Regions Financial Corporation (RF-PF) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Banks - Regional
EV/EBITDA
↓
5.92
↓-14% vs avg
5yr avg: 6.89
30Y Low5.8·High8.0
P/FCF
↓
10.37
↓-23% vs avg
5yr avg: 13.42
30Y Low10.3·High16.6
P/B Ratio
↓
1.18
-6% vs avg
5yr avg: 1.26
30Y Low1.2·High1.3
ROE
↓
11.7%
-6% vs avg
5yr avg: 12.3%
30Y Low-31%·High23%
Debt/EBITDA
↑
1.74
↑+33% vs avg
5yr avg: 1.31
30Y Low0.7·High13.2
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
RF-PF Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Regions Financial Corporation trades at 11.2x earnings, 9% below its 5-year average of 12.3x, sitting at the 50th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.4x, the stock trades at a discount of 16%. On a free-cash-flow basis, the stock trades at 10.4x P/FCF, 23% below the 5-year average of 13.4x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $22.6B | $22.4B | $24.1B | — | — | — | — | — | — | — | — |
| Enterprise Value | $16.6B | $16.3B | $19.9B | — | — | — | — | — | — | — | — |
| P/E Ratio → | 11.22 | 11.10 | 13.60 | — | — | — | — | — | — | — | — |
| P/S Ratio | 2.35 | 2.33 | 2.57 | — | — | — | — | — | — | — | — |
| P/B Ratio | 1.18 | 1.17 | 1.34 | — | — | — | — | — | — | — | — |
| P/FCF | 10.37 | 10.25 | 16.59 | — | — | — | — | — | — | — | — |
| P/OCF | 10.37 | 10.25 | 15.07 | — | — | — | — | — | — | — | — |
P/E links to full P/E history page with 30-year chart
RF-PF EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Regions Financial Corporation's enterprise value stands at 5.9x EBITDA, 14% below its 5-year average of 6.9x. The Financial Services sector median is 11.4x, placing the stock at a 48% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.70 | 2.12 | — | — | — | — | — | — | — | — |
| EV / EBITDA | 5.92 | 5.82 | 7.95 | — | — | — | — | — | — | — | — |
| EV / EBIT | 6.05 | 5.96 | 8.44 | — | — | — | — | — | — | — | — |
| EV / FCF | — | 7.49 | 13.68 | — | — | — | — | — | — | — | — |
RF-PF Profitability
Margins and return-on-capital ratios measuring operating efficiency
Regions Financial Corporation earns an operating margin of 28.5%, above the Financial Services sector average of 21.2%. ROE of 11.7% is modest. ROIC of 8.5% represents adequate returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 74.6% | 74.6% | 70.4% | 76.7% | 92.2% | 105.4% | 74.4% | 81.6% | 87.0% | 91.5% | 89.8% |
| Operating Margin | 28.5% | 28.5% | 25.1% | 28.5% | 38.4% | 48.7% | 19.8% | 29.6% | 30.7% | 31.4% | 28.6% |
| Net Profit Margin | 22.4% | 22.4% | 20.2% | 22.7% | 30.0% | 38.2% | 16.5% | 23.6% | 27.7% | 21.3% | 20.0% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 11.7% | 11.7% | 10.7% | 12.4% | 13.1% | 13.8% | 6.4% | 10.1% | 11.2% | 7.7% | 6.9% |
| ROA | 1.4% | 1.4% | 1.2% | 1.3% | 1.4% | 1.6% | 0.8% | 1.3% | 1.4% | 1.0% | 0.9% |
| ROIC | 8.5% | 8.5% | 8.0% | 10.3% | 11.1% | 11.4% | 4.1% | 5.4% | 5.4% | 5.7% | 5.0% |
| ROCE | 9.6% | 9.6% | 8.8% | 10.9% | 12.1% | 13.2% | 5.1% | 7.0% | 6.9% | 6.9% | 6.1% |
RF-PF Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Regions Financial Corporation carries a Debt/EBITDA ratio of 1.7x, which is manageable (58% below the sector average of 4.1x). The company holds a net cash position — cash of $10.9B exceeds total debt of $4.9B, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns. Interest coverage of just 1.3x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.26 | 0.26 | 0.36 | 0.13 | 0.14 | 0.13 | 0.20 | 0.61 | 0.93 | 0.53 | 0.47 |
| Debt / EBITDA | 1.74 | 1.74 | 2.60 | 0.82 | 0.71 | 0.67 | 2.06 | 4.12 | 5.80 | 3.60 | 3.47 |
| Net Debt / Equity | — | -0.32 | -0.24 | -0.26 | -0.56 | -1.47 | -0.79 | 0.36 | 0.69 | 0.29 | 0.14 |
| Net Debt / EBITDA | -2.15 | -2.15 | -1.69 | -1.57 | -2.77 | -7.53 | -8.29 | 2.41 | 4.34 | 1.97 | 1.04 |
| Debt / FCF | — | -2.76 | -2.91 | -2.08 | -3.18 | -9.13 | -6.35 | 2.27 | 4.76 | 2.09 | 1.18 |
