US87161C5013 - Common Stock

Overall **SNV** gets a fundamental rating of **4** out of 10. We evaluated **SNV** against 416 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. Finally **SNV** also has an excellent dividend rating.

In the past year **SNV** had a positive cash flow from operations.

Each year in the past 5 years **SNV** has been profitable.

Of the past 5 years **SNV** 4 years had a positive operating cash flow.

The **Return On Equity** of **SNV** (**14.21%**) is better than **78.93%** of its industry peers.

Industry Rank | Sector Rank | ||
---|---|---|---|

ROA | 1.09% | ||

ROE | 14.21% | ||

ROIC | N/A |

ROA(3y)1.11%

ROA(5y)1.02%

ROE(3y)13.28%

ROE(5y)11.48%

ROIC(3y)N/A

ROIC(5y)N/A

In the last couple of years the **Profit Margin** of **SNV** has declined.

Industry Rank | Sector Rank | ||
---|---|---|---|

OM | N/A | ||

PM (TTM) | 27.75% | ||

GM | N/A |

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y10.9%

PM growth 5Y-4.35%

GM growth 3YN/A

GM growth 5YN/A

Compared to 5 years ago, **SNV** has more shares outstanding

Compared to 1 year ago, **SNV** has an improved debt to assets ratio.

The **Debt to Equity ratio** of **SNV** (**0.62**) is worse than **76.03%** of its industry peers.

Even though the debt/equity ratio score it not favorable for **SNV**, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.

Industry Rank | Sector Rank | ||
---|---|---|---|

Debt/Equity | 0.62 | ||

Debt/FCF | 1.79 | ||

Altman-Z | N/A |

ROIC/WACCN/A

WACC9.08%

Industry Rank | Sector Rank | ||
---|---|---|---|

Current Ratio | N/A | ||

Quick Ratio | N/A |

Looking at the last year, **SNV** shows a quite strong growth in **Revenue**. The Revenue has grown by **9.99%** in the last year.

EPS 1Y (TTM)-5.26%

EPS 3Y22.13%

EPS 5Y4.64%

EPS growth Q2Q-37.31%

Revenue 1Y (TTM)9.99%

Revenue growth 3Y3.02%

Revenue growth 5Y9.1%

Revenue growth Q2Q-5.48%

EPS Next Y-7.7%

EPS Next 2Y0.76%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year-0.62%

Revenue Next 2Y2.36%

Revenue Next 3Y5.32%

Revenue Next 5YN/A

The EPS growth rate is decreasing: in the next years the growth will be less 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 decreasing.

The **Price/Earnings** ratio is **7.91**, which indicates a rather cheap valuation of **SNV**.

A **Price/Forward Earnings** ratio of **9.14** indicates a reasonable valuation of **SNV**.

72.40% of the companies in the same industry are more expensive than **SNV**, based on the **Price/Forward Earnings** ratio.

Compared to an average S&P500 **Price/Forward Earnings** ratio of **21.51**, **SNV** is valued rather cheaply.

Industry Rank | Sector Rank | ||
---|---|---|---|

PE | 7.91 | ||

Fwd PE | 9.14 |

92.98% of the companies in the same industry are more expensive than **SNV**, based on the **Price/Free Cash Flow** ratio.

Industry Rank | Sector Rank | ||
---|---|---|---|

P/FCF | 3.45 | ||

EV/EBITDA | N/A |

PEG (NY)N/A

PEG (5Y)1.71

EPS Next 2Y0.76%

EPS Next 3YN/A

Compared to an average industry **Dividend Yield** of **3.67**, **SNV** pays a bit more dividend than its industry peers.

Industry Rank | Sector Rank | ||
---|---|---|---|

Dividend Yield | 4.14% |

On average, the dividend of **SNV** grows each year by **24.00%**, which is quite nice.

