What is Synovus Financial Corp.'s earnings per share (EPS)?

Synovus Financial Corp. (SNV) reported diluted earnings per share of $3.03 for fiscal year 2024. This represents a -12.4% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Synovus Financial Corp. (SNV) Financials

SNV

Trailing 12 months to September 30, 2025

Revenue $2.4B +24.4% YoY

Net Income $800.1M +120.8% YoY

EPS (Diluted) $5.35 +142.1% YoY

Free Cash Flow $668.1M -13.3% YoY

Source SEC Filings (10-K/10-Q) Latest period Q3 FY2025, ended Sep 30, 2025 Reported Nov 4, 2025 Currency USD FYE December

Newest figures come from the 10-Q for Q3 FY2025, filed Nov 4, 2025. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the SNV SEC filings page.

Synovus Financial Corp. (SNV) reported $2.4B in revenue over the twelve months to Sep 30, 2025, up 24.4% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI SNV FY2024 2026-10-04

Synovus runs an asset-heavy banking model where funding structure matters more than revenue margins, while returns and cash generation have weakened.

The balance sheet expanded to $60.2B of assets in FY2024, but $55.0B of liabilities still financed most of it, leaving equity at roughly 8.7% of assets. That makes the lower debt-to-equity ratio of 0.3x, versus 0.9x in FY2022, an incomplete picture of leverage because deposits and other liabilities remain the dominant funding base.

Profitability has softened across the recent period: return on assets fell from 1.3% in FY2022 to 0.8% in FY2024, while net income declined to $482M from $758M. The combination points to weaker earnings generated from a large and growing asset base, rather than simply a smaller business.

Reported cash generation remained above accounting earnings in FY2024, with operating cash flow of $821M and free cash flow of $765M against net income of $482M. However, both cash measures fell sharply from FY2023 while net income fell less, suggesting that balance-sheet movements materially influence cash results and that cash flow is not a clean proxy for recurring profitability here.

Financial Health Signals

Financial Health Score 39/100

Scored as: Banks peer group

Scored against banks for FY2024. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Synovus Financial Corp.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Synovus Financial Corp. earned a return on assets of 0.8% in fiscal year 2024, which is the profit it made on every dollar of assets on its books. This is down from 0.9% the prior year. Earnings ranks banks on that return over three years, and Synovus Financial Corp. scores 55/100 among other banks.

Growth

Synovus Financial Corp. reported revenue of $2.0B in fiscal year 2024, against $2.2B in fiscal year 2023. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Synovus Financial Corp. scores 9/100 among other banks.

Capital

Synovus Financial Corp. funded 8.7% of its assets with shareholders' equity at the end of fiscal year 2024, holding $5.2B of equity against $60.2B of assets. Capital ranks banks on that cushion, and Synovus Financial Corp. scores 15/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Synovus Financial Corp. scores 64/100 on it among other banks.

Credit Quality

Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. Synovus Financial Corp. scores 33/100 on it among other banks.

Stability

Synovus Financial Corp. reported net income of $482.5M in fiscal year 2024, against $543.7M in fiscal year 2023. Stability ranks banks on how steady net income has been across five years, and Synovus Financial Corp. scores 60/100 among other banks.

Piotroski F-Score Partial

5/7

Synovus Financial Corp. passes 5 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.70x

For every $1 of reported earnings, Synovus Financial Corp. generates $1.70 in operating cash flow ($821.0M OCF vs $482.5M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$615.4M

YoY+9.0%

QoQ+3.7%

5Y CAGR+4.6%

10Y CAGR+8.4%

Synovus Financial Corp. generated $615.4M in revenue in Q3 2025. This represents an increase of 9.0% from the same quarter a year earlier. Against the prior quarter it is up 3.7%.

