SYNOVUS FINANCIAL CORP (SNV) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:SNV - US87161C5013 - Common Stock
51.98 USD
-0.74 (-1.4%)
51.98 USD
0 (0%)
Taking everything into account, SNV scores 5 out of 10 in our fundamental rating. SNV was compared to 388 industry peers in the Banks industry. SNV has a medium profitability rating, but doesn't score so well on its financial health evaluation. SNV is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one! 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.
Each year in the past 5 years SNV had a positive operating cash flow.
1.2 Ratios
SNV has a better Return On Assets (1.25%) than 79.90% of its industry peers.
SNV has a better Return On Equity (12.97%) than 86.34% 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
With an excellent Profit Margin value of 31.96%, SNV belongs to the best of the industry, outperforming 84.79% of the companies in the same industry.
SNV's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for SNV so they could not be analyzed.
| 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.
The number of shares outstanding for SNV has been reduced compared to 5 years ago.
Compared to 1 year ago, SNV has an improved debt to assets ratio.
2.2 Solvency
SNV has a debt to FCF ratio of 4.60. This is a neutral value as SNV would need 4.60 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 4.60, SNV is doing worse than 69.85% 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.
SNV's Debt to Equity ratio of 0.53 is on the low side compared to the rest of the industry. SNV is outperformed by 77.06% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.53 | ||
| Debt/FCF | 4.6 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC19.27%
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.
The Earnings Per Share has been growing slightly by 4.39% on average over the past years.
SNV shows a strong growth in Revenue. In the last year, 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 10.51% yearly.
The Revenue is expected to grow by 8.14% on average over the next years. This is quite good.
EPS Next Y26.29%
EPS Next 2Y12.32%
EPS Next 3Y10.51%
EPS Next 5YN/A
Revenue Next Year14.87%
Revenue Next 2Y9.8%
Revenue Next 3Y8.14%
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 accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 9.47, which indicates a very decent valuation of SNV.
Based on the Price/Earnings ratio, SNV is valued cheaper than 85.31% of the companies in the same industry.
When comparing the Price/Earnings ratio of SNV to the average of the S&P500 Index (26.92), we can say SNV is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 9.16, the valuation of SNV can be described as reasonable.
70.62% of the companies in the same industry are more expensive than SNV, based on the Price/Forward Earnings ratio.
SNV's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.46.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.47 | ||
| Fwd PE | 9.16 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as SNV.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.8 | ||
| 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)2.16
EPS Next 2Y12.32%
EPS Next 3Y10.51%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.87%, SNV is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 2.74, SNV pays a better dividend. On top of this SNV pays more dividend than 98.97% of the companies listed in the same industry.
SNV's Dividend Yield is rather good when compared to the S&P500 average which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.87% |
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.
As SNV did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
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.
The dividend of SNV is growing, but earnings are growing more, so the dividend growth is sustainable.
DP34.75%
EPS Next 2Y12.32%
EPS Next 3Y10.51%
51.98
-0.74 (-1.4%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners84.09%
Inst Owner Change-4.02%
Ins Owners0.52%
Ins Owner Change2.78%
Market Cap7.22B
Revenue(TTM)2.36B
Net Income(TTM)754.45M
Analysts74.74
Price Target59.16 (13.81%)
Short Float %2.37%
Short Ratio2.89
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.87% |
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)2.23%
PT rev (3m)-1.81%
EPS NQ rev (1m)0.34%
EPS NQ rev (3m)0.2%
EPS NY rev (1m)0.81%
EPS NY rev (3m)2.43%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.81%
Revenue NY rev (1m)0.12%
Revenue NY rev (3m)0.37%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.47 | ||
| Fwd PE | 9.16 | ||
| P/S | 3.06 | ||
| P/FCF | 10.8 | ||
| P/OCF | 10.28 | ||
| P/B | 1.24 | ||
| P/tB | 1.36 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.49
EY10.56%
EPS(NY)5.68
Fwd EY10.92%
FCF(TTM)4.81
FCFY9.26%
OCF(TTM)5.05
OCFY9.72%
SpS17
BVpS41.92
TBVpS38.26
PEG (NY)0.36
PEG (5Y)2.16
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
WACC19.27%
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 Y26.29%
EPS Next 2Y12.32%
EPS Next 3Y10.51%
EPS Next 5YN/A
Revenue 1Y (TTM)24.42%
Revenue growth 3Y0.1%
Revenue growth 5Y0.38%
Sales Q2Q%8.97%
Revenue Next Year14.87%
Revenue Next 2Y9.8%
Revenue Next 3Y8.14%
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 5 / 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 8 / 10 and the dividend payout ratio is 34.75%.