SYNOVUS FINANCIAL CORP (SNV) Fundamental Analysis & Valuation

NYSE:SNV • US87161C5013

Current stock price

50.05 USD
-1.28 (-2.49%)
At close:
50.5 USD
+0.45 (+0.9%)
After Hours:

This SNV fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. SNV Profitability Analysis

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.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M 400M 600M 800M 1B

1.2 Ratios

  • With an excellent Return On Assets value of 1.25%, SNV belongs to the best of the industry, outperforming 80.10% of the companies in the same industry.
  • SNV's Return On Equity of 12.97% is amongst the best of the industry. SNV outperforms 86.56% of its industry peers.
Industry RankSector Rank
ROA 1.25%
ROE 12.97%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • SNV's Profit Margin of 31.96% is amongst the best of the industry. SNV outperforms 84.75% 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) 31.96%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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2

2. SNV Health Analysis

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.
  • The debt/assets ratio for SNV has been reduced compared to a year ago.
SNV Yearly Shares OutstandingSNV Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B

2.2 Solvency

  • SNV has a debt to FCF ratio of 4.60. This is a neutral value as SNV would need 4.60 years to pay back of all of its debts.
  • With a Debt to FCF ratio value of 4.60, SNV is not doing good in the industry: 69.77% of the companies in the same industry are doing better.
  • SNV has a Debt/Equity ratio of 0.53. This is a neutral value indicating SNV is somewhat dependend on debt financing.
  • SNV's Debt to Equity ratio of 0.53 is on the low side compared to the rest of the industry. SNV is outperformed by 76.74% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.53
Debt/FCF 4.6
Altman-Z N/A
ROIC/WACCN/A
WACC19.74%
SNV Yearly LT Debt VS Equity VS FCFSNV Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. SNV Growth Analysis

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%.
  • The Revenue has been growing slightly by 0.38% on average over the past years.
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

  • Based on estimates for the next years, SNV will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.51% on average per year.
  • SNV is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.14% yearly.
EPS Next Y26.29%
EPS Next 2Y12.32%
EPS Next 3Y10.51%
EPS Next 5YN/A
Revenue Next Year14.87%
Revenue Next 2Y9.8%
Revenue Next 3Y8.14%
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 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6

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6

4. SNV Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 9.12, the valuation of SNV can be described as reasonable.
  • Based on the Price/Earnings ratio, SNV is valued cheaper than 88.89% of the companies in the same industry.
  • SNV is valuated cheaply when we compare the Price/Earnings ratio to 25.70, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 8.82, which indicates a very decent valuation of SNV.
  • Based on the Price/Forward Earnings ratio, SNV is valued a bit cheaper than the industry average as 79.33% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.84, SNV is valued rather cheaply.
Industry RankSector Rank
PE 9.12
Fwd PE 8.82
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

  • SNV's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. SNV is cheaper than 62.79% of the companies in the same industry.
Industry RankSector Rank
P/FCF 10.4
EV/EBITDA N/A
SNV Per share dataSNV EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

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)0.35
PEG (5Y)2.08
EPS Next 2Y12.32%
EPS Next 3Y10.51%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. SNV Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.12%, SNV has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.86, SNV pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, SNV pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.12%

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

  • 34.75% 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.
DP34.75%
EPS Next 2Y12.32%
EPS Next 3Y10.51%
SNV Yearly Income VS Free CF VS DividendSNV Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 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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SNV Fundamentals: All Metrics, Ratios and Statistics

SYNOVUS FINANCIAL CORP

NYSE:SNV (12/31/2025, 8:04:00 PM)

After market: 50.5 +0.45 (+0.9%)

50.05

-1.28 (-2.49%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-15
Earnings (Next)01-21
Inst Owners84.25%
Inst Owner Change6.89%
Ins Owners0.54%
Ins Owner Change-136.06%
Market Cap6.95B
Revenue(TTM)2.36B
Net Income(TTM)754.45M
Analysts74.74
Price Target59.16 (18.2%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.12%
Yearly Dividend1.81
Dividend Growth(5Y)5.11%
DP34.75%
Div Incr Years0
Div Non Decr Years9
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)11.7%
Min EPS beat(2)6.34%
Max EPS beat(2)17.06%
EPS beat(4)4
Avg EPS beat(4)11.46%
Min EPS beat(4)6.34%
Max EPS beat(4)17.06%
EPS beat(8)7
Avg EPS beat(8)11.68%
EPS beat(12)8
Avg EPS beat(12)7.95%
EPS beat(16)12
Avg EPS beat(16)8.42%
Revenue beat(2)2
Avg Revenue beat(2)0.55%
Min Revenue beat(2)0.34%
Max Revenue beat(2)0.76%
Revenue beat(4)3
Avg Revenue beat(4)0.42%
Min Revenue beat(4)-0.87%
Max Revenue beat(4)1.45%
Revenue beat(8)3
Avg Revenue beat(8)-4.61%
Revenue beat(12)5
Avg Revenue beat(12)-3.14%
Revenue beat(16)7
Avg Revenue beat(16)-2.25%
PT rev (1m)1.99%
PT rev (3m)-1.58%
EPS NQ rev (1m)0.29%
EPS NQ rev (3m)0.05%
EPS NY rev (1m)0.34%
EPS NY rev (3m)2.43%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.81%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.42%
Valuation
Industry RankSector Rank
PE 9.12
Fwd PE 8.82
P/S 2.94
P/FCF 10.4
P/OCF 9.9
P/B 1.19
P/tB 1.31
EV/EBITDA N/A
EPS(TTM)5.49
EY10.97%
EPS(NY)5.68
Fwd EY11.34%
FCF(TTM)4.81
FCFY9.62%
OCF(TTM)5.05
OCFY10.1%
SpS17
BVpS41.92
TBVpS38.26
PEG (NY)0.35
PEG (5Y)2.08
Graham Number71.96
Profitability
Industry RankSector Rank
ROA 1.25%
ROE 12.97%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 31.96%
GM N/A
FCFM 28.31%
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-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.53
Debt/FCF 4.6
Debt/EBITDA N/A
Cap/Depr 61.34%
Cap/Sales 1.42%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 88.56%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC19.74%
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 Y26.29%
EPS Next 2Y12.32%
EPS Next 3Y10.51%
EPS Next 5YN/A
Revenue 1Y (TTM)24.42%
Revenue growth 3Y0.1%
Revenue growth 5Y0.38%
Sales Q2Q%8.97%
Revenue Next Year14.87%
Revenue Next 2Y9.8%
Revenue Next 3Y8.14%
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-57.39%
FCF growth 3Y-0.14%
FCF growth 5Y6.44%
OCF growth 1Y-56.06%
OCF growth 3Y1.12%
OCF growth 5Y5.74%

SYNOVUS FINANCIAL CORP / SNV Fundamental Analysis 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 of SYNOVUS FINANCIAL CORP (SNV) stock?

ChartMill assigns a valuation rating of 6 / 10 to SYNOVUS FINANCIAL CORP (SNV). This can be considered as Fairly Valued.


What is the profitability of SNV stock?

SYNOVUS FINANCIAL CORP (SNV) has a profitability rating of 4 / 10.


What is the financial health of SYNOVUS FINANCIAL CORP (SNV) stock?

The financial health rating of SYNOVUS FINANCIAL CORP (SNV) is 2 / 10.


How sustainable is the dividend of SYNOVUS FINANCIAL CORP (SNV) stock?

The dividend rating of SYNOVUS FINANCIAL CORP (SNV) is 7 / 10 and the dividend payout ratio is 34.75%.