SYNOVUS FINANCIAL CORP (SNV) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:SNV - US87161C5013 - Common Stock
50.18 USD
+0.66 (+1.33%)
50.34 USD
+0.16 (+0.32%)
Taking everything into account, SNV scores 4 out of 10 in our fundamental rating. SNV was compared to 387 industry peers in the Banks industry. SNV has a medium profitability rating, but doesn't score so well on its financial health evaluation. SNV has a decent growth rate and is not valued too expensively. SNV also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
SNV had positive earnings in the past year.
SNV had a positive operating cash flow in the past year.
Each year in the past 5 years SNV has been profitable.
In the past 5 years SNV always reported a positive cash flow from operatings.
1.2 Ratios
SNV has a better Return On Assets (1.25%) than 80.36% of its industry peers.
The Return On Equity of SNV (12.97%) is better than 86.56% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.25% | ||
| ROE | 12.97% | ||
| ROIC | N/A |
ROA(3y)0.93%
ROA(5y)0.94%
ROE(3y)11.5%
ROE(5y)10.96%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
SNV's Profit Margin of 31.96% is amongst the best of the industry. SNV outperforms 85.53% of its industry peers.
SNV's Profit Margin has declined in the last couple of years.
SNV 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) | 31.96% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-15.54%
PM growth 5Y-4.43%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
SNV does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for SNV has been reduced compared to 1 year ago.
SNV has less shares outstanding than it did 5 years ago.
SNV has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of SNV is 4.60, which is a neutral value as it means it would take SNV, 4.60 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 4.60, SNV is doing worse than 68.22% of the companies in the same industry.
SNV has a Debt/Equity ratio of 0.53. This is a neutral value indicating SNV is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.53, SNV is doing worse than 77.26% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.53 | ||
| Debt/FCF | 4.6 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC19.63%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
SNV shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 27.38%, which is quite impressive.
Measured over the past 5 years, SNV shows a small growth in Earnings Per Share. The EPS has been growing by 4.39% on average per year.
Looking at the last year, SNV shows a very strong growth in Revenue. The Revenue has grown by 24.42%.
The Revenue has been growing slightly by 0.38% on average over the past years.
EPS 1Y (TTM)27.38%
EPS 3Y-3.19%
EPS 5Y4.39%
EPS Q2Q%18.7%
Revenue 1Y (TTM)24.42%
Revenue growth 3Y0.1%
Revenue growth 5Y0.38%
Sales Q2Q%8.97%
3.2 Future
SNV is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.22% yearly.
The Revenue is expected to grow by 7.99% on average over the next years.
EPS Next Y25.28%
EPS Next 2Y11.94%
EPS Next 3Y10.22%
EPS Next 5YN/A
Revenue Next Year14.73%
Revenue Next 2Y9.65%
Revenue Next 3Y7.99%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
SNV is valuated reasonably with a Price/Earnings ratio of 9.14.
SNV's Price/Earnings ratio is rather cheap when compared to the industry. SNV is cheaper than 87.60% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.41, SNV is valued rather cheaply.
The Price/Forward Earnings ratio is 8.90, which indicates a very decent valuation of SNV.
Compared to the rest of the industry, the Price/Forward Earnings ratio of SNV indicates a somewhat cheap valuation: SNV is cheaper than 74.68% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of SNV to the average of the S&P500 Index (35.40), we can say SNV is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.14 | ||
| Fwd PE | 8.9 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, SNV is valued a bit cheaper than the industry average as 63.31% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.43 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
SNV's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.36
PEG (5Y)2.08
EPS Next 2Y11.94%
EPS Next 3Y10.22%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.23%, SNV has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.15, SNV pays a bit more dividend than its industry peers.
SNV's Dividend Yield is a higher than the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.23% |
5.2 History
The dividend of SNV has a limited annual growth rate of 5.11%.
SNV has been paying a dividend for at least 10 years, so it has a reliable track record.
SNV has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)5.11%
Div Incr Years0
Div Non Decr Years9
5.3 Sustainability
34.75% of the earnings are spent on dividend by SNV. This is a low number and sustainable payout ratio.
