Synovus Financial Corp.
Synovus Financial Corp. operates as the bank holding company for Synovus Bank that provides commercial and retail banking products and services. It operates through three segments: Community Banking, Wholesale Banking, and Financial Management Services.
Banks - Regional
US, Columbus [HQ]
Ratios
15 Sheets · From 2023 to 2009Configuration
Margins, Growth Rates In %
| Ratio | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||||||||
| Gross Margin | 100.00 | 88.85 | 100.00 | 100.00 | 89.50 | 91.39 | 91.65 | 92.18 | 93.50 | 93.63 | 92.72 | 84.65 | 84.80 | 85.02 | 84.35 | |
| Profit Margin | -99.54 | -61.56 | -4.80 | 72.05 | 11.16 | 18.23 | 20.67 | 21.15 | 20.13 | 30.04 | 28.94 | 18.51 | 38.35 | 34.35 | 26.76 | |
| Operating Margin | -77.82 | -64.93 | -4.81 | 71.75 | 73.34 | 75.63 | 75.70 | 77.56 | 76.52 | 52.11 | 39.27 | 24.00 | 49.89 | 56.34 | 42.27 | |
|
EPS Growth
|
-114.22 | 69.53 | 93.32 | 1,383.33 | -86.87 | 47.25 | 21.64 | 16.56 | 15.26 | 66.21 | -3.85 | -34.00 | 114.29 | 0.81 | -30.26 | |
| EPS USD | -2,652.00 | -808.00 | -54.00 | 693.00 | 91.00 | 134.00 | 163.00 | 190.00 | 219.00 | 364.00 | 350.00 | 231.00 | 495.00 | 499.00 | 348.00 | |
| Return on Assets (ROA) | -4.30 | -2.63 | -0.22 | 3.11 | 0.45 | 0.72 | 0.79 | 0.82 | 0.88 | 1.31 | 1.17 | 0.69 | 1.33 | 1.27 | 0.91 | |
| Return on Equity (ROE) | -49.24 | -26.37 | -2.14 | 23.33 | 4.02 | 6.42 | 7.54 | 8.43 | 9.30 | 13.67 | 11.41 | 7.24 | 14.36 | 16.93 | 10.62 | |
| Return on Invested Capital (ROIC) | -21.07 | -15.44 | -1.48 | 414.92 | 9.86 | 10.09 | 10.06 | 10.95 | 12.19 | 10.69 | 6.37 | 5.87 | 11.70 | 10.63 | 9.23 | |
| Solvency | ||||||||||||||||
| Equity Ratio | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | |
| Debt/Assets | 5.33 | 7.67 | 5.02 | 6.45 | 7.76 | 7.91 | 7.60 | 7.71 | 6.30 | 7.06 | 8.11 | 2.23 | 2.10 | 7.89 | 3.55 | |
| Debt/Equity | 61.04 | 76.97 | 48.27 | 48.32 | 68.94 | 70.38 | 72.89 | 79.26 | 66.43 | 73.63 | 79.07 | 23.45 | 22.74 | 105.30 | 41.51 | |
| Debt/EBITDA | 68.13 | 400.13 | -352.71 | -166.74 | 207.69 | 197.39 | 182.14 | 213.90 | 121.02 | 147.47 | 360.23 | -591.43 | -151.05 | 211.36 | -10.73 | |
|
Debt/Capitalization
|
37.90 | 43.49 | 32.55 | 32.58 | 40.81 | 41.31 | 42.16 | 44.21 | 39.92 | 42.41 | 44.16 | 18.99 | 18.53 | 51.29 | 29.33 | |
| Long-Term Debt/Capitalization | 37.90 | 37.62 | 32.55 | 32.58 | 40.81 | 41.31 | 42.16 | 42.46 | 36.55 | 34.59 | 30.36 | 18.90 | 18.52 | 47.87 | 26.27 | |
| Interest Debt per Share USD | 42.33 | 27.03 | 14.11 | 16.70 | 16.88 | 16.24 | 17.41 | 19.65 | 17.39 | 21.28 | 28.27 | 10.19 | 9.01 | 34.34 | 22.99 | |
| Debt Growth | -16.12 | 3.23 | -24.52 | 26.51 | 17.76 | 5.27 | 2.18 | -1.19 | -21.04 | 35.23 | 69.36 | -69.03 | -0.48 | 291.31 | -54.91 | |
| Liquidity | ||||||||||||||||
| Current Ratio | - - | 5,217.83 | - - | - - | - - | - - | - - | 134.24 | 129.79 | 4,319.72 | 463.26 | 160,467.77 | 7,156,395.43 | 85.72 | 23.83 | |
| Quick Ratio | - - | 1,392.08 | - - | - - | - - | - - | - - | 24.70 | 24.55 | 816.03 | 463.26 | 160,467.77 | 7,156,395.43 | 1,990.69 | 55.41 | |
| Cash Ratio | - - | 702.96 | - - | - - | - - | - - | - - | 4.88 | 4.31 | 173.81 | 63.29 | 53,636.57 | 1,491,099.49 | 321.42 | 10.53 | |
