NYSE
RNST
Last Price
US $43.66
KEY FIGURES
MKT CAP
$4.0B
EPS
TTM
$2.43
PEG
TTM
N/M
P/E
TTM
17.91x
P/S
TTM
2.77x
YIELD
2.12%
GROWTH
Revenue Y/Y
Profit margin
Current Ratio
Capital Returns
5.94%
Return on equity
ROIC: 0.84%
Valuation History
17.9X
Price to Earnings
EV/EBITDA: 12.2X
Cash flow
Profit margin
14.57%
(FY vs FY)
EBITDA Y/Y
11.96%
(FY vs FY)
Cash flow Y/Y
34.52%
(FY vs FY)
Cash Flow (DCF)
Fair Value
Market $43.66
3.05%
Default assumptions
EBITDA Multiple
Fair Value
Market $43.66
-58.25%
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.
Valuation
Financial
Performance
Financial stability - Cash flow debt coverage.
Renasant Corporation cash flow to debt ratio of 25.72% indicates that the company generates enough cash to cover its debts. This level indicates strong financial health.
Financial stability - Healthy cash flow growth.
Renasant Corporation's free cash flow has increased 105.35% from $115.78M last year to $237.75M, signaling increasing performance
Financial stability - Healthy debt to equity ratio.
Renasant Corporation's debt to equity ratio is 0.21, 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 risk - Healthy debt to equity ratio development.
Renasant Corporation's debt has increased relative to shareholder equity from 0.20 last year to 0.21 today, signaling weakened financials
Financial stability - Net debt/EBITDA.
Renasant 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.
Renasant Corporation earns at least as much interest as it pays. Interest obligations are fully covered.
Financial risk - Profit margin growth.
Renasant Corporation's profit margin has decreased (-18.01%) in the last year from 18.83% to 15.44%, signaling decreasing performance
Financial stability - Short term assets vs short term liabilities.
Renasant Corporation's short-term assets of $1.07G exceed its short-term liabilities of $555.77M
Decreasing performance - ROA.
Renasant Corporation's return on assets of 0.84% is lower than the 5.00% threshold, indicating inefficient asset utilization
Decreasing performance - Absolute return on equity.
Renasant Corporation's return on equity of 5.94%, is lower than 15.00%, indicating bad performance
Increasing performance - Earnings quality.
Renasant Corporation's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation
Increasing performance - Earnings stability.
Renasant Corporation had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
Renasant Corporation has positive free cash flow, indicating the company generates cash after capital expenditures
Increasing performance - FCF yield.
Renasant Corporation has a free cash flow yield of 5.94%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Decreasing performance - Healthy earnings growth.
Renasant Corporation's yearly earnings has decreased -7.26% since last year from $195.46M to $181.27M, signaling decreasing performance
Increasing performance - Healthy revenue growth.
Renasant Corporation's yearly revenue has increased 29.57% since last year from $1.04G to $1.35G, signaling increasing performance
Decreasing performance - ROIC.
ROIC 0.84% (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.
Renasant Corporation's 3-year revenue CAGR of 27.85% is positive, indicating growing revenue over the past 3 years
Increasing performance - Revenue consistency.
Renasant Corporation had revenue growth in 3.00 out of 5 years, indicating consistent revenue performance
Increasing performance - ROE consistency.
Renasant Corporation had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity
Undervalued - DCF valuation.
Renasant Corporation is undervalued relative to its fair value price of 44.99 based on Discounted Cash Flow model
Undervalued - Earnings yield.
Renasant Corporation has an earnings yield of 5.61%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Overvalued - EBITDA valuation.
Renasant Corporation is overvalued relative to its fair value price of 18.23 based on EBITDA multiple model
Undervalued - EV/EBITDA.
Renasant Corporation has an EV/EBITDA ratio of 12.24x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Overvalued - PEG ratio value.
Renasant Corporation has negative trailing-twelve-month earnings; this ratio is not meaningful and the check fails
Undervalued - P/B ratio.
Renasant Corporation has a price-to-book ratio of 1.05x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
Renasant Corporation has a price-to-sales ratio of 2.71x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue