Renasant Corporation (RNST) Key Metrics
RNST valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $3.65B
- Enterprise value
- $3.87B
- P/E (TTM)
- 11.8 10-yr median 12.9
- Forward P/E
- 10.4
- PEG ratio
- 1.79
- Price / sales
- 3.4 10-yr median 2.8
- Price / book
- 0.9 10-yr median 0.9
- EV / EBITDA
- — 10-yr median 4.5
- Dividend yield
- 2.41% $0.96 a year
- Beta
- 1.03
RNST key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsRNST valuation Price multiples at each fiscal year-end price.
RNST returns How much profit the business earns on the capital it uses.
RNST per-share figures Results divided by the shares outstanding at year-end.
RNST financial health Debt, liquidity and how easily interest is covered.
RNST efficiency & capital use Working capital cycle and where the cash goes.
RNST valuation history
RNST returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
RNST debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
RNST cash returned to shareholders
RNST price vs earnings per share
RNST key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $3.35B | $2.14B | $1.89B | $2.11B | $2.14B | $1.90B | $2.06B | $1.59B | $1.92B | $1.77B |
| Enterprise value | $3.34B | $751.6M | $903.2M | $1.14B | −$1.64B | $421.5M | $1.22B | $419.7M | $1.27B | $1.10B |
| P/E ratio | 18.5 | 10.9 | 13.1 | 12.7 | 12.2 | 22.7 | 12.3 | 10.8 | 20.8 | 19.5 |
| Price / sales | 2.3 | 2.1 | 2.1 | 3.1 | 3.1 | 2.6 | 3.0 | 2.6 | 3.8 | 3.8 |
| Price / book | 0.9 | 0.8 | 0.8 | 1.0 | 1.0 | 0.1 | 1.0 | 0.8 | 1.3 | 1.4 |
| Price / free cash flow | 14.1 | 18.4 | 14.9 | 3.8 | 17.5 | 35.2 | 16.0 | 26.6 | 9.9 | 11.8 |
| Price / operating cash flow | 12.3 | 16.5 | 12.7 | 3.7 | 15.0 | 23.1 | 12.6 | 19.3 | 9.3 | 10.8 |
| EV / sales | 2.3 | 0.7 | 1.0 | 1.7 | -2.4 | 0.6 | 1.8 | 0.7 | 2.5 | 2.4 |
| EV / EBITDA | 13.7 | 2.7 | 4.3 | 4.5 | — | 3.1 | 5.5 | 2.2 | 7.7 | 7.9 |
| EV / free cash flow | 14.0 | 6.5 | 7.1 | 2.0 | — | 7.8 | 9.5 | 7.0 | 6.5 | 7.3 |
| Earnings yield | 5.4% | 9.2% | 7.7% | 7.9% | 8.2% | 4.4% | 8.1% | 9.3% | 4.8% | 5.1% |
| Free cash flow yield | 7.1% | 5.4% | 6.7% | 26.5% | 5.7% | 2.8% | 6.2% | 3.8% | 10.1% | 8.5% |
| Dividend yield | 2.3% | 2.5% | 2.7% | 2.4% | 2.3% | 2.6% | 2.5% | 2.7% | 1.8% | 1.7% |
| Shareholder yield (dividends + buybacks) | 2.7% | 2.5% | 2.7% | 2.4% | 3.3% | 3.9% | 5.5% | 3.2% | 1.8% | 1.7% |
| Share price at fiscal year-end | $35.22 | $35.75 | $33.68 | $37.59 | $37.95 | $33.68 | $35.42 | $30.18 | $40.89 | $42.22 |
| Per share | ||||||||||
| Revenue per share | $15.17 | $17.37 | $16.20 | $12.29 | $12.33 | $12.96 | $11.95 | $11.51 | $10.78 | $11.12 |
| Earnings per share | $1.90 | $3.27 | $2.58 | $2.95 | $3.12 | $1.48 | $2.88 | $2.79 | $1.96 | $2.17 |
| Operating cash flow per share | $2.85 | $2.17 | $2.65 | $10.21 | $2.53 | $1.46 | $2.81 | $1.56 | $4.41 | $3.90 |
| Free cash flow per share | $2.50 | $1.94 | $2.26 | $9.95 | $2.16 | $0.96 | $2.21 | $1.14 | $4.13 | $3.58 |
| Cash per share | $11.25 | $32.19 | $30.72 | $37.53 | $75.57 | $35.00 | $29.29 | $34.58 | $20.27 | $23.37 |
| Book value per share | $40.82 | $44.83 | $40.92 | $38.00 | $39.16 | $255.98 | $36.51 | $38.84 | $32.23 | $29.38 |
| Tangible book value per share | $24.51 | $26.82 | $21.29 | $18.42 | $20.51 | $237.69 | $18.82 | $19.34 | $17.87 | $16.97 |
| Dividends per share | $0.83 | $0.90 | $0.90 | $0.89 | $0.89 | $0.89 | $0.87 | $0.83 | $0.73 | $0.71 |
| Capex per share | $0.35 | $0.23 | $0.39 | $0.26 | $0.36 | $0.50 | $0.60 | $0.42 | $0.28 | $0.32 |
| Debt per share | $11.09 | $9.01 | $13.13 | $20.29 | $8.60 | $8.79 | $14.87 | $12.38 | $6.33 | $7.44 |
