Synovus Financial (SNV) Financials

$47.02 -0.24 (-0.50%)

Closing price 05/23/2025 03:59 PM Eastern

Extended Trading

$47.00 -0.02 (-0.04%)

As of 05/23/2025 04:29 PM Eastern

Annual Income Statements for Synovus Financial

This table shows Synovus Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015
Net Income / (Loss) Attributable to Common Shareholders	440	508	725	727	341	541	410	265	237	216
Consolidated Net Income / (Loss)	479	542	758	760	374	564	428	275	247	226
Net Income / (Loss) Continuing Operations	479	542	758	760	374	564	428	275	247	226
Total Pre-Tax Income	605	696	964	989	485	765	547	480	388	359
Total Revenue	1,989	2,221	2,206	1,983	2,019	1,952	1,429	1,369	1,172	1,095
Net Interest Income / (Expense)	1,750	1,817	1,797	1,533	1,513	1,596	1,148	1,023	899	827
Total Interest Income	3,194	3,050	2,076	1,653	1,804	2,051	1,344	1,162	1,023	946
Loans and Leases Interest Income	2,773	2,715	1,840	1,506	1,616	1,821	1,229	1,066	947	880
Investment Securities Interest Income	329	248	210	140	179	209	97	83	67	59
Federal Funds Sold and Securities Borrowed Interest Income	76	68	18	3.78	2.84	10	10	6.47	4.36	3.14
Other Interest Income	15	19	7.62	3.11	7.54	11	8.59	-	-	-
Total Interest Expense	1,444	1,234	279	120	292	455	196	139	124	119
Deposits Interest Expense	1,330	1,027	187	75	218	357	144	81	64	66
Short-Term Borrowings Interest Expense	4.42	26	12	0.13	7.92	26	3.55	0.95	0.50	0.17
Long-Term Debt Interest Expense	110	181	79	45	66	72	48	57	59	53
Total Non-Interest Income	240	404	409	450	507	356	280	345	273	268
Trust Fees by Commissions	165	168	151	134	108	100	90	80	-	74
Service Charges on Deposit Accounts	92	90	93	86	73	88	81	81	-	-
Other Service Charges	147	124	82	112	96	122	76	148	15	192
Net Realized & Unrealized Capital Gains on Investments	-257	-77	0.00	-0.80	79	-7.66	-1.30	-0.29	6.01	2.77
Other Non-Interest Income	93	99	83	119	150	54	34	36	252	-0.22
Provision for Credit Losses	137	189	85	-106	355	88	52	67	28	19
Total Non-Interest Expense	1,248	1,335	1,158	1,100	1,180	1,099	829	821	756	718
Salaries and Employee Benefits	737	728	682	649	618	570	453	433	402	381
Net Occupancy & Equipment Expense	273	266	263	256	258	241	189	175	156	150
Other Operating Expenses	235	323	222	187	232	230	156	167	172	171
Restructuring Charge	2.12	18	-9.69	7.22	27	58	10	0.11	1.64	0.04
Income Tax Expense	126	154	206	229	111	201	119	205	142	132
Preferred Stock Dividends Declared	43	36	33	33	33	23	18	10	10	10
Net Income / (Loss) Attributable to Noncontrolling Interest	-3.01	-1.56	0.00	0.00	-	-	-	-	-	-
Basic Earnings per Share	$3.05	$3.48	$4.99	$4.95	$2.31	$3.50	$3.49	$2.19	$1.90	$1.63
Weighted Average Basic Shares Outstanding	144.16M	146.12M	145.36M	147.04M	147.42M	154.33M	117.64M	121.16M	124.39M	132.42M
Diluted Earnings per Share	$3.03	$3.46	$4.95	$4.90	$2.30	$3.47	$3.47	$2.17	$1.89	$1.62
Weighted Average Diluted Shares Outstanding	145.00M	146.73M	146.48M	148.50M	148.21M	156.06M	118.38M	122.01M	125.08M	133.20M
Weighted Average Basic & Diluted Shares Outstanding	140.89M	146.40M	146.05M	145.46M	148.64M	147.26M	159.15M	121.10M	124.50M	132.40M
Cash Dividends to Common per Share	$1.52	$1.52	$1.36	$1.32	$1.32	$1.20	$1.00	$0.60	$0.48	$0.42

This table shows Synovus Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Net Income / (Loss) Attributable to Common Shareholders	184	179	170	-24	115	61	87	166	194	197	195
Consolidated Net Income / (Loss)	195	189	181	-15	124	70	96	174	202	206	203
Net Income / (Loss) Continuing Operations	195	189	181	-15	124	70	96	174	202	206	203
Total Pre-Tax Income	252	238	228	-22	161	90	124	222	260	260	263
Total Revenue	571	581	565	306	538	489	550	568	614	604	582
Net Interest Income / (Expense)	454	455	441	435	419	437	443	456	481	501	478
Total Interest Income	767	799	811	801	783	788	786	759	717	655	551
Loans and Leases Interest Income	649	677	702	703	692	700	704	676	635	582	490
Investment Securities Interest Income	93	91	88	79	72	65	62	60	61	59	54
Federal Funds Sold and Securities Borrowed Interest Income	21	28	17	16	15	19	15	17	17	10	5.58
Other Interest Income	3.14	3.49	3.75	4.02	3.48	4.86	4.91	5.28	3.87	3.21	1.70
Total Interest Expense	312	344	370	366	364	351	343	304	236	153	73
Deposits Interest Expense	282	316	345	336	333	319	292	242	174	108	47
Short-Term Borrowings Interest Expense	0.21	-	-	-	-	-	-	-	-	-	-
Long-Term Debt Interest Expense	30	24	24	30	31	5.83	51	62	62	33	26
Total Non-Interest Income	116	126	124	-129	119	51	107	112	133	102	104
Trust Fees by Commissions	20	61	41	40	23	60	42	22	44	44	36
Service Charges on Deposit Accounts	23	23	24	23	22	22	21	23	23	24	23
Other Service Charges	55	16	37	38	57	27	26	45	26	8.05	26
Other Non-Interest Income	18	25	23	27	17	20	19	21	39	26	19
Provision for Credit Losses	11	33	23	26	54	45	73	39	32	35	26
Total Non-Interest Expense	308	309	314	302	323	353	354	307	322	309	294
Salaries and Employee Benefits	186	185	185	179	189	177	180	183	189	183	173
Net Occupancy & Equipment Expense	71	69	69	68	67	70	67	64	65	68	66
Other Operating Expenses	53	55	59	55	66	105	89	60	69	60	54
Restructuring Charge	-1.29	0.04	1.22	-0.66	1.52	1.23	17	-0.11	-0.73	-2.37	0.96
Income Tax Expense	57	49	47	-7.38	37	21	28	48	58	54	60
Preferred Stock Dividends Declared	11	12	12	9.71	9.69	9.70	9.67	8.29	8.29	8.29	8.29
Net Income / (Loss) Attributable to Noncontrolling Interest	-0.14	-1.05	-0.87	-0.65	-0.44	-0.77	-0.63	-0.17	0.00	-	0.00
Basic Earnings per Share	$1.31	$1.24	$1.19	($0.16)	$0.78	$0.42	$0.60	$1.13	$1.33	$1.36	$1.34
Weighted Average Basic Shares Outstanding	140.68M	144.16M	143.14M	145.57M	146.43M	146.12M	146.17M	146.11M	145.80M	145.36M	145.39M
Diluted Earnings per Share	$1.30	$1.23	$1.18	($0.16)	$0.78	$0.41	$0.60	$1.13	$1.32	$1.35	$1.33
Weighted Average Diluted Shares Outstanding	141.78M	145.00M	143.98M	145.57M	147.12M	146.73M	146.74M	146.55M	146.73M	146.48M	146.42M
Weighted Average Basic & Diluted Shares Outstanding	139.01M	140.89M	141.67M	143.97M	146.44M	146.40M	146.24M	146.17M	146.12M	146.05M	145.46M
Cash Dividends to Common per Share	$0.39	-	$0.38	$0.38	$0.38	-	$0.38	$0.38	$0.38	-	$0.34

