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SYNOVUS FINANCIAL CORP (SNV) Stock Fundamental Analysis

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

46.07  -0.34 (-0.73%)

After market: 46.07 0 (0%)

Fundamental Rating

4

Overall SNV gets a fundamental rating of 4 out of 10. We evaluated SNV against 397 industry peers in the Banks industry. SNV has a bad profitability rating. Also its financial health evaluation is rather negative. SNV has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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3

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.
SNV had positive earnings in each of the past 5 years.
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 of 0.84%. This is comparable to the rest of the industry: SNV outperforms 52.64% of its industry peers.
Looking at the Return On Equity, with a value of 9.43%, SNV is in the better half of the industry, outperforming 60.96% 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 has a Profit Margin of 25.14%. This is comparable to the rest of the industry: SNV outperforms 59.19% of its industry peers.
In the last couple of years the Profit Margin of SNV has declined.
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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3

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.
SNV has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, SNV has an improved debt to assets ratio.
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 has a Debt to FCF ratio (2.71) which is comparable to the rest of the industry.
A Debt/Equity ratio of 0.40 indicates that SNV is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.40, SNV is doing worse than 75.06% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.4
Debt/FCF 2.71
Altman-Z N/A
ROIC/WACCN/A
WACC20.58%
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

The Earnings Per Share has grown by an impressive 26.02% over the past year.
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

Based on estimates for the next years, SNV will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.01% on average per year.
Based on estimates for the next years, SNV will show a small growth in Revenue. The Revenue will grow by 6.91% on average per year.
EPS Next Y9.33%
EPS Next 2Y9.92%
EPS Next 3Y9.01%
EPS Next 5YN/A
Revenue Next Year13.06%
Revenue Next 2Y9.15%
Revenue Next 3Y6.91%
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better 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 accelerating.
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 9.33, which indicates a very decent valuation of SNV.
Based on the Price/Earnings ratio, SNV is valued cheaply inside the industry as 84.13% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of SNV to the average of the S&P500 Index (24.21), we can say SNV is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 8.47, 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 73.05% of the companies are valued more expensively.
SNV is valuated cheaply when we compare the Price/Forward Earnings ratio to 20.44, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.33
Fwd PE 8.47
SNV Price Earnings VS Forward Price EarningsSNV Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

SNV's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. SNV is cheaper than 79.85% of the companies in the same industry.
Industry RankSector Rank
P/FCF 7.99
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

SNV's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)1
PEG (5Y)2.12
EPS Next 2Y9.92%
EPS Next 3Y9.01%

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6

5. Dividend

5.1 Amount

SNV has a Yearly Dividend Yield of 3.36%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.44, SNV has a dividend in line with its industry peers.
SNV's Dividend Yield is a higher than the S&P500 average which is at 2.42.
Industry RankSector Rank
Dividend Yield 3.36%

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 Years2
Div Non Decr Years8
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

51.21% of the earnings are spent on dividend by SNV. This is a bit on the high side, but may be sustainable.
The dividend of SNV is growing, but earnings are growing more, so the dividend growth is sustainable.
DP51.21%
EPS Next 2Y9.92%
EPS Next 3Y9.01%
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 (5/9/2025, 8:22:25 PM)

After market: 46.07 0 (0%)

46.07

-0.34 (-0.73%)

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 Change-0.22%
Ins Owners0.5%
Ins Owner Change6.38%
Market Cap6.41B
Analysts76.19
Price Target55.9 (21.34%)
Short Float %3.59%
Short Ratio2.78
Dividend
Industry RankSector Rank
Dividend Yield 3.36%
Yearly Dividend1.81
Dividend Growth(5Y)5.11%
DP51.21%
Div Incr Years2
Div Non Decr Years8
Ex-Date03-20 2025-03-20 (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)-11.08%
PT rev (3m)-13.27%
EPS NQ rev (1m)5.41%
EPS NQ rev (3m)5.9%
EPS NY rev (1m)0.9%
EPS NY rev (3m)1.29%
Revenue NQ rev (1m)0.69%
Revenue NQ rev (3m)0.83%
Revenue NY rev (1m)0.13%
Revenue NY rev (3m)0.08%
Valuation
Industry RankSector Rank
PE 9.33
Fwd PE 8.47
P/S 3.17
P/FCF 7.99
P/OCF 7.56
P/B 1.19
P/tB 1.31
EV/EBITDA N/A
EPS(TTM)4.94
EY10.72%
EPS(NY)5.44
Fwd EY11.8%
FCF(TTM)5.77
FCFY12.52%
OCF(TTM)6.1
OCFY13.24%
SpS14.53
BVpS38.72
TBVpS35.05
PEG (NY)1
PEG (5Y)2.12
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
WACC20.58%
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 Y9.33%
EPS Next 2Y9.92%
EPS Next 3Y9.01%
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 2Y9.15%
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%