SNV gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 383 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 not priced too expensively while it is growing strongly. Keep and eye on this one! SNV also has an excellent dividend rating.

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1. Profitability

2. Health

3. Growth

4. Valuation

5. Dividend

1. Profitability

1.1 Basic Checks

SNV had positive earnings in the past year.
In the past year SNV had a positive cash flow from operations.
In the past 5 years SNV has always been profitable.
Each year in the past 5 years SNV had a positive operating cash flow.

1.2 Ratios

SNV's Return On Assets of 1.25% is amongst the best of the industry. SNV outperforms 80.10% of its industry peers.
SNV has a Return On Equity of 12.97%. This is amongst the best in the industry. SNV outperforms 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

Looking at the Profit Margin, with a value of 31.96%, SNV belongs to the top of the industry, outperforming 84.75% of the companies in the same industry.
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

SNV does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, SNV has less shares outstanding
Compared to 5 years ago, SNV has less shares outstanding
Compared to 1 year ago, SNV has an improved debt to assets ratio.

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.
SNV's Debt to FCF ratio of 4.60 is on the low side compared to the rest of the industry. SNV is outperformed by 69.77% of its industry peers.
SNV has a Debt/Equity ratio of 0.53. This is a neutral value indicating SNV is somewhat dependend on debt financing.
SNV has a worse Debt to Equity ratio (0.53) than 76.74% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.53
Debt/FCF	4.6
Altman-Z	N/A

ROIC/WACCN/A

WACC19.74%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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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.
SNV shows a strong growth in Revenue. In the last year, the Revenue has grown by 24.42%.
Measured over the past years, SNV shows a small growth in Revenue. The Revenue has been growing by 0.38% on average per year.

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.

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4. Valuation

4.1 Price/Earnings Ratio

SNV is valuated reasonably with a Price/Earnings ratio of 9.12.
Compared to the rest of the industry, the Price/Earnings ratio of SNV indicates a rather cheap valuation: SNV is cheaper than 88.89% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.21, SNV is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 8.82, the valuation of SNV can be described as reasonable.
Based on the Price/Forward Earnings ratio, SNV is valued a bit cheaper than the industry average as 79.33% of the companies are valued more expensively.
SNV is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.98, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	9.12
Fwd PE	8.82

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of SNV indicates a somewhat cheap valuation: SNV is cheaper than 62.79% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	10.4
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)0.35

PEG (5Y)2.08

EPS Next 2Y12.32%

EPS Next 3Y10.51%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.12%, SNV has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 2.61, SNV pays a bit more dividend than its industry peers.
SNV's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.

		Industry Rank	Sector Rank
Dividend Yield	3.12%

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%

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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 of SYNOVUS FINANCIAL CORP (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.

What is the financial health of SYNOVUS FINANCIAL CORP (SNV) stock?

The financial health rating of SYNOVUS FINANCIAL CORP (SNV) is 2 / 10.

How sustainable is the dividend of SYNOVUS FINANCIAL CORP (SNV) stock?

The dividend rating of SYNOVUS FINANCIAL CORP (SNV) is 7 / 10 and the dividend payout ratio is 34.75%.