Net Income

$197.0M

YoY+8.5%

QoQ-9.5%

5Y CAGR+16.6%

10Y CAGR+13.0%

Synovus Financial Corp. reported $197.0M in net income in Q3 2025. This represents an increase of 8.5% from the same quarter a year earlier. Against the prior quarter it is down 9.5%.

EPS (Diluted)

$1.33

YoY+12.7%

QoQ-10.1%

5Y CAGR+18.9%

10Y CAGR+12.2%

Synovus Financial Corp. earned $1.33 per diluted share (EPS) in Q3 2025. This represents an increase of 12.7% from the same quarter a year earlier. Against the prior quarter it is down 10.1%.

EBITDA

Not reported for Q3 2025.

Cash & Balance Sheet

Free Cash Flow

$198.7M

YoY-17.6%

QoQ+12.4%

5Y CAGR-21.6%

10Y CAGR+0.6%

Synovus Financial Corp. generated $198.7M in free cash flow in Q3 2025, representing cash available after capex. This represents a decrease of 17.6% from the same quarter a year earlier. Against the prior quarter it is up 12.4%.

Cash & Debt

$2.3B

YoY+22.7%

QoQ-20.3%

5Y CAGR+2.8%

10Y CAGR+21.3%

Synovus Financial Corp. held $2.3B in cash against $3.0B in long-term debt as of Q3 2025.

Dividends Per Share

$0.39

YoY+2.6%

QoQ0.0%

5Y CAGR+3.4%

Synovus Financial Corp. paid $0.39 per share in dividends in Q3 2025. This represents an increase of 2.6% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

139M

YoY-2.0%

QoQ0.0%

5Y CAGR-1.2%

10Y CAGR+0.6%

Synovus Financial Corp. had 139M shares outstanding in Q3 2025. This represents a decrease of 2.0% from the same quarter a year earlier. It is unchanged from the prior quarter.

Margins & Returns

Net Margin

32.0%

YoY-0.1pp

QoQ-4.7pp

5Y change+13.4pp

10Y change+10.9pp

Synovus Financial Corp.'s net profit margin was 32.0% in Q3 2025, showing the share of revenue converted to profit. This is down 0.1 percentage points from the same quarter a year earlier. Against the prior quarter it is down 4.7 percentage points.

Return on Equity

3.4%

YoY0.0pp

QoQ-0.5pp

5Y change+1.6pp

10Y change+1.5pp

Synovus Financial Corp.'s ROE was 3.4% in Q3 2025, measuring profit generated per dollar of shareholder equity. That is unchanged from the same quarter a year earlier. Against the prior quarter it is down 0.5 percentage points.

Gross Margin

Not reported for Q3 2025.

Operating Margin

Not reported for Q3 2025.

Capital Allocation

Share Buybacks

$17K

YoY-100.0%

QoQ-99.9%

10Y CAGR-55.2%

Synovus Financial Corp. spent $17K on share buybacks in Q3 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 100.0% from the same quarter a year earlier. Against the prior quarter it is down 99.9%.

Capital Expenditures

$7.1M

YoY-55.4%

QoQ+8.2%

5Y CAGR+22.1%

10Y CAGR-5.8%

Synovus Financial Corp. invested $7.1M in capex in Q3 2025, funding long-term assets and infrastructure. This represents a decrease of 55.4% from the same quarter a year earlier. Against the prior quarter it is up 8.2%.

R&D Spending

Not reported for Q3 2025.

