— Know what they know.
/
Not Investment Advice

RDN NYSE

Radian Group Inc.
1W: +0.8% 1M: +4.5% 3M: +12.5% YTD: +4.3% 1Y: +10.8% 3Y: +62.3% 5Y: +88.5%
$36.33
-0.88 (-2.36%)
 
Weekly Expected Move ±4.3%
$34 $35 $37 $39 $40
NYSE · Financial Services · Insurance - Specialty · Alpha Radar Buy · Power 63 · $4.8B mcap · 131M float · 1.02% daily turnover · Short 39% of daily vol
Overview News Chart Smart Money Financials Income Statement Cash Flow Balance Sheet Earnings
Dividends Analysis Technicals Weather Peers ESG Institutions ETF Exposure Dark Pool Short Interest Supply Chain

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

WEAK EDGE
47.9 / 100
NoneWeakNarrowWide
Primary source: Efficient Scale  ·  ROIC: 6097.7%  ·  5Y Avg: 1139.7%
Cost Advantage
60
Intangibles
35
Switching Cost
43
Network Effect
33
Scale ★
76
The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. RDN shows a Weak competitive edge (47.9/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Efficient Scale. ROIC of 6097.7% confirms the company is generating returns well above its cost of capital — a hallmark of durable competitive advantages.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets
$39
Low
$43
Avg Target
$47
High
Based on 2 analysts since May 6, 2026 earnings
Analyst Recommendations
Strong Buy: 0Buy: 13Hold: 9Sell: 0Strong Sell: 0
Rating Summary
ConsensusBuy
Avg Target$43.00
Analysts2
Price Target Change History
DateFirmAnalystOldNewChangeUpside @ CallStock@Call
2026-05-22 RBC Capital — $32 $47 +15 +26.3% $37.20
2026-05-11 Barclays — $40 $39 -1 +2.5% $38.06
2026-02-23 Barclays — $37 $40 +3 +20.0% $33.32
2025-10-15 UBS — $36 $40 +4 +17.8% $33.96
2025-10-06 Barclays — $21 $37 +16 +6.2% $34.85
2025-05-05 UBS Doug Harter $32 $36 +4 +6.2% $33.89
2024-05-21 UBS Doug Harter Initiated $32 — +0.2% $31.43
2024-04-05 RBC Capital Scott Heleniak Initiated $32 — +2.8% $31.13
2023-01-06 Barclays — Initiated $21 — +10.9% $18.93
2022-07-08 BTIG — Initiated $26 — +28.9% $20.17

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

A-
May 22, 2026
DCF
3
ROE
4
ROA
5
D/E
3
P/E
3
P/B
3
The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. RDN receives an overall rating of A-. Strongest factors: ROE (4/5), ROA (5/5).
Rating Change History
DateFromTo
2026-05-08 C A-
2026-05-07 A- C
2026-04-22 A A-
2026-04-21 A- A
2026-04-16 A A-
2026-04-01 A- A
2026-02-21 B+ A-
2026-02-20 C- B+
2026-02-19 A- C-
2026-01-22 A A-

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 55 Grade B
Profitability
76
Balance Sheet
82
Earnings Quality
68
Growth
43
Value
87
Momentum
51
Safety
100
Cash Flow
57
The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. RDN scores highest in Safety (100/100) and lowest in Growth (43/100). A grade of B indicates above-average fundamentals with room for improvement in select areas.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman-I Score
17.70
Safe Zone
Piotroski F-Score
4/9
✓ ✓ ✗ ✗ ✗ ✗ ✓ ✗ ✓
Beneish M-Score
-0.87
Possible Manipulator
Ohlson O-Score
-7.75
Bankruptcy prob: 0.0%
Low Risk
Credit Rating
A-
Score: 69.8/100
Trend: Deteriorating
Earnings Quality
50/100
OCF/NI: 0.60x
Accruals: 2.7%
The Altman-I Score is adapted for insurance companies, emphasizing return on equity, tangible net worth, and cash reserves alongside the standard equity and earnings components. RDN scores 17.70, placing it in the Safe Zone (safe > 3.0, distress < 1.5). Bankruptcy is statistically unlikely within the next two years. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. RDN scores 4/9, indicating moderate financial health — some areas of strength offset by weaknesses in others. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. RDN's score of -0.87 exceeds the −1.78 red flag threshold — this does not confirm manipulation but indicates the earnings profile resembles past manipulators statistically. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. RDN's implied 0.0% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. RDN receives an estimated rating of A- (score: 69.8/100), with a deteriorating trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). RDN's score of 50/100 is moderate — some divergence between reported earnings and underlying cash flows.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E
8.85x
PEG
2.20x
P/S
3.46x
P/B
1.03x
P/FCF
13.74x
P/OCF
13.59x
EV/EBITDA
-0.23x
EV/Revenue
-0.14x
EV/EBIT
-0.24x
EV/FCF
-0.57x
Earnings Yield
12.28%
FCF Yield
7.28%
Shareholder Yield
9.09%
Graham Number
$56.17
Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 8.9x earnings, RDN trades at a deep value multiple. An earnings yield of 12.3% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $56.17 per share, suggesting a potential 55% margin of safety at the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden
0.751
NI / EBT
×
Interest Burden
0.922
EBT / EBIT
×
EBIT Margin
0.582
EBIT / Rev
×
Asset Turnover
0.166
Rev / Assets
×
Equity Multiplier
1.785
Assets / Equity
=
ROE
12.0%
The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. RDN's ROE of 12.0% is driven by a balanced combination of operating margin, asset efficiency, and leverage.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Adj. Growth Rate
0.54%
Fair P/E
9.58x
Intrinsic Value
$38.89
Price/Value
0.85x
Margin of Safety
14.95%
Premium
-14.95%
Assessment
Undervalued
Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with RDN's realized 0.5% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $38.89, RDN appears undervalued with a 15% margin of safety. The adjusted fair P/E of 9.6x compares to the current market P/E of 8.9x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price
$36.33
Median 1Y
$37.26
5th Pctile
$18.88
95th Pctile
$73.49
Ann. Volatility
40.4%
Analyst Target
$43.00
25th–75th percentile 5th–95th percentile Median path Historical Analyst target