This table details how cash moves in and out of Synovus Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015
Net Change in Cash & Equivalents	543	474	-1,032	-1,243	3,066	43	211	-66	-285	-118
Net Cash From Operating Activities	821	1,283	1,191	794	17	621	538	631	466	445
Net Cash From Continuing Operating Activities	821	1,283	1,191	794	17	621	538	631	466	445
Net Income / (Loss) Continuing Operations	479	542	758	760	374	564	428	275	247	226
Consolidated Net Income / (Loss)	479	542	758	760	374	564	428	275	247	226
Provision For Loan Losses	137	189	85	-106	355	88	52	67	28	19
Depreciation Expense	60	93	69	114	70	8.08	55	59	58	57
Non-Cash Adjustments to Reconcile Net Income	268	499	372	82	-688	46	28	275	147	153
Changes in Operating Assets and Liabilities, net	-124	-41	-92	-56	-93	-85	-26	-45	-14	-10
Net Cash From Investing Activities	178	324	-4,855	-4,384	-2,353	-2,154	-1,338	-1,474	-1,417	-2,107
Net Cash From Continuing Investing Activities	178	324	-4,855	-4,384	-2,353	-2,154	-1,338	-1,474	-1,417	-2,107
Purchase of Property, Leasehold Improvements and Equipment	-56	-32	-30	-26	-30	-61	-53	-51	-34	-28
Purchase of Investment Securities	-2,038	-3,691	-6,937	-8,105	-8,449	-6,431	-1,961	-2,939	-3,310	-3,051
Sale and/or Maturity of Investments	2,265	4,030	2,103	3,728	6,368	4,120	661	1,516	1,922	1,121
Other Investing Activities, net	6.50	17	9.27	19	-242	17	15	-	-	-151
Net Cash From Financing Activities	-456	-1,133	2,632	2,347	5,402	1,576	1,011	777	666	1,543
Net Cash From Continuing Financing Activities	-456	-1,133	2,632	2,347	5,402	1,576	1,011	777	666	1,543
Net Change in Deposits	344	1,858	-531	2,736	8,285	798	572	1,499	1,405	1,710
Issuance of Debt	1,643	2,621	4,226	0.00	1,445	1,601	2,830	1,872	1,875	872
Repayment of Debt	-1,850	-5,405	-700	-7.52	-4,155	-159	-2,231	-2,350	-2,264	-824
Repurchase of Common Equity	-272	0.00	-13	-200	-16	-725	-175	-175	-263	-199
Payment of Dividends	-261	-252	-229	-228	-223	-186	-120	-65	-70	-66
Other Financing Activities, Net	-60	44	-120	47	66	-94	70	-3.95	-17	51
Cash Interest Paid	1,467	1,113	242	133	319	465	180	143	124	116
Cash Income Taxes Paid	47	70	176	204	111	102	41	18	9.34	11

This table details how cash moves in and out of Synovus Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Net Change in Cash & Equivalents	-288	1,140	-441	-129	-28	314	83	-1,311	1,388	110	203
Net Cash From Operating Activities	52	261	257	279	24	266	302	360	354	581	400
Net Cash From Continuing Operating Activities	52	261	257	279	24	266	302	360	354	581	400
Net Income / (Loss) Continuing Operations	195	189	181	-15	124	70	96	174	202	206	203
Consolidated Net Income / (Loss)	195	189	181	-15	124	70	96	174	202	206	203
Provision For Loan Losses	11	33	23	26	54	45	73	39	32	35	26
Depreciation Expense	12	13	13	16	18	30	22	22	20	16	16
Non-Cash Adjustments to Reconcile Net Income	-19	43	32	261	-68	88	95	180	138	320	216
Changes in Operating Assets and Liabilities, net	-147	-17	7.42	-10	-104	34	17	-54	-38	3.87	-61
Net Cash From Investing Activities	-182	327	-240	169	-78	276	1,026	-286	-692	-1,162	-1,722
Net Cash From Continuing Investing Activities	-182	327	-240	169	-78	276	1,026	-286	-692	-1,162	-1,722
Purchase of Property, Leasehold Improvements and Equipment	-8.16	-12	-16	-10	-18	-12	-7.85	-6.18	-6.52	-8.62	-10
Purchase of Investment Securities	-351	93	-450	-1,440	-242	-1,204	-837	-677	-973	-1,423	-2,288
Sale and/or Maturity of Investments	178	241	224	1,618	182	1,486	1,870	388	285	265	575
Net Cash From Financing Activities	-158	553	-458	-578	26	-229	-1,244	-1,385	1,726	691	1,525
Net Cash From Continuing Financing Activities	-158	553	-458	-578	26	-229	-1,244	-1,385	1,726	691	1,525
Net Change in Deposits	-259	906	-18	-387	-157	519	122	147	1,070	1,178	-1,320
Issuance of Debt	350	493	-	1,050	100	1.13	0.90	1,598	1,021	578	2,393
Repayment of Debt	0.00	-772	-278	-1,050	249	-784	-1,317	-2,954	-350	-914	614
Repurchase of Common Equity	-121	-50	-101	-92	-30	-	-	-	0.00	-	-
Payment of Dividends	-65	-66	-65	-65	-65	-65	-65	-64	-58	-58	-58
Other Financing Activities, Net	-63	40	2.82	-33	-70	100	14	-112	43	-93	-105
Cash Interest Paid	327	336	400	345	385	332	302	271	207	131	59
Cash Income Taxes Paid	30	14	4.56	0.16	29	9.67	2.09	5.83	52	36	51

