Regions Financial Corporation Financial Ratios — RF-PE Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	- -	- -	- -	- -	- -	- -	103.41	75.69	45.55	26.28	51.39	34.13	25.98	20.55	21.38
Return on Assets (%)	-0.17	0.9	0.91	0.97	0.86	0.92	1.01	1.41	1.26	0.8	1.62	1.41	1.35	1.22	1.36
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	12.8	13.64	12.04	10.02	9.67	10.42	9.66	8.02	7.29	6.71	5.76	4.93	3.12	2.03	1.12
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	3.02	31.6	31.07	32.23	28.3	30.21	33.45	33.95	33.96	20.94	49.95	40.14	34.41	33.23	36.45
Profit Margin (%)	-4.03	21.3	20.36	21.98	19.64	21.11	22.72	30.54	27.07	17.43	39.17	31.33	27.38	26.73	28.65
Net Income to Common Margin (%)	-8.04	18.85	19.76	20.99	18.46	19.95	21.56	29.43	25.71	15.79	37.29	29.95	26.08	25.05	27.39
Effective Tax Rate (%)	- -	29.02	33.69	32.58	29.74	30.65	33.28	19.8	20.3	16.74	21.59	21.94	20.44	19.58	21.4
Dvd Payout Ratio (%)	-48	-2.57	12.87	22.83	30.07	29.08	29.4	30.05	38.39	60.04	24.79	30.89	39.83	49.32	44.06
Sustainable Growth Rate (%)	- -	- -	- -	- -	- -	- -	73.01	52.94	28.06	10.5	38.65	23.59	15.63	10.41	11.96

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	8,844	5,986	4,830	3,962	8,359	7,763	8,632	14,024	9,929	3,569	2,407	2,284	2,330	6,493	4,884
ST Debt	734	125	- -	500	10	- -	500	1,600	2,050	- -	- -	- -	- -	500	750
LT Debt	8,110	5,861	4,830	3,462	8,349	7,763	8,132	12,424	7,879	3,569	2,407	2,284	2,330	5,993	4,134
Total Debt/EBITDA	12.95	8.35	7.49	7.58	15.98	13.52	16.07	30.35	23.31	8.48	6.49	6.47	9.87	45.09	58.14
Net Debt/EBITDA	2.63	0.69	-0.69	0.11	5.82	4.05	8.79	22.7	13.65	-34.17	-72.79	-25.33	-18.94	-29.3	-71.7
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	-3.39	-2.74	-1.88	-0.97	-0.08	0.54	1.32	2.26	2.98	2.56	3.41	4.52	5.39	5.77	6.43
Long-Term Debt/Equity (%)	49.15	37.82	30.63	20.52	49.57	46.59	50.22	82.33	48.35	19.71	13.13	14.32	13.32	33.46	21.64
Long-Term Debt/Capital (%)	101.96	186.36	156.92	94	91.98	83.82	73.31	70.26	52.53	39.63	25.01	20.84	19.02	34.63	25.01
Long-Term Debt/Total Assets (%)	6.38	4.83	4.11	2.9	6.62	6.16	6.54	9.88	6.24	2.42	1.48	1.47	1.53	3.81	2.6
Total Debt/Equity (%)	53.6	38.62	30.63	23.48	49.63	46.59	53.31	92.94	60.93	19.71	13.13	14.32	13.32	36.25	25.57
Total Debt/Capital (%)	111.19	190.33	156.92	107.58	92.09	83.82	77.82	79.31	66.19	39.63	25.01	20.84	19.02	37.51	29.55
Total Debt/Total Assets (%)	6.96	4.93	4.11	3.31	6.63	6.16	6.94	11.16	7.87	2.42	1.48	1.47	1.53	4.13	3.08
Net Debt to Equity	10.9	3.21	-2.81	0.34	18.08	13.96	29.16	69.49	35.69	-79.44	-147.35	-56.07	-25.56	-23.56	-31.53
Net Debt/Capital (%)	197.91	-21.2	20.18	-26.24	80.92	60.82	65.74	74.13	53.42	160.73	136.49	3,362.03	-82.07	-63.96	-107.17
EBITDA	683	717	645	523	523	574	537	462	426	421	371	353	236	144	84
EBITDA-CapEx	482	537	431	260	150	510	346	391	402	362	299	65	79	-2	54
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	-3.39	-2.74	-1.88	-0.97	-0.08	0.54	1.32	2.26	2.98	2.56	3.41	4.52	5.39	5.77	6.43
Long-Term Debt/Equity (%)	49.15	37.82	30.63	20.52	49.57	46.59	50.22	82.33	48.35	19.71	13.13	14.32	13.32	33.46	21.64
Long-Term Debt/Capital (%)	101.96	186.36	156.92	94	91.98	83.82	73.31	70.26	52.53	39.63	25.01	20.84	19.02	34.63	25.01
Long-Term Debt/Total Assets (%)	6.38	4.83	4.11	2.9	6.62	6.16	6.54	9.88	6.24	2.42	1.48	1.47	1.53	3.81	2.6
Total Debt/Equity (%)	53.6	38.62	30.63	23.48	49.63	46.59	53.31	92.94	60.93	19.71	13.13	14.32	13.32	36.25	25.57
Total Debt/Capital (%)	111.19	190.33	156.92	107.58	92.09	83.82	77.82	79.31	66.19	39.63	25.01	20.84	19.02	37.51	29.55
Total Debt/Total Assets (%)	6.96	4.93	4.11	3.31	6.63	6.16	6.94	11.16	7.87	2.42	1.48	1.47	1.53	4.13	3.08
CFO/Total Liabilities	4.3	2.31	3.69	2.05	1.46	1.86	2.12	2.06	2.35	1.8	2.1	2.23	1.71	1.15	1.56
CFO/CapEx	23.65	13.56	17.5	8.01	4.29	31.83	12.03	32.04	107.54	39.39	42.08	10.77	14.7	10.95	72.7
Altman's Z-Score	-0.01	0.01	0.02	0.03	0.04	0.05	0.07	0.08	0.09	0.08	0.09	0.11	0.13	0.13	0.14

