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Arphra AIPlain-English read on Regions Financial Corporation’s valuationIncome statement
| In USD | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | 2026E | 2027E | 2028E |
|---|---|---|---|---|---|---|---|---|
| Revenue & profit | ||||||||
| Revenue | $6.6B | $7.48B | $9.15B | $9.37B | $9.61B | $7.83B | $8.17B | $8.53B |
| Cost of revenue | -$357M | $587M | $2.13B | $2.78B | $2.44B | $2.01B | $2.18B | $2.16B |
| Gross profit | $6.96B | $6.89B | $7.02B | $6.6B | $7.17B | $5.64B | $5.87B | $6.36B |
| Gross margin | +105.41% | +92.15% | +76.73% | +70.37% | +74.64% | +72.02% | +71.90% | +74.54% |
| Operating | ||||||||
| Research & development | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Selling, general & administrative | $2.35B | $2.42B | $2.53B | $2.64B | $2.94B | $2.23B | $2.39B | $2.43B |
| Total operating expenses | $3.75B | $4.02B | $4.42B | $4.24B | $4.43B | $3.65B | $3.69B | $3.93B |
| Operating income | $3.22B | $2.88B | $2.61B | $2.35B | $2.74B | $2.09B | $2.19B | $2.28B |
| Operating margin | +48.69% | +38.44% | +28.48% | +25.11% | +28.55% | +26.73% | +26.87% | +26.71% |
| EBITDA | $3.59B | $3.23B | $2.84B | $2.5B | $2.81B | $2.24B | $2.39B | $2.52B |
| EBIT | $3.22B | $2.88B | $2.61B | $2.35B | $2.74B | $2.1B | $2.18B | $2.28B |
| Below the line | ||||||||
| Interest expense | $167M | $316M | $1.58B | $2.29B | $2.08B | $1.62B | $1.73B | $1.77B |
| Interest income | $4.08B | $5.1B | $6.9B | $7.11B | $7.07B | $5.84B | $6.08B | $6.24B |
| Other income / expense | $0 | $0 | $0 | $0 | $0 | — | — | — |
| Pre-tax income | $3.22B | $2.88B | $2.61B | $2.35B | $2.74B | $2.12B | $2.21B | $2.3B |
| Income tax expense | $694M | $631M | $533M | $461M | $587M | $439.39M | $466.68M | $486.73M |
| Earnings | ||||||||
| Net income | $2.52B | $2.25B | $2.07B | $1.89B | $2.16B | $1.75B | $1.81B | $1.83B |
| Net income · continuing ops | $2.52B | $2.25B | $2.07B | $1.89B | $2.16B | $1.7B | $1.75B | $1.86B |
| Net margin | +38.18% | +30.01% | +22.66% | +20.20% | +22.44% | +22.39% | +22.16% | +21.40% |
| EPS · basic | $2.51 | $2.30 | $2.11 | $1.94 | $2.31 | $2.61 | $2.87 | $3.14 |
| EPS · diluted | $2.49 | $2.28 | $2.11 | $1.93 | $2.29 | $2.62 | $2.85 | $3.15 |
| EPS · low estimate | — | — | — | — | — | $2.56 | $2.75 | $2.91 |
| EPS · high estimate | — | — | — | — | — | $2.66 | $2.92 | $3.33 |
| Shares · basic | 956M | 935M | 936M | 916M | 875M | 877.96M | 870.93M | 866.58M |
| Shares · diluted | 963M | 942M | 938M | 918M | 880M | 877.09M | 883.74M | 881.31M |
| Coverage | ||||||||
| Analysts (revenue) | — | — | — | — | — | 6 | 6 | 2 |
| Analysts (EPS) | — | — | — | — | — | 14 | 14 | 6 |
Coverage notes. Historical figures come’s as-reported income statements / balance sheets / cash flows in our data warehouse. Forecast columns (italicised, faint accent tint) carry vendor-supplied numbers where available (revenue + EPS consensus) and ratio-derived values for every other line. Margins / ratios are the trailing-3y average from history applied to the forecast revenue; values are clamped to enforce P&L identity (gross ≥ operating, EBITDA ≥ operating, net ≤ operating) and balance-sheet identity (assets = liabilities + equity by construction). Cash-flow FCF reconciles to OCF + CapEx. USD conversion uses the period-end close of the issuer's reported/USD pair from forex_prices_daily; share counts stay unconverted.
Financials
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