Regions Financial Corporation (RF) Key Metrics
RF valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $23.39B
- Enterprise value
- $29.19B
- P/E (TTM)
- 11.2 10-yr median 10.9
- Forward P/E
- 9.4
- PEG ratio
- 1.45
- Price / sales
- 3.2 10-yr median 2.5
- Price / book
- 1.3 10-yr median 1.1
- EV / EBITDA
- — 10-yr median 0.7
- Dividend yield
- 4.37% $1.20 a year
- Beta
- 1.06
RF key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsRF valuation Price multiples at each fiscal year-end price.
RF returns How much profit the business earns on the capital it uses.
RF per-share figures Results divided by the shares outstanding at year-end.
RF financial health Debt, liquidity and how easily interest is covered.
RF efficiency & capital use Working capital cycle and where the cash goes.
RF valuation history
RF returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
RF debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
RF cash returned to shareholders
RF price vs earnings per share
RF key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $23.85B | $21.59B | $18.18B | $20.31B | $20.99B | $15.51B | $17.14B | $14.74B | $20.70B | $18.11B |
| Enterprise value | −$9.73B | −$6.07B | −$14.40B | −$16.47B | −$34.39B | −$25.68B | $351.8M | $2.50B | $1.76B | −$1.70B |
| P/E ratio | 11.1 | 11.4 | 8.8 | 9.0 | 8.3 | 14.2 | 10.8 | 8.4 | 16.4 | 15.6 |
| Price / sales | 2.5 | 2.3 | 2.0 | 2.7 | 3.2 | 2.3 | 2.6 | 2.3 | 3.5 | 3.1 |
| Price / book | 1.3 | 1.2 | 1.0 | 1.3 | 0.1 | 0.1 | 1.1 | 1.0 | 1.3 | 1.1 |
| Price / free cash flow | 11.1 | 14.9 | 8.5 | 7.2 | 7.1 | 6.8 | 6.7 | 6.7 | 9.2 | 9.2 |
| Price / operating cash flow | 10.9 | 13.5 | 7.9 | 6.5 | 6.9 | 6.7 | 6.6 | 6.5 | 9.0 | 8.9 |
| EV / sales | -1.0 | -0.6 | -1.6 | -2.2 | -5.2 | -3.9 | 0.1 | 0.4 | 0.3 | -0.3 |
| EV / EBITDA | — | — | — | — | — | — | 0.1 | 1.0 | 0.7 | — |
| EV / free cash flow | — | — | — | — | — | — | 0.1 | 1.1 | 0.8 | — |
| Earnings yield | 9.0% | 8.8% | 11.4% | 11.1% | 12.0% | 7.1% | 9.2% | 11.9% | 6.1% | 6.4% |
| Free cash flow yield | 9.0% | 6.7% | 11.8% | 13.9% | 14.1% | 14.6% | 14.9% | 14.9% | 10.9% | 10.9% |
| Dividend yield | 4.2% | 4.6% | 4.9% | 3.8% | 3.4% | 4.5% | 3.8% | 3.5% | 2.0% | 2.1% |
| Shareholder yield (dividends + buybacks) | 10.1% | 8.5% | 6.3% | 4.9% | 8.0% | 6.7% | 10.2% | 17.9% | 8.1% | 6.7% |
| Share price at fiscal year-end | $27.10 | $23.52 | $19.38 | $21.56 | $21.80 | $16.12 | $17.16 | $13.38 | $17.28 | $14.36 |
| Per share | ||||||||||
| Revenue per share | $10.92 | $10.21 | $9.76 | $7.94 | $6.86 | $6.91 | $6.70 | $5.77 | $4.95 | $4.62 |
| Earnings per share | $2.45 | $2.06 | $2.21 | $2.38 | $2.62 | $1.14 | $1.58 | $1.60 | $1.05 | $0.92 |
| Operating cash flow per share | $2.48 | $1.74 | $2.46 | $3.29 | $3.15 | $2.42 | $2.58 | $2.06 | $1.92 | $1.62 |
| Free cash flow per share | $2.44 | $1.58 | $2.29 | $2.99 | $3.07 | $2.35 | $2.56 | $2.00 | $1.88 | $1.56 |
| Cash per share | $43.71 | $37.21 | $37.21 | $41.57 | $60.12 | $46.89 | $26.75 | $23.84 | $23.02 | $21.95 |
| Book value per share | $21.64 | $19.48 | $18.58 | $16.93 | $166.70 | $149.50 | $16.31 | $13.69 | $13.52 | $13.21 |
| Tangible book value per share | $14.97 | $11.95 | $11.28 | $9.72 | $159.98 | $143.67 | $11.01 | $8.83 | $8.99 | $8.89 |
| Dividends per share | $1.14 | $1.08 | $0.94 | $0.81 | $0.74 | $0.73 | $0.66 | $0.47 | $0.34 | $0.30 |
| Capex per share | $0.03 | $0.16 | $0.17 | $0.31 | $0.07 | $0.06 | $0.02 | $0.06 | $0.03 | $0.05 |
| Debt per share | $5.55 | $7.07 | $2.48 | $2.53 | $2.60 | $4.08 | $9.94 | $12.73 | $7.21 | $6.24 |