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

ExecutiveSalaryStockTotal
Sanford A. Ibrahim
Chief Executive Officer (Principal Executive Officer)
 $950,000 $2,128,068 $6,065,537
Teresa Bryce Bazemore
President, Radian Guaranty
 $550,000 $675,645 $2,447,413
Derek V. Brummer
Executive V.P., Chief Risk Officer
 $415,000 $388,566 $2,405,274
Joseph D’Urso
 $500,000 $506,734 $1,904,515
J. Franklin. Hall
 $400,000 $337,822 $1,119,578

CEO Pay Ratio

35:1
CEO-to-Employee Pay Ratio
CEO Total Comp: $6,065,537
Avg Employee Cost (SGA/emp): $173,680
Employees: 900

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees
900
-10.0% YoY
Revenue / Employee
$1,385,830
Rev: $1,247,247,000
Profit / Employee
$647,552
NI: $582,797,000
SGA / Employee
$173,680
Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability
Metric Trend Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Current
ROE 13.5% 13.3% 14.1% 15.4% 16.4% 18.1% 18.2% 17.6% 16.2% 15.2% 14.5% 14.4% 14.5% 14.4% 13.4% 13.2% 13.0% 12.8% 12.4% 12.0% 11.96%
ROA 7.6% 7.5% 7.6% 8.3% 8.9% 9.8% 10.0% 9.7% 8.9% 8.4% 8.2% 8.2% 8.2% 8.2% 7.4% 7.3% 7.2% 7.1% 6.9% 6.7% 6.70%
ROIC -1.0% -98.7% -1.5% -1.6% -1.8% -1.9% 58.6% 56.8% 52.4% 49.2% 5.4% 5.3% 5.4% 5.5% 46.4% 45.9% 45.1% 44.1% 62.6% 61.0% 60.98%
ROCE 10.4% 10.4% 11.3% 12.3% 13.2% 14.4% 16.4% 15.9% 14.7% 13.9% 13.3% 13.3% 13.5% 13.7% 10.4% 10.3% 10.1% 9.9% 11.7% 11.5% 11.49%
Gross Margin 90.2% 82.9% 1.0% 1.2% 1.3% 1.2% 1.1% 1.0% 1.0% 97.5% 94.1% 97.2% 95.5% 92.9% 94.8% 90.5% 91.3% 91.9% 95.7% 76.9% 76.86%
Operating Margin 58.1% 49.6% 72.9% 79.9% 90.6% 86.2% 64.6% 65.8% 63.1% 64.3% 55.2% 62.2% 58.6% 67.0% 59.7% 59.3% 55.1% 63.9% 66.8% 37.2% 37.24%
Net Margin 46.1% 38.8% 57.2% 61.8% 70.1% 66.9% 51.6% 50.9% 50.4% 50.1% 43.8% 47.7% 47.3% 47.5% 46.8% 45.5% 44.6% 45.5% 51.5% 26.6% 26.61%
EBITDA Margin 64.6% 56.3% 79.4% 87.3% 98.2% 93.7% 72.0% 73.2% 71.1% 76.5% 61.9% 74.4% 73.2% 77.7% 74.9% 70.9% 71.6% 70.3% 66.8% 41.7% 41.66%
FCF Margin 43.8% 40.6% 41.0% 39.1% 35.6% 34.6% 31.1% 30.6% 31.4% 28.6% 41.5% 36.1% 13.7% -10.3% -52.1% -50.8% -90.8% -44.4% 9.3% 23.9% 23.88%
OCF Margin 44.6% 41.4% 41.9% 40.3% 36.8% 35.9% 32.6% 32.2% 33.1% 30.2% 42.8% 37.2% 14.4% -10.0% -52.0% -50.7% -90.6% -44.1% 9.6% 24.1% 24.15%
ROE 3Y Avg snapshot only 12.75%
ROE 5Y Avg snapshot only 14.40%
ROA 3Y Avg snapshot only 7.23%
ROIC 3Y Avg snapshot only 22.49%
ROIC Economic snapshot only 9.91%
Cash ROA snapshot only 4.15%
Cash ROIC snapshot only 35.25%
CROIC snapshot only 34.86%
NOPAT Margin snapshot only 41.77%
Pretax Margin snapshot only 53.61%
