REGIONS FINANCIAL CORP (RN7.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:RN7 - US7591EP1005 - Common Stock
23.6 EUR
0 (0%)
Overall RN7 gets a fundamental rating of 4 out of 10. We evaluated RN7 against 114 industry peers in the Banks industry. Both the profitability and the financial health of RN7 get a neutral evaluation. Nothing too spectacular is happening here. RN7 is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year RN7 was profitable.
In the past year RN7 had a positive cash flow from operations.
Each year in the past 5 years RN7 has been profitable.
RN7 had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.28%, RN7 belongs to the top of the industry, outperforming 84.21% of the companies in the same industry.
RN7 has a Return On Equity (10.79%) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.28% | ||
| ROE | 10.79% | ||
| ROIC | N/A |
ROA(3y)1.27%
ROA(5y)1.19%
ROE(3y)11.57%
ROE(5y)10.66%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
RN7 has a better Profit Margin (27.70%) than 71.93% of its industry peers.
In the last couple of years the Profit Margin of RN7 has remained more or less at the same level.
RN7 does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 27.7% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-12.42%
PM growth 5Y-0.33%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
RN7 does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for RN7 has been reduced compared to 1 year ago.
RN7 has less shares outstanding than it did 5 years ago.
The debt/assets ratio for RN7 is higher compared to a year ago.
2.2 Solvency
RN7 has a debt to FCF ratio of 1.66. This is a very positive value and a sign of high solvency as it would only need 1.66 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.66, RN7 belongs to the top of the industry, outperforming 95.61% of the companies in the same industry.
A Debt/Equity ratio of 0.24 indicates that RN7 is not too dependend on debt financing.
RN7's Debt to Equity ratio of 0.24 is amongst the best of the industry. RN7 outperforms 87.72% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.24 | ||
| Debt/FCF | 1.66 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.33%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 17.01% over the past year.
The Earnings Per Share has been growing slightly by 5.75% on average over the past years.
The Revenue has been growing slightly by 4.82% in the past year.
RN7 shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.71% yearly.
EPS 1Y (TTM)17.01%
EPS 3Y-6.76%
EPS 5Y5.75%
EPS Q2Q%7.02%
Revenue 1Y (TTM)4.82%
Revenue growth 3Y3.23%
Revenue growth 5Y3.71%
Sales Q2Q%7.04%
3.2 Future
The Earnings Per Share is expected to grow by 4.99% on average over the next years.
The Revenue is expected to grow by 4.39% on average over the next years.
EPS Next Y19.19%
EPS Next 2Y15.05%
EPS Next 3Y12.77%
EPS Next 5Y4.99%
Revenue Next Year5.07%
Revenue Next 2Y4.57%
Revenue Next 3Y4.39%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
RN7 is valuated correctly with a Price/Earnings ratio of 12.23.
Based on the Price/Earnings ratio, RN7 is valued a bit more expensive than 60.53% of the companies in the same industry.
When comparing the Price/Earnings ratio of RN7 to the average of the S&P500 Index (26.50), we can say RN7 is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 10.45, the valuation of RN7 can be described as reasonable.
64.91% of the companies in the same industry are more expensive than RN7, based on the Price/Forward Earnings ratio.
RN7 is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.93, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.23 | ||
| Fwd PE | 10.45 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, RN7 is valued a bit cheaper than the industry average as 69.30% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.36 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
RN7's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as RN7's earnings are expected to grow with 12.77% in the coming years.
PEG (NY)0.64
PEG (5Y)2.13
EPS Next 2Y15.05%
EPS Next 3Y12.77%
5. Dividend
5.1 Amount
RN7 has a Yearly Dividend Yield of 3.86%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 4.12, RN7 has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 1.87, RN7 pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.86% |
5.2 History
The dividend of RN7 is nicely growing with an annual growth rate of 10.40%!
Dividend Growth(5Y)10.4%
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
RN7 pays out 48.76% of its income as dividend. This is a bit on the high side, but may be sustainable.
