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SYNOVUS FINANCIAL CORP (SNV) Stock Fundamental Analysis

NYSE:SNV - New York Stock Exchange, Inc. - US87161C5013 - Common Stock - Currency: USD

48.97  -0.49 (-0.99%)

After market: 48.97 0 (0%)

Fundamental Rating

4

Overall SNV gets a fundamental rating of 4 out of 10. We evaluated SNV against 396 industry peers in the Banks industry. SNV may be in some trouble as it scores bad on both profitability and health. SNV has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year SNV was profitable.
In the past year SNV had a positive cash flow from operations.
In the past 5 years SNV has always been profitable.
In the past 5 years SNV always reported a positive cash flow from operatings.
SNV Yearly Net Income VS EBIT VS OCF VS FCFSNV Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M 400M 600M 800M 1B

1.2 Ratios

SNV has a Return On Assets (0.84%) which is in line with its industry peers.
With a decent Return On Equity value of 9.43%, SNV is doing good in the industry, outperforming 60.10% of the companies in the same industry.
Industry RankSector Rank
ROA 0.84%
ROE 9.43%
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
SNV Yearly ROA, ROE, ROICSNV Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

SNV's Profit Margin of 25.14% is in line compared to the rest of the industry. SNV outperforms 58.59% 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 RankSector Rank
OM N/A
PM (TTM) 25.14%
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
SNV Yearly Profit, Operating, Gross MarginsSNV Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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2

2. Health

2.1 Basic Checks

SNV does not have a ROIC to compare to the WACC, probably because it is not profitable.
SNV has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, SNV has less shares outstanding
SNV has a better debt/assets ratio than last year.
SNV Yearly Shares OutstandingSNV Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M
SNV Yearly Total Debt VS Total AssetsSNV Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B

2.2 Solvency

The Debt to FCF ratio of SNV is 2.71, which is a good value as it means it would take SNV, 2.71 years of fcf income to pay off all of its debts.
SNV's Debt to FCF ratio of 2.71 is on the low side compared to the rest of the industry. SNV is outperformed by 61.36% of its industry peers.
A Debt/Equity ratio of 0.40 indicates that SNV is not too dependend on debt financing.
SNV has a Debt to Equity ratio of 0.40. This is in the lower half of the industry: SNV underperforms 75.51% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.4
Debt/FCF 2.71
Altman-Z N/A
ROIC/WACCN/A
WACC20.14%
SNV Yearly LT Debt VS Equity VS FCFSNV Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B 2B 3B 4B 5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SNV Yearly Current Assets VS Current LiabilitesSNV Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

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5

3. Growth

3.1 Past

SNV shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 26.02%, which is quite impressive.
SNV shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.39% yearly.
SNV shows a decrease in Revenue. In the last year, the revenue decreased by -5.70%.
The Revenue has been growing slightly by 0.38% on average over the past years.
EPS 1Y (TTM)26.02%
EPS 3Y-3.19%
EPS 5Y4.39%
EPS Q2Q%51.16%
Revenue 1Y (TTM)-5.7%
Revenue growth 3Y0.1%
Revenue growth 5Y0.38%
Sales Q2Q%6.16%

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 9.15% yearly.
The Revenue is expected to grow by 6.91% on average over the next years.
EPS Next Y14%
EPS Next 2Y10.29%
EPS Next 3Y9.15%
EPS Next 5YN/A
Revenue Next Year13.06%
Revenue Next 2Y9.18%
Revenue Next 3Y6.91%
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.
SNV Yearly Revenue VS EstimatesSNV Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B 2B 2.5B
SNV Yearly EPS VS EstimatesSNV Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4 5

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6

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 9.91, which indicates a very decent valuation of SNV.
Based on the Price/Earnings ratio, SNV is valued a bit cheaper than 77.78% of the companies in the same industry.
SNV's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.55.
Based on the Price/Forward Earnings ratio of 8.95, 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 61.87% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of SNV to the average of the S&P500 Index (22.40), we can say SNV is valued rather cheaply.
Industry RankSector Rank
PE 9.91
Fwd PE 8.95
SNV Price Earnings VS Forward Price EarningsSNV Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, SNV is valued a bit cheaper than the industry average as 72.73% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 8.48
EV/EBITDA N/A
SNV Per share dataSNV EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.71
PEG (5Y)2.26
EPS Next 2Y10.29%
EPS Next 3Y9.15%