This table presents Synovus Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015
Total Assets	60,234	59,810	59,731	57,317	54,394	48,203	32,669	31,222	30,104	28,793
Cash and Due from Banks	2,978	2,414	1,939	433	532	536	468	398	395	367
Federal Funds Sold	16	37	38	2,551	3,700	630	655	509	585	900
Trading Account Securities	10,132	9,789	9,678	10,918	7,962	6,779	3,992	3,987	3,728	3,593
Loans and Leases, Net of Allowance	42,122	42,925	43,273	38,884	-606	37,162	25,696	24,538	23,605	22,177
Loans and Leases	42,609	43,404	43,716	39,312	-	37,162	25,947	24,787	23,856	22,430
Allowance for Loan and Lease Losses	487	479	443	428	606	-	251	249	252	252
Loans Held for Sale	90	53	392	751	760	115	37	48	52	59
Premises and Equipment, Net	384	366	371	407	464	494	434	427	417	445
Goodwill	480	480	452	452	452	497	57	57	60	24
Intangible Assets	34	46	27	36	45	56	9.88	11	13	0.47
Other Assets	3,996	3,699	3,561	41,743	41,063	1,913	1,299	1,220	1,231	1,209
Total Liabilities & Shareholders' Equity	60,234	59,810	59,731	57,317	54,394	48,203	32,669	31,222	30,104	28,793
Total Liabilities	54,967	54,665	55,256	52,020	49,233	43,262	29,536	28,260	27,176	25,792
Non-Interest Bearing Deposits	11,596	12,508	15,640	16,393	13,478	9,439	7,651	7,686	7,086	6,733
Interest Bearing Deposits	39,499	38,232	33,232	33,035	33,214	28,966	19,069	18,462	17,562	16,510
Federal Funds Purchased and Securities Sold	132	193	147	264	228	166	238	161	160	177
Long-Term Debt	1,733	1,933	4,110	1,204	1,202	2,154	1,657	1,606	2,161	2,187
Other Long-Term Liabilities	2,007	1,801	1,524	1,125	1,111	783	270	245	207	186
Total Equity & Noncontrolling Interests	5,266	5,144	4,476	5,297	5,161	4,942	3,134	2,962	2,928	3,000
Total Preferred & Common Equity	5,245	5,120	4,476	5,297	5,161	4,942	3,134	2,962	2,928	3,000
Preferred Stock	537	537	537	537	537	537	195	-	126	126
Total Common Equity	4,707	4,583	3,939	4,760	4,624	4,405	2,938	2,962	2,802	2,874
Common Stock	4,159	4,127	4,090	4,063	4,019	3,986	3,204	3,186	3,170	3,131
Retained Earnings	2,736	2,517	2,235	1,710	1,178	1,068	844	544	352	175
Treasury Stock	-1,217	-944	-944	-931	-732	-716	-1,015	-840	-665	-402
Accumulated Other Comprehensive Income / (Loss)	-971	-1,117	-1,442	-82	159	66	-94	-55	-56	-30
Noncontrolling Interest	22	24	0.00	-	-	-	-	-	-	-

This table presents Synovus Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q1 2025	Q3 2024	Q2 2024	Q1 2024	Q3 2023	Q2 2023	Q1 2023	Q3 2022
Period end date	3/31/2025	9/30/2024	6/30/2024	3/31/2024	9/30/2023	6/30/2023	3/31/2023	9/30/2022
Total Assets	60,339	59,590	59,606	59,835	59,343	60,656	61,840	58,640
Cash and Due from Banks	2,675	1,808	2,264	2,380	605	576	638	516
Federal Funds Sold	31	46	31	44	1,468	1,428	36	1,319
Trading Account Securities	10,387	10,177	9,712	9,695	9,237	9,621	9,733	9,588
Loans and Leases, Net of Allowance	42,171	42,636	42,608	42,817	43,202	43,882	43,588	42,150
Loans and Leases	42,649	43,121	43,093	43,310	43,680	44,354	44,045	42,571
Allowance for Loan and Lease Losses	478	485	485	493	478	471	457	421
Loans Held for Sale	122	121	139	131	67	514	669	696
Premises and Equipment, Net	382	380	375	375	364	365	367	377
Goodwill	480	480	480	480	480	476	452	452
Intangible Assets	32	37	40	43	49	62	25	29
Other Assets	4,060	3,904	3,956	3,871	3,806	3,681	3,640	3,479
Total Liabilities & Shareholders' Equity	60,339	59,590	59,606	59,835	59,343	60,656	61,840	58,640
Total Liabilities	54,927	54,211	54,530	54,793	54,781	55,848	21,310	54,410
Non-Interest Bearing Deposits	11,543	11,562	11,656	12,042	12,977	13,566	14,643	16,360
Interest Bearing Deposits	39,300	38,632	38,540	38,538	37,227	36,515	-	31,338
Federal Funds Purchased and Securities Sold	83	94	94	128	98	83	-	240
Long-Term Debt	2,097	2,021	2,284	2,032	2,705	4,021	5,146	4,434
Other Long-Term Liabilities	1,904	1,903	1,953	1,801	1,772	1,661	1,521	2,038
Total Equity & Noncontrolling Interests	5,412	5,378	5,077	5,042	4,562	4,808	4,770	4,230
Total Preferred & Common Equity	5,391	5,356	5,054	5,018	4,537	4,783	4,770	4,230
Preferred Stock	537	537	537	537	537	537	537	537
Total Common Equity	4,854	4,819	4,516	4,481	4,000	4,245	4,233	3,693
Common Stock	4,156	4,149	4,138	4,129	4,111	4,104	4,096	4,087
Retained Earnings	2,862	2,611	2,495	2,574	2,512	2,481	2,371	2,085
Treasury Stock	-1,338	-1,167	-1,066	-974	-944	-944	-944	-944
Accumulated Other Comprehensive Income / (Loss)	-827	-774	-1,050	-1,248	-1,679	-1,395	-1,289	-1,534
Noncontrolling Interest	22	22	23	24	25	25	-	-

