Renasant
Financial ratios & Valuation

Forward Multiples (2025 – 2025)

2025
Price/Earnings ratio
13.54
Price/Sales ratio
2.99
Earnings per Share (EPS)
$2.76

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
15.2918.1919.3720.7910.7812.2422.6512.1012.6513.0612.2510.78
Price/Sales ratio
3.213.534.024.082.933.442.873.273.332.993.082.93
Price/Book Value ratio
1.281.181.421.260.770.960.880.960.980.820.820.77
Price/Cash Flow ratio
7.304.8910.759.5020.4612.5623.0414.923.6612.7215.9015.90
Price/Free Cash Flow ratio
8.895.4411.7210.1628.7715.9835.1117.433.7514.8917.1615.98
Price/Earnings Growth ratio
0.28N/A1.26-2.150.253.80-0.460.10-2.47-0.99-2.653.80
Dividend Yield
2.36%1.98%1.68%1.79%2.75%2.47%2.64%2.34%2.37%2.65%2.45%2.47%
Profitability Indicator Ratios
Gross Profit Margin
100%99.88%100%100%100%100%100%100%100%126.20%100%100%
Operating Profit Margin
39.59%34.65%36.57%41.79%46.99%36.17%15.67%34.22%43.10%31.01%17.26%36.17%
Pretax Profit Margin
30.32%28.50%30.98%34.08%34.90%36.17%15.67%34.22%33.51%28.04%30.84%36.17%
Net Profit Margin
21.03%19.43%20.74%19.65%27.18%28.11%12.66%27.01%26.33%22.90%24.28%28.11%
Effective Tax Rate
30.62%31.82%33.02%42.33%22.11%22.30%19.17%21.06%21.40%18.34%21.26%22.30%
Return on Assets
1.02%0.85%1.04%0.93%1.13%1.25%0.56%1.04%0.97%0.83%0.99%1.25%
Return On Equity
8.37%6.51%7.37%6.08%7.18%7.89%3.92%7.95%7.77%6.29%7.42%7.18%
Return on Capital Employed
1.94%1.60%1.86%2.01%2.02%1.67%0.69%1.32%1.67%1.14%0.71%1.67%
Liquidity Ratios
Current Ratio
0.010.020.020.020.010.018.26N/AN/AN/A30.580.01
Quick Ratio
136.1015.4469.69100.0027.494.61128.89449.052.423.6730.5827.49
Cash ratio
4.980.523.063.391.490.8629.67134.650.802.6011.731.49
Days of Sales Outstanding
13.4337.5141.0244.6343.8952.3643.3342.68N/A65.5749.8843.89
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Operating Cycle
N/A37.51N/AN/AN/AN/AN/AN/AN/A65.5749.88N/A
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Cash Conversion Cycle
N/A37.51N/AN/AN/AN/AN/AN/AN/A65.5749.88N/A
Debt Ratios
Debt Ratio
0.030.060.020.020.040.060.030.020.060.040.030.06
Debt Equity Ratio
0.250.520.150.190.310.400.220.210.520.310.200.40
Long-term Debt to Capitalization
0.180.120.070.120.110.150.180.170.160.150.140.11
Total Debt to Capitalization
0.200.340.130.160.230.280.180.180.340.240.160.28
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/A1.45N/AN/AN/A0.34N/A
Cash Flow to Debt Ratio
0.680.460.830.690.120.190.170.290.500.200.250.12
Company Equity Multiplier
8.157.597.056.486.326.307.007.607.957.556.756.32
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.440.720.370.420.140.270.120.210.910.230.180.14
Free Cash Flow / Operating Cash Flow Ratio
0.820.900.910.930.710.780.650.850.970.850.960.71
Cash Flow Coverage Ratio
0.680.460.830.690.120.190.170.290.500.200.250.12
Short Term Coverage Ratio
4.740.631.632.420.200.34N/A10.220.820.491.260.20
Dividend Payout Ratio
36.11%36.10%32.69%37.33%29.68%30.31%59.93%28.43%30.10%34.75%29.12%30.31%