| Shares outstanding | 880.0M | 918.0M | 938.0M | 942.0M | 963.0M | 962.0M | 999.0M | 1.10B | 1.20B | 1.26B |
| Change in shares outstanding | −4.1% | −2.1% | −0.4% | −2.2% | +0.1% | −3.7% | −9.3% | −8.0% | −5.0% | −5.5% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 11.7% | 10.7% | 12.4% | 2.5% | 1.7% | 1.4% | 10.1% | 11.2% | 7.7% | 6.9% |
| Return on invested capital (ROIC) | — | — | — | — | 2.4% | 2.1% | — | — | — | — |
| Return on assets (ROA) | 1.4% | 1.2% | 1.3% | 1.4% | 1.6% | 0.8% | 1.3% | 1.4% | 1.0% | 0.9% |
| Return on tangible assets | 1.4% | 1.3% | 1.4% | 1.5% | 1.6% | 0.8% | 1.3% | 1.5% | 1.1% | 1.0% |
| Free cash flow margin | 22.4% | 15.5% | 23.5% | 37.6% | 44.8% | 34.1% | 38.2% | 34.6% | 38.0% | 33.9% |
| Income quality (OCF / net income) | 1.01 | 0.84 | 1.11 | 1.38 | 1.20 | 2.12 | 1.63 | 1.29 | 1.82 | 1.75 |
| Financial health | ||||||||||
| Total debt | $4.88B | $6.49B | $2.33B | $2.38B | $2.50B | $3.92B | $9.93B | $14.02B | $8.63B | $7.87B |
| Cash & short-term investments | $38.47B | $34.16B | $34.91B | $39.16B | $57.89B | $45.11B | $26.72B | $26.27B | $27.57B | $27.68B |
| Net debt | −$33.58B | −$27.66B | −$32.58B | −$36.78B | −$55.39B | −$41.19B | −$16.79B | −$12.24B | −$18.94B | −$19.81B |
| Debt / equity | 0.26 | 0.36 | 0.13 | 0.15 | 0.02 | 0.03 | 0.61 | 0.93 | 0.53 | 0.47 |
| Debt / assets | 0.03 | 0.04 | 0.02 | 0.02 | 0.02 | 0.03 | 0.08 | 0.11 | 0.07 | 0.06 |
| Net debt / EBITDA | −11.88 | −11.07 | −11.46 | −11.39 | −15.45 | −23.74 | −6.96 | −5.07 | −7.90 | −8.85 |
| Current ratio | 0.30 | 0.27 | 0.28 | 0.01 | 0.65 | 0.56 | 0.27 | 0.28 | 0.29 | 1.06 |
| Quick ratio | 0.30 | 0.27 | 0.30 | 0.01 | 0.98 | 0.78 | 0.32 | 0.28 | 0.29 | 1.06 |
| Interest coverage | 1.3 | 1.0 | 1.7 | 9.1 | 19.3 | 3.6 | 2.3 | 3.2 | 5.0 | 5.3 |
| Working capital | −$92.33B | −$93.38B | −$92.27B | −$111.96B | −$31.66B | −$35.91B | −$72.44B | −$69.45B | −$69.48B | $5.20B |
| Invested capital | −$14.54B | −$9.78B | −$15.15B | −$20.83B | $105.14B | $102.63B | −$496.0M | $2.85B | −$2.75B | −$3.15B |
| Tangible asset value | $13.23B | $11.00B | $10.65B | $9.16B | $154.06B | $138.21B | $11.00B | $9.73B | $10.78B | $11.21B |
| Net current asset value | −$100.90B | −$104.67B | −$99.18B | −$137.62B | $55.80B | $41.89B | −$82.86B | −$83.96B | −$80.19B | −$16.15B |
| Graham number | $34.54 | $30.06 | $30.40 | $30.13 | $99.09 | $61.85 | $24.11 | $22.18 | $17.91 | $16.56 |
| Graham net-net per share | −$115.40 | −$114.17 | −$107.24 | −$105.86 | $42.42 | $33.93 | −$85.31 | −$76.24 | −$66.98 | −$64.51 |
| Capital allocation | ||||||||||
| Dividends paid | $1.00B | $994.0M | $885.0M | $762.0M | $716.0M | $698.0M | $656.0M | $516.0M | $410.0M | $381.0M |
| Share buybacks (net) | $1.42B | $848.0M | $252.0M | $230.0M | $967.0M | $346.0M | $1.10B | $2.12B | $1.27B | $839.0M |
| Dividend payout ratio | 46.5% | 52.5% | 42.7% | 33.9% | 28.4% | 63.8% | 41.5% | 29.3% | 32.5% | 32.8% |
| Dividends + buybacks / free cash flow | 112.5% | 126.9% | 52.9% | 35.3% | 56.9% | 46.1% | 68.7% | 119.7% | 74.7% | 61.8% |
| Capex / revenue | 0.3% | 1.6% | 1.7% | 3.8% | 1.1% | 0.9% | 0.4% | 1.1% | 0.7% | 1.1% |
| Capex / operating cash flow | 1.4% | 9.1% | 6.8% | 9.3% | 2.4% | 2.5% | 0.9% | 3.1% | 1.8% | 3.1% |
| Capex / depreciation | 0.36 | 1.01 | 0.67 | 0.82 | 0.19 | 0.14 | 0.06 | 0.15 | 0.08 | 0.11 |
| Stock-based compensation / revenue | 0.3% | — | 0.7% | 0.8% | −11.8% | 16.7% | 4.6% | 0.8% | 1.0% | 0.9% |
| SG&A / revenue | 30.6% | 28.2% | 27.6% | 32.3% | 35.6% | 33.6% | 30.5% | 33.5% | 34.7% | 35.0% |