| Operating Cash Flow Ratio | - - | 100 | - - | - - | - - | - - | - - | - - | - - | - - | - - | 200 | 403,000 | 100 | - - | |
| Turnover | ||||||||||||||||
| Inventory Turnover | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | -9.68 | -6.75 | -9.09 | -83.91 | -26.29 | |
| Receivables Turnover | - - | - - | - - | 1,253.33 | 1,080.13 | 1,223.72 | 1,288.16 | 1,164.09 | 803.93 | 779.99 | 829.26 | 716.75 | 818.40 | 559.97 | 406.86 | |
| Payables Turnover | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | |
|
Asset Turnover
|
4.32 | 4.27 | 4.65 | 4.32 | 4.05 | 3.96 | 3.80 | 3.88 | 4.38 | 4.37 | 4.04 | 3.71 | 3.46 | 3.69 | 3.40 | |
| Fixed Turnover | 244.60 | 235.70 | 259.62 | 241.29 | 226.47 | 235.26 | 245.71 | 279.43 | 320.66 | 328.38 | 394.40 | 435.22 | 486.94 | 595.26 | 242.18 | |
| Coverage | ||||||||||||||||
| Interest Coverage | -219.33 | -246.41 | -27.96 | 553.39 | 655.37 | 740.38 | 697.84 | 731.92 | 752.45 | 379.42 | 168.20 | 166.13 | 821.75 | 445.72 | 69.60 | |
| Asset Coverage | 1,800 | 1,600 | 1,900 | 1,500 | 1,200 | 1,200 | 1,300 | 500 | 600 | 1,400 | 1,200 | 4,400 | 4,700 | 1,200 | 1,700 | |
| Cash Flow Coverage (CFGR) | 24.73 | 40.01 | 47.31 | 27.35 | 29.73 | 18.08 | 20.46 | 20.16 | 32.61 | 23.32 | 15.89 | 1.41 | 65.92 | 25.28 | 44.11 | |
| EBITDA Coverage | -200 | -100 | - - | 100 | 300 | 400 | 400 | 400 | 400 | 400 | 100 | 100 | 900 | 400 | 200 | |
| Dividend Coverage | 1,900 | 1,000 | - - | -1,000 | -100 | -300 | -300 | -300 | -400 | -300 | -300 | -100 | -300 | -300 | -200 | |
| Time Interest Earned (TIE) | - - | 2,500 | - - | -300 | 2,400 | 3,700 | 3,700 | 4,000 | 4,800 | -100 | -100 | -100 | -100 | 1,200 | 100 | |
| Market Prospects | ||||||||||||||||
| Dividend Yield | 9.62 | 4.09 | 7.21 | 4.14 | 2.27 | 1.41 | 1.53 | 1.36 | 1.12 | 3.19 | 3.07 | 4.68 | 3.24 | 4.20 | 4.58 | |
| Earnings Yield | -184.83 | -43.71 | -5.48 | 43.27 | 3.69 | 5.20 | 5.27 | 4.83 | 4.74 | 11.39 | 9.32 | 7.83 | 10.80 | 13.89 | 9.88 | |
|
Price/Earnings (P/E)
|
-54.11 | -228.78 | -1,826.39 | 231.13 | 2,710.06 | 1,921.56 | 1,896.59 | 2,070.60 | 2,108.55 | 878.33 | 1,073.07 | 1,276.93 | 925.60 | 720.20 | 1,011.80 | |
| Price/Earnings Growth (PEG) | -0.47 | 3.29 | 19.57 | -0.17 | -31.20 | 40.67 | 87.64 | 125.00 | 138.15 | 13.27 | -279.00 | -37.56 | 8.10 | 891.25 | -33.44 | |
|
Price/Book (P/B)
|
26.64 | 60.34 | 39.16 | 53.93 | 108.95 | 123.36 | 142.92 | 174.52 | 196.13 | 120.10 | 122.42 | 92.45 | 132.89 | 121.95 | 107.45 | |
| Price/Tangible Book (P/TB) | 26.64 | 60.34 | 39.16 | 53.93 | 108.95 | 123.36 | 142.92 | 174.52 | 196.13 | 120.10 | 122.42 | 92.45 | 132.89 | 121.95 | 107.45 | |
| Price/Sales (P/S) | 53.86 | 140.83 | 87.59 | 166.52 | 302.58 | 350.31 | 392.02 | 438.02 | 424.40 | 263.88 | 310.55 | 236.32 | 354.96 | 247.41 | 270.78 | |
|
Price/Cash Flow (P/CF)
|
176.49 | 195.95 | 171.48 | 408.12 | 531.47 | 969.60 | 958.09 | 1,092.40 | 905.28 | 699.45 | 974.12 | 28,016.81 | 886.49 | 458.12 | 586.89 | |
| Price/Free CF (P/FCF) | 191.88 | 200.57 | 175.82 | 436.29 | 560.75 | 1,092.47 | 1,022.96 | 1,178.89 | 983.63 | 776.14 | 1,080.62 | -36,509.74 | 916.44 | 469.99 | 607.77 | |
| Price/Operating CF (P/OCF) | 176.49 | 195.95 | 171.48 | 408.12 | 531.47 | 969.60 | 958.09 | 1,092.40 | 905.28 | 699.45 | 974.12 | 28,016.81 | 886.49 | 458.12 | 586.89 |