SNV Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

SNV quarterly income statement

Metric	TTM	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K	FY1010-K
Revenue	$2.4B	$2.0B-10.4%	$2.2B+0.7%	$2.2B+11.3%	$2.0B-1.8%	$2.0B+3.5%	$2.0B+36.6%	$1.4B+4.4%	$1.4B+16.7%	$1.2B+7.0%	$1.1B+1.3%	$1.1B+1.7%	$1.1B-8.9%	$1.2B-7.5%	$1.3B-2.2%	$1.3B
SG&A Expenses	$759.7M	$737.5M+1.2%	$728.4M+6.8%	$681.7M+5.0%	$649.4M+5.0%	$618.2M+8.5%	$570.0M+25.7%	$453.4M+4.6%	$433.3M+7.8%	$402.0M+5.5%	$380.9M+2.4%	$371.9M+1.0%	$368.2M-2.1%	$375.9M+1.3%	$371.1M-11.3%	$418.6M
Interest Expense	$1.3B	$1.4B+17.0%	$1.2B+342.4%	$278.9M+131.6%	$120.4M-58.7%	$291.7M-35.9%	$454.8M+132.2%	$195.9M+40.7%	$139.2M+12.6%	$123.6M+4.2%	$118.6M+8.4%	$109.4M-7.9%	$118.8M-20.8%	$150.0M-31.1%	$217.6M-34.9%	$334.2M
Income Tax	$212.1M	$125.5M-18.5%	$154.0M-25.3%	$206.3M-9.9%	$228.9M+106.3%	$111.0M-44.9%	$201.2M+69.3%	$118.9M-41.9%	$204.7M+44.5%	$141.7M+6.9%	$132.5M+23.5%	$107.3M+15.1%	$93.2M+111.7%	-$798.7M-60979.0%	$1.3M+108.7%	-$15.2M
Net Income	$800.1M	$482.5M-11.3%	$543.7M-28.3%	$757.9M-0.3%	$760.5M+103.5%	$373.7M-33.7%	$563.8M+31.6%	$428.5M+55.5%	$275.5M+11.6%	$246.8M+9.2%	$226.1M+15.8%	$195.2M+22.5%	$159.4M-80.8%	$830.2M+1469.4%	-$60.6M+92.3%	-$790.7M
EPS (Basic)	N/A	$3.05-12.4%	$3.48-30.3%	$4.99+0.8%	$4.95+114.3%	$2.31-34.0%	$3.50+0.3%	$3.49+59.4%	$2.19+15.3%	$1.90+16.6%	$1.63+21.6%	$1.34+44.1%	$0.93-86.5%	$6.87+4680.0%	-$0.15+87.9%	-$1.24
EPS (Diluted)	$5.35	$3.03-12.4%	$3.46-30.1%	$4.95+1.0%	$4.90+113.0%	$2.30-33.7%	$3.470.0%	$3.47+59.9%	$2.17+14.8%	$1.89+16.7%	$1.62+21.8%	$1.33	$0.88-85.2%	$5.93	-$0.15	-$1.24
Diluted Shares (Avg)	N/A	145M-1.2%	147M+0.2%	146M-1.4%	148M+0.2%	148M-5.0%	156M+31.8%	118M-3.0%	122M-2.5%	125M-6.1%	133M-4.3%	139M	134M+3.2%	130M	785M	685M

Metric	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-Q	Q3'2410-Q	Q2'2410-Q	Q1'2410-Q	Q4'2310-K
Revenue	$615.4M+9.0%	$593.7M+93.9%	$570.9M+6.2%	$580.6M+18.8%	$564.7M+2.6%	$306.1M-46.1%	$537.7M-12.4%	$488.7M-19.1%
SG&A Expenses	$197.3M+6.8%	$192.2M+7.1%	$185.5M-1.6%	$184.7M+4.5%	$184.8M+2.8%	$179.4M-2.0%	$188.5M-0.2%	$176.7M-3.2%
Interest Expense	$320.4M-13.3%	$312.1M-14.8%	$312.4M-14.1%	$344.1M-2.0%	$369.8M+7.8%	$366.2M+20.6%	$363.9M+54.1%	$351.1M+129.0%
Income Tax	$48.5M+3.3%	$57.6M+881.1%	$57.0M+54.4%	$49.0M+135.9%	$46.9M+69.2%	-$7.4M-115.4%	$36.9M-36.0%	$20.8M-61.6%
Net Income	$197.0M+8.5%	$217.7M+1652.0%	$195.0M+56.6%	$190.4M+170.7%	$181.6M+87.0%	-$14.0M-108.1%	$124.5M-38.4%	$70.3M-65.8%
EPS (Basic)	$1.34+12.6%	$1.49+1031.3%	$1.31+67.9%	$1.25+197.6%	$1.19+98.3%	-$0.16-114.2%	$0.78-41.4%	$0.42-69.1%
EPS (Diluted)	$1.33+12.7%	$1.48	$1.30+66.7%	$1.24+202.4%	$1.18+96.7%	-$0.16	$0.78-40.9%	$0.41-69.6%
Diluted Shares (Avg)	140M-3.0%	140M	142M-3.6%	N/A	144M-1.9%	146M	147M+0.3%	N/A