| Efficiency | ||||||||||
| Days sales outstanding | 21.7 | 23.1 | 22.4 | 20.2 | 18.4 | 19.5 | 20.1 | 20.4 | 20.2 | 20.0 |
| Days of inventory on hand | — | — | -213.3 | -9,242.2 | 24,572.1 | -2,457.1 | -662.7 | 29.3 | 58.7 | 58.6 |
| Days payables outstanding | — | — | — | 84,197.2 | -133,706.0 | 23,640.5 | 28,436.5 | 42,131.3 | 70,524.9 | 60,873.9 |
| Cash conversion cycle (days) | — | — | — | -93,419.1 | 158,296.5 | -26,078.2 | -29,079.2 | -42,081.6 | -70,446.1 | -60,795.4 |
| Receivables turnover | 16.81 | 15.81 | 16.27 | 18.03 | 19.86 | 18.77 | 18.17 | 17.87 | 18.09 | 18.25 |
| Payables turnover | — | — | — | 0.00 | −0.00 | 0.02 | 0.01 | 0.01 | 0.01 | 0.01 |
| Inventory turnover | — | — | — | — | — | — | — | 12.47 | 6.22 | 6.23 |
| Asset turnover | 0.06 | 0.06 | 0.06 | 0.05 | 0.04 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 |
| Average receivables | $571.5M | $593.0M | $562.5M | $415.0M | $332.5M | $354.0M | $368.5M | $356.0M | $328.0M | $319.0M |
| Average payables | — | — | — | $135.41B | $130.78B | $109.98B | $95.98B | $95.69B | $97.96B | $98.73B |
| Average inventory | — | — | −$1.25B | −$14.86B | −$24.03B | −$11.43B | −$2.24B | $66.5M | $81.5M | $95.0M |
| Intangibles / total assets | 3.7% | 4.4% | 4.5% | 4.4% | 4.0% | 3.8% | 4.2% | 4.3% | 4.4% | 4.3% |
Computed from RF's annual financial statements (latest annual report filed February 24, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
RF valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), Regions Financial traded at 11.1 times earnings, against a 10-year median of 10.9. Based on the latest twelve months, the trailing P/E is 11.2 and the forward P/E is 9.4. Regions Financial earned a return on equity of 11.7% in fiscal 2025. It ended the year with $4.9 billion of debt and $38.5 billion in cash and short-term investments, a net cash position of $33.6 billion. It returned $2.4 billion to shareholders: $1.0 billion in dividends and $1.4 billion in share buybacks, 113% of free cash flow. The share count fell 30.2% from 1.26B to 880.0M over 9 years.
See the RF income statement, the RF chart for price history, or the RF stock overview for the latest quote and news.
RF key metrics FAQ
What is Regions Financial's P/E ratio?
Regions Financial's trailing P/E ratio is 11.2 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 9.4. At the end of fiscal 2025 it was 11.1, compared with a 10-year median of 10.9.
What is Regions Financial's return on equity?
Regions Financial's return on equity (ROE) was 11.7% in fiscal 2025: net income of $2.2 billion on average shareholders' equity of $18.5 billion.
How much debt does Regions Financial have?
Regions Financial had total debt of $4.9 billion at the end of fiscal 2025, a debt-to-equity ratio of 0.26 and more cash than debt.
What is Regions Financial's dividend yield?
Regions Financial's forward dividend yield is 4.37%. Regions Financial paid $1.0 billion in dividends in fiscal 2025 ($1.14 per share), a payout ratio of 46.5%.
Does Regions Financial buy back its shares?
Yes. Regions Financial spent $1.4 billion on net share repurchases in fiscal 2025 Shares outstanding changed −4.1% over the year, to 880.0M..
What is Regions Financial's free cash flow yield?
Regions Financial generated $2.2 billion of free cash flow in fiscal 2025, a free cash flow yield of 9.0% on its market value at year-end ($23.8 billion).
What is Regions Financial's current ratio?
Regions Financial's current ratio was 0.30 at the end of fiscal 2025: current assets were 0.30 times current liabilities.