Radian Group
Financial ratios & Valuation

Forward Multiples (2025 – 2026)

20252026
Price/Earnings ratio
9.578.59
Price/Sales ratio
4.634.35
Earnings per Share (EPS)
$3.64$4.06

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
3.219.3212.3536.645.787.8110.056.624.317.488.065.78
Price/Sales ratio
2.872.243.073.632.753.442.752.992.683.633.632.75
Price/Book Value ratio
1.421.071.321.471.001.290.920.930.811.021.021.00
Price/Cash Flow ratio
-22.65194.609.9712.305.177.566.017.148.248.5218.235.17
Price/Free Cash Flow ratio
-19.95-228.5710.9913.375.377.876.177.308.648.7918.015.37
Price/Earnings Growth ratio
-0.00-0.128.89-0.590.010.56-0.260.110.11-0.540.050.01
Dividend Yield
0.06%0.07%0.05%0.04%0.06%0.03%2.46%2.59%4.22%3.23%3.07%0.06%
Profitability Indicator Ratios
Gross Profit Margin
72.41%71.83%71.00%69.55%70.23%72.85%74.50%67.86%61.07%68.88%60.98%72.85%
Operating Profit Margin
9.44%36.61%38.76%28.14%58.57%55.37%33.07%57.25%40.78%70.93%64.21%58.57%
Pretax Profit Margin
37.95%36.69%39.05%28.38%53.74%55.60%33.32%57.50%80.01%61.86%58.49%53.74%
Net Profit Margin
89.45%24.04%24.89%9.91%47.60%44.02%27.36%45.16%62.39%48.61%45.97%45.97%
Effective Tax Rate
-209.35%35.69%36.27%65.07%11.42%20.81%17.89%21.46%22.02%21.41%21.40%11.42%
Return on Assets
13.98%5.07%5.25%2.05%9.59%9.87%4.95%7.66%10.51%7.94%7.11%9.87%
Return On Equity
44.18%11.49%10.73%4.03%17.37%16.60%9.18%14.10%18.95%13.71%13.29%16.60%
Return on Capital Employed
1.48%7.74%8.19%6.72%13.84%13.97%6.90%11.23%7.50%12.39%10.35%13.97%
Liquidity Ratios
Current Ratio
0.030.050.060.260.350.35N/AN/AN/AN/A1.650.35
Quick Ratio
9.7322.21157.721.021.121.431.211.302.563.801.651.12
Cash ratio
1.145.657.610.100.100.120.080.140.090.031.250.10
Days of Sales Outstanding
29.1918.8822.8721.6739.4422.3849.3452.6744.5944.0638.7922.38
Days of Inventory outstanding
N/AN/A-965.15-151.693.60K-794.32-989.09-892.193.41KN/AN/AN/A
Operating Cycle
29.1918.88-942.27-130.023.64K-771.94-939.74-839.523.46K44.0638.7938.79
Days of Payables Outstanding
32.898.996.96N/AN/AN/AN/AN/AN/A123.43N/AN/A
Cash Conversion Cycle
-3.709.88-949.23-130.023.64K-771.94-939.74-839.523.46K-79.3738.7938.79
Debt Ratios
Debt Ratio
0.170.210.180.170.140.150.190.190.220.200.040.15
Debt Equity Ratio
0.540.480.370.340.250.250.360.360.400.340.070.25
Long-term Debt to Capitalization
0.350.320.270.250.200.200.260.260.280.25N/A0.20
Total Debt to Capitalization
0.350.320.270.250.200.200.260.260.280.250.060.20
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A7.69N/A
Cash Flow to Debt Ratio
-0.110.010.350.350.750.670.410.350.240.340.760.75
Company Equity Multiplier
3.152.262.041.961.811.681.851.841.801.721.791.68
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
-0.120.010.300.290.530.450.450.410.320.420.200.45
Free Cash Flow / Operating Cash Flow Ratio
1.13-0.850.900.920.960.960.970.970.950.960.990.96
Cash Flow Coverage Ratio
-0.110.010.350.350.750.670.410.350.240.340.760.75
Short Term Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A0.76N/A
Dividend Payout Ratio
0.19%0.69%0.68%1.77%0.35%0.30%24.75%17.19%18.23%24.19%25.06%0.35%