| Shares outstanding | 95.2M | 59.7M | 56.1M | 56.2M | 56.4M | 56.5M | 58.2M | 52.6M | 47.0M | 42.0M |
| Change in shares outstanding | +59.3% | +6.4% | −0.1% | −0.4% | −0.1% | −3.0% | +10.6% | +12.0% | +12.0% | +15.8% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 5.5% | 7.9% | 6.5% | 7.6% | 2.1% | 1.0% | 8.0% | 8.3% | 6.7% | 8.0% |
| Return on invested capital (ROIC) | 7.0% | 15.0% | 11.7% | — | — | 1.2% | 15.5% | 16.9% | 12.9% | 13.8% |
| Return on assets (ROA) | 0.8% | 1.1% | 0.8% | 1.0% | 1.1% | 0.6% | 1.3% | 1.3% | 1.0% | 1.1% |
| Return on tangible assets | 0.7% | 1.2% | 0.9% | 1.0% | 1.1% | 0.6% | 1.4% | 1.2% | 1.0% | 1.1% |
| Free cash flow margin | 16.5% | 11.2% | 14.0% | 80.9% | 17.6% | 7.4% | 18.5% | 9.9% | 38.3% | 32.2% |
| Income quality (OCF / net income) | 1.50 | 0.66 | 1.03 | 3.46 | 0.81 | 0.98 | 0.98 | 0.56 | 2.25 | 1.80 |
| Financial health | ||||||||||
| Total debt | $1.06B | $538.6M | $737.0M | $1.14B | $485.2M | $496.3M | $865.6M | $651.3M | $297.4M | $312.1M |
| Cash & short-term investments | $1.07B | $1.92B | $1.72B | $2.11B | $4.26B | $1.98B | $1.71B | $1.82B | $952.9M | $980.5M |
| Net debt | −$15.2M | −$1.38B | −$987.7M | −$969.6M | −$3.78B | −$1.48B | −$839.9M | −$1.17B | −$655.6M | −$668.3M |
| Debt / equity | 0.27 | 0.20 | 0.32 | 0.53 | 0.22 | 0.03 | 0.41 | 0.32 | 0.20 | 0.25 |
| Debt / assets | 0.04 | 0.03 | 0.04 | 0.07 | 0.03 | 0.03 | 0.06 | 0.05 | 0.03 | 0.04 |
| Net debt / EBITDA | −0.06 | −4.99 | −4.65 | −3.82 | −13.99 | −10.72 | −3.75 | −6.08 | −3.98 | −4.81 |
| Current ratio | 1.93 | 0.14 | 0.13 | 0.16 | 0.31 | 96.30 | 0.17 | 0.18 | 0.13 | 0.14 |
| Quick ratio | 1.93 | 0.14 | 0.20 | 0.16 | 0.45 | 96.02 | 0.21 | 0.18 | 0.12 | 0.14 |
| Interest coverage | 0.5 | 0.7 | 0.6 | 3.5 | 5.0 | 1.5 | 2.2 | 2.9 | 4.2 | 4.8 |
| Working capital | $514.9M | −$12.67B | −$12.55B | −$11.98B | −$9.58B | $2.03B | −$8.91B | −$8.63B | −$7.00B | −$6.14B |
| Invested capital | $3.87B | $1.29B | $1.31B | $1.17B | −$1.57B | $12.97B | $1.29B | $875.3M | $859.4M | $564.5M |
| Tangible asset value | $2.33B | $1.60B | $1.20B | $1.04B | $1.16B | $13.42B | $1.10B | $1.02B | $840.1M | $712.0M |
| Net current asset value | −$21.80B | −$13.35B | −$13.23B | −$12.63B | −$10.26B | $1.58B | −$9.48B | −$9.01B | −$7.30B | −$6.44B |
| Graham number | $41.82 | $57.44 | $48.71 | $50.26 | $52.41 | $92.37 | $48.62 | $49.39 | $37.72 | $37.85 |
| Graham net-net per share | −$229.01 | −$223.74 | −$244.79 | −$225.16 | −$199.23 | $27.69 | −$166.89 | −$171.33 | −$155.55 | −$153.42 |
| Capital allocation | ||||||||||
| Dividends paid | $78.6M | $53.7M | $50.3M | $50.0M | $50.0M | $50.1M | $50.9M | $43.6M | $34.4M | $29.7M |
| Share buybacks (net) | $13.3M | $0 | $0 | $1,000 | $21.3M | $24.6M | $62.9M | $7.1M | $0 | $0 |
| Dividend payout ratio | 43.4% | 27.5% | 34.8% | 30.1% | 28.4% | 59.9% | 30.4% | 29.7% | 37.3% | 32.7% |
| Dividends + buybacks / free cash flow | 38.7% | 46.4% | 39.6% | 8.9% | 58.4% | 138.4% | 88.5% | 84.8% | 17.7% | 19.8% |
| Capex / revenue | 2.3% | 1.3% | 2.4% | 2.1% | 2.9% | 3.9% | 5.0% | 3.7% | 2.6% | 2.9% |
| Capex / operating cash flow | 12.4% | 10.5% | 14.6% | 2.6% | 14.4% | 34.4% | 21.4% | 27.2% | 6.3% | 8.3% |
| Capex / depreciation | 2.08 | 0.42 | 0.61 | 0.35 | 0.43 | 0.82 | 4.27 | 6.40 | 2.70 | 4.39 |
| Stock-based compensation / revenue | 1.2% | 1.3% | 1.5% | 1.7% | 1.4% | 1.4% | 1.5% | 1.2% | 1.0% | 0.7% |
| SG&A / revenue | 26.8% | 28.9% | 32.6% | 39.9% | 42.1% | 42.7% | 41.8% | 41.4% | 42.8% | 44.1% |
| Efficiency | ||||||||||
| Days sales outstanding | — | 35.3 | 45.3 | 49.4 | 40.1 | 40.7 | 39.3 | 36.9 | 38.4 | 33.3 |
