NYSE
RF
Last Price
US $30.80
KEY FIGURES
MKT CAP
$25.7B
EPS
TTM
$2.58
PEG
TTM
0.74x
P/E
TTM
12.37x
P/S
TTM
2.67x
YIELD
3.53%
GROWTH
Revenue Y/Y
Profit margin
Current Ratio
Capital Returns
11.78%
Return on equity
ROIC: 1.38%
Valuation History
12.4X
Price to Earnings
EV/EBITDA: 9.8X
Cash flow
Profit margin
7.66%
(FY vs FY)
EBITDA Y/Y
10.08%
(FY vs FY)
Cash flow Y/Y
-1.03%
(FY vs FY)
Cash Flow (DCF)
Fair Value
Market $30.80
16.85%
Default assumptions
EBITDA Multiple
Fair Value
Market $30.80
-2.47%
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.
Valuation
Financial
Performance
Financial stability - Cash flow debt coverage.
Regions Financial Corporation cash flow to debt ratio of 44.66% indicates that the company generates enough cash to cover its debts. This level indicates strong financial health.
Financial stability - Healthy cash flow growth.
Regions Financial Corporation's free cash flow has increased 48.14% from $1.45G last year to $2.15G, signaling increasing performance
Financial stability - Healthy debt to equity ratio.
Regions Financial Corporation's debt to equity ratio is 0.34, which means that the company's assets are healthy financed, signaling financial stability. READ MORE: A ratio under 0.60 means the company finances its assets with own equity, signaling financial stability and good management.
Financial stability - Healthy debt to equity ratio development.
Regions Financial Corporation's debt has decreased relative to shareholder equity from 0.36 last year to 0.34 today, signaling strengthened financials
Financial stability - Net debt/EBITDA.
Regions Financial Corporation has a net debt to EBITDA ratio of 0.00x, which is below the 3.00x threshold, indicating healthy leverage and financial stability
Financial stability - ICR.
Regions Financial Corporation earns at least as much interest as it pays. Interest obligations are fully covered.
Financial stability - Profit margin growth.
Regions Financial Corporation's profit margin has increased (14.52%) in the last year from 20.20% to 23.13%, signaling increasing performance
Financial risk - Short term assets vs short term liabilities.
Regions Financial Corporation's short-term liabilities of $131.88G exceed its short-term assets of $39.55G, signaling financial risk
Decreasing performance - ROA.
Regions Financial Corporation's return on assets of 1.38% is lower than the 5.00% threshold, indicating inefficient asset utilization
Decreasing performance - Absolute return on equity.
Regions Financial Corporation's return on equity of 11.78%, is lower than 15.00%, indicating bad performance
Increasing performance - Earnings quality.
Regions Financial Corporation's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation
Increasing performance - Earnings stability.
Regions Financial Corporation had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
Regions Financial Corporation has positive free cash flow, indicating the company generates cash after capital expenditures
Increasing performance - FCF yield.
Regions Financial Corporation has a free cash flow yield of 8.39%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Increasing performance - Healthy earnings growth.
Regions Financial Corporation's yearly earnings has increased 13.89% since last year from $1.89G to $2.16G, signaling increasing performance
Increasing performance - Healthy revenue growth.
Regions Financial Corporation's yearly revenue has increased 2.51% since last year from $9.37G to $9.61G, signaling increasing performance
Decreasing performance - ROIC.
ROIC 1.38% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.
Increasing performance - 3-year revenue CAGR.
Regions Financial Corporation's 3-year revenue CAGR of 8.70% is positive, indicating growing revenue over the past 3 years
Increasing performance - Revenue consistency.
Regions Financial Corporation had revenue growth in 4.00 out of 5 years, indicating consistent revenue performance
Increasing performance - ROE consistency.
Regions Financial Corporation had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity
Undervalued - DCF valuation.
Regions Financial Corporation is undervalued relative to its fair value price of 35.99 based on Discounted Cash Flow model
Undervalued - Earnings yield.
Regions Financial Corporation has an earnings yield of 8.58%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Overvalued - EBITDA valuation.
Regions Financial Corporation is overvalued relative to its fair value price of 30.04 based on EBITDA multiple model
Undervalued - EV/EBITDA.
Regions Financial Corporation has an EV/EBITDA ratio of 9.77x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Undervalued - PEG ratio value.
Regions Financial Corporation has a PEG-ratio under 1 which is considered undervalued
Undervalued - P/B ratio.
Regions Financial Corporation has a price-to-book ratio of 1.38x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
Regions Financial Corporation has a price-to-sales ratio of 2.67x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue