SYNOVUS FINANCIAL CORP (SNV) Stock Fundamental Analysis
USA - NYSE:SNV - US87161C5013 - Common Stock
46.07 USD
+0.65 (+1.43%)
46.07 USD
0 (0%)
We assign a fundamental rating of 5 out of 10 to SNV. SNV was compared to 391 industry peers in the Banks industry. While SNV is still in line with the averages on profitability rating, there are concerns on its financial health. SNV is evaluated to be cheap and growing strongly. This does not happen too often! Finally SNV also has an excellent dividend rating.
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.
SNV had positive earnings in each of the past 5 years.
Each year in the past 5 years SNV had a positive operating cash flow.
1.2 Ratios
The Return On Assets of SNV (1.21%) is better than 79.28% of its industry peers.
SNV has a better Return On Equity (13.15%) than 87.47% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.21% | ||
| ROE | 13.15% | ||
| 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 has a Profit Margin of 31.97%. This is amongst the best in the industry. SNV outperforms 85.93% of its industry peers.
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) | 31.97% | ||
| 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.
SNV has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of SNV is 5.62, which is a neutral value as it means it would take SNV, 5.62 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 5.62, SNV is doing worse than 70.84% of the companies in the same industry.
A Debt/Equity ratio of 0.71 indicates that SNV is somewhat dependend on debt financing.
SNV has a worse Debt to Equity ratio (0.71) than 81.07% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.71 | ||
| Debt/FCF | 5.62 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC20.34%
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.
Looking at the last year, SNV shows a very strong growth in Revenue. The Revenue has grown by 24.42%.
SNV shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 0.38% yearly.
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 12.35% yearly.
Based on estimates for the next years, SNV will show a quite strong growth in Revenue. The Revenue will grow by 8.09% on average per year.
EPS Next Y24.8%
EPS Next 2Y13.26%
EPS Next 3Y12.35%
EPS Next 5YN/A
Revenue Next Year14.63%
Revenue Next 2Y9.57%
Revenue Next 3Y8.09%
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 8.39, which indicates a very decent valuation of SNV.
90.79% of the companies in the same industry are more expensive than SNV, based on the Price/Earnings ratio.
SNV's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.91.
A Price/Forward Earnings ratio of 7.98 indicates a rather cheap valuation of SNV.
Based on the Price/Forward Earnings ratio, SNV is valued cheaper than 81.33% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.92. SNV is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.39 | ||
| Fwd PE | 7.98 |
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 73.66% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9 | ||
| 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.
A more expensive valuation may be justified as SNV's earnings are expected to grow with 12.35% in the coming years.
PEG (NY)0.34
PEG (5Y)1.91
EPS Next 2Y13.26%
EPS Next 3Y12.35%
5. Dividend
5.1 Amount
SNV has a Yearly Dividend Yield of 3.43%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.53, SNV pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.32, SNV pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.43% |
5.2 History
The dividend of SNV has a limited annual growth rate of 5.11%.
SNV has paid a dividend for at least 10 years, which is 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
35.36% 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.
DP35.36%
EPS Next 2Y13.26%
EPS Next 3Y12.35%
46.07
+0.65 (+1.43%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners87.39%
Inst Owner Change-0.97%
Ins Owners0.48%
Ins Owner Change2.39%
Market Cap6.39B
Revenue(TTM)2.36B
Net Income(TTM)738.49M
Analysts74.74
Price Target60.11 (30.48%)
Short Float %1.98%
Short Ratio1.64
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.43% |
Yearly Dividend1.81
Dividend Growth(5Y)5.11%
DP35.36%
Div Incr Years0
Div Non Decr Years9
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)15.99%
Min EPS beat(2)14.92%
Max EPS beat(2)17.06%
EPS beat(4)4
Avg EPS beat(4)12.78%
Min EPS beat(4)7.53%
Max EPS beat(4)17.06%
EPS beat(8)6
Avg EPS beat(8)10.4%
EPS beat(12)8
Avg EPS beat(12)7.75%
EPS beat(16)12
Avg EPS beat(16)8.63%
Revenue beat(2)1
Avg Revenue beat(2)-0.26%
Min Revenue beat(2)-0.87%
Max Revenue beat(2)0.34%
Revenue beat(4)2
Avg Revenue beat(4)0.21%
Min Revenue beat(4)-0.87%
Max Revenue beat(4)1.45%
Revenue beat(8)3
Avg Revenue beat(8)-4.55%
Revenue beat(12)5
Avg Revenue beat(12)-3.12%
Revenue beat(16)7
Avg Revenue beat(16)-2.22%
PT rev (1m)-0.24%
PT rev (3m)1.19%
EPS NQ rev (1m)0.27%
EPS NQ rev (3m)9.76%
EPS NY rev (1m)0.13%
EPS NY rev (3m)9.36%
Revenue NQ rev (1m)-0.02%
Revenue NQ rev (3m)-0.03%
Revenue NY rev (1m)-0.04%
Revenue NY rev (3m)0.92%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.39 | ||
| Fwd PE | 7.98 | ||
| P/S | 2.77 | ||
| P/FCF | 9 | ||
| P/OCF | 8.49 | ||
| P/B | 1.14 | ||
| P/tB | 1.25 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.49
EY11.92%
EPS(NY)5.77
Fwd EY12.53%
FCF(TTM)5.12
FCFY11.11%
OCF(TTM)5.42
OCFY11.77%
SpS16.64
BVpS40.47
TBVpS36.8
PEG (NY)0.34
PEG (5Y)1.91
Graham Number70.7
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.21% | ||
| ROE | 13.15% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 31.97% | ||
| GM | N/A | ||
| FCFM | 30.76% |
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-Score8
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.71 | ||
| Debt/FCF | 5.62 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 82.51% | ||
| Cap/Sales | 1.83% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 96.22% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC20.34%
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 Y24.8%
EPS Next 2Y13.26%
EPS Next 3Y12.35%
EPS Next 5YN/A
Revenue 1Y (TTM)24.42%
Revenue growth 3Y0.1%
Revenue growth 5Y0.38%
Sales Q2Q%8.97%
Revenue Next Year14.63%
Revenue Next 2Y9.57%
Revenue Next 3Y8.09%
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-57.27%
FCF growth 3Y-0.14%
FCF growth 5Y6.44%
OCF growth 1Y-55.57%
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 7 / 10 to SYNOVUS FINANCIAL CORP (SNV). This can be considered as Undervalued.
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 35.36%.