| Days of inventory on hand | — | — | -607.7 | -4,153.4 | -8,225.4 | -481.1 | -709.3 | 68.2 | 157.7 | 300.3 |
| Days payables outstanding | — | — | — | 59,243.8 | 111,454.0 | 25,695.8 | 35,031.2 | 45,662.6 | 60,213.8 | 67,920.2 |
| Cash conversion cycle (days) | — | — | — | -63,347.8 | -119,639.2 | -26,136.1 | -35,701.3 | -45,557.6 | -60,017.8 | -67,586.5 |
| Receivables turnover | — | 10.34 | 8.05 | 7.38 | 9.09 | 8.97 | 9.29 | 9.90 | 9.51 | 10.95 |
| Payables turnover | — | — | — | 0.01 | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Inventory turnover | — | — | — | — | — | — | — | 5.35 | 2.31 | 1.22 |
| Asset turnover | 0.06 | 0.06 | 0.05 | 0.04 | 0.04 | 0.05 | 0.05 | 0.05 | 0.05 | 0.06 |
| Average receivables | — | $100.4M | $113.0M | $93.6M | $76.5M | $81.6M | $74.9M | $61.2M | $53.3M | $42.6M |
| Average payables | — | — | — | $13.70B | $12.98B | $11.14B | $10.17B | $9.02B | $7.49B | $6.64B |
| Average inventory | — | — | −$488.8M | −$960.2M | −$958.1M | −$208.5M | −$205.9M | $13.5M | $19.6M | $29.4M |
| Intangibles / total assets | 5.8% | 6.0% | 6.3% | 6.5% | 6.3% | 6.9% | 7.7% | 7.9% | 6.9% | 6.0% |
Computed from RNST's annual financial statements (latest annual report filed March 2, 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.
RNST valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), Renasant traded at 18.5 times earnings, against a 10-year median of 12.9. Based on the latest twelve months, the trailing P/E is 11.8 and the forward P/E is 10.4. Renasant earned a return on equity of 5.5% and a return on invested capital of 7.0% in fiscal 2025. It ended the year with $1.1 billion of debt and $1.1 billion in cash and short-term investments, a net cash position of $15.2 million. It returned $91.9 million to shareholders: $78.6 million in dividends and $13.3 million in share buybacks, 39% of free cash flow. The share count rose 126.8% from 42.0M to 95.2M over 9 years.
See the RNST income statement, the RNST chart for price history, or the RNST stock overview for the latest quote and news.
RNST key metrics FAQ
What is Renasant's P/E ratio?
Renasant's trailing P/E ratio is 11.8 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 10.4. At the end of fiscal 2025 it was 18.5, compared with a 10-year median of 12.9.
What is Renasant's EV/EBITDA?
Renasant's enterprise value was 13.7 times EBITDA at the end of fiscal 2025 (enterprise value $3.3 billion, EBITDA $242.9 million).
What is Renasant's return on equity?
Renasant's return on equity (ROE) was 5.5% in fiscal 2025: net income of $181.3 million on average shareholders' equity of $3.3 billion.
What is Renasant's ROIC?
Renasant's return on invested capital was 7.0% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does Renasant have?
Renasant had total debt of $1.1 billion at the end of fiscal 2025, a debt-to-equity ratio of 0.27 and more cash than debt.
What is Renasant's dividend yield?
Renasant's forward dividend yield is 2.41%. Renasant paid $78.6 million in dividends in fiscal 2025 ($0.83 per share), a payout ratio of 43.4%.
Does Renasant buy back its shares?
Yes. Renasant spent $13.3 million on net share repurchases in fiscal 2025 Shares outstanding changed +59.3% over the year, to 95.2M..
What is Renasant's free cash flow yield?
Renasant generated $237.8 million of free cash flow in fiscal 2025, a free cash flow yield of 7.1% on its market value at year-end ($3.4 billion).
What is Renasant's current ratio?
Renasant's current ratio was 1.93 at the end of fiscal 2025: current assets were 1.93 times current liabilities.