RN7's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP48.76%
EPS Next 2Y15.05%
EPS Next 3Y12.77%
FRA:RN7 (12/23/2025, 7:00:00 PM)
23.6
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners86.86%
Inst Owner ChangeN/A
Ins Owners0.24%
Ins Owner ChangeN/A
Market Cap20.69B
Revenue(TTM)7.42B
Net Income(TTM)2.06B
Analysts73.94
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.86% |
Yearly Dividend0.93
Dividend Growth(5Y)10.4%
DP48.76%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.75%
Min EPS beat(2)-0.86%
Max EPS beat(2)2.35%
EPS beat(4)1
Avg EPS beat(4)-0.55%
Min EPS beat(4)-2.08%
Max EPS beat(4)2.35%
EPS beat(8)3
Avg EPS beat(8)-1.5%
EPS beat(12)3
Avg EPS beat(12)-3.64%
EPS beat(16)5
Avg EPS beat(16)-2.8%
Revenue beat(2)0
Avg Revenue beat(2)-1.83%
Min Revenue beat(2)-3.18%
Max Revenue beat(2)-0.47%
Revenue beat(4)0
Avg Revenue beat(4)-3.5%
Min Revenue beat(4)-5.31%
Max Revenue beat(4)-0.47%
Revenue beat(8)0
Avg Revenue beat(8)-3.44%
Revenue beat(12)0
Avg Revenue beat(12)-3.2%
Revenue beat(16)2
Avg Revenue beat(16)-2.74%
PT rev (1m)50.67%
PT rev (3m)50.67%
EPS NQ rev (1m)1.81%
EPS NQ rev (3m)1.81%
EPS NY rev (1m)-1.6%
EPS NY rev (3m)-1.6%
Revenue NQ rev (1m)-0.5%
Revenue NQ rev (3m)-0.5%
Revenue NY rev (1m)-2.05%
Revenue NY rev (3m)-2.05%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.23 | ||
| Fwd PE | 10.45 | ||
| P/S | 3.29 | ||
| P/FCF | 12.36 | ||
| P/OCF | 10.7 | ||
| P/B | 1.28 | ||
| P/tB | 2 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.93
EY8.18%
EPS(NY)2.26
Fwd EY9.56%
FCF(TTM)1.91
FCFY8.09%
OCF(TTM)2.21
OCFY9.35%
SpS7.18
BVpS18.43
TBVpS11.8
PEG (NY)0.64
PEG (5Y)2.13
Graham Number28.29
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.28% | ||
| ROE | 10.79% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 27.7% | ||
| GM | N/A | ||
| FCFM | 26.6% |
ROA(3y)1.27%
ROA(5y)1.19%
ROE(3y)11.57%
ROE(5y)10.66%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-12.42%
PM growth 5Y-0.33%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.24 | ||
| Debt/FCF | 1.66 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 368.68% | ||
| Cap/Sales | 4.12% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 96.06% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC14.33%
ROIC/WACCN/A
Cap/Depr(3y)158.21%
Cap/Depr(5y)112.88%
Cap/Sales(3y)4.76%
Cap/Sales(5y)3.98%
Profit Quality(3y)99.47%
Profit Quality(5y)126.58%
High Growth Momentum
Growth
EPS 1Y (TTM)17.01%
EPS 3Y-6.76%
EPS 5Y5.75%
EPS Q2Q%7.02%
EPS Next Y19.19%
EPS Next 2Y15.05%
EPS Next 3Y12.77%
EPS Next 5Y4.99%
Revenue 1Y (TTM)4.82%
Revenue growth 3Y3.23%
Revenue growth 5Y3.71%
Sales Q2Q%7.04%
Revenue Next Year5.07%
Revenue Next 2Y4.57%
Revenue Next 3Y4.39%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year19.41%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-18.56%
FCF growth 3Y-23.61%
FCF growth 5Y-11.69%
OCF growth 1Y-16.45%
OCF growth 3Y-19.21%
OCF growth 5Y-9.14%
REGIONS FINANCIAL CORP / RN7.DE FAQ
What is the ChartMill fundamental rating of REGIONS FINANCIAL CORP (RN7.DE) stock?
ChartMill assigns a fundamental rating of 4 / 10 to RN7.DE.
Can you provide the valuation status for REGIONS FINANCIAL CORP?
ChartMill assigns a valuation rating of 5 / 10 to REGIONS FINANCIAL CORP (RN7.DE). This can be considered as Fairly Valued.
What is the profitability of RN7 stock?
REGIONS FINANCIAL CORP (RN7.DE) has a profitability rating of 4 / 10.
What is the valuation of REGIONS FINANCIAL CORP based on its PE and PB ratios?
The Price/Earnings (PE) ratio for REGIONS FINANCIAL CORP (RN7.DE) is 12.23 and the Price/Book (PB) ratio is 1.28.
What is the earnings growth outlook for REGIONS FINANCIAL CORP?
The Earnings per Share (EPS) of REGIONS FINANCIAL CORP (RN7.DE) is expected to grow by 19.19% in the next year.