Explain this page
Arphra AIPlain-English read on Regions Financial Corporation’s valuationRatios & metrics
Profitability, returns on capital, growth, and credit — all derived from the historical income statement, balance sheet, and cash flow rows in our data warehouse.
Quality composite
ATop tier
A snapshot of the latest fiscal year’s margins, returns on capital, balance-sheet strength and efficiency, computed from the income statement, balance sheet and cash-flow rows. Source income / balance / cash_flow.
Profitability
Gross margin74.6%
Operating margin28.5%
Net margin22.4%
ROE11.3%
ROA1.4%
ROIC16.5%
Liquidity & leverage
Current ratio0.30×
Quick ratio0.30×
Debt / equity0.26×
Net debt / EBITDA-2.15×
Interest coverage1×
Efficiency & per-share
Asset turnover0.06×
Inventory days0
Days sales out.22
FCF / share$2.48
Book value / share$21.71
Valuation multiples
Price- and EV-based multiples plus shareholder yields. Snapshot at each fiscal year-end from key_metrics (FMP).
ActualEstimate
| In USD | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | 2026E | 2027E | 2028E |
|---|---|---|---|---|---|---|---|---|
| Headline | ||||||||
| Market cap | — | — | — | $21.54B | $23.71B | — | — | — |
| Enterprise value | — | — | — | $17.33B | $17.69B | — | — | — |
| Multiples | ||||||||
| P / E | — | — | — | — | — | — | — | — |
| P / B | — | — | — | — | — | — | — | — |
| EV / EBITDA | — | — | — | — | — | — | — | — |
| EV / Sales | — | — | — | 1.85 | 1.84 | — | — | — |
| EV / FCF | — | — | — | 11.93 | 8.11 | — | — | — |
| Yields | ||||||||
| Earnings yield | — | — | — | +8.79% | +9.09% | — | — | — |
| Free cash flow yield | — | — | — | +6.74% | +9.20% | — | — | — |
| Dividend yield | — | — | — | — | — | — | — | — |
Profitability
Margin structure across the last 5 fiscal years
ActualEstimate
| In USD | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | 2026E | 2027E | 2028E |
|---|---|---|---|---|---|---|---|---|
| Margins | ||||||||
| Gross margin | +105.41% | +92.15% | +76.73% | +70.37% | +74.64% | +72.02% | +71.90% | +74.54% |
| Operating margin | +48.69% | +38.44% | +28.48% | +25.11% | +28.55% | +26.73% | +26.87% | +26.71% |
| EBITDA margin | +54.31% | +43.16% | +31.06% | +26.65% | +29.19% | +28.57% | +29.30% | +29.60% |
| EBIT margin | +48.69% | +38.44% | +28.48% | +25.11% | +28.55% | +26.80% | +26.67% | +26.72% |
| Pre-tax margin | +48.69% | +38.44% | +28.48% | +25.11% | +28.55% | +27.11% | +27.05% | +27.01% |
| Net margin | +38.18% | +30.01% | +22.66% | +20.20% | +22.44% | +22.39% | +22.16% | +21.40% |
| Cost structure | ||||||||
| Cost of revenue / sales | -5.41% | +7.85% | +23.27% | +29.63% | +25.36% | +25.72% | +26.65% | +25.35% |
| R&D intensity | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| SG&A intensity | +35.59% | +32.35% | +27.60% | +28.16% | +30.61% | +28.52% | +29.24% | +28.44% |
| Effective tax rate | +21.59% | +21.94% | +20.44% | +19.58% | +21.40% | +20.69% | +21.13% | +21.13% |
Returns on capital
ROE / ROA / ROC / ROIC over the relevant capital base, plus the 3-step DuPont decomposition of ROE.
ActualEstimate
| In USD | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | 2026E | 2027E | 2028E |
|---|---|---|---|---|---|---|---|---|
| Returns | ||||||||
| Return on equity (ROE) | +13.76% | +14.07% | +11.86% | +10.57% | +11.29% | +11.64% | +11.28% | +11.09% |
| Return on assets (ROA) | +1.55% | +1.45% | +1.36% | +1.20% | +1.35% | +1.35% | +1.32% | +1.27% |
| Return on capital (ROC) | +15.51% | +15.77% | +13.15% | +9.65% | +11.44% | +11.12% | +10.99% | +11.05% |
| Return on invested capital (ROIC) | +12.16% | +12.31% | +10.46% | +7.76% | +8.99% | +9.31% | +9.06% | +8.85% |
| Asset turnover | +4.05% | +4.82% | +6.01% | +5.96% | +6.02% | +6.02% | +5.94% | +5.95% |
| DuPont · ROE decomposition | ||||||||
| Net margin | +38.18% | +30.01% | +22.66% | +20.20% | +22.44% | +22.39% | +22.16% | +21.40% |
| Asset turnover (× revenue / assets) | +4.05% | +4.82% | +6.01% | +5.96% | +6.02% | +6.02% | +5.94% | +5.95% |
| Equity multiplier (× assets / equity) | +889.11% | +973.11% | +870.03% | +878.29% | +835.22% | +863.60% | +856.72% | +871.67% |
Activity & efficiency
Turnover ratios and days-outstanding — how efficiently the business converts assets and working capital into sales and cash.
