Synovus Financial Corp. Financial Ratios — SNV-PD Stock

Profitability (USD)

	2010 Y	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
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Return on Common Equity (%)	- -	- -	- -	44.36	235.6	91.77	58.45	44.93	49.04	48.68	26.38	45.1	33.83	19.94	15.71
Return on Assets (%)	-2.51	-0.21	3.08	0.6	0.73	0.81	0.84	0.9	1.34	1.39	0.73	1.36	1.3	0.91	0.8
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 (%)	3.6	3.78	5.57	5.58	5.12	5.19	4.97	4.32	3.86	0.41	3.45	5.73	3.14	4.34	3.05
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	-65.9	-4.73	2.72	23.78	28.21	32.78	33.13	35.08	38.32	39.2	24	49.89	43.82	32.36	30.55
Profit Margin (%)	-61.36	-4.81	71.75	15.01	18.2	20.67	21.05	20.13	29.99	28.89	18.51	38.35	34.45	25.27	24.36
Net Income to Common Margin (%)	-65.82	-9.42	66.68	11.16	17.25	19.73	20.18	19.38	28.73	27.71	16.86	36.68	32.94	23.6	22.19
Effective Tax Rate (%)	- -	- -	- -	36.91	35.47	36.95	36.47	42.63	21.72	26.3	22.9	23.14	21.39	22.12	20.75
Dvd Payout Ratio (%)	-1.84	-18.23	2.74	27.05	23.14	25.65	25.12	20.61	24.9	30.09	55.79	26.77	27.06	42.82	50.27
Sustainable Growth Rate (%)	- -	- -	- -	32.36	181.09	68.23	43.77	35.67	36.83	34.03	11.67	33.03	24.68	11.4	7.81

Credit (USD)

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	2010 Y	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
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Total Debt	1,808	1,365	1,726	2,033	2,139	2,187	2,161	1,706	2,307	3,906	1,202	1,204	1,435	1,233	1,733
ST Debt	- -	- -	- -	- -	- -	- -	- -	100	650	1,752	- -	- -	600	- -	- -
LT Debt	1,808	1,365	1,726	2,033	2,139	2,187	2,161	1,606	1,657	2,154	1,202	1,204	835	1,233	1,733
Total Debt/EBITDA	38.95	28.66	26.81	34.28	38.93	38.54	37.11	28.86	41.82	483.46	17.27	10.61	20.74	13.19	28.69
Net Debt/EBITDA	-36.65	-15.35	-6.43	15.04	16.72	17.11	20.92	13.86	21.31	346.09	-42.18	-15.26	-7.3	-12.64	-20.6
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	-0.58	-0.99	1.99	0.01	0.57	1.1	1.64	2.2	3.02	2.56	2.47	3.28	4.03	4.5	4.83
Long-Term Debt/Equity (%)	59.78	48.27	48.37	68.94	70.34	72.89	73.8	54.23	52.88	43.59	23.3	22.74	18.65	23.96	32.91
Long-Term Debt/Capital (%)	69.64	66.76	53.68	94.07	88.4	83.2	77.71	63.76	47.49	37.93	38.97	33.26	19.07	27.5	33.33
Long-Term Debt/Total Assets (%)	6.01	5.02	6.45	7.76	7.91	7.6	7.18	5.14	5.07	4.47	2.21	2.1	1.4	2.06	2.88
Total Debt/Equity (%)	59.78	48.27	48.37	68.94	70.34	72.89	73.8	57.61	73.63	79.04	23.3	22.74	32.05	23.96	32.91
Total Debt/Capital (%)	69.64	66.76	53.68	94.07	88.4	83.2	77.71	67.73	66.12	68.79	38.97	33.26	32.78	27.5	33.33
Total Debt/Total Assets (%)	6.01	5.02	6.45	7.76	7.91	7.6	7.18	5.46	7.06	8.1	2.21	2.1	2.4	2.06	2.88
Net Debt to Equity	-56.25	-25.85	-11.6	30.25	30.21	32.36	41.61	27.67	37.53	56.58	-56.9	-32.72	-11.28	-22.97	-23.63
Net Debt/Capital (%)	186.35	1,557.73	-38.36	87.24	76.48	68.65	66.22	50.16	49.84	61.2	278.78	-253.67	-20.71	-57.13	-56
EBITDA	46	48	64	59	55	57	58	59	55	8	70	114	69	93	60
EBITDA-CapEx	25	32	34	31	16	28	24	8	2	-53	40	88	69	93	60
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

API ChatGPT

	2010 Y	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
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	-0.58	-0.99	1.99	0.01	0.57	1.1	1.64	2.2	3.02	2.56	2.47	3.28	4.03	4.5	4.83
Long-Term Debt/Equity (%)	59.78	48.27	48.37	68.94	70.34	72.89	73.8	54.23	52.88	43.59	23.3	22.74	18.65	23.96	32.91
Long-Term Debt/Capital (%)	69.64	66.76	53.68	94.07	88.4	83.2	77.71	63.76	47.49	37.93	38.97	33.26	19.07	27.5	33.33
Long-Term Debt/Total Assets (%)	6.01	5.02	6.45	7.76	7.91	7.6	7.18	5.14	5.07	4.47	2.21	2.1	1.4	2.06	2.88
Total Debt/Equity (%)	59.78	48.27	48.37	68.94	70.34	72.89	73.8	57.61	73.63	79.04	23.3	22.74	32.05	23.96	32.91
Total Debt/Capital (%)	69.64	66.76	53.68	94.07	88.4	83.2	77.71	67.73	66.12	68.79	38.97	33.26	32.78	27.5	33.33
Total Debt/Total Assets (%)	6.01	5.02	6.45	7.76	7.91	7.6	7.18	5.46	7.06	8.1	2.21	2.1	2.4	2.06	2.88
CFO/Total Liabilities	3.36	2.65	2.04	2.6	1.61	1.73	1.71	2.23	1.82	1.44	0.03	1.53	2.16	2.35	1.49
CFO/CapEx	42.8	40.5	15.49	21.25	10.01	15.68	13.58	12.35	10.12	10.15	0.57	30.59	- -	- -	- -
Altman's Z-Score	- -	-0.01	0.03	0.03	0.04	0.05	0.06	0.07	0.08	0.07	0.07	0.08	0.09	0.1	0.1