R&D / Revenue snapshot only 0.00%
SGA / Revenue snapshot only 11.20%
SBC / Revenue snapshot only 0.00%
Valuation
Metric Trend Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Current
P/E Ratio 6.64 6.69 5.58 5.35 4.38 3.69 3.75 4.55 5.66 6.03 7.01 8.30 7.62 8.55 7.74 8.01 8.38 8.61 8.52 8.15 8.851
P/S Ratio 2.66 2.73 2.52 2.71 2.47 2.35 2.34 2.71 3.11 3.06 3.42 3.98 3.60 3.98 3.66 3.75 3.86 3.93 3.98 3.28 3.461
P/B Ratio 0.87 0.87 0.79 0.82 0.72 0.67 0.71 0.84 0.96 0.96 0.96 1.13 1.05 1.16 1.01 1.03 1.06 1.07 1.04 0.96 1.035
P/FCF 6.06 6.73 6.15 6.94 6.94 6.80 7.52 8.85 9.89 10.71 8.24 11.01 26.26 -38.65 -7.03 -7.38 -4.26 -8.85 42.94 13.74 13.743
P/OCF 5.95 6.60 6.01 6.74 6.71 6.55 7.18 8.43 9.39 10.13 7.99 10.70 25.00 — — — — — 41.44 13.59 13.591
EV/EBITDA -1.40 -1.44 -1.53 -1.24 -1.60 -1.66 -1.08 -0.63 -0.15 -0.17 -0.06 0.76 0.34 0.90 1.45 1.57 1.73 1.84 0.22 -0.23 -0.227
EV/Revenue -0.78 -0.83 -0.98 -0.89 -1.27 -1.48 -0.94 -0.52 -0.12 -0.12 -0.05 0.54 0.25 0.65 1.09 1.17 1.28 1.32 0.16 -0.14 -0.137
EV/EBIT -1.41 -1.45 -1.54 -1.24 -1.61 -1.67 -1.08 -0.63 -0.15 -0.17 -0.07 0.79 0.36 0.95 1.57 1.70 1.89 1.99 0.23 -0.24 -0.235
EV/FCF -1.78 -2.05 -2.40 -2.27 -3.58 -4.29 -3.02 -1.71 -0.38 -0.43 -0.11 1.50 1.79 -6.30 -2.09 -2.30 -1.41 -2.98 1.68 -0.57 -0.573
Earnings Yield 15.1% 14.9% 17.9% 18.7% 22.8% 27.1% 26.7% 22.0% 17.7% 16.6% 14.3% 12.0% 13.1% 11.7% 12.9% 12.5% 11.9% 11.6% 11.7% 12.3% 12.28%
FCF Yield 16.5% 14.9% 16.2% 14.4% 14.4% 14.7% 13.3% 11.3% 10.1% 9.3% 12.1% 9.1% 3.8% -2.6% -14.2% -13.6% -23.5% -11.3% 2.3% 7.3% 7.28%
PEG Ratio snapshot only 2.196
Price/Tangible Book snapshot only 0.962
EV/OCF snapshot only -0.566
EV/Gross Profit snapshot only -0.156
Acquirers Multiple snapshot only -0.255
Shareholder Yield snapshot only 9.09%
Graham Number snapshot only $56.17
Leverage & Solvency
Metric Trend Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Current
Current Ratio 17.45 17.45 19.79 19.79 19.79 19.79 8.63 8.63 8.63 8.63 5.78 5.78 5.78 5.78 42.96 42.96 42.96 42.96 0.14 0.14 0.137
Quick Ratio 17.45 17.45 19.79 19.79 19.79 19.79 8.63 8.63 8.63 8.63 5.78 5.78 5.78 5.78 42.96 42.96 42.96 42.96 0.14 0.14 0.137
Debt/Equity 0.37 0.37 0.37 0.37 0.37 0.37 0.40 0.40 0.40 0.40 0.36 0.36 0.36 0.36 0.51 0.51 0.51 0.51 0.24 0.24 0.237
Net Debt/Equity -1.13 -1.13 -1.09 -1.09 -1.09 -1.09 -1.00 -1.00 -1.00 -1.00 -0.97 -0.97 -0.97 -0.97 -0.71 -0.71 -0.71 -0.71 -1.00 -1.00 -0.998
Debt/Assets 0.20 0.20 0.20 0.20 0.20 0.20 0.22 0.22 0.22 0.22 0.21 0.21 0.21 0.21 0.27 0.27 0.27 0.27 0.14 0.14 0.139