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	13.64	14.91	16.31	16.75	17.19	17.27	16.95	16.18	15.86	17.73	19.36	17.27	13.47	11.94	13.17
Days Sales Outstanding	26.75	24.47	22.37	21.79	21.23	21.14	21.53	22.56	23.01	20.59	18.86	21.14	27.1	30.56	27.72
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Cash & Cash Equivalents	7,045	5,489	5,273	3,904	5,314	5,436	3,911	3,538	4,114	17,956	29,411	11,227	6,801	10,712	10,907
+ Preferred Equity and Hybrid Capital	3,419	482	450	884	820	820	820	820	1,310	1,656	1,659	1,659	1,659	1,715	1,369
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	4	64	31	60
+ Total Debt	8,844	5,986	4,830	3,962	8,359	7,763	8,632	14,024	9,929	3,569	2,407	2,284	2,330	6,493	4,884
Enterprise Value	-19,253	-26,265	-21,478	-21,111	-18,845	-20,634	-17,862	-11,423	-15,481	-39,885	-53,826	-35,213	-30,852	-28,697	-29,183
Total Capital	7,954	3,145	3,078	3,683	9,077	9,262	11,092	17,683	15,000	9,005	9,626	10,961	12,249	17,308	16,527
Total Debt/Capital (%)	111.19	190.33	156.92	107.58	92.09	83.82	77.82	79.31	66.19	39.63	25.01	20.84	19.02	37.51	29.55
Total Debt / EV	-0.46	-0.23	-0.22	-0.19	-0.44	-0.38	-0.48	-1.23	-0.64	-0.09	-0.04	-0.06	-0.08	-0.23	-0.17
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	5,218	979	7	942	3,865	3,147	5,541	11,306	7,125	-12,731	-25,345	-7,280	-2,748	-2,473	-4,594
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	5,335	5,257	5,359	5,218	5,406	5,509	5,560	5,759	5,845	6,275	6,436	7,165	7,576	7,083	7,526
TTM EBITDA	683	717	645	523	523	574	537	462	426	421	371	353	236	144	84
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	4,753	2,441	3,745	2,107	1,599	2,037	2,297	2,275	2,581	2,324	3,030	3,102	2,308	1,598	2,181
TTM Free Cash Flow to Firm	4,954	2,621	3,959	2,370	1,972	2,101	2,488	2,346	2,605	2,383	3,102	3,390	2,465	1,744	2,211

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-19,253	-26,265	-21,478	-21,111	-18,845	-20,634	-17,862	-11,423	-15,481	-39,885	-53,826	-35,213	-30,852	-28,697	-29,183
Low Price	2.82	4.21	7.13	8.85	8.54	7	13	12.39	13.11	6.94	15.72	17.12	14.16	16.97	16.42
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales Average	0.98	0.19	- -	0.18	0.71	0.57	1	1.96	1.22	- -	- -	- -	- -	- -	- -
EV/Sales High	0.98	0.19	- -	0.18	0.71	0.57	1	1.96	1.22	- -	- -	- -	- -	- -	- -
EV/Sales Low	0.98	0.19	- -	0.18	0.71	0.57	1	1.96	1.22	- -	- -	- -	- -	- -	- -
EV/EBITDA Average	7.64	1.37	0.01	1.8	7.39	5.48	10.32	24.47	16.73	-30.24	-68.32	-20.62	-11.64	-17.17	-54.69
EV/EBITDA High	7.64	1.37	0.01	1.8	7.39	5.48	10.32	24.47	16.73	-30.24	-68.32	-20.62	-11.64	-17.17	-54.69
EV/EBITDA Low	7.64	1.37	0.01	1.8	7.39	5.48	10.32	24.47	16.73	-30.24	-68.32	-20.62	-11.64	-17.17	-54.69
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	3.06	5.1	7.16	7.77	7.24	11.1	13.65	10.84	14.45	14.22	21.21	15.41	16.3	17.77	17.25
High Price	8.09	7.73	10.52	11.54	10.87	14.73	17.58	20.21	17.54	17.3	26.45	25.34	20.3	19.98	19.02
Enterprise Value Average	5,218	979	7	942	3,865	3,147	5,541	11,306	7,125	-12,731	-25,345	-7,280	-2,748	-2,473	-4,594
Enterprise Value High	5,218	979	7	942	3,865	3,147	5,541	11,306	7,125	-12,731	-25,345	-7,280	-2,748	-2,473	-4,594
Enterprise Value Low	5,218	979	7	942	3,865	3,147	5,541	11,306	7,125	-12,731	-25,345	-7,280	-2,748	-2,473	-4,594

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	1,259	1,413	1,378	1,354	1,297	1,215	1,134	1,028	957	960	942	934	922	908	867
Diluted Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Revenue per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS from Cont Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted EPS, GAAP	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted EPS from Cont Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow per Basic Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash & Equivalents per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Book Value per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Tangible Book Value per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Regions Financial Corporation

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)