This table displays calculated financial ratios and metrics derived from Synovus Financial's official financial filings.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-10.42%	0.65%	11.26%	-1.80%	3.46%	36.63%	4.37%	16.74%	7.04%	1.28%
EBITDA Growth	-15.74%	-23.59%	-6.31%	98.98%	-28.30%	28.31%	11.73%	20.73%	7.55%	16.17%
EBIT Growth	-13.10%	-27.80%	-2.55%	104.13%	-36.65%	39.77%	14.00%	23.60%	8.33%	18.51%
NOPAT Growth	-11.56%	-28.47%	-0.34%	103.50%	-33.72%	31.58%	55.54%	11.63%	9.16%	15.79%
Net Income Growth	-11.56%	-28.47%	-0.34%	103.50%	-33.72%	31.58%	55.54%	11.63%	9.16%	15.79%
EPS Growth	-12.43%	-30.10%	1.02%	113.04%	-33.72%	0.00%	59.91%	14.81%	16.67%	21.80%
Operating Cash Flow Growth	-35.99%	7.65%	50.06%	4,561.91%	-97.26%	15.43%	-14.76%	35.48%	4.70%	14.92%
Free Cash Flow Firm Growth	-79.02%	237.55%	-409.70%	-78.21%	200.51%	-725.53%	-149.47%	101.87%	57.14%	6,919.50%
Invested Capital Growth	-1.09%	-22.99%	41.34%	2.16%	-28.09%	62.65%	16.56%	-8.28%	-1.89%	0.13%
Revenue Q/Q Growth	4.84%	-4.93%	4.47%	0.44%	0.17%	5.47%	11.71%	-4.28%	2.51%	0.62%
EBITDA Q/Q Growth	24.52%	-16.45%	-0.90%	10.60%	-4.54%	2.42%	36.73%	-15.26%	4.18%	2.57%
EBIT Q/Q Growth	32.40%	-19.59%	-0.97%	9.07%	-3.87%	4.46%	42.31%	-16.78%	4.67%	3.41%
NOPAT Q/Q Growth	33.31%	-20.08%	0.71%	7.04%	-0.34%	9.01%	21.38%	-12.39%	4.29%	2.37%
Net Income Q/Q Growth	33.31%	-20.08%	0.71%	7.04%	-0.34%	9.01%	21.38%	-12.39%	4.29%	2.37%
EPS Q/Q Growth	37.10%	-21.36%	0.81%	7.46%	0.44%	2.36%	23.05%	-12.15%	2.72%	1.25%
Operating Cash Flow Q/Q Growth	-0.65%	-19.69%	112.20%	-25.71%	-64.94%	21.50%	0.23%	1.33%	1.87%	8.98%
Free Cash Flow Firm Q/Q Growth	143.07%	27.99%	-32.63%	-53.74%	12.65%	20.17%	-702.66%	38.66%	53.48%	-41.05%
Invested Capital Q/Q Growth	-5.40%	-2.64%	6.06%	0.69%	-10.28%	-4.40%	5.12%	-4.34%	0.42%	2.60%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	33.45%	35.56%	46.84%	55.62%	27.45%	39.61%	42.18%	39.40%	38.10%	37.92%
EBIT Margin	30.41%	31.35%	43.70%	49.89%	24.00%	39.20%	38.32%	35.08%	33.13%	32.74%
Profit (Net Income) Margin	24.10%	24.41%	34.35%	38.35%	18.51%	28.89%	29.99%	20.13%	21.05%	20.64%
Tax Burden Percent	79.25%	77.88%	78.61%	76.86%	77.10%	73.70%	78.28%	57.37%	63.53%	63.05%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	20.75%	22.12%	21.39%	23.14%	22.90%	26.30%	21.72%	42.63%	36.47%	36.95%
Return on Invested Capital (ROIC)	6.81%	6.67%	9.66%	11.82%	4.91%	7.89%	8.48%	5.65%	4.80%	4.36%
ROIC Less NNEP Spread (ROIC-NNEP)	6.81%	6.67%	9.66%	11.82%	4.91%	7.89%	8.48%	5.65%	4.80%	4.36%
Return on Net Nonoperating Assets (RNNOA)	2.40%	4.61%	5.85%	2.72%	2.48%	6.07%	5.58%	3.71%	3.52%	3.12%
Return on Equity (ROE)	9.21%	11.27%	15.51%	14.54%	7.40%	13.96%	14.06%	9.35%	8.33%	7.48%
Cash Return on Invested Capital (CROIC)	7.91%	32.64%	-24.60%	9.69%	37.59%	-39.81%	-6.82%	14.28%	6.72%	4.24%
Operating Return on Assets (OROA)	1.01%	1.16%	1.65%	1.77%	0.94%	1.89%	1.71%	1.57%	1.32%	1.28%
Return on Assets (ROA)	0.80%	0.91%	1.30%	1.36%	0.73%	1.39%	1.34%	0.90%	0.84%	0.81%
Return on Common Equity (ROCE)	8.22%	9.98%	13.81%	13.05%	6.61%	12.70%	13.61%	9.15%	7.97%	7.17%
Return on Equity Simple (ROE_SIMPLE)	9.14%	10.59%	16.93%	14.36%	7.24%	11.41%	13.67%	9.30%	8.43%	7.54%
Net Operating Profit after Tax (NOPAT)	479	542	758	760	374	564	428	275	247	226
NOPAT Margin	24.10%	24.41%	34.35%	38.35%	18.51%	28.89%	29.99%	20.13%	21.05%	20.64%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	50.81%	44.79%	42.84%	45.65%	43.38%	41.56%	46.44%	46.10%	49.30%	49.92%
Operating Expenses to Revenue	62.72%	60.14%	52.47%	55.47%	58.42%	56.31%	58.06%	60.01%	64.48%	65.53%
Earnings before Interest and Taxes (EBIT)	605	696	964	989	485	765	547	480	388	359
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	665	790	1,033	1,103	554	773	603	539	447	415
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.54	1.16	1.28	1.32	0.91	1.08	1.01	1.51	1.38	1.12
Price to Tangible Book Value (P/TBV)	1.73	1.31	1.45	1.47	1.02	1.23	1.04	1.55	1.42	1.13
Price to Revenue (P/Rev)	3.65	2.39	2.28	3.17	2.08	2.44	2.09	3.28	3.31	2.94
Price to Earnings (P/E)	16.51	10.46	6.93	8.65	12.33	8.79	7.26	16.91	16.41	14.91
Dividend Yield	2.97%	4.19%	3.94%	3.05%	4.65%	3.70%	3.90%	1.60%	1.51%	1.70%
Earnings Yield	6.06%	9.56%	14.43%	11.56%	8.11%	11.38%	13.77%	5.91%	6.10%	6.71%
Enterprise Value to Invested Capital (EV/IC)	0.94	0.76	0.90	0.77	0.26	0.91	0.80	1.13	1.02	0.82
Enterprise Value to Revenue (EV/Rev)	3.30	2.41	3.76	2.53	0.83	4.10	3.04	3.84	4.41	3.88
Enterprise Value to EBITDA (EV/EBITDA)	9.85	6.78	8.03	4.56	3.04	10.36	7.20	9.75	11.57	10.23
Enterprise Value to EBIT (EV/EBIT)	10.84	7.69	8.60	5.08	3.47	10.47	7.93	10.95	13.31	11.85
Enterprise Value to NOPAT (EV/NOPAT)	13.67	9.87	10.95	6.61	4.51	14.21	10.13	19.09	20.94	18.79
Enterprise Value to Operating Cash Flow (EV/OCF)	7.98	4.17	6.96	6.33	98.88	12.90	8.07	8.33	11.09	9.55
Enterprise Value to Free Cash Flow (EV/FCFF)	11.77	2.02	0.00	8.07	0.59	0.00	0.00	7.55	14.98	19.34