Debt/EBITDA 2.01 2.01 1.83 1.69 1.58 1.44 1.51 1.55 1.68 1.75 1.81 1.79 1.73 1.71 2.45 2.48 2.50 2.58 1.30 1.34 1.345
Net Debt/EBITDA -6.16 -6.16 -5.46 -5.04 -4.71 -4.30 -3.75 -3.86 -4.17 -4.35 -4.91 -4.85 -4.69 -4.64 -3.43 -3.48 -3.51 -3.62 -5.47 -5.67 -5.672
Interest Coverage 9.26 9.27 10.07 10.96 11.76 12.86 12.28 11.85 10.83 9.98 9.81 9.43 9.02 9.28 9.21 9.30 9.27 9.53 12.64 12.76 12.757
Equity Multiplier 1.86 1.86 1.84 1.84 1.84 1.84 1.80 1.80 1.80 1.80 1.73 1.73 1.73 1.73 1.87 1.87 1.87 1.87 1.70 1.70 1.699
Cash Ratio snapshot only 5.588
Debt Service Coverage snapshot only 13.218
Cash to Debt snapshot only 5.218
FCF to Debt snapshot only 0.295
Defensive Interval snapshot only 4644.9 days
Efficiency & Turnover
Metric Trend Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Current
Asset Turnover 0.19 0.18 0.17 0.16 0.16 0.15 0.16 0.16 0.16 0.16 0.17 0.17 0.17 0.18 0.16 0.16 0.16 0.16 0.15 0.17 0.166
Inventory Turnover — — — — — — — — — — — — — — — — — — — — —
Receivables Turnover 9.24 8.92 6.88 6.69 6.44 6.29 7.06 7.16 7.17 7.27 8.39 8.45 8.67 8.71 8.13 8.11 8.09 8.04 8.76 9.81 9.805
Payables Turnover — — — — — — — — — — — — — — — — — — — — —
DSO 39 41 53 55 57 58 52 51 51 50 44 43 42 42 45 45 45 45 42 37 37.2 days
DIO 0 0 0 0 — — — — — — 0 0 0 0 0 0 0 0 0 0 0.0 days
DPO 0 0 0 0 — — — — — — 0 0 0 0 0 0 0 0 0 0 —
Cash Conversion Cycle 39 41 53 55 — — — — — — 44 43 42 42 45 45 45 45 42 37 —
Fixed Asset Turnover snapshot only 81.322
Cash Velocity snapshot only 0.236
Capital Intensity snapshot only 5.819
Growth (YoY)
Metric Trend Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Current
Revenue -3.5% -6.6% -7.6% -10.1% -11.8% -10.8% -10.4% -6.6% -2.7% 1.0% 4.0% 3.3% 5.7% 4.9% 3.1% 2.2% -0.6% -1.8% -2.3% 9.5% 9.47%
Net Income 26.7% 36.5% 52.6% 73.2% 24.5% 39.4% 23.7% 9.7% -5.4% -19.5% -18.8% -16.9% -9.2% -3.8% 0.2% -0.2% -2.8% -3.8% -3.6% -5.8% -5.75%
EPS 25.8% 40.9% 64.0% 88.8% 38.2% 59.1% 39.3% 21.7% 3.3% -17.2% -17.0% -14.1% -5.4% 0.6% 3.7% 5.4% 8.4% 6.8% 6.1% 0.5% 0.54%
FCF -3.3% -17.0% -15.1% -21.1% -28.3% -23.9% -31.9% -26.9% -14.1% -16.5% 38.5% 21.8% -54.0% -1.4% -2.3% -2.4% -7.6% -3.2% 1.2% 1.5% 1.51%
EBITDA 23.5% 34.1% 53.4% 70.0% 25.8% 37.7% 22.2% 9.4% -5.3% -17.1% -16.1% -12.7% -2.5% 2.8% 9.8% 7.0% 2.8% -1.6% -9.0% -11.1% -11.09%
Op. Income 23.9% 37.9% 59.5% 82.4% 29.4% 42.8% 24.6% 10.1% -6.3% -20.6% -19.4% -17.4% -9.2% -1.3% 3.0% 2.3% -0.1% -3.8% -3.4% -4.1% -4.05%
OCF Growth snapshot only 1.52%
Asset Growth snapshot only -6.25%
Equity Growth snapshot only 3.41%
Debt Growth snapshot only -51.75%