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

SNV Balance Sheet

SNV quarterly balance sheet

Metric	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K	FY1010-K
Total Assets	$60.2B+0.7%	$59.8B+0.1%	$59.7B+4.2%	$57.3B+5.4%	$54.4B+12.8%	$48.2B+47.5%	$32.7B+4.6%	$31.2B+3.7%	$30.1B+4.6%	$28.8B+6.4%	$27.1B+3.2%	$26.2B-2.1%	$26.8B-1.5%	$27.2B-9.7%	$30.1B
Cash & Equivalents	$3.0B+22.1%	$2.5B+23.9%	$2.0B-34.3%	$3.0B-29.2%	$4.3B+258.3%	$1.2B+3.8%	$1.1B+187.4%	$397.8M+0.7%	$395.2M+7.7%	$367.1M-24.4%	$485.5M+3.4%	$469.6M-23.6%	$614.6M+20.4%	$510.4M+31.2%	$389.0M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Accounts Receivable	$445.1M+127.2%	$195.9M+28.5%	$152.5M+87.5%	$81.3M-7.9%	$88.3M+14.4%	$77.2M+34.6%	$57.3M+30.7%	$43.9M+47.1%	$29.8M+51.4%	$19.7M-16.1%	$23.5M-31.7%	$34.3M+60.7%	$21.4M-11.4%	$24.1M-44.0%	$43.1M
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$480.4M0.0%	$480.4M+6.2%	$452.4M0.0%	$452.4M0.0%	$452.4M-9.0%	$497.3M+767.6%	$57.3M0.0%	$57.3M-4.0%	$59.7M+144.3%	$24.4M0.0%	$24.4M0.0%	$24.4M0.0%	$24.4M0.0%	$24.4M0.0%	$24.4M
Total Liabilities	$55.0B+0.6%	$54.7B-1.1%	$55.3B+6.2%	$52.0B+5.7%	$49.2B+13.8%	$43.3B+46.5%	$29.5B+4.5%	$28.3B+4.0%	$27.2B+5.4%	$25.8B+7.4%	$24.0B+3.3%	$23.3B+0.3%	$23.2B-4.7%	$24.3B-10.1%	$27.1B
Long-Term Debt	$1.7B-10.3%	$1.9B-53.0%	$4.1B+241.3%	$1.2B+0.1%	$1.2B-44.2%	$2.2B+30.0%	$1.7B+3.2%	$1.6B-25.7%	$2.2B-1.2%	$2.2B+2.2%	$2.1B+5.2%	$2.0B+17.8%	$1.7B+26.5%	$1.4B-24.5%	$1.8B
Total Equity	$5.2B+2.4%	$5.1B+14.4%	$4.5B-15.5%	$5.3B+2.6%	$5.2B+4.4%	$4.9B+57.7%	$3.1B+5.8%	$3.0B+1.1%	$2.9B-2.4%	$3.0B-1.4%	$3.0B+3.1%	$2.9B-17.4%	$3.6B+26.2%	$2.8B-5.7%	$3.0B
Retained Earnings	$2.7B+8.7%	$2.5B+12.6%	$2.2B+30.7%	$1.7B+45.2%	$1.2B+10.3%	$1.1B+26.6%	$843.8M+55.0%	$544.2M+54.7%	$351.8M+101.0%	$175.0M+1074.8%	$14.9M+110.8%	-$137.5M+47.1%	-$260.0M+75.4%	-$1.1B-9.5%	-$966.6M