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.33	0.38	1.05	0.23	0.23	0.79	0.74	0.58	0.74	0.73
Long-Term Debt to Equity	0.33	0.38	0.92	0.23	0.23	0.44	0.53	0.54	0.74	0.73
Financial Leverage	0.35	0.69	0.61	0.23	0.51	0.77	0.66	0.66	0.73	0.72
Leverage Ratio	11.53	12.43	11.98	10.68	10.16	10.01	10.48	10.41	9.94	9.24
Compound Leverage Factor	11.53	12.43	11.98	10.68	10.16	10.01	10.48	10.41	9.94	9.24
Debt to Total Capital	24.76%	27.31%	51.29%	18.53%	18.90%	44.16%	42.41%	36.55%	42.46%	42.16%
Short-Term Debt to Total Capital	0.00%	0.00%	6.57%	0.00%	0.00%	19.82%	11.95%	2.14%	0.00%	0.00%
Long-Term Debt to Total Capital	24.76%	27.31%	44.72%	18.52%	18.90%	24.34%	30.46%	34.41%	42.46%	42.16%
Preferred Equity to Total Capital	7.67%	7.59%	5.85%	8.26%	8.44%	6.07%	3.59%	0.00%	2.48%	2.43%
Noncontrolling Interests to Total Capital	0.31%	0.34%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	67.25%	64.76%	42.86%	73.21%	72.66%	49.77%	54.01%	63.45%	55.06%	55.41%
Debt to EBITDA	2.60	2.45	4.56	1.09	2.17	5.05	3.83	3.16	4.84	5.27
Net Debt to EBITDA	-1.90	-0.66	2.65	-1.64	-5.50	3.52	1.93	1.43	2.60	2.17
Long-Term Debt to EBITDA	2.60	2.45	3.98	1.09	2.17	2.79	2.75	2.98	4.84	5.27
Debt to NOPAT	3.61	3.56	6.22	1.58	3.22	6.93	5.38	6.19	8.76	9.67
Net Debt to NOPAT	-2.63	-0.96	3.61	-2.37	-8.16	4.83	2.72	2.81	4.71	3.99
Long-Term Debt to NOPAT	3.61	3.56	5.42	1.58	3.22	3.82	3.87	5.83	8.76	9.67
Noncontrolling Interest Sharing Ratio	10.76%	11.42%	10.99%	10.27%	10.63%	9.07%	3.20%	2.14%	4.25%	4.17%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	557	2,654	-1,930	623	2,859	-2,845	-345	697	345	220
Operating Cash Flow to CapEx	1,462.16%	3,982.44%	3,957.78%	3,059.32%	56.58%	1,014.65%	1,012.16%	1,235.09%	1,357.60%	1,567.90%
Free Cash Flow to Firm to Interest Expense	0.39	2.15	-6.92	5.18	9.80	-6.25	-1.76	5.00	2.79	1.85
Operating Cash Flow to Interest Expense	0.57	1.04	4.27	6.60	0.06	1.37	2.75	4.53	3.77	3.75
Operating Cash Flow Less CapEx to Interest Expense	0.53	1.01	4.16	6.38	-0.04	1.23	2.48	4.17	3.49	3.51
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.03	0.04	0.04	0.04	0.04	0.05	0.04	0.04	0.04	0.04
Fixed Asset Turnover	5.31	6.03	5.67	4.55	4.22	4.21	3.32	3.24	2.72	2.43
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-
Invested Capital	6,999	7,077	9,189	6,501	6,364	8,849	5,441	4,668	5,089	5,187
Invested Capital Turnover	0.28	0.27	0.28	0.31	0.27	0.27	0.28	0.28	0.23	0.21
Increase / (Decrease) in Invested Capital	-77	-2,112	2,688	137	-2,485	3,408	773	-421	-98	6.49
Enterprise Value (EV)	6,555	5,352	8,295	5,025	1,684	8,010	4,340	5,259	5,168	4,247
Market Capitalization	7,258	5,309	5,023	6,294	4,197	4,753	2,981	4,486	3,881	3,219
Book Value per Share	$33.23	$31.34	$27.08	$32.71	$31.29	$30.06	$25.25	$24.78	$22.91	$22.01
Tangible Book Value per Share	$29.60	$27.74	$23.78	$29.36	$27.92	$26.28	$24.67	$24.21	$22.31	$21.82
Total Capital	6,999	7,077	9,189	6,501	6,364	8,849	5,441	4,668	5,089	5,187
Total Debt	1,733	1,933	4,713	1,204	1,202	3,907	2,307	1,706	2,161	2,187
Total Long-Term Debt	1,733	1,933	4,110	1,204	1,202	2,154	1,657	1,606	2,161	2,187
Net Debt	-1,261	-519	2,735	-1,805	-3,050	2,721	1,164	773	1,162	903
Capital Expenditures (CapEx)	56	32	30	26	30	61	53	51	34	28
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	1,733	1,933	4,713	1,204	1,202	3,907	2,307	1,706	2,161	2,187
Total Depreciation and Amortization (D&A)	60	93	69	114	70	8.08	55	59	58	57
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$3.05	$3.48	$4.99	$4.95	$2.31	$3.50	$3.49	$2.19	$1.90	$1.63
Adjusted Weighted Average Basic Shares Outstanding	144.16M	146.12M	145.36M	147.04M	147.42M	154.33M	117.64M	121.16M	124.39M	132.42M
Adjusted Diluted Earnings per Share	$3.03	$3.46	$4.95	$4.90	$2.30	$3.47	$3.47	$2.17	$1.89	$1.62
Adjusted Weighted Average Diluted Shares Outstanding	145.00M	146.73M	146.48M	148.50M	148.21M	156.06M	118.38M	122.01M	125.08M	133.20M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	140.89M	146.40M	146.05M	145.46M	148.64M	147.26M	159.15M	118.68M	122.35M	126.32M
Normalized Net Operating Profit after Tax (NOPAT)	481	556	750	766	429	606	436	289	251	226
Normalized NOPAT Margin	24.19%	25.03%	34.01%	38.63%	21.25%	31.07%	30.54%	21.10%	21.40%	20.64%
Pre Tax Income Margin	30.41%	31.35%	43.70%	49.89%	24.00%	39.20%	38.32%	35.08%	33.13%	32.74%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.42	0.56	3.46	8.22	1.66	1.68	2.79	3.45	3.14	3.02
NOPAT to Interest Expense	0.33	0.44	2.72	6.32	1.28	1.24	2.19	1.98	2.00	1.91
EBIT Less CapEx to Interest Expense	0.38	0.54	3.35	8.00	1.56	1.55	2.52	3.08	2.86	2.78
NOPAT Less CapEx to Interest Expense	0.29	0.41	2.61	6.10	1.18	1.11	1.92	1.61	1.72	1.67
Payout Ratios	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	54.40%	46.48%	30.26%	29.96%	59.71%	32.93%	28.05%	23.56%	28.23%	29.01%
Augmented Payout Ratio	111.20%	46.48%	31.97%	56.25%	64.06%	161.60%	68.91%	87.12%	134.83%	117.13%