Shares Change snapshot only -6.26%
Dividend Growth snapshot only -5.31%
Growth (CAGR)
Metric Trend Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Current
Revenue 3Y 4.4% 2.6% 1.5% -1.3% -4.3% -6.2% -8.0% -6.8% -6.1% -5.6% -4.9% -4.6% -3.2% -1.9% -1.3% -0.5% 0.7% 1.3% 1.6% 4.9% 4.95%
Revenue 5Y 3.0% 1.9% 1.4% 1.3% 0.9% 0.6% -0.5% -0.3% -0.5% -0.5% -0.6% -1.5% -2.1% -2.6% -3.5% -3.1% -2.7% -2.8% -2.8% -0.6% -0.60%
EPS 3Y 16.9% 10.8% 6.0% 6.5% 11.3% 14.6% 13.1% 11.9% 21.5% 22.9% 23.8% 25.5% 10.5% 9.8% 6.3% 3.3% 1.9% -3.8% -2.9% -3.1% -3.08%
EPS 5Y 16.2% 15.7% 19.3% 20.6% 34.9% 42.5% 53.1% 43.9% 17.9% 12.4% 6.6% 4.8% 6.1% 4.6% 4.5% 4.9% 13.0% 14.8% 15.9% 15.9% 15.91%
Net Income 3Y 12.6% 5.5% -0.3% -0.3% 4.2% 5.9% 3.4% 3.9% 14.3% 15.3% 15.3% 16.4% 2.3% 2.6% 0.2% -3.1% -5.8% -9.4% -7.8% -7.9% -7.89%
Net Income 5Y 12.8% 11.5% 14.3% 15.6% 29.5% 34.6% 43.7% 35.2% 10.9% 5.7% -0.1% -2.0% -0.5% -1.7% -2.1% -1.4% 5.7% 7.2% 8.2% 8.2% 8.22%
EBITDA 3Y 5.9% 1.8% 4.0% 3.6% 4.8% 6.8% 3.9% 4.5% 13.7% 15.2% 16.3% 17.6% 5.1% 5.5% 4.0% 0.8% -1.7% -5.7% -5.7% -6.0% -5.99%
EBITDA 5Y 5.4% 5.1% 8.1% 9.6% 19.7% 23.8% 19.0% 16.9% 7.2% 3.8% 2.9% 1.2% 1.2% 0.7% 0.7% 1.3% 8.1% 9.1% 9.4% 9.1% 9.09%
Gross Profit 3Y 3.3% 2.7% 4.0% 3.8% 4.3% 5.7% 4.1% 4.6% 11.9% 12.7% 13.3% 13.8% 4.0% 3.2% 1.1% -2.0% -4.2% -6.8% -6.8% -4.1% -4.14%
Gross Profit 5Y 4.3% 4.1% 5.7% 8.1% 9.1% 10.3% 8.2% 7.3% 5.8% 4.0% 3.1% 1.4% 0.9% 0.1% -0.8% -0.3% 4.7% 5.9% 6.6% 8.1% 8.14%
Op. Income 3Y 5.7% 1.2% 3.8% 3.4% 4.7% 6.7% 3.9% 4.3% 14.6% 16.1% 17.0% 18.4% 3.3% 3.8% 1.1% -2.4% -5.3% -9.0% -7.1% -6.7% -6.74%
Op. Income 5Y 7.8% 7.3% 9.6% 11.1% 24.3% 28.9% 22.4% 19.8% 7.4% 3.3% 2.3% 0.1% -0.5% -1.0% -1.4% -0.9% 6.4% 8.2% 9.7% 10.3% 10.25%
FCF 3Y 13.1% -3.3% -5.8% -12.3% -13.6% -14.3% -17.8% -15.2% -15.9% -19.2% -7.2% -11.1% -34.3% — — — — — -32.2% -3.4% -3.42%
FCF 5Y 25.1% 15.1% 9.7% 5.6% 2.0% 8.6% 2.2% 0.0% -2.3% -10.5% -4.7% -9.7% -23.9% — — — — — -29.0% -12.3% -12.27%
OCF 3Y 11.4% -3.9% -6.3% -12.5% -13.8% -14.3% -17.6% -15.0% -15.4% -18.6% -7.0% -10.9% -33.6% — — — — — -32.4% -4.6% -4.61%
OCF 5Y 22.0% 12.8% 8.1% 4.2% 1.1% 7.1% 1.5% -0.3% -2.5% -10.2% -4.8% -9.8% -23.8% — — — — — -28.9% -12.5% -12.46%
Assets 3Y 10.4% 10.4% 7.5% 7.5% 7.5% 7.5% 1.2% 1.2% 1.2% 1.2% -1.5% -1.5% -1.5% -1.5% 3.4% 3.4% 3.4% 3.4% 4.8% 4.8% 4.77%
Assets 5Y 7.1% 7.1% 6.0% 6.0% 6.0% 6.0% 3.7% 3.7% 3.7% 3.7% 3.8% 3.8% 3.8% 3.8% 4.9% 4.9% 4.9% 4.9% 0.4% 0.4% 0.43%
Equity 3Y 12.6% 12.6% 6.9% 6.9% 6.9% 6.9% -1.1% -1.1% -1.1% -1.1% 0.9% 0.9% 0.9% 0.9% 2.8% 2.8% 2.8% 2.8% 6.9% 6.9% 6.85%
