REGIONS FINANCIAL CORP (RN7.DE) Fundamental Analysis & Valuation

FRA:RN7 • US7591EP1005

Current stock price

22.2 EUR
-1.6 (-6.72%)
Last:

This RN7.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. RN7.DE Profitability Analysis

1.1 Basic Checks

  • RN7 had positive earnings in the past year.
  • In the past year RN7 had a positive cash flow from operations.
  • In the past 5 years RN7 has always been profitable.
  • In the past 5 years RN7 always reported a positive cash flow from operatings.
RN7.DE Yearly Net Income VS EBIT VS OCF VS FCFRN7.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

1.2 Ratios

  • RN7 has a better Return On Assets (1.29%) than 80.53% of its industry peers.
  • RN7 has a Return On Equity (10.82%) which is in line with its industry peers.
Industry RankSector Rank
ROA 1.29%
ROE 10.82%
ROIC N/A
ROA(3y)1.24%
ROA(5y)1.31%
ROE(3y)10.69%
ROE(5y)11.73%
ROIC(3y)N/A
ROIC(5y)N/A
RN7.DE Yearly ROA, ROE, ROICRN7.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • The Profit Margin of RN7 (27.39%) is better than 72.57% of its industry peers.
  • RN7's Profit Margin has improved in the last couple of years.
  • RN7 does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 27.39%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-2.72%
PM growth 5Y11.68%
GM growth 3YN/A
GM growth 5YN/A
RN7.DE Yearly Profit, Operating, Gross MarginsRN7.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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4

2. RN7.DE Health Analysis

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.
  • Compared to 5 years ago, RN7 has less shares outstanding
  • The debt/assets ratio for RN7 is higher compared to a year ago.
RN7.DE Yearly Shares OutstandingRN7.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B
RN7.DE Yearly Total Debt VS Total AssetsRN7.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50B 100B 150B

2.2 Solvency

  • The Debt to FCF ratio of RN7 is 2.45, which is a good value as it means it would take RN7, 2.45 years of fcf income to pay off all of its debts.
  • RN7 has a better Debt to FCF ratio (2.45) than 96.46% of its industry peers.
  • A Debt/Equity ratio of 0.26 indicates that RN7 is not too dependend on debt financing.
  • RN7 has a Debt to Equity ratio of 0.26. This is amongst the best in the industry. RN7 outperforms 85.84% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 2.45
Altman-Z N/A
ROIC/WACCN/A
WACC13.82%
RN7.DE Yearly LT Debt VS Equity VS FCFRN7.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
RN7.DE Yearly Current Assets VS Current LiabilitesRN7.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. RN7.DE Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 13.93% over the past year.
  • The Earnings Per Share has been growing by 18.26% on average over the past years. This is quite good.
  • RN7 shows a small growth in Revenue. In the last year, the Revenue has grown by 6.25%.
  • Measured over the past years, RN7 shows a small growth in Revenue. The Revenue has been growing by 3.66% on average per year.
EPS 1Y (TTM)13.93%
EPS 3Y-1%
EPS 5Y18.26%
EPS Q2Q%3.57%
Revenue 1Y (TTM)6.25%
Revenue growth 3Y1.42%
Revenue growth 5Y3.66%
Sales Q2Q%5.84%

3.2 Future

  • RN7 is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.01% yearly.
  • RN7 is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.83% yearly.
EPS Next Y16.97%
EPS Next 2Y13.27%
EPS Next 3Y11.96%
EPS Next 5Y7.01%
Revenue Next Year4.07%
Revenue Next 2Y3.9%
Revenue Next 3Y3.83%
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 decreasing.
  • The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
RN7.DE Yearly Revenue VS EstimatesRN7.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2B 4B 6B 8B
RN7.DE Yearly EPS VS EstimatesRN7.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 1 2 3

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5

4. RN7.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 11.21, the valuation of RN7 can be described as reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of RN7 indicates a slightly more expensive valuation: RN7 is more expensive than 61.95% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.89. RN7 is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 9.58, the valuation of RN7 can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of RN7 indicates a somewhat cheap valuation: RN7 is cheaper than 63.72% of the companies listed in the same industry.
  • RN7's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 38.50.
Industry RankSector Rank
PE 11.21
Fwd PE 9.58
RN7.DE Price Earnings VS Forward Price EarningsRN7.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, RN7 is valued a bit cheaper than the industry average as 64.60% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 11.1
EV/EBITDA N/A
RN7.DE Per share dataRN7.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

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.
PEG (NY)0.66
PEG (5Y)0.61
EPS Next 2Y13.27%
EPS Next 3Y11.96%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. RN7.DE Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 4.20%, RN7 is a good candidate for dividend investing.
  • RN7's Dividend Yield is comparable with the industry average which is at 4.47.
  • Compared to an average S&P500 Dividend Yield of 1.82, RN7 pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.2%

5.2 History

  • On average, the dividend of RN7 grows each year by 9.18%, which is quite nice.
Dividend Growth(5Y)9.18%
Div Incr YearsN/A
Div Non Decr YearsN/A
RN7.DE Yearly Dividends per shareRN7.DE Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2025 2026 0.2 0.4 0.6