Dividend Growth(5Y)24%

Div Incr Years1

Div Non Decr Years13

The dividend of **SNV** is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP37.92%

EPS Next 2Y0.76%

EPS Next 3YN/A

**SYNOVUS FINANCIAL CORP**

NYSE:SNV (2/20/2024, 11:09:46 AM)

**37.03**

**+0.33 (+0.9%) **

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)

Earnings (Next)

Inst Owners

Inst Owner Change

Ins Owners

Ins Owner Change

Market Cap5.42B

Analysts

Price Target

Dividend

Industry Rank | Sector Rank | ||
---|---|---|---|

Dividend Yield | 4.14% |

Dividend Growth(5Y)

DP

Div Incr Years

Div Non Decr Years

Ex-Date

Surprises & Revisions

EPS beat(2)

Avg EPS beat(2)

Min EPS beat(2)

Max EPS beat(2)

EPS beat(4)

Avg EPS beat(4)

Min EPS beat(4)

Max EPS beat(4)

EPS beat(8)

Avg EPS beat(8)

EPS beat(12)

Avg EPS beat(12)

EPS beat(16)

Avg EPS beat(16)

Revenue beat(2)

Avg Revenue beat(2)

Min Revenue beat(2)

Max Revenue beat(2)

Revenue beat(4)

Avg Revenue beat(4)

Min Revenue beat(4)

Max Revenue beat(4)

Revenue beat(8)

Avg Revenue beat(8)

Revenue beat(12)

Avg Revenue beat(12)

Revenue beat(16)

Avg Revenue beat(16)

PT rev (1m)

PT rev (3m)

EPS NQ rev (1m)

EPS NQ rev (3m)

EPS NY rev (1m)

EPS NY rev (3m)

Revenue NQ rev (1m)

Revenue NQ rev (3m)

Revenue NY rev (1m)

Revenue NY rev (3m)

Valuation

Industry Rank | Sector Rank | ||
---|---|---|---|

PE | 7.91 | ||

Fwd PE | 9.14 | ||

P/S | |||

P/FCF | |||

P/OCF | |||

P/B | |||

P/tB | |||

EV/EBITDA |

EPS(TTM)

EY

EPS(NY)

Fwd EY

FCF(TTM)

FCFY

OCF(TTM)

OCFY

SpS

BVpS

TBVpS

PEG (NY)N/A

PEG (5Y)1.71

Profitability

Industry Rank | Sector Rank | ||
---|---|---|---|

ROA | 1.09% | ||

ROE | 14.21% | ||

ROCE | |||

ROIC | |||

ROICexc | |||

ROICexgc | |||

OM | N/A | ||

PM (TTM) | 27.75% | ||

GM | N/A | ||

FCFM |

ROA(3y)

ROA(5y)

ROE(3y)

ROE(5y)

ROIC(3y)

ROIC(5y)

ROICexc(3y)

ROICexc(5y)

ROICexgc(3y)

ROICexgc(5y)

ROCE(3y)

ROCE(5y)

ROICexcg growth 3Y

ROICexcg growth 5Y

ROICexc growth 3Y

ROICexc growth 5Y

OM growth 3Y

OM growth 5Y

PM growth 3Y

PM growth 5Y

GM growth 3Y

GM growth 5Y

F-Score

Asset Turnover0.04

Health

Industry Rank | Sector Rank | ||
---|---|---|---|

Debt/Equity | 0.62 | ||

Debt/FCF | |||

Debt/EBITDA | |||

Cap/Depr | |||

Cap/Sales | |||

Interest Coverage | |||

Cash Conversion | |||

Profit Quality | |||

Current Ratio | N/A | ||

Quick Ratio | N/A | ||

Altman-Z |

F-Score

WACC

ROIC/WACC

Cap/Depr(3y)

Cap/Depr(5y)

Cap/Sales(3y)

Cap/Sales(5y)

Profit Quality(3y)

Profit Quality(5y)

Growth

EPS 1Y (TTM)-5.26%

EPS 3Y22.13%

EPS 5Y

EPS growth Q2Q

EPS Next Y-7.7%

EPS Next 2Y

EPS Next 3Y

EPS Next 5Y

Revenue 1Y (TTM)9.99%

Revenue growth 3Y3.02%

Revenue growth 5Y

Revenue growth Q2Q

Revenue Next Year

Revenue Next 2Y

Revenue Next 3Y

Revenue Next 5Y

EBIT growth 1Y

EBIT growth 3Y

EBIT growth 5Y

EBIT Next Year

EBIT Next 3Y

EBIT Next 5Y

FCF growth 1Y

FCF growth 3Y

FCF growth 5Y

OCF growth 1Y

OCF growth 3Y

OCF growth 5Y