Book Value 3Y 16.9% 18.3% 13.7% 14.2% 14.1% 15.6% 8.2% 6.6% 5.2% 5.5% 8.3% 8.7% 9.0% 8.0% 9.0% 9.6% 11.2% 9.0% 12.4% 12.4% 12.44%
Dividend 3Y 30.6% 17.1% 8.4% 13.2% 14.2% 16.9% 19.7% 14.0% 11.0% 10.3% 10.1% 10.9% 10.4% 8.9% 7.5% 7.6% 8.5% 5.5% 3.7% 3.3% 3.33%
Growth Quality
Metric Trend Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Current
Revenue Stability 0.73 0.46 0.26 0.21 0.08 0.01 0.02 0.02 0.06 0.11 0.16 0.45 0.63 0.66 0.65 0.62 0.46 0.41 0.39 0.03 0.035
Earnings Stability 0.58 0.41 0.34 0.34 0.71 0.59 0.43 0.37 0.56 0.26 0.03 0.01 0.18 0.07 0.04 0.05 0.22 0.14 0.15 0.08 0.082
Margin Stability 0.90 0.87 0.84 0.81 0.80 0.74 0.74 0.75 0.78 0.75 0.75 0.76 0.85 0.84 0.85 0.88 0.81 0.77 0.76 0.77 0.768
Rev. Growth Consistency 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.50 0.50 0.50 0.50 1.00 1.00 1.00 0.00 0.00 0.00 1.00 1.000
Earn. Growth Consistency 0.50 0.50 0.50 0.50 1.00 1.00 1.00 1.00 0.00 0.00 0.00 0.00 0.00 0.00 0.50 0.00 0.00 0.00 0.00 0.00 0.000
FCF Positive Streak 1 1 1 1 1 1 1 1 1 1 1 1 1 0 0 0 0 0 0 0 0
Earnings Persistence 0.89 0.85 0.50 0.50 0.90 0.84 0.91 0.96 0.98 0.92 0.92 0.93 0.96 0.98 1.00 1.00 0.99 0.98 0.99 0.98 0.977
Earnings Smoothness 0.76 0.69 0.58 0.46 0.78 0.67 0.79 0.91 0.94 0.78 0.79 0.82 0.90 0.96 1.00 1.00 0.97 0.96 0.96 0.94 0.941
ROE Trend -0.01 -0.01 0.01 0.03 0.04 0.07 0.07 0.06 0.02 0.00 -0.03 -0.03 -0.03 -0.03 -0.03 -0.03 -0.03 -0.02 -0.01 -0.01 -0.015
Gross Margin Trend 0.04 0.10 0.18 0.29 0.37 0.47 0.46 0.37 0.16 0.02 -0.06 -0.09 -0.12 -0.15 -0.14 -0.13 -0.10 -0.06 -0.04 -0.08 -0.080
FCF Margin Trend -0.02 -0.05 -0.03 -0.03 -0.08 -0.09 -0.12 -0.11 -0.08 -0.09 0.05 0.01 -0.20 -0.42 -0.88 -0.84 -1.13 -0.54 0.15 0.31 0.312
Sustainable Growth Rate 11.1% 10.9% 11.6% 12.7% 13.6% 15.1% 14.9% 14.3% 12.8% 11.7% 11.0% 10.8% 10.9% 10.8% 10.0% 9.9% 9.7% 9.5% 9.3% 8.9% 8.90%
Internal Growth Rate 6.7% 6.5% 6.7% 7.4% 7.9% 8.9% 8.9% 8.5% 7.6% 6.9% 6.7% 6.5% 6.6% 6.5% 5.9% 5.8% 5.7% 5.6% 5.5% 5.3% 5.25%
Cash Flow Quality
Metric Trend Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Current
OCF/Net Income 1.12 1.01 0.93 0.79 0.65 0.56 0.52 0.54 0.60 0.60 0.88 0.78 0.30 -0.22 -1.10 -1.08 -1.97 -0.97 0.21 0.60 0.599
FCF/OCF 0.98 0.98 0.98 0.97 0.97 0.96 0.95 0.95 0.95 0.95 0.97 0.97 0.95 1.03 1.00 1.00 1.00 1.01 0.96 0.99 0.989
FCF/Net Income snapshot only 0.593
OCF/EBITDA snapshot only 0.401
CapEx/Revenue 0.8% 0.8% 0.9% 1.1% 1.2% 1.3% 1.5% 1.5% 1.7% 1.6% 1.3% 1.0% 0.7% 0.3% 0.1% 0.1% 0.1% 0.3% 0.3% 0.3% 0.27%
CapEx/Depreciation snapshot only 0.128