Metric	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-Q	Q3'2410-Q	Q2'2410-Q	Q1'2410-Q	Q4'2310-K
Total Assets	$60.5B+1.5%	$61.1B+2.4%	$60.3B+0.8%	$60.2B+0.7%	$59.6B+0.4%	$59.6B-1.7%	$59.8B-3.2%	$59.8B+0.1%
Cash & Equivalents	$2.3B+22.7%	$2.9B+24.3%	$2.7B+11.7%	$3.0B+22.1%	$1.9B-13.3%	$2.3B+11.7%	$2.4B-28.0%	$2.5B+23.9%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Accounts Receivable	N/A	N/A	N/A	$445.1M+127.2%	N/A	N/A	N/A	$195.9M+28.5%
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$480.4M0.0%	$480.4M0.0%	$480.4M0.0%	$480.4M0.0%	$480.4M+0.1%	$480.4M+1.0%	$480.4M+6.2%	$480.4M+6.2%
Total Liabilities	$54.6B+0.8%	$55.4B+1.6%	$54.9B+0.2%	$55.0B+0.6%	$54.2B-1.0%	$54.5B-2.4%	$54.8B-4.0%	$54.7B-1.1%
Long-Term Debt	$3.0B+48.8%	$3.9B+71.2%	$2.1B+3.2%	$1.7B-10.3%	$2.0B-25.3%	$2.3B-43.2%	$2.0B-60.5%	$1.9B-53.0%
Total Equity	$5.8B+8.6%	$5.6B+11.2%	$5.4B+7.4%	$5.2B+2.4%	$5.4B+18.1%	$5.1B+5.7%	$5.0B+5.2%	$5.1B+14.4%
Retained Earnings	$3.1B+20.5%	$3.0B+20.8%	$2.9B+11.2%	$2.7B+8.7%	$2.6B+3.9%	$2.5B+0.6%	$2.6B+8.6%	$2.5B+12.6%

Not reported in any period shown, so not listed: Current Assets, Inventory, Current Liabilities, Non-Current Liabilities.