ActualEstimate
| In USD | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | 2026E | 2027E | 2028E |
|---|---|---|---|---|---|---|---|---|
| Turnover | ||||||||
| Asset turnover | 0.04 | 0.05 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 |
| Fixed-asset turnover | 3.64 | 4.35 | 5.57 | 5.60 | 5.79 | — | — | — |
| Inventory turnover | — | — | — | — | — | — | — | — |
| Receivables turnover | 20.70 | 14.64 | 14.91 | 16.39 | 16.83 | — | — | — |
| Payables turnover | — | — | — | — | — | — | — | — |
| Days outstanding | ||||||||
| Days sales outstanding (DSO) | 17.63 | 24.93 | 24.48 | 22.27 | 21.69 | — | — | — |
| Days inventory outstanding (DIO) | — | — | — | — | — | — | — | — |
| Days payables outstanding (DPO) | — | — | — | — | — | — | — | — |
| Cash conversion cycle | 17.63 | 24.93 | 24.48 | 22.27 | 21.69 | — | — | — |
Cash flow quality
How well reported earnings translate into operating and free cash flow, plus reinvestment intensity.
ActualEstimate
| In USD | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | 2026E | 2027E | 2028E |
|---|---|---|---|---|---|---|---|---|
| Operating CF / Net income | 1.20 | 1.38 | 1.11 | 0.84 | 1.01 | 0.94 | 0.96 | 1.01 |
| FCF / Net income | 1.17 | 1.25 | 1.04 | 0.77 | 1.01 | 0.91 | 0.94 | 0.97 |
| FCF margin | +44.80% | +37.62% | +23.50% | +15.49% | +22.70% | +20.39% | +20.93% | +20.86% |
| OCF margin | +45.89% | +41.47% | +25.22% | +17.05% | +22.70% | +21.01% | +21.20% | +21.62% |
| CapEx / Revenue | +1.09% | +3.85% | +1.72% | +1.56% | 0.00% | +1.07% | +1.10% | +1.12% |
| CapEx / D&A | 0.19 | 0.82 | 0.67 | 1.01 | 0.00 | — | — | — |
| Stock-based comp / Revenue | 0.00% | 0.00% | 0.00% | 0.00% | +0.28% | — | — | — |
Per-share & shareholder yield
EPS, book value, sales, cash flow and dividends per share — plus payout / retention.
ActualEstimate
| In USD | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | 2026E | 2027E | 2028E |
|---|---|---|---|---|---|---|---|---|
| EPS · diluted | 2.49 | 2.28 | 2.11 | 1.93 | 2.29 | 2.62 | 2.85 | 3.16 |
| EPS · basic | 2.51 | 2.30 | 2.11 | 1.94 | 2.31 | 2.61 | 2.87 | 3.14 |
| Book value / share | 19.03 | 16.93 | 18.65 | 19.51 | 21.71 | 17.19 | 18.17 | 18.68 |
| Tangible BV / share | 12.31 | 9.72 | 11.35 | 11.98 | 15.03 | 17.19 | 18.17 | 18.68 |
| Sales / share | 6.86 | 7.94 | 9.76 | 10.21 | 10.92 | 8.94 | 9.25 | 9.68 |
| Operating CF / share | 3.15 | 3.29 | 2.46 | 1.74 | 2.48 | 1.88 | 1.96 | 2.09 |
| Free cash flow / share | 3.07 | 2.99 | 2.29 | 1.58 | 2.48 | 1.82 | 1.94 | 2.02 |
| Dividends / share | 0.63 | 0.70 | 0.84 | 0.97 | 1.04 | 0.81 | 0.83 | 0.90 |
| Payout ratio | +24.12% | +29.53% | +37.95% | +47.02% | +42.30% | +40.31% | +40.31% | +43.44% |
| Retention ratio | +75.88% | +70.47% | +62.05% | +52.98% | +57.70% | +59.69% | +59.69% | +56.56% |
Growth
Year-over-year change for headline P&L lines, plus through-cycle CAGR
ActualEstimate
| In USD | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | 2026E | 2027E | 2028E | 7y CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Top-line | |||||||||
| Revenue · YoY | — | +13.30% | +22.35% | +2.40% | +2.51% | -18.43% | +4.33% | +4.36% | +3.73% |
| Gross profit · YoY | — | -0.95% | +1.87% | -6.08% | +8.72% | -21.29% | +4.17% | +8.19% | -1.28% |
| Profit | |||||||||
| Operating income · YoY | — | -10.54% | -9.35% | -9.70% | +16.53% | -23.62% | +4.86% | +3.74% | -4.80% |
| EBITDA · YoY | — | -9.96% | -11.95% | -12.14% | +12.29% | -20.19% | +7.01% | +5.42% | -4.88% |
| Net income · YoY | — | -10.95% | -7.62% | -8.73% | +13.89% | -18.61% | +3.26% | +0.80% | -4.50% |
| Operating | |||||||||
| EBIT · YoY | — | -10.54% | -9.35% | -9.70% | +16.53% | -23.42% | +3.83% | +4.54% | -4.79% |
| R&D · YoY | — | — | — | — | — | — | — | — | — |
| Per-share | |||||||||
| EPS · diluted · YoY | — | -8.43% | -7.46% | -8.53% | +18.65% | +14.29% | +9.05% | +10.73% | +3.46% |
| EPS · basic · YoY | — | -8.37% | -8.26% | -8.06% | +19.07% | +13.18% | +9.73% | +9.53% | +3.26% |
Credit & leverage
Balance-sheet health + interest coverage + liquidity. Coverage ratios use period-end debt and trailing interest expense.
