RF (Regions Financial Corporation) Stock Financials & Earnings | Market Cap Arena

RF (Regions Financial Corporation) Stock Financials & Earnings | Market Cap Arena

RFRegions Financial Corporation

Mkt Cap$24B

Financial Services·Banks - Regional·🇺🇸 United States·NYSE

Revenue (TTM)$9.6B

Net Income (TTM)$2.2B

EPS (TTM)$2.29

Free Cash Flow (TTM)$2.1B

Gross Margin74.6%

Op. Margin28.5%

Net Margin22.4%

FCF Margin22.4%

P/S Ratio (TTM)2.5x

P/E Ratio (TTM)11.0x

YoY Rev Growth+2.5%

Employees—

Earnings Reports

Revenue & Profitability

Quarter	Revenue	Gross Profit	Op. Income
Q1 23	$2.2B	$1.8B	$789M
Q2 23	$2.3B	$1.8B	$728M
Q3 23	$2.3B	$1.7B	$619M
Q4 23	$2.3B	$1.7B	$471M
Q1 24	$2.3B	$1.6B	$464M
Q2 24	$2.3B	$1.6B	$625M
Q3 24	$2.4B	$1.7B	$608M
Q4 24	$2.4B	$1.7B	$657M
Q1 25	$2.3B	$1.7B	$621M
Q2 25	$2.4B	$1.8B	$706M
Q3 25	$2.5B	$1.8B	$708M
Q4 25	$2.4B	$1.9B	$708M

Revenue Breakdown

Valuation

Quarter	P/S	P/E
Q1 23	2.9x	10.3x
Q2 23	2.8x	10.3x
Q3 23	2.6x	10.0x
Q4 23	2.6x	11.4x
Q1 24	2.6x	12.9x
Q2 24	2.6x	13.5x
Q3 24	2.5x	13.5x
Q4 24	2.5x	12.5x
Q1 25	2.5x	11.8x
Q2 25	2.5x	11.4x
Q3 25	2.5x	11.0x
Q4 25	2.5x	11.0x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q1 23	$196M	$178M
Q2 23	$397M	$376M
Q3 23	$860M	$763M
Q4 23	$855M	$834M
Q1 24	$396M	$277M
Q2 24	$161M	$154M
Q3 24	$1.3B	$1.3B
Q4 24	-$220M	-$229M
Q1 25	$1.1B	$1.1B
Q2 25	$573M	$559M
Q3 25	$861M	$853M
Q4 25	-$319M	-$324M

Capital Expenditures

CapEx

Quarter	CapEx
Q1 23	$18M
Q2 23	$21M
Q3 23	$97M
Q4 23	$21M
Q1 24	$119M
Q2 24	$7M
Q3 24	$11M
Q4 24	$9M
Q1 25	$5M
Q2 25	$14M
Q3 25	$8M
Q4 25	$5M

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q1 23	+32.9%	+48.4%
Q2 23	+29.0%	+50.4%
Q3 23	+19.7%	+23.6%
Q4 23	+8.4%	+45.6%
Q1 24	+5.1%	+31.5%
Q2 24	-0.3%	+6.0%
Q3 24	+2.6%	+4.1%
Q4 24	+2.5%	-6.9%
Q1 25	+1.2%	-7.1%
Q2 25	+5.3%	+2.5%
Q3 25	+2.6%	-2.1%
Q4 25	+0.9%	-1.7%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q1 23	$0	0.0%
Q2 23	$0	0.0%
Q3 23	$0	0.0%
Q4 23	$0	0.0%
Q1 24	$0	0.0%
Q2 24	$0	0.0%
Q3 24	$0	0.0%
Q4 24	$0	0.0%
Q1 25	$0	0.0%
Q2 25	$0	0.0%
Q3 25	-$7M	-0.3%
Q4 25	$7M	0.3%

OpEx Breakdown

Quarter	G&A	S&M
Q1 23	$641M	$27M
Q2 23	$632M	$26M
Q3 23	$616M	$26M
Q4 23	$608M	$31M
Q1 24	$701M	$27M
Q2 24	$638M	$27M
Q3 24	$662M	$28M
Q4 24	$528M	$28M
Q1 25	$645M	$30M
Q2 25	$678M	$26M
Q3 25	$686M	$28M
Q4 25	$820M	$28M

War Chest

Quarter	Cash	Short-term Investments	Total
Q1 23	$8.8B	$25.1B	$34.0B
Q2 23	$9.9B	$24.3B	$34.2B
Q3 23	$9.0B	$23.2B	$32.3B
Q4 23	$6.8B	$28.1B	$34.9B
Q1 24	$11.3B	$25.6B	$36.8B
Q2 24	$8.5B	$26.0B	$34.5B
Q3 24	$10.5B	$25.9B	$36.4B
Q4 24	$10.7B	$23.4B	$34.2B
Q1 25	$14.3B	$23.1B	$37.4B
Q2 25	$11.2B	$23.6B	$34.8B
Q3 25	$3.1B	$9.0B	$12.1B
Q4 25	$10.9B	$27.6B	$38.5B

Shares Outstanding

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change
Q1 23	942M	+0.1%
Q2 23	939M	-0.3%
Q3 23	940M	+0.1%
Q4 23	931M	-1.0%
Q1 24	923M	-0.9%
Q2 24	918M	-0.5%
Q3 24	918M	+0.0%
Q4 24	915M	-0.3%
Q1 25	910M	-0.5%
Q2 25	900M	-1.1%
Q3 25	894M	-0.7%
Q4 25	880M	-1.6%

Revenue Per Employee

Revenue / Employee

Year	Revenue/Employee	