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SYNOVUS FINANCIAL CORP (SNV) Stock Fundamental Analysis

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

43.06  -0.26 (-0.6%)

After market: 43.06 0 (0%)

Fundamental Rating

4

Overall SNV gets a fundamental rating of 4 out of 10. We evaluated SNV against 398 industry peers in the Banks industry. SNV has a bad profitability rating. Also its financial health evaluation is rather negative. SNV is not valued too expensively and it also shows a decent 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.
Each year in the past 5 years SNV had a positive operating cash flow.
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's Return On Assets of 0.73% is in line compared to the rest of the industry. SNV outperforms 41.71% of its industry peers.
With a Return On Equity value of 8.38%, SNV perfoms like the industry average, outperforming 50.25% of the companies in the same industry.
Industry RankSector Rank
ROA 0.73%
ROE 8.38%
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 22.10%. This is comparable to the rest of the industry: SNV outperforms 44.97% 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) 22.1%
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.
Compared to 1 year ago, SNV has less shares outstanding
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

SNV has a debt to FCF ratio of 2.44. This is a good value and a sign of high solvency as SNV would need 2.44 years to pay back of all of its debts.
The Debt to FCF ratio of SNV (2.44) is comparable to the rest of the industry.
SNV has a Debt/Equity ratio of 0.36. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.36, SNV is doing worse than 73.12% of the companies in the same industry.
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 RankSector Rank
Debt/Equity 0.36
Debt/FCF 2.44
Altman-Z N/A
ROIC/WACCN/A
WACC21.13%
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.
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.
Looking at the last year, SNV shows a decrease in Revenue. The Revenue has decreased by -5.70% in the last year.
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.
The Revenue is expected to grow by 7.09% on average over the next years.
EPS Next Y9.33%
EPS Next 2Y9.92%
EPS Next 3Y9.01%
EPS Next 5YN/A
Revenue Next Year13.11%
Revenue Next 2Y9.24%
Revenue Next 3Y7.09%
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.
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 8.72, which indicates a very decent valuation of SNV.
Based on the Price/Earnings ratio, SNV is valued cheaper than 84.92% 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 28.78.
Based on the Price/Forward Earnings ratio of 7.92, the valuation of SNV can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of SNV indicates a rather cheap valuation: SNV is cheaper than 80.40% of the companies listed in the same industry.
SNV is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.32, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 8.72
Fwd PE 7.92
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 77.64% of the companies in the same industry.
Industry RankSector Rank
P/FCF 7.84
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)0.93
PEG (5Y)1.99
EPS Next 2Y9.92%
EPS Next 3Y9.01%

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.60%, SNV has a reasonable but not impressive dividend return.
The stock price of SNV dropped by -22.16% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
Compared to an average industry Dividend Yield of 3.52, SNV pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.46, SNV pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.6%

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

SNV pays out 59.34% 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.
DP59.34%
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 (4/25/2025, 8:04:00 PM)

After market: 43.06 0 (0%)

43.06

-0.26 (-0.6%)

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-41.7%
Ins Owners0.5%
Ins Owner Change5.2%
Market Cap5.99B
Analysts77.14
Price Target55.96 (29.96%)
Short Float %2.59%
Short Ratio2.01
Dividend
Industry RankSector Rank
Dividend Yield 3.6%
Yearly Dividend1.81
Dividend Growth(5Y)5.11%
DP59.34%
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)9.58%
Min EPS beat(2)7.53%
Max EPS beat(2)11.63%
EPS beat(4)3
Avg EPS beat(4)9.58%
Min EPS beat(4)-13.76%
Max EPS beat(4)32.91%
EPS beat(8)5
Avg EPS beat(8)7.34%
EPS beat(12)8
Avg EPS beat(12)6.05%
EPS beat(16)12
Avg EPS beat(16)9.41%
Revenue beat(2)1
Avg Revenue beat(2)0.69%
Min Revenue beat(2)-0.07%
Max Revenue beat(2)1.45%
Revenue beat(4)1
Avg Revenue beat(4)-7.69%
Min Revenue beat(4)-29.35%
Max Revenue beat(4)1.45%
Revenue beat(8)3
Avg Revenue beat(8)-4.67%
Revenue beat(12)4
Avg Revenue beat(12)-3.22%
Revenue beat(16)6
Avg Revenue beat(16)-2.3%
PT rev (1m)-13.43%
PT rev (3m)-9.71%
EPS NQ rev (1m)-0.22%
EPS NQ rev (3m)5.65%
EPS NY rev (1m)0.9%
EPS NY rev (3m)5.3%
Revenue NQ rev (1m)0.07%
Revenue NQ rev (3m)1.78%
Revenue NY rev (1m)0.04%
Revenue NY rev (3m)0.42%
Valuation
Industry RankSector Rank
PE 8.72
Fwd PE 7.92
P/S 3.01
P/FCF 7.84
P/OCF 7.3
P/B 1.14
P/tB 1.27
EV/EBITDA N/A
EPS(TTM)4.94
EY11.47%
EPS(NY)5.44
Fwd EY12.63%
FCF(TTM)5.49
FCFY12.76%
OCF(TTM)5.9
OCFY13.7%
SpS14.29
BVpS37.67
TBVpS33.98
PEG (NY)0.93
PEG (5Y)1.99
Profitability
Industry RankSector Rank
ROA 0.73%
ROE 8.38%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 22.1%
GM N/A
FCFM 38.45%
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-Score6
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.36
Debt/FCF 2.44
Debt/EBITDA N/A
Cap/Depr 92.95%
Cap/Sales 2.82%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 174.01%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC21.13%
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 Year13.11%
Revenue Next 2Y9.24%
Revenue Next 3Y7.09%
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-38.83%
FCF growth 3Y-0.14%
FCF growth 5Y6.44%
OCF growth 1Y-35.99%
OCF growth 3Y1.12%
OCF growth 5Y5.74%