| Interest Coverage | 1.32 | 1.32 | 1.03 | 1.65 | 9.10 | 19.25 | 3.57 | 2.33 | 3.25 | 4.99 | 5.32 |
Net cash position: cash ($10.9B) exceeds total debt ($4.9B)
RF-PF Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.30x is below 1.0, meaning current liabilities exceed current assets — though the company's $10.9B cash position helps mitigate short-term liquidity concerns.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.30 | 0.30 | 0.27 | 0.28 | 0.30 | 0.42 | 0.37 | 0.27 | 0.28 | 0.29 | 0.30 |
| Quick Ratio | 0.30 | 0.30 | 0.27 | 0.28 | 0.30 | 0.42 | 0.37 | 0.27 | 0.28 | 0.29 | 0.30 |
| Cash Ratio | 0.08 | 0.08 | 0.08 | 0.05 | 0.09 | 0.21 | 0.15 | 0.04 | 0.04 | 0.04 | 0.05 |
| Asset Turnover | — | 0.06 | 0.06 | 0.06 | 0.05 | 0.04 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
RF-PF Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Regions Financial Corporation returns 8.8% to shareholders annually — split between a 4.0% dividend yield and 4.7% buyback yield. The earnings yield of 8.9% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 4.0% | 4.1% | 3.7% | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | 47.0% | 37.9% | 29.5% | 24.1% | 54.4% | 36.5% | 25.7% | 27.4% | 27.3% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 8.9% | 9.0% | 7.4% | — | — | — | — | — | — | — | — |
| FCF Yield | 9.6% | 9.8% | 6.0% | — | — | — | — | — | — | — | — |
| Buyback Yield | 4.7% | 4.8% | 3.5% | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 8.8% | 8.9% | 7.2% | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $880M | $918M | $938M | $942M | $963M | $962M | $999M | $1.1B | $1.2B | $1.3B |
Peer Comparison
Compare RF-PF with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 RF-PFYou | $23B | 11.2 | 5.9 | 10.4 | 74.6% | 28.5% | 11.7% | 8.5% | 1.7 |
 CFG | $28B | 21.7 | 12.4 | 15.1 | 57.6% | 15.3% | 6.2% | 3.8% | 5.2 |
 HBAN | $26B | 12.0 | 16.0 | 11.6 | 61.7% | 21.5% | 10.0% | 5.1% | 6.9 |
 KEY | $25B | 14.6 | 14.7 | — | 62.3% | 20.6% | 9.5% | 5.4% | 4.7 |
 FITB | $34B | 16.2 | 14.7 | 14.1 | 59.2% | 22.3% | 11.9% | 5.7% | 5.6 |
 MTB | $33B | 14.9 | 6.9 | 9.8 | 64.3% | 24.7% | 9.2% | 6.0% | 3.6 |
 ZION | $9B | 12.9 | 9.1 | 9.0 | 61.2% | 20.3% | 13.3% | 7.3% | 3.8 |
 CMA | $11B | 16.8 | 16.1 | — | 68.1% | 19.1% | 10.1% | 5.2% | 5.5 |
 USB | $87B | 12.2 | 11.5 | — | 62.8% | 22.2% | 12.2% | 5.2% | 7.6 |
 PNC | $90B | 16.2 | 14.0 | 11.4 | 59.4% | 21.5% | 11.2% | 4.5% | 8.2 |
 TFC | $67B | 15.1 | 236.4 | 30.9 | 47.0% | -2.5% | 7.8% | -0.4% | 164.7 |
| Financial Services Median | — | 13.4 | 11.4 | 10.6 | 63.4% | 21.2% | 9.4% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Start ComparisonRF-PF — Frequently Asked Questions
Quick answers to the most common questions about buying RF-PF stock.
What is Regions Financial Corporation's P/E ratio?
Regions Financial Corporation's current P/E ratio is 11.2x. The historical average is 12.3x. This places it at the 50th percentile of its historical range.
What is Regions Financial Corporation's EV/EBITDA?
Regions Financial Corporation's current EV/EBITDA is 5.9x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 6.9x.
What is Regions Financial Corporation's ROE?
Regions Financial Corporation's return on equity (ROE) is 11.7%. The historical average is 8.6%.
Is RF-PF stock overvalued?
Based on historical data, Regions Financial Corporation is trading at a P/E of 11.2x. This is at the 50th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Regions Financial Corporation's dividend yield?
Regions Financial Corporation's current dividend yield is 4.03%.
What are Regions Financial Corporation's profit margins?
Regions Financial Corporation has 74.6% gross margin and 28.5% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Regions Financial Corporation have?
Regions Financial Corporation's Debt/EBITDA ratio is 1.7x, indicating moderate leverage. A ratio below 2x is generally considered financially healthy.