SNV Cash Flow Statement

SNV quarterly cash flow statement

Metric	TTM	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K	FY1010-K
Operating Cash Flow	$701.7M	$821.0M-36.0%	$1.3B+7.6%	$1.2B+50.1%	$794.0M+4561.9%	$17.0M-97.3%	$621.0M+15.4%	$538.1M-14.8%	$631.2M+35.5%	$465.9M+4.7%	$445.0M+14.9%	$387.2M-36.0%	$605.1M+28.2%	$472.1M-26.9%	$645.7M-29.1%	$910.8M
Depreciation & Amortization	N/A	$37.4M-2.1%	$38.2M-9.3%	$42.1M-16.6%	$50.5M-2.1%	$51.6M+4.9%	$49.2M+15.5%	$42.6M+0.9%	$42.2M+13.7%	$37.1M+5.1%	$35.3M+4.1%	$33.9M-42.8%	$59.3M-7.9%	$64.4M+35.2%	$47.6M+2.6%	$46.4M
Stock-Based Compensation	N/A	$32.0M-0.5%	$32.2M+15.5%	$27.9M+0.4%	$27.8M+49.1%	$18.6M-23.9%	$24.5M+47.1%	$16.6M+17.4%	$14.2M+4.1%	$13.6M+8.4%	$12.6M+22.7%	$10.2M+37.1%	$7.5M-20.6%	$9.4M+55.9%	$6.0M-15.8%	$7.2M
Capital Expenditures	$33.5M	$56.2M+74.3%	$32.2M+7.0%	$30.1M+16.0%	$26.0M-13.8%	$30.1M-50.8%	$61.2M+15.1%	$53.2M+4.0%	$51.1M+48.9%	$34.3M+20.9%	$28.4M-26.6%	$38.7M+35.9%	$28.5M-6.6%	$30.5M+91.2%	$15.9M-25.1%	$21.3M
Free Cash Flow	$668.1M	$764.9M-38.8%	$1.3B+7.7%	$1.2B+51.2%	$768.1M+5976.5%	-$13.1M-102.3%	$559.8M+15.5%	$484.9M-16.4%	$580.1M+34.4%	$431.6M+3.6%	$416.6M+19.5%	$348.5M-39.6%	$576.6M+30.6%	$441.6M-29.9%	$629.8M-29.2%	$889.5M
Investing Cash Flow	-$556.5M	$177.6M-45.2%	$324.0M+106.7%	-$4.9B-10.8%	-$4.4B-86.3%	-$2.4B-9.2%	-$2.2B-61.0%	-$1.3B+9.2%	-$1.5B-4.0%	-$1.4B+32.7%	-$2.1B-80.6%	-$1.2B-4129.6%	-$27.6M-103.4%	$818.1M-63.9%	$2.3B+183.1%	$800.5M
Financing Cash Flow	$275.4M	-$456.0M+59.7%	-$1.1B-143.0%	$2.6B+12.1%	$2.3B-56.6%	$5.4B+242.7%	$1.6B+56.0%	$1.0B+30.1%	$776.6M+16.6%	$665.9M-56.9%	$1.5B+94.0%	$795.4M+210.1%	-$722.5M+39.1%	-$1.2B+57.5%	-$2.8B-47.9%	-$1.9B
Dividends Paid	$216.5M	$220.1M+1.9%	$216.1M+10.2%	$196.1M+0.8%	$194.7M+2.5%	$190.0M+13.1%	$167.9M+58.1%	$106.2M+94.3%	$54.7M-8.0%	$59.4M+7.4%	$55.4M+29.3%	$42.8M+17.5%	$36.4M+15.8%	$31.5M+0.2%	$31.4M+23.2%	$25.5M
Share Buybacks	$192.0M	$272.3M	$0-100.0%	$13.0M-93.5%	$199.9M+1130.7%	$16.2M-97.8%	$725.4M+314.3%	$175.1M0.0%	$175.1M-33.5%	$263.1M+32.1%	$199.2M+126.1%	$88.1M	$0	$0	$0-100.0%	$21K

Metric	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-Q	Q3'2410-Q	Q2'2410-Q	Q1'2410-Q	Q4'2310-K
Operating Cash Flow	$205.7M-19.9%	$183.2M-34.4%	$51.9M+115.6%	$260.8M-2.0%	$256.9M-15.0%	$279.2M-22.4%	$24.1M-93.2%	$266.2M-54.2%
Depreciation & Amortization	$16.7M+25.4%	$13.5M-17.3%	$11.5M-35.3%	-$10.1M+60.0%	$13.3M-38.5%	$16.4M-24.9%	$17.9M-11.1%	-$25.4M-125.3%
Stock-Based Compensation	N/A	N/A	$6.5M-17.9%	N/A	N/A	N/A	$7.9M-9.1%	N/A
Capital Expenditures	$7.1M-55.4%	$6.5M-35.0%	$8.2M-55.9%	$11.8M+1.0%	$15.8M+101.8%	$10.0M+62.5%	$18.5M+183.6%	$11.7M+35.2%
Free Cash Flow	$198.7M-17.6%	$176.7M-34.4%	$43.7M+683.1%	$249.1M-2.2%	$241.1M-18.1%	$269.2M-23.9%	$5.6M-98.4%	$254.6M-55.5%
Investing Cash Flow	$127.2M+152.9%	-$828.7M-589.1%	-$181.7M-132.0%	$326.8M+18.2%	-$240.3M-123.4%	$169.4M+159.3%	-$78.3M+88.7%	$276.3M+123.8%
Financing Cash Flow	-$911.0M-99.1%	$791.6M+237.1%	-$157.9M-699.5%	$552.8M+341.7%	-$457.6M+63.2%	-$577.5M+58.3%	$26.3M-98.5%	-$228.8M-133.1%
Dividends Paid	$54.1M-1.2%	$54.7M-1.6%	$53.7M-3.7%	$54.0M-2.9%	$54.8M-1.3%	$55.6M+0.2%	$55.7M+12.7%	$55.6M+12.4%
Share Buybacks	-$17K-100.0%	$21.4M-76.6%	$120.8M+302.6%	$49.7M	$100.9M	$91.7M	$30.0M	$0

