REGIONS FINANCIAL CORP (RN7.DE) Stock Fundamental Analysis
Europe • Frankfurt Stock Exchange • FRA:RN7 • US7591EP1005
24.6 EUR
+0.2 (+0.82%)
Last: Jan 22, 2026, 07:00 PM
We assign a fundamental rating of 4 out of 10 to RN7. RN7 was compared to 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 has a correct valuation and a medium growth rate.
1. Profitability
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.
- Of the past 5 years RN7 4 years had a positive operating cash flow.
1.2 Ratios
- With an excellent Return On Assets value of 1.28%, RN7 belongs to the best of the industry, outperforming 85.09% 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)1.24%
ROA(5y)1.31%
ROE(3y)10.69%
ROE(5y)11.73%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- RN7's Profit Margin of 27.70% is fine compared to the rest of the industry. RN7 outperforms 74.56% of its industry peers.
- In the last couple of years the Profit Margin of RN7 has grown nicely.
- The Operating Margin and Gross Margin are not available for RN7 so they could not be analyzed.
| 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-2.72%
PM growth 5Y11.68%
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.
- Compared to 1 year ago, RN7 has less shares outstanding
- 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
- The Debt to FCF ratio of RN7 is 1.66, which is an excellent value as it means it would take RN7, only 1.66 years of fcf income to pay off 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 98.25% of the companies in the same industry.
- RN7 has a Debt/Equity ratio of 0.24. This is a healthy value indicating a solid balance between debt and equity.
- With an excellent Debt to Equity ratio value of 0.24, RN7 belongs to the best of the industry, outperforming 87.72% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.24 | ||
| Debt/FCF | 1.66 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.22%
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 13.93% over the past year.
- Measured over the past years, RN7 shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.26% on average per year.
- Looking at the last year, RN7 shows a small growth in Revenue. The Revenue has grown by 6.25% in the last year.
- 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
- Based on estimates for the next years, RN7 will show a small growth in Earnings Per Share. The EPS will grow by 2.78% on average per year.
- The Revenue is expected to grow by 3.77% on average over the next years.
EPS Next Y17.05%
EPS Next 2Y13.23%
EPS Next 3Y10.99%
EPS Next 5Y2.78%
Revenue Next Year4.11%
Revenue Next 2Y3.95%
Revenue Next 3Y3.77%
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
- The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 12.81, which indicates a correct valuation of RN7.
- RN7's Price/Earnings ratio is a bit more expensive when compared to the industry. RN7 is more expensive than 74.56% of the companies in the same industry.
- RN7 is valuated cheaply when we compare the Price/Earnings ratio to 28.32, which is the current average of the S&P500 Index.
- With a Price/Forward Earnings ratio of 10.94, the valuation of RN7 can be described as very reasonable.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of RN7 is on the same level as its industry peers.
- When comparing the Price/Forward Earnings ratio of RN7 to the average of the S&P500 Index (25.57), we can say RN7 is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.81 | ||
| Fwd PE | 10.94 |
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 | 13.02 | ||
| 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.
PEG (NY)0.75
PEG (5Y)0.7
EPS Next 2Y13.23%
EPS Next 3Y10.99%
5. Dividend
5.1 Amount
- RN7 has a Yearly Dividend Yield of 3.72%. Purely for dividend investing, there may be better candidates out there.
- RN7's Dividend Yield is comparable with the industry average which is at 4.01.
- Compared to an average S&P500 Dividend Yield of 1.83, RN7 pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.72% |
5.2 History
- On average, the dividend of RN7 grows each year by 10.41%, which is quite nice.
Dividend Growth(5Y)10.41%
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
- 48.76% of the earnings are spent on dividend by RN7. 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 2Y13.23%
EPS Next 3Y10.99%
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.
What is the valuation status of REGIONS FINANCIAL CORP (RN7.DE) stock?
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 3 / 10.
What are the PE and PB ratios of REGIONS FINANCIAL CORP (RN7.DE) stock?
The Price/Earnings (PE) ratio for REGIONS FINANCIAL CORP (RN7.DE) is 12.81 and the Price/Book (PB) ratio is 1.35.
Can you provide the expected EPS growth for RN7 stock?
The Earnings per Share (EPS) of REGIONS FINANCIAL CORP (RN7.DE) is expected to grow by 17.05% in the next year.