Synovus Financial Corp.
Financial ratios & Valuation

Forward Multiples (2025 – 2026)

20252026
Price/Earnings ratio
11.069.85
Price/Sales ratio
3.052.89
Earnings per Share (EPS)
$4.47$5.02

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
19.2118.9620.7021.088.7810.7312.769.257.2010.1120.228.78
Price/Sales ratio
3.503.924.384.242.633.102.363.542.472.702.812.63
Price/Book Value ratio
1.231.421.741.961.201.220.921.321.211.071.361.20
Price/Cash Flow ratio
9.699.5810.929.056.999.74280.168.864.584.288.266.99
Price/Free Cash Flow ratio
10.9210.2211.789.837.7610.80-365.099.164.694.398.287.76
Price/Earnings Growth ratio
0.400.871.251.380.13-2.78-0.370.088.91-0.3373.300.13
Dividend Yield
1.41%1.52%1.36%1.11%3.19%3.06%4.67%3.23%4.20%4.58%2.96%3.06%
Profitability Indicator Ratios
Gross Profit Margin
91.39%91.64%92.17%93.50%93.62%92.72%84.64%84.79%85.01%84.36%87.22%92.72%
Operating Profit Margin
75.63%75.69%77.56%76.52%52.11%39.26%24.00%49.89%56.34%49.06%21.46%39.26%
Pretax Profit Margin
28.25%32.78%33.29%35.08%38.37%39.26%24.00%49.89%43.70%34.22%17.76%39.26%
Net Profit Margin
18.23%20.66%21.15%20.12%30.04%28.94%18.50%38.34%34.35%26.72%14.09%28.94%
Effective Tax Rate
35.46%36.94%36.46%42.62%21.71%26.30%22.89%23.13%21.39%22.12%21.28%26.30%
Return on Assets
0.72%0.78%0.81%0.88%1.31%1.16%0.68%1.32%1.26%0.90%0.60%1.16%
Return On Equity
6.41%7.53%8.42%9.30%13.67%11.40%7.24%14.35%16.93%10.61%7.05%11.40%
Return on Capital Employed
2.99%2.87%8.34%9.80%2.32%1.64%0.89%1.72%2.10%1.66%1.80%1.80%
Liquidity Ratios
Current Ratio
0.150.160.150.160.180.19N/AN/AN/AN/A0.380.18
Quick Ratio
N/AN/A1.341.2943.195.462.19K88.39K1.51N/A0.385.46
Cash ratio
N/AN/A0.040.041.730.63536.3614.91K3.21N/A0.060.63
Days of Sales Outstanding
29.8228.3331.3545.4046.79N/AN/AN/A65.18N/AN/AN/A
Days of Inventory outstanding
N/AN/AN/AN/AN/A-3.76K-5.40K-4.01K-434.98N/AN/AN/A
Operating Cycle
29.8228.3331.3545.4046.79-3.76K-5.40K-4.01K-369.80N/AN/AN/A
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Cash Conversion Cycle
29.8228.3331.3545.4046.79-3.76K-5.40K-4.01K-369.80N/AN/AN/A
Debt Ratios
Debt Ratio
0.070.070.070.050.070.080.020.020.070.020.030.08
Debt Equity Ratio
0.700.720.730.600.730.790.230.221.050.240.370.79
Long-term Debt to Capitalization
0.410.420.420.360.340.300.180.180.470.190.270.30
Total Debt to Capitalization
0.410.420.420.370.420.440.180.180.510.190.270.44
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A0.48N/A
Cash Flow to Debt Ratio
0.180.200.210.350.230.150.010.650.251.040.430.23
Company Equity Multiplier
8.899.5910.2810.5410.429.7510.5310.8213.3411.6811.1210.42
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.360.400.400.460.370.310.000.400.540.630.340.31
Free Cash Flow / Operating Cash Flow Ratio
0.880.930.920.920.900.90-0.760.960.970.970.980.90
Cash Flow Coverage Ratio
0.180.200.210.350.230.150.010.650.251.040.430.23
Short Term Coverage Ratio
N/AN/AN/A6.410.820.352.20N/A1.98N/AN/A0.35
Dividend Payout Ratio
27.16%29.01%28.22%23.56%28.05%32.93%59.70%29.96%30.25%46.35%71.91%28.05%