This table displays calculated financial ratios and metrics derived from Synovus Financial's official financial filings.

Metric	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	6.16%	18.81%	2.62%	-46.08%	-12.40%	-19.06%	-5.48%	8.64%	23.37%	18.53%	16.47%
EBITDA Growth	47.28%	108.94%	65.14%	-102.34%	-36.11%	-56.39%	-47.71%	-1.21%	20.59%	-3.28%	2.57%
EBIT Growth	56.44%	163.86%	83.26%	-109.95%	-38.04%	-65.24%	-52.71%	-2.71%	21.59%	-3.52%	9.11%
NOPAT Growth	57.07%	172.20%	87.31%	-108.88%	-38.63%	-66.19%	-52.49%	-2.31%	18.20%	2.68%	8.71%
Net Income Growth	57.07%	172.20%	87.31%	-108.44%	-38.63%	-66.19%	-52.49%	-2.31%	18.20%	2.68%	8.71%
EPS Growth	66.67%	200.00%	96.67%	-114.16%	-40.91%	-69.63%	-54.89%	-2.59%	18.92%	3.05%	9.92%
Operating Cash Flow Growth	115.58%	-2.03%	-15.01%	-22.37%	-93.21%	-54.15%	-24.39%	1,112.52%	95.46%	1,277.19%	-1.72%
Free Cash Flow Firm Growth	-99.97%	-87.78%	-96.64%	164.03%	196.56%	187.91%	174.43%	-1,083.94%	-3,422.19%	-4,039.34%	-343.51%
Invested Capital Growth	2.50%	-1.09%	1.80%	-16.62%	-83.96%	-22.99%	-16.11%	38.23%	711.32%	41.34%	34.19%
Revenue Q/Q Growth	-1.68%	2.81%	84.46%	-43.07%	10.04%	-11.20%	-3.08%	-7.50%	1.67%	3.70%	11.40%
EBITDA Q/Q Growth	4.85%	4.29%	4,325.43%	-103.19%	48.74%	-17.57%	-40.09%	-13.02%	1.54%	-1.17%	13.19%
EBIT Q/Q Growth	5.66%	4.75%	1,131.81%	-113.70%	78.21%	-27.25%	-43.99%	-14.67%	-0.01%	-1.04%	15.23%
NOPAT Q/Q Growth	2.90%	4.81%	1,270.19%	-112.45%	78.33%	-27.88%	-44.54%	-13.96%	-1.75%	1.34%	14.04%
Net Income Q/Q Growth	2.90%	4.81%	1,330.82%	-111.83%	78.33%	-27.88%	-44.54%	-13.96%	-1.75%	1.34%	14.04%
EPS Q/Q Growth	5.69%	4.24%	837.50%	-120.51%	90.24%	-31.67%	-46.90%	-14.39%	-2.22%	1.50%	14.66%
Operating Cash Flow Q/Q Growth	-80.10%	1.52%	-7.98%	1,059.70%	-90.96%	-11.94%	-15.95%	1.47%	-38.96%	45.22%	1,247.97%
Free Cash Flow Firm Q/Q Growth	-95.69%	432.40%	-96.55%	-96.23%	1,666.37%	46.24%	165.77%	94.31%	-1,505.48%	-23.81%	-969.54%
Invested Capital Q/Q Growth	7.28%	-5.40%	0.49%	0.51%	3.47%	-2.64%	-17.69%	-80.67%	397.09%	6.06%	35.62%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	46.15%	43.28%	42.66%	-1.86%	33.26%	24.61%	26.51%	42.89%	45.61%	45.67%	47.92%
EBIT Margin	44.13%	41.06%	40.30%	-7.21%	29.94%	18.49%	22.57%	39.05%	42.33%	43.05%	45.11%
Profit (Net Income) Margin	34.14%	32.62%	32.00%	-4.80%	23.07%	14.24%	17.53%	30.63%	32.93%	34.08%	34.87%
Tax Burden Percent	77.36%	79.44%	79.39%	66.55%	77.06%	77.00%	77.67%	78.44%	77.79%	79.17%	77.31%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	22.64%	20.56%	20.61%	0.00%	22.94%	23.00%	22.33%	21.56%	22.21%	20.83%	22.69%
Return on Invested Capital (ROIC)	9.31%	9.22%	8.28%	-1.17%	1.87%	3.89%	5.14%	9.53%	2.98%	9.58%	9.74%
ROIC Less NNEP Spread (ROIC-NNEP)	9.31%	9.22%	8.28%	-1.15%	1.87%	3.89%	5.14%	9.53%	2.98%	9.58%	9.74%
Return on Net Nonoperating Assets (RNNOA)	3.90%	3.25%	3.94%	-0.73%	8.22%	2.69%	4.18%	5.91%	12.96%	5.80%	5.79%
Return on Equity (ROE)	13.21%	12.47%	12.21%	-1.91%	10.09%	6.57%	9.31%	15.45%	15.94%	15.39%	15.53%
Cash Return on Invested Capital (CROIC)	4.95%	7.91%	3.12%	21.53%	146.46%	32.64%	26.03%	-21.78%	-153.03%	-24.60%	-19.24%
Operating Return on Assets (OROA)	1.49%	1.36%	1.29%	-0.23%	1.06%	0.69%	0.89%	1.57%	1.66%	1.62%	1.67%
Return on Assets (ROA)	1.15%	1.08%	1.02%	-0.15%	0.81%	0.53%	0.69%	1.23%	1.29%	1.28%	1.29%
Return on Common Equity (ROCE)	11.79%	11.12%	10.84%	-1.69%	8.96%	5.82%	8.15%	13.64%	14.16%	13.70%	13.77%
Return on Equity Simple (ROE_SIMPLE)	10.21%	0.00%	6.71%	5.45%	9.25%	0.00%	14.95%	16.41%	16.54%	0.00%	17.79%
Net Operating Profit after Tax (NOPAT)	195	189	181	-15	124	70	96	174	202	206	203
NOPAT Margin	34.14%	32.62%	32.00%	-5.04%	23.07%	14.24%	17.53%	30.63%	32.93%	34.08%	34.87%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	-0.02%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	44.85%	43.77%	44.86%	80.88%	47.53%	50.46%	44.88%	43.58%	41.31%	41.56%	41.11%
Operating Expenses to Revenue	53.96%	53.28%	55.55%	98.58%	60.02%	72.21%	64.24%	54.10%	52.43%	51.18%	50.50%
Earnings before Interest and Taxes (EBIT)	252	238	228	-22	161	90	124	222	260	260	263
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	263	251	241	-5.70	179	120	146	244	280	276	279
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.36	1.54	1.33	1.30	1.29	1.16	0.98	1.00	1.01	1.28	1.37
Price to Tangible Book Value (P/TBV)	1.52	1.73	1.49	1.47	1.47	1.31	1.13	1.14	1.13	1.45	1.57
Price to Revenue (P/Rev)	3.26	3.65	3.37	3.13	2.70	2.39	1.67	1.79	1.83	2.28	2.39
Price to Earnings (P/E)	12.95	16.51	19.92	24.61	13.53	10.46	6.06	5.63	5.64	6.93	7.02
Dividend Yield	3.27%	2.97%	3.42%	3.78%	3.83%	4.19%	5.53%	4.97%	4.80%	3.94%	3.89%
Earnings Yield	7.72%	6.06%	5.02%	4.06%	7.39%	9.56%	16.49%	17.77%	17.74%	14.43%	14.24%
Enterprise Value to Invested Capital (EV/IC)	0.87	0.94	0.96	0.87	0.85	0.76	0.69	0.77	0.20	0.90	0.94
Enterprise Value to Revenue (EV/Rev)	3.23	3.30	3.76	3.42	2.90	2.41	2.16	2.86	3.98	3.76	3.86
Enterprise Value to EBITDA (EV/EBITDA)	8.71	9.85	13.34	14.65	9.03	6.78	5.33	6.27	8.54	8.03	7.82
Enterprise Value to EBIT (EV/EBIT)	9.39	10.84	15.60	18.21	10.41	7.69	5.82	6.74	9.14	8.60	8.38
Enterprise Value to NOPAT (EV/NOPAT)	11.88	13.67	19.82	23.37	13.40	9.87	7.43	8.62	11.70	10.95	10.84
Enterprise Value to Operating Cash Flow (EV/OCF)	7.70	7.98	8.63	7.38	6.53	4.17	3.16	3.99	6.77	6.96	14.52