SNV Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

SNV quarterly financial ratios

Metric	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K	FY1010-K
Net Margin	24.3%-0.2pp	24.5%-9.9pp	34.4%-4.0pp	38.4%+19.8pp	18.5%-10.4pp	28.9%-1.1pp	30.0%+9.9pp	20.1%-0.9pp	21.1%+0.4pp	20.6%+2.6pp	18.1%+3.1pp	15.0%-56.1pp	71.1%+75.9pp	-4.8%+56.4pp	-61.2%
Return on Equity	9.2%-1.4pp	10.6%-6.3pp	16.9%+2.6pp	14.4%+7.1pp	7.2%-4.2pp	11.4%-2.3pp	13.7%+4.4pp	9.3%+0.9pp	8.4%+0.9pp	7.5%+1.1pp	6.4%+1.0pp	5.4%-17.9pp	23.3%+25.4pp	-2.1%+24.2pp	-26.4%
Return on Assets	0.8%-0.1pp	0.9%-0.4pp	1.3%-0.1pp	1.3%+0.6pp	0.7%-0.5pp	1.2%-0.1pp	1.3%+0.4pp	0.9%+0.1pp	0.8%0.0pp	0.8%+0.1pp	0.7%+0.1pp	0.6%-2.5pp	3.1%+3.3pp	-0.2%+2.4pp	-2.6%
Debt-to-Equity	0.330.0x	0.38-0.5x	0.92+0.7x	0.230.0x	0.23-0.2x	0.44-0.1x	0.530.0x	0.54-0.2x	0.740.0x	0.730.0x	0.700.0x	0.69+0.2x	0.480.0x	0.48-0.1x	0.60
Asset Turnover	0.030.0x	0.040.0x	0.040.0x	0.030.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.050.0x	0.04
FCF Margin	38.5%-17.9pp	56.3%+3.7pp	52.6%+13.9pp	38.7%+39.4pp	-0.7%-29.3pp	28.7%-5.3pp	33.9%-8.5pp	42.4%+5.6pp	36.8%-1.2pp	38.0%+5.8pp	32.2%-22.0pp	54.2%+16.4pp	37.8%-12.0pp	49.9%-19.0pp	68.9%

