ||
| Q2 25 | $-10.9M | $141.8M | ||
| Q1 25 | $-13.9M | $144.6M | ||
| Q4 24 | $-1.9M | $148.3M | ||
| Q3 24 | $-9.3M | $151.9M | ||
| Q2 24 | $-3.5M | $151.9M | ||
| Q1 24 | $-15.1M | $152.4M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 97.2% | ||
| Q1 25 | — | 97.0% | ||
| Q4 24 | — | 96.6% | ||
| Q3 24 | — | 97.0% | ||
| Q2 24 | — | 96.8% | ||
| Q1 24 | — | 96.9% |
| Q4 25 | -12.7% | 76.2% | ||
| Q3 25 | -3.7% | 65.5% | ||
| Q2 25 | -5.9% | 58.6% | ||
| Q1 25 | -6.8% | 63.9% | ||
| Q4 24 | 0.4% | 83.6% | ||
| Q3 24 | -2.7% | 68.4% | ||
| Q2 24 | 0.1% | 63.0% | ||
| Q1 24 | -5.3% | 65.8% |
| Q4 25 | -10.8% | 51.5% | ||
| Q3 25 | -4.2% | 46.7% | ||
| Q2 25 | -5.2% | 47.5% | ||
| Q1 25 | -6.3% | 49.0% | ||
| Q4 24 | -0.8% | 50.7% | ||
| Q3 24 | -3.6% | 48.5% | ||
| Q2 24 | -1.3% | 50.9% | ||
| Q1 24 | -5.6% | 50.5% |
| Q4 25 | $-0.24 | $1.11 | ||
| Q3 25 | $-0.11 | $1.03 | ||
| Q2 25 | $-0.14 | $1.02 | ||
| Q1 25 | $-0.18 | $0.98 | ||
| Q4 24 | $-0.03 | $0.97 | ||
| Q3 24 | $-0.12 | $0.99 | ||
| Q2 24 | $-0.04 | $0.98 | ||
| Q1 24 | $-0.19 | $0.98 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $18.5M | $24.8M |
| Total DebtLower is stronger | $154.1M | — |
| Stockholders' EquityBook value | $755.3M | $4.8B |
| Total Assets | $1.2B | $8.1B |
| Debt / EquityLower = less leverage | 0.20× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $18.5M | $24.8M | ||
| Q3 25 | $32.7M | $15.3M | ||
| Q2 25 | $22.9M | $22.1M | ||
| Q1 25 | $23.9M | $24.2M | ||
| Q4 24 | $12.8M | $19.2M | ||
| Q3 24 | $30.7M | $28.1M | ||
| Q2 24 | $23.9M | $13.8M | ||
| Q1 24 | $23.8M | $27.0M |
| Q4 25 | $154.1M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $187.9M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $755.3M | $4.8B | ||
| Q3 25 | $775.6M | $4.7B | ||
| Q2 25 | $786.7M | $4.5B | ||
| Q1 25 | $807.7M | $4.6B | ||
| Q4 24 | $822.6M | $4.6B | ||
| Q3 24 | $825.7M | $4.7B | ||
| Q2 24 | $836.8M | $4.5B | ||
| Q1 24 | $848.8M | $4.4B |
| Q4 25 | $1.2B | $8.1B | ||
| Q3 25 | $1.3B | $8.2B | ||
| Q2 25 | $1.3B | $9.6B | ||
| Q1 25 | $1.3B | $8.8B | ||
| Q4 24 | $1.3B | $8.7B | ||
| Q3 24 | $1.4B | $8.4B | ||
| Q2 24 | $1.4B | $8.1B | ||
| Q1 24 | $1.5B | $7.8B |
| Q4 25 | 0.20× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.23× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $14.9M | $119.9M |
| Free Cash FlowOCF − Capex | $-44.2M | $115.7M |
| FCF MarginFCF / Revenue | -24.6% | 38.5% |
| Capex IntensityCapex / Revenue | 33.0% | 1.4% |
| Cash ConversionOCF / Net Profit | — | 0.77× |
| TTM Free Cash FlowTrailing 4 quarters | $-66.9M | $-174.8M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $14.9M | $119.9M | ||
| Q3 25 | $27.5M | $358.4M | ||
| Q2 25 | $21.0M | $-713.3M | ||
| Q1 25 | $25.8M | $67.8M | ||
| Q4 24 | $37.8M | $-663.6M | ||
| Q3 24 | $35.6M | $-237.9M | ||
| Q2 24 | $40.0M | $-207.3M | ||
| Q1 24 | $31.0M | $51.0M |
| Q4 25 | $-44.2M | $115.7M | ||
| Q3 25 | $-12.2M | $357.6M | ||
| Q2 25 | $-12.8M | $-714.6M | ||
| Q1 25 | $2.3M | $66.6M | ||
| Q4 24 | $-45.5M | $-665.1M | ||
| Q3 24 | $24.6M | $-239.2M | ||
| Q2 24 | $29.4M | $-208.3M | ||
| Q1 24 | $26.3M | $49.5M |
| Q4 25 | -24.6% | 38.5% | ||
| Q3 25 | -6.2% | 117.9% | ||
| Q2 25 | -6.1% | -239.4% | ||
| Q1 25 | 1.0% | 22.6% | ||
| Q4 24 | -18.8% | -227.3% | ||
| Q3 24 | 9.5% | -76.3% | ||
| Q2 24 | 10.7% | -69.8% | ||
| Q1 24 | 9.7% | 16.4% |
| Q4 25 | 33.0% | 1.4% | ||
| Q3 25 | 20.2% | 0.3% | ||
| Q2 25 | 16.1% | 0.4% | ||
| Q1 25 | 10.7% | 0.4% | ||
| Q4 24 | 34.3% | 0.5% | ||
| Q3 24 | 4.2% | 0.4% | ||
| Q2 24 | 3.8% | 0.4% | ||
| Q1 24 | 1.7% | 0.5% |
| Q4 25 | — | 0.77× | ||
| Q3 25 | — | 2.53× | ||
| Q2 25 | — | -5.03× | ||
| Q1 25 | — | 0.47× | ||
| Q4 24 | — | -4.47× | ||
| Q3 24 | — | -1.57× | ||
| Q2 24 | — | -1.36× | ||
| Q1 24 | — | 0.34× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