Accruals Ratio -0.01 -0.00 0.01 0.02 0.03 0.04 0.05 0.04 0.04 0.03 0.01 0.02 0.06 0.10 0.16 0.15 0.21 0.14 0.06 0.03 0.027
Sloan Accruals snapshot only -0.903
Cash Flow Adequacy snapshot only 2.287
Earnings Quality Score snapshot only 0.500
Dividends & Buybacks
Metric Trend Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Current
Dividend Yield 2.7% 2.8% 3.1% 3.3% 4.0% 4.5% 4.9% 4.1% 3.7% 3.8% 3.4% 3.0% 3.2% 2.9% 3.2% 3.2% 3.0% 3.0% 2.9% 3.1% 2.81%
Dividend/Share $0.51 $0.54 $0.57 $0.64 $0.70 $0.78 $0.84 $0.84 $0.87 $0.89 $0.93 $0.95 $0.96 $0.98 $1.00 $1.03 $1.08 $1.07 $1.06 $1.04 $1.02
Payout Ratio 17.8% 18.4% 17.2% 17.5% 17.5% 16.6% 18.2% 18.9% 21.0% 22.9% 24.2% 24.7% 24.7% 25.1% 25.1% 25.4% 25.5% 25.6% 25.0% 25.5% 25.54%
FCF Payout Ratio 16.2% 18.5% 19.0% 22.6% 27.7% 30.7% 36.5% 36.7% 36.6% 40.7% 28.4% 32.8% 84.9% — — — — — 1.3% 43.1% 43.09%
Total Payout Ratio 35.3% 63.7% 83.6% 79.9% 86.9% 85.7% 72.1% 73.9% 56.1% 36.3% 46.3% 52.9% 60.0% 60.5% 62.4% 89.8% 1.2% 1.1% 99.1% 74.1% 74.09%
Div. Increase Streak 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 0 0 0 0
Chowder Number 1.02 0.41 0.09 0.22 0.26 0.31 0.36 0.23 0.17 0.15 0.11 0.12 0.10 0.08 0.07 0.06 0.04 0.01 -0.01 -0.02 -0.022
Buyback Yield 2.6% 6.8% 11.9% 11.7% 15.9% 18.7% 14.4% 12.1% 6.2% 2.2% 3.2% 3.4% 4.6% 4.1% 4.8% 8.0% 11.3% 10.2% 8.7% 6.0% 5.96%
Net Buyback Yield 2.6% 6.7% 11.9% 11.6% 15.8% 18.7% 14.3% 12.0% 6.1% 2.2% 3.1% 3.4% 4.6% 4.1% 4.8% 8.0% 11.3% 10.2% 8.7% 5.9% 5.94%
Total Shareholder Return 5.3% 9.5% 15.0% 14.9% 19.8% 23.2% 19.2% 16.2% 9.8% 6.0% 6.6% 6.3% 7.8% 7.1% 8.0% 11.2% 14.4% 13.2% 11.6% 9.1% 9.07%
DuPont Factors
Metric Trend Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Current
Tax Burden (NI/EBT) 0.81 0.80 0.79 0.78 0.78 0.78 0.78 0.78 0.79 0.79 0.79 0.78 0.79 0.77 0.76 0.76 0.76 0.77 0.76 0.75 0.751
Interest Burden (EBT/EBIT) 0.89 0.89 0.90 0.91 0.91 0.92 0.92 0.92 0.91 0.90 0.90 0.89 0.89 0.89 0.89 0.89 0.89 0.90 0.92 0.92 0.922
EBIT Margin 0.55 0.57 0.64 0.71 0.79 0.89 0.87 0.83 0.77 0.72 0.69 0.68 0.67 0.68 0.69 0.69 0.68 0.66 0.66 0.58 0.582
Asset Turnover 0.19 0.18 0.17 0.16 0.16 0.15 0.16 0.16 0.16 0.16 0.17 0.17 0.17 0.18 0.16 0.16 0.16 0.16 0.15 0.17 0.166
Equity Multiplier 1.77 1.77 1.85 1.85 1.85 1.85 1.82 1.82 1.82 1.82 1.76 1.76 1.76 1.76 1.80 1.80 1.80 1.80 1.78 1.78 1.785
Per Share
Metric Trend Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Current
EPS (Diluted TTM) $2.90 $2.95 $3.32 $3.66 $4.00 $4.70 $4.62 $4.46 $4.13 $3.89 $3.84 $3.83 $3.91 $3.91 $3.98 $4.04 $4.24 $4.18 $4.22 $4.06 $4.06