Metric	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-Q	Q3'2410-Q	Q2'2410-Q	Q1'2410-Q	Q4'2310-K
Net Margin	32.0%-0.1pp	36.7%+41.3pp	34.2%+11.0pp	32.8%+18.4pp	32.1%+14.5pp	-4.6%-35.2pp	23.2%-9.8pp	14.4%-19.7pp
Return on Equity	3.4%0.0pp	3.9%+4.2pp	3.6%+1.1pp	3.6%+2.3pp	3.4%+1.3pp	-0.3%-3.9pp	2.5%-1.8pp	1.4%-3.2pp
Return on Assets	0.3%0.0pp	0.4%+0.4pp	0.3%+0.1pp	0.3%+0.2pp	0.3%+0.1pp	0.0%-0.3pp	0.2%-0.1pp	0.1%-0.2pp
Debt-to-Equity	0.52+0.1x	0.70+0.2x	0.390.0x	0.330.0x	0.38-0.2x	0.45-0.4x	0.40-0.7x	0.38-0.5x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	32.3%-10.4pp	29.8%-58.2pp	7.7%+6.6pp	42.9%-9.2pp	42.7%-10.8pp	87.9%+25.7pp	1.0%-55.6pp	52.1%-42.6pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Synovus Financial Corp. SNV	FY2024	$2.0B	$482.5M	24.3%	$6.9B	39/100
BOK Financial Corp BOKF	FY2025	$2.2B	$578.0M	26.6%	$7.6B	63/100
Cullen/Frost Bankers Inc. CFR	FY2025	$2.2B	$648.6M	29.0%	$9.6B	52/100
Commerce Bancshares Inc CBSH	FY2025	$1.8B	$566.3M	32.1%	$8.0B	65/100
Pinnacle Financial Partners, Inc. PNFP	FY2025	$2.4B	$792.0M	32.9%	$14.3B	59/100

Where Synovus Financial Corp. Ranks

Frequently Asked Questions

What is Synovus Financial Corp.'s annual revenue?

Synovus Financial Corp. (SNV) reported $2.0B in total revenue for fiscal year 2024. This represents a -10.4% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Synovus Financial Corp.'s revenue growing?

Synovus Financial Corp. (SNV) revenue declined by 10.4% year-over-year, from $2.2B to $2.0B in fiscal year 2024.

Is Synovus Financial Corp. profitable?

Yes, Synovus Financial Corp. (SNV) reported a net income of $482.5M in fiscal year 2024, with a net profit margin of 24.3%.

How much debt does Synovus Financial Corp. have?

As of fiscal year 2024, Synovus Financial Corp. (SNV) had $3.0B in cash and equivalents against $1.7B in long-term debt.

What is Synovus Financial Corp.'s net profit margin?

Synovus Financial Corp. (SNV) had a net profit margin of 24.3% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

Does Synovus Financial Corp. pay dividends?

Yes, Synovus Financial Corp. (SNV) paid $1.52 per share in dividends during fiscal year 2024.

What is Synovus Financial Corp.'s return on equity (ROE)?

Synovus Financial Corp. (SNV) has a return on equity of 9.2% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

What is Synovus Financial Corp.'s free cash flow?

Synovus Financial Corp. (SNV) generated $764.9M in free cash flow during fiscal year 2024. This represents a -38.8% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Synovus Financial Corp.'s operating cash flow?

Synovus Financial Corp. (SNV) generated $821.0M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are Synovus Financial Corp.'s total assets?

Synovus Financial Corp. (SNV) had $60.2B in total assets as of fiscal year 2024, including both current and long-term assets.

What are Synovus Financial Corp.'s capital expenditures?

Synovus Financial Corp. (SNV) invested $56.2M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.

Does Synovus Financial Corp. buy back shares?

Yes, Synovus Financial Corp. (SNV) spent $272.3M on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.

How many shares does Synovus Financial Corp. have outstanding?

Synovus Financial Corp. (SNV) had 141M shares outstanding as of fiscal year 2024.

What is Synovus Financial Corp.'s debt-to-equity ratio?

Synovus Financial Corp. (SNV) had a debt-to-equity ratio of 0.33 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Synovus Financial Corp.'s return on assets (ROA)?

Synovus Financial Corp. (SNV) had a return on assets of 0.8% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is Synovus Financial Corp.'s Piotroski F-Score?

Synovus Financial Corp. (SNV) has a Piotroski F-Score of 5 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Synovus Financial Corp.'s earnings high quality?

Synovus Financial Corp. (SNV) has an earnings quality ratio of 1.70x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Synovus Financial Corp.?

Synovus Financial Corp. (SNV) scores 39 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.