SNV's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP34.75%
EPS Next 2Y11.94%
EPS Next 3Y10.22%
50.18
+0.66 (+1.33%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners87.39%
Inst Owner Change-4.03%
Ins Owners0.48%
Ins Owner Change0.44%
Market Cap6.97B
Revenue(TTM)2.36B
Net Income(TTM)754.45M
Analysts74.74
Price Target57.87 (15.32%)
Short Float %2.44%
Short Ratio2.63
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.23% |
Yearly Dividend1.81
Dividend Growth(5Y)5.11%
DP34.75%
Div Incr Years0
Div Non Decr Years9
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)11.7%
Min EPS beat(2)6.34%
Max EPS beat(2)17.06%
EPS beat(4)4
Avg EPS beat(4)11.46%
Min EPS beat(4)6.34%
Max EPS beat(4)17.06%
EPS beat(8)7
Avg EPS beat(8)11.68%
EPS beat(12)8
Avg EPS beat(12)7.95%
EPS beat(16)12
Avg EPS beat(16)8.42%
Revenue beat(2)2
Avg Revenue beat(2)0.55%
Min Revenue beat(2)0.34%
Max Revenue beat(2)0.76%
Revenue beat(4)3
Avg Revenue beat(4)0.42%
Min Revenue beat(4)-0.87%
Max Revenue beat(4)1.45%
Revenue beat(8)3
Avg Revenue beat(8)-4.61%
Revenue beat(12)5
Avg Revenue beat(12)-3.14%
Revenue beat(16)7
Avg Revenue beat(16)-2.25%
PT rev (1m)-3.73%
PT rev (3m)-4.42%
EPS NQ rev (1m)1.06%
EPS NQ rev (3m)-0.12%
EPS NY rev (1m)0.38%
EPS NY rev (3m)1.74%
Revenue NQ rev (1m)0.08%
Revenue NQ rev (3m)1.13%
Revenue NY rev (1m)0.08%
Revenue NY rev (3m)0.25%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.14 | ||
| Fwd PE | 8.9 | ||
| P/S | 2.95 | ||
| P/FCF | 10.43 | ||
| P/OCF | 9.93 | ||
| P/B | 1.2 | ||
| P/tB | 1.31 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.49
EY10.94%
EPS(NY)5.64
Fwd EY11.24%
FCF(TTM)4.81
FCFY9.59%
OCF(TTM)5.05
OCFY10.07%
SpS17
BVpS41.92
TBVpS38.26
PEG (NY)0.36
PEG (5Y)2.08
Graham Number71.96
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.25% | ||
| ROE | 12.97% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 31.96% | ||
| GM | N/A | ||
| FCFM | 28.31% |
ROA(3y)0.93%
ROA(5y)0.94%
ROE(3y)11.5%
ROE(5y)10.96%
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-15.54%
PM growth 5Y-4.43%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.53 | ||
| Debt/FCF | 4.6 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 61.34% | ||
| Cap/Sales | 1.42% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 88.56% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC19.63%
ROIC/WACCN/A
Cap/Depr(3y)56.98%
Cap/Depr(5y)43.15%
Cap/Sales(3y)1.88%
Cap/Sales(5y)1.69%
Profit Quality(3y)193.51%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)27.38%
EPS 3Y-3.19%
EPS 5Y4.39%
EPS Q2Q%18.7%
EPS Next Y25.28%
EPS Next 2Y11.94%
EPS Next 3Y10.22%
EPS Next 5YN/A
Revenue 1Y (TTM)24.42%
Revenue growth 3Y0.1%
Revenue growth 5Y0.38%
Sales Q2Q%8.97%
Revenue Next Year14.73%
Revenue Next 2Y9.65%
Revenue Next 3Y7.99%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-57.39%
FCF growth 3Y-0.14%
FCF growth 5Y6.44%
OCF growth 1Y-56.06%
OCF growth 3Y1.12%
OCF growth 5Y5.74%
SYNOVUS FINANCIAL CORP / SNV FAQ
What is the ChartMill fundamental rating of SYNOVUS FINANCIAL CORP (SNV) stock?
ChartMill assigns a fundamental rating of 4 / 10 to SNV.
What is the valuation status for SNV stock?
ChartMill assigns a valuation rating of 6 / 10 to SYNOVUS FINANCIAL CORP (SNV). This can be considered as Fairly Valued.
What is the profitability of SNV stock?
SYNOVUS FINANCIAL CORP (SNV) has a profitability rating of 4 / 10.
How financially healthy is SYNOVUS FINANCIAL CORP?
The financial health rating of SYNOVUS FINANCIAL CORP (SNV) is 2 / 10.
Can you provide the dividend sustainability for SNV stock?
The dividend rating of SYNOVUS FINANCIAL CORP (SNV) is 7 / 10 and the dividend payout ratio is 34.75%.