Book Value/Share $22.01 $22.78 $23.51 $23.78 $24.28 $25.85 $24.37 $24.29 $24.38 $24.47 $27.97 $28.20 $28.48 $28.73 $30.44 $31.30 $33.42 $33.52 $34.65 $34.53 $35.10
Tangible Book/Share $21.89 $22.66 $23.40 $23.67 $24.17 $25.73 $24.28 $24.20 $24.29 $24.38 $27.97 $28.20 $28.48 $28.73 $30.19 $31.04 $33.14 $33.25 $34.51 $34.39 $34.39
Revenue/Share $7.25 $7.24 $7.34 $7.22 $7.09 $7.37 $7.40 $7.48 $7.53 $7.66 $7.87 $8.00 $8.28 $8.40 $8.41 $8.63 $9.19 $9.16 $9.04 $10.08 $10.19
FCF/Share $3.17 $2.94 $3.01 $2.83 $2.53 $2.55 $2.30 $2.29 $2.37 $2.19 $3.26 $2.89 $1.13 $-0.87 $-4.38 $-4.39 $-8.34 $-4.06 $0.84 $2.41 $2.43
OCF/Share $3.23 $2.99 $3.08 $2.91 $2.61 $2.65 $2.41 $2.41 $2.49 $2.31 $3.37 $2.97 $1.19 $-0.84 $-4.37 $-4.38 $-8.33 $-4.04 $0.87 $2.43 $2.46
Cash/Share $33.03 $34.19 $34.34 $34.73 $35.46 $37.76 $34.05 $33.94 $34.07 $34.19 $37.32 $37.62 $38.00 $38.33 $37.10 $38.15 $40.73 $40.86 $42.78 $42.63 $0.64
EBITDA/Share $4.04 $4.18 $4.71 $5.17 $5.64 $6.58 $6.48 $6.28 $5.83 $5.61 $5.56 $5.67 $5.92 $6.03 $6.31 $6.41 $6.79 $6.59 $6.32 $6.08 $6.08
Debt/Share $8.13 $8.41 $8.62 $8.71 $8.90 $9.47 $9.76 $9.73 $9.76 $9.80 $10.06 $10.14 $10.25 $10.33 $15.43 $15.87 $16.95 $17.00 $8.20 $8.17 $8.17
Net Debt/Share $-24.90 $-25.78 $-25.72 $-26.02 $-26.56 $-28.28 $-24.29 $-24.21 $-24.30 $-24.39 $-27.26 $-27.48 $-27.76 $-28.00 $-21.66 $-22.28 $-23.78 $-23.86 $-34.58 $-34.46 $-34.46
Academic Models
Metric Trend Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Current
Altman-I Score — — — — — — — — — — — — — — — — — — — — 17.696
Altman Z-Prime snapshot only 3.435
Piotroski F-Score 7 8 6 6 6 6 5 4 4 4 5 4 5 4 5 4 4 4 5 4 4
Beneish M-Score -2.25 -1.79 -2.57 -2.56 -2.46 -2.44 -2.58 -2.46 -2.46 -2.46 -2.31 -2.33 -2.13 -1.95 -1.08 -1.06 -0.80 -1.15 -1.04 -0.87 -0.866
Ohlson O-Score snapshot only -7.748
Net-Net WC snapshot only $-23.08
EVA snapshot only $582107800.00
Credit
Metric Trend Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Current
Credit Rating snapshot only A-
Credit Score 81.42 81.20 85.54 85.68 84.41 84.84 85.17 86.28 86.71 85.45 84.41 82.47 78.93 75.63 74.25 73.50 72.39 74.44 67.02 69.77 69.771
Credit Grade snapshot only 7
Credit Trend snapshot only -3.731
Implied Spread (bps) snapshot only 175.000
Industry Credit Rank snapshot only 38
Sector Credit Rank snapshot only 69

Sign in to InsiderStreet

You'll also get our free weekly newsletter with
smart money signals, market insights, and alpha ideas.
Unsubscribe anytime.

For informational purposes only. Not investment advice. Data sourced from SEC filings. Privacy Terms