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.28%, SNV has a reasonable but not impressive dividend return.
SNV's Dividend Yield is comparable with the industry average which is at 3.51.
SNV's Dividend Yield is a higher than the S&P500 average which is at 2.39.
Industry RankSector Rank
Dividend Yield 3.28%

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
SNV Yearly Dividends per shareSNV Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

SNV pays out 51.21% of its income as dividend. This is a bit on the high side, but may be sustainable.
SNV's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP51.21%
EPS Next 2Y10.29%
EPS Next 3Y9.15%
SNV Yearly Income VS Free CF VS DividendSNV Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M 400M 600M 800M 1B
SNV Dividend Payout.SNV Dividend Payout, showing the Payout Ratio.SNV Dividend Payout.PayoutRetained Earnings

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SYNOVUS FINANCIAL CORP

NYSE:SNV (6/11/2025, 4:15:00 PM)

After market: 48.97 0 (0%)

48.97

-0.49 (-0.99%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-16 2025-04-16/amc
Earnings (Next)07-15 2025-07-15/amc
Inst Owners86.72%
Inst Owner Change0.32%
Ins Owners0.5%
Ins Owner Change6.97%
Market Cap6.81B
Analysts75.45
Price Target56.1 (14.56%)
Short Float %3.86%
Short Ratio3.48
Dividend
Industry RankSector Rank
Dividend Yield 3.28%
Yearly Dividend1.81
Dividend Growth(5Y)5.11%
DP51.21%
Div Incr Years0
Div Non Decr Years9
Ex-Date06-18 2025-06-18 (0.39)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)11.22%
Min EPS beat(2)7.53%
Max EPS beat(2)14.92%
EPS beat(4)4
Avg EPS beat(4)16.75%
Min EPS beat(4)7.53%
Max EPS beat(4)32.91%
EPS beat(8)5
Avg EPS beat(8)8.27%
EPS beat(12)8
Avg EPS beat(12)6.82%
EPS beat(16)12
Avg EPS beat(16)8.48%
Revenue beat(2)1
Avg Revenue beat(2)0.29%
Min Revenue beat(2)-0.87%
Max Revenue beat(2)1.45%
Revenue beat(4)1
Avg Revenue beat(4)-7.21%
Min Revenue beat(4)-29.35%
Max Revenue beat(4)1.45%
Revenue beat(8)2
Avg Revenue beat(8)-4.79%
Revenue beat(12)4
Avg Revenue beat(12)-3.18%
Revenue beat(16)6
Avg Revenue beat(16)-2.28%
PT rev (1m)0.24%
PT rev (3m)-13.21%
EPS NQ rev (1m)-0.11%
EPS NQ rev (3m)5.5%
EPS NY rev (1m)4.27%
EPS NY rev (3m)5.55%
Revenue NQ rev (1m)-0.07%
Revenue NQ rev (3m)0.71%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 9.91
Fwd PE 8.95
P/S 3.37
P/FCF 8.48
P/OCF 8.02
P/B 1.26
P/tB 1.4
EV/EBITDA N/A
EPS(TTM)4.94
EY10.09%
EPS(NY)5.47
Fwd EY11.18%
FCF(TTM)5.78
FCFY11.8%
OCF(TTM)6.11
OCFY12.47%
SpS14.55
BVpS38.78
TBVpS35.1
PEG (NY)0.71
PEG (5Y)2.26
Profitability
Industry RankSector Rank
ROA 0.84%
ROE 9.43%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.14%
GM N/A
FCFM 39.71%
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
ROICexcg growth 3YN/A
ROICexcg 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 Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.4
Debt/FCF 2.71
Debt/EBITDA N/A
Cap/Depr 84.7%
Cap/Sales 2.27%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 157.95%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC20.14%
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)26.02%
EPS 3Y-3.19%
EPS 5Y4.39%
EPS Q2Q%51.16%
EPS Next Y14%
EPS Next 2Y10.29%
EPS Next 3Y9.15%
EPS Next 5YN/A
Revenue 1Y (TTM)-5.7%
Revenue growth 3Y0.1%
Revenue growth 5Y0.38%
Sales Q2Q%6.16%
Revenue Next Year13.06%
Revenue Next 2Y9.18%
Revenue Next 3Y6.91%
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-39.65%
FCF growth 3Y-0.14%
FCF growth 5Y6.44%
OCF growth 1Y-37.8%
OCF growth 3Y1.12%
OCF growth 5Y5.74%