5.3 Sustainability

  • RN7 pays out 48.67% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • The dividend of RN7 is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP48.67%
EPS Next 2Y13.27%
EPS Next 3Y11.96%
RN7.DE Yearly Income VS Free CF VS DividendRN7.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B 2.5B
RN7.DE Dividend Payout.RN7.DE Dividend Payout, showing the Payout Ratio.RN7.DE Dividend Payout.PayoutRetained Earnings

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RN7.DE Fundamentals: All Metrics, Ratios and Statistics

REGIONS FINANCIAL CORP

FRA:RN7 (3/13/2026, 7:00:00 PM)

22.2

-1.6 (-6.72%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-16
Earnings (Next)04-17
Inst Owners89.75%
Inst Owner ChangeN/A
Ins Owners0.21%
Ins Owner ChangeN/A
Market Cap19.17B
Revenue(TTM)7.53B
Net Income(TTM)2.06B
Analysts71.61
Price Target26.35 (18.69%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.2%
Yearly Dividend0.98
Dividend Growth(5Y)9.18%
DP48.67%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-4.51%
Min EPS beat(2)-8.17%
Max EPS beat(2)-0.86%
EPS beat(4)1
Avg EPS beat(4)-2.19%
Min EPS beat(4)-8.17%
Max EPS beat(4)2.35%
EPS beat(8)2
Avg EPS beat(8)-2.86%
EPS beat(12)3
Avg EPS beat(12)-4.14%
EPS beat(16)5
Avg EPS beat(16)-2.42%
Revenue beat(2)0
Avg Revenue beat(2)-3.4%
Min Revenue beat(2)-3.61%
Max Revenue beat(2)-3.18%
Revenue beat(4)0
Avg Revenue beat(4)-3.14%
Min Revenue beat(4)-5.31%
Max Revenue beat(4)-0.47%
Revenue beat(8)0
Avg Revenue beat(8)-3.6%
Revenue beat(12)0
Avg Revenue beat(12)-3.49%
Revenue beat(16)2
Avg Revenue beat(16)-2.8%
PT rev (1m)0%
PT rev (3m)1.78%
EPS NQ rev (1m)0.09%
EPS NQ rev (3m)-0.19%
EPS NY rev (1m)-0.02%
EPS NY rev (3m)0.68%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.04%
Revenue NY rev (3m)-0.01%
Valuation
Industry RankSector Rank
PE 11.21
Fwd PE 9.58
P/S 2.94
P/FCF 11.1
P/OCF 10.16
P/B 1.16
P/tB 1.82
EV/EBITDA N/A
EPS(TTM)1.98
EY8.92%
EPS(NY)2.32
Fwd EY10.44%
FCF(TTM)2
FCFY9.01%
OCF(TTM)2.19
OCFY9.85%
SpS7.54
BVpS19.09
TBVpS12.23
PEG (NY)0.66
PEG (5Y)0.61
Graham Number29.159 (31.35%)
Profitability
Industry RankSector Rank
ROA 1.29%
ROE 10.82%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.39%
GM N/A
FCFM 26.52%
ROA(3y)1.24%
ROA(5y)1.31%
ROE(3y)10.69%
ROE(5y)11.73%
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-2.72%
PM growth 5Y11.68%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 2.45
Debt/EBITDA N/A
Cap/Depr 220.24%
Cap/Sales 2.46%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 96.85%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC13.82%
ROIC/WACCN/A
Cap/Depr(3y)195.93%
Cap/Depr(5y)147.76%
Cap/Sales(3y)3.83%
Cap/Sales(5y)3.85%
Profit Quality(3y)89.44%
Profit Quality(5y)102.94%
High Growth Momentum
Growth
EPS 1Y (TTM)13.93%
EPS 3Y-1%
EPS 5Y18.26%
EPS Q2Q%3.57%
EPS Next Y16.97%
EPS Next 2Y13.27%
EPS Next 3Y11.96%
EPS Next 5Y7.01%
Revenue 1Y (TTM)6.25%
Revenue growth 3Y1.42%
Revenue growth 5Y3.66%
Sales Q2Q%5.84%
Revenue Next Year4.07%
Revenue Next 2Y3.9%
Revenue Next 3Y3.83%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year9.37%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y56.18%
FCF growth 3Y-9.85%
FCF growth 5Y-1.3%
OCF growth 1Y36.48%
OCF growth 3Y-11.08%
OCF growth 5Y-1.26%

REGIONS FINANCIAL CORP / RN7.DE Fundamental Analysis 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.


What is the valuation status for RN7 stock?

ChartMill assigns a valuation rating of 6 / 10 to REGIONS FINANCIAL CORP (RN7.DE). This can be considered as Fairly Valued.


How profitable is REGIONS FINANCIAL CORP (RN7.DE) stock?

REGIONS FINANCIAL CORP (RN7.DE) has a profitability rating of 4 / 10.


Can you provide the PE and PB ratios for RN7 stock?

The Price/Earnings (PE) ratio for REGIONS FINANCIAL CORP (RN7.DE) is 11.21 and the Price/Book (PB) ratio is 1.16.


How sustainable is the dividend of REGIONS FINANCIAL CORP (RN7.DE) stock?

The dividend rating of REGIONS FINANCIAL CORP (RN7.DE) is 6 / 10 and the dividend payout ratio is 48.67%.