Working Capital (USD)

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	2010 Y	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
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Accounts Receivable Turnover	- -	23.74	11.71	11.19	11.54	12.69	12.67	12.21	10.56	11.1	8.57	8.04	7.27	5.01	3.36
Days Sales Outstanding	- -	15.37	31.17	32.61	31.62	28.77	28.82	29.89	34.58	32.88	42.57	45.38	50.24	72.83	108.72
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)

API ChatGPT

	2010 Y	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
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Cash & Cash Equivalents	3,509	2,091	2,136	1,138	1,219	1,214	941	885	1,130	1,110	4,139	2,937	1,939	2,414	2,978
+ Preferred Equity and Hybrid Capital	937	947	957	126	126	126	126	126	195	537	537	537	537	537	537
+ Minority/Non Controlling Interest	27	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	24	22
+ Total Debt	1,808	1,365	1,726	2,033	2,139	2,187	2,161	1,706	2,307	3,906	1,202	1,204	1,435	1,233	1,733
Enterprise Value	-737	-3,469	-2,434	-2,179	-1,995	-2,489	-2,372	-3,040	-2,619	-3,445	-10,362	-12,114	-9,646	-10,409	-8,237
Total Capital	2,596	2,044	3,216	2,161	2,420	2,628	2,781	2,519	3,489	5,678	3,086	3,621	4,377	4,482	5,200
Total Debt/Capital (%)	69.64	66.76	53.68	94.07	88.4	83.2	77.71	67.73	66.12	68.79	38.97	33.26	32.78	27.5	33.33
Total Debt / EV	-2.45	-0.39	-0.71	-0.93	-1.07	-0.88	-0.91	-0.56	-0.88	-1.13	-0.12	-0.1	-0.15	-0.12	-0.21
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	-737	221	547	1,021	1,047	1,099	1,346	947	1,373	3,333	-2,400	-1,196	32	-620	-686
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	1,289	1,260	1,157	1,062	1,073	1,094	1,172	1,369	1,429	1,952	2,019	1,983	2,200	2,152	1,980
TTM EBITDA	46	48	64	59	55	57	58	59	55	8	70	114	69	93	60
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	911	646	472	605	387	445	466	631	538	621	17	794	1,191	1,283	821
TTM Free Cash Flow to Firm	932	662	503	634	426	473	500	682	591	682	47	820	1,191	1,283	821

Multiples (USD)

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	2010 Y	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
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-737	-3,469	-2,434	-2,179	-1,995	-2,489	-2,372	-3,040	-2,619	-3,445	-10,362	-12,114	-9,646	-10,409	-8,237
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	22.58	23.92	14	25.63	22.36	17.87	24.3
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	- -	0.18	0.47	0.96	0.98	1	1.15	0.69	0.96	1.71	- -	- -	0.01	- -	- -
EV/Sales High	- -	0.18	0.47	0.96	0.98	1	1.15	0.69	0.96	1.71	- -	- -	0.01	- -	- -
EV/Sales Low	- -	0.18	0.47	0.96	0.98	1	1.15	0.69	0.96	1.71	- -	- -	0.01	- -	- -
EV/EBITDA Average	-15.88	4.63	8.5	17.21	19.05	19.36	23.11	16.02	24.88	412.57	-34.46	-10.53	0.47	-6.64	-11.35
EV/EBITDA High	-15.88	4.63	8.5	17.21	19.05	19.36	23.11	16.02	24.88	412.57	-34.46	-10.53	0.47	-6.64	-11.35
EV/EBITDA Low	-15.88	4.63	8.5	17.21	19.05	19.36	23.11	16.02	24.88	412.57	-34.46	-10.53	0.47	-6.64	-11.35
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	15.86	18.56	19.83	20.87	20.11	22.82	24.79
High Price	- -	- -	- -	- -	- -	- -	- -	- -	26.53	27.98	27.9	26.97	26.33	25.65	25.8
Enterprise Value Average	-737	221	547	1,021	1,047	1,099	1,346	947	1,373	3,333	-2,400	-1,196	32	-620	-686
Enterprise Value High	-737	221	547	1,021	1,047	1,099	1,346	947	1,373	3,333	-2,400	-1,196	32	-620	-686
Enterprise Value Low	-737	221	547	1,021	1,047	1,099	1,346	947	1,373	3,333	-2,400	-1,196	32	-620	-686

Shares Outstanding	112	112	112	139	136	130	122	119	116	147	148	145	145	147	141
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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Synovus Financial Corp.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

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Per Share Data Items (USD)