ActualEstimate
| In USD | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | 2026E | 2027E | 2028E |
|---|---|---|---|---|---|---|---|---|
| Leverage | ||||||||
| Total debt | $2.41B | $2.28B | $2.33B | $6.49B | $4.88B | $3.76B | $3.94B | $4.17B |
| Net debt | -$27B | -$8.94B | -$4.47B | -$4.22B | -$6.02B | -$4.04B | -$4.16B | -$4.51B |
| Net debt / EBITDA | -7.53 | -2.77 | -1.57 | -1.69 | -2.15 | -1.80 | -1.74 | -1.78 |
| Debt / equity | 0.13 | 0.14 | 0.13 | 0.36 | 0.26 | 0.25 | 0.25 | 0.25 |
| Debt / assets | +1.48% | +1.47% | +1.53% | +4.13% | +3.06% | +2.89% | +2.87% | +2.90% |
| Equity / assets | +11.25% | +10.28% | +11.49% | +11.39% | +11.97% | +11.58% | +11.67% | +11.47% |
| Coverage | ||||||||
| EBITDA / interest expense | 21.47 | 10.22 | 1.80 | 1.09 | 1.35 | 1.38 | 1.39 | 1.42 |
| Operating income / interest | 19.25 | 9.10 | 1.65 | 1.03 | 1.32 | 1.29 | 1.27 | 1.29 |
| Interest expense | $167M | $316M | $1.58B | $2.29B | $2.08B | $1.62B | $1.73B | $1.77B |
| Liquidity | ||||||||
| Current ratio | 0.42 | 0.30 | 0.28 | 0.27 | 0.30 | — | — | — |
| Quick ratio | 0.42 | 0.30 | 0.28 | 0.27 | 0.30 | — | — | — |
| Cash ratio | 0.21 | 0.09 | 0.05 | 0.08 | 0.08 | — | — | — |
| Working capital | -$80.86B | -$92.07B | -$92.27B | -$93.38B | -$92.33B | — | — | — |
| Working capital / revenue | -1224.61% | -1230.74% | -1008.07% | -996.22% | -960.96% | — | — | — |
Sourced from key_metrics + financial_ratios (loaded by load_fundamentals_extended.py).
Valuation
| Metric | FY 2025 | FY 2024 |
|---|---|---|
| P / E | — | — |
| P / B | — | — |
| EV / EBITDA | — | — |
| EV / Sales | 1.84x | 1.85x |
| Earnings yield | 9.1% | 8.8% |
| FCF yield | 9.2% | 6.7% |
Returns
| Metric | FY 2025 | FY 2024 |
|---|---|---|
| Gross margin | — | — |
| Operating margin | — | — |
| Net margin | — | — |
| ROE | 11.3% | 10.6% |
| ROA | 1.4% | 1.2% |
| ROIC | 13.8% | 6.4% |
Leverage & liquidity
| Metric | FY 2025 | FY 2024 |
|---|---|---|
| Debt / equity | — | — |
| Net debt / EBITDA | -2.15 | -1.69 |
| Interest coverage | — | — |
| Current ratio | 0.30x | 0.27x |
| Quick ratio | — | — |
Methodology. ROE / ROA / ROC use period-end balance-sheet denominators (no average-of- period smoothing). ROIC = Operating Income × (1 − inferred effective tax rate) over invested capital, with the effective tax inferred from net-to-operating income when both are positive and a 25% default otherwise. Net debt / EBITDA, debt ratios, and interest-coverage ratios are calculated point-in-time at each fiscal year-end. TTM = trailing 4 quarters (income / cash flow summed, balance sheet = most-recent quarterly snapshot). Through-cycle CAGR in the Growth panel uses the geometric mean of first-to-last period growth across the window (positive values only).