Enterprise Value to Free Cash Flow (EV/FCFF)	17.81	11.77	31.12	3.69	0.16	2.02	2.43	0.00	0.00	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.39	0.33	0.38	0.45	0.45	0.38	0.59	0.84	1.08	1.05	1.05
Long-Term Debt to Equity	0.39	0.33	0.38	0.45	0.40	0.38	0.59	0.84	1.08	0.92	1.05
Financial Leverage	0.42	0.35	0.48	0.64	4.40	0.69	0.81	0.62	4.35	0.61	0.59
Leverage Ratio	11.50	11.53	11.97	12.17	12.40	12.43	13.42	12.57	12.33	11.98	12.04
Compound Leverage Factor	11.50	11.53	11.97	12.17	12.40	12.43	13.42	12.57	12.33	11.98	12.04
Debt to Total Capital	27.92%	24.76%	27.31%	31.05%	31.18%	27.31%	37.24%	45.56%	51.90%	51.29%	51.18%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.03%	3.45%	0.00%	0.03%	0.02%	0.00%	6.57%	0.00%
Long-Term Debt to Total Capital	27.92%	24.76%	27.31%	31.02%	27.73%	27.31%	37.21%	45.54%	51.90%	44.72%	51.18%
Preferred Equity to Total Capital	7.15%	7.67%	7.26%	7.30%	7.33%	7.59%	7.39%	6.08%	5.42%	5.85%	6.20%
Noncontrolling Interests to Total Capital	0.29%	0.31%	0.30%	0.31%	0.32%	0.34%	0.34%	0.29%	0.00%	0.00%	0.00%
Common Equity to Total Capital	64.64%	67.25%	65.13%	61.34%	61.16%	64.76%	55.03%	48.08%	42.69%	42.86%	42.62%
Debt to EBITDA	2.80	2.60	3.78	5.20	3.32	2.45	2.86	3.73	4.76	4.56	4.25
Net Debt to EBITDA	-0.81	-1.90	0.31	-0.02	-0.20	-0.66	0.60	1.83	4.10	2.65	2.46
Long-Term Debt to EBITDA	2.80	2.60	3.78	5.20	2.95	2.45	2.86	3.73	4.76	3.98	4.25
Debt to NOPAT	3.81	3.61	5.62	8.30	4.92	3.56	3.99	5.13	6.52	6.22	5.89
Net Debt to NOPAT	-1.11	-2.63	0.47	-0.03	-0.30	-0.96	0.84	2.51	5.62	3.61	3.41
Long-Term Debt to NOPAT	3.81	3.61	5.62	8.29	4.38	3.56	3.99	5.12	6.52	5.42	5.89
Noncontrolling Interest Sharing Ratio	10.71%	10.76%	11.28%	11.36%	11.19%	11.42%	12.50%	11.71%	11.20%	10.99%	11.33%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	11	267	50	1,452	38,475	2,182	1,492	-2,268	-39,844	-2,482	-2,004
Operating Cash Flow to CapEx	636.21%	2,216.34%	1,621.19%	2,779.31%	130.21%	2,285.09%	3,849.13%	5,815.96%	5,437.03%	6,737.75%	3,909.61%
Free Cash Flow to Firm to Interest Expense	0.04	0.78	0.14	3.97	105.74	6.21	4.35	-7.47	-168.74	-16.19	-27.32
Operating Cash Flow to Interest Expense	0.17	0.76	0.69	0.76	0.07	0.76	0.88	1.18	1.50	3.79	5.45
Operating Cash Flow Less CapEx to Interest Expense	0.14	0.72	0.65	0.73	0.02	0.73	0.86	1.16	1.47	3.73	5.31
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.03	0.03	0.03	0.03	0.04	0.04	0.04	0.04	0.04	0.04	0.04
Fixed Asset Turnover	5.34	5.31	5.10	5.08	5.78	6.03	6.31	6.33	6.16	5.67	5.27
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	7,509	6,999	7,399	7,363	7,326	7,077	7,269	8,831	45,676	9,189	8,664
Invested Capital Turnover	0.27	0.28	0.26	0.23	0.08	0.27	0.29	0.31	0.09	0.28	0.28
Increase / (Decrease) in Invested Capital	183	-77	131	-1,468	-38,351	-2,112	-1,395	2,442	40,047	2,688	2,207
Enterprise Value (EV)	6,535	6,555	7,129	6,437	6,220	5,352	5,040	6,764	9,235	8,295	8,155
Market Capitalization	6,585	7,258	6,402	5,885	5,799	5,309	3,909	4,233	4,260	5,023	5,051
Book Value per Share	$34.45	$33.23	$33.47	$30.84	$30.60	$31.34	$27.36	$29.05	$28.98	$27.08	$25.40
Tangible Book Value per Share	$30.81	$29.60	$29.88	$27.29	$27.03	$27.74	$23.75	$25.38	$25.71	$23.78	$22.09
Total Capital	7,509	6,999	7,399	7,363	7,326	7,077	7,269	8,831	9,916	9,189	8,664
Total Debt	2,097	1,733	2,021	2,286	2,284	1,933	2,707	4,023	5,146	4,713	4,434
Total Long-Term Debt	2,097	1,733	2,021	2,284	2,032	1,933	2,705	4,021	5,146	4,110	4,434
Net Debt	-609	-1,261	167	-8.31	-139	-519	569	1,969	4,438	2,735	2,567
Capital Expenditures (CapEx)	8.16	12	16	10	18	12	7.85	6.18	6.52	8.62	10
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	-0.76	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	2,097	1,733	2,021	2,286	2,284	1,933	2,707	4,023	40,906	4,713	4,434
Total Depreciation and Amortization (D&A)	12	13	13	16	18	30	22	22	20	16	16
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$1.31	$1.24	$1.19	($0.16)	$0.78	$0.42	$0.60	$1.13	$1.33	$1.36	$1.34
Adjusted Weighted Average Basic Shares Outstanding	140.68M	144.16M	143.14M	145.57M	146.43M	146.12M	146.17M	146.11M	145.80M	145.36M	145.39M
Adjusted Diluted Earnings per Share	$1.30	$1.23	$1.18	($0.16)	$0.78	$0.41	$0.60	$1.13	$1.32	$1.35	$1.33
Adjusted Weighted Average Diluted Shares Outstanding	141.78M	145.00M	143.98M	145.57M	147.12M	146.73M	146.74M	146.55M	146.73M	146.48M	146.42M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	139.01M	140.89M	141.67M	143.97M	146.44M	146.40M	146.24M	146.17M	146.12M	146.05M	145.46M
Normalized Net Operating Profit after Tax (NOPAT)	194	189	182	-16	125	71	110	174	202	204	204
Normalized NOPAT Margin	33.96%	32.62%	32.17%	-5.19%	23.29%	14.43%	19.97%	30.62%	32.84%	33.77%	35.00%
Pre Tax Income Margin	44.13%	41.06%	40.30%	-7.21%	29.94%	18.49%	22.57%	39.05%	42.33%	43.05%	45.11%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.81	0.69	0.62	-0.06	0.44	0.26	0.36	0.73	1.10	1.70	3.58
NOPAT to Interest Expense	0.62	0.55	0.49	-0.04	0.34	0.20	0.28	0.57	0.86	1.34	2.77
EBIT Less CapEx to Interest Expense	0.78	0.66	0.57	-0.09	0.39	0.22	0.34	0.71	1.07	1.64	3.44
NOPAT Less CapEx to Interest Expense	0.60	0.52	0.45	-0.07	0.29	0.17	0.26	0.55	0.83	1.29	2.63
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	47.32%	54.40%	72.46%	94.85%	55.96%	46.48%	36.03%	30.19%	29.27%	30.26%	30.29%
Augmented Payout Ratio	113.32%	111.20%	134.36%	139.05%	62.43%	46.48%	36.03%	30.19%	29.69%	31.97%	36.38%

Frequently Asked Questions About Synovus Financial's Financials

When does Synovus Financial's fiscal year end?

According to the most recent income statement we have on file, Synovus Financial's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Synovus Financial's net income changed over the last 9 years?

Synovus Financial's net income appears to be on an upward trend, with a most recent value of $479.45 million in 2024, rising from $226.08 million in 2015. The previous period was $542.14 million in 2023. See Synovus Financial's forecast for analyst expectations on what’s next for the company.

How has Synovus Financial revenue changed over the last 9 years?

Over the last 9 years, Synovus Financial's total revenue changed from $1.10 billion in 2015 to $1.99 billion in 2024, a change of 81.6%.

How much debt does Synovus Financial have?

Synovus Financial's total liabilities were at $54.97 billion at the end of 2024, a 0.6% increase from 2023, and a 113.1% increase since 2015.

How much cash does Synovus Financial have?

In the past 9 years, Synovus Financial's cash and equivalents has ranged from $367.09 million in 2015 to $2.98 billion in 2024, and is currently $2.98 billion as of their latest financial filing in 2024.

How has Synovus Financial's book value per share changed over the last 9 years?

Over the last 9 years, Synovus Financial's book value per share changed from 22.01 in 2015 to 33.23 in 2024, a change of 51.0%.

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This page (NYSE:SNV) was last updated on 5/24/2025 by MarketBeat.com Staff

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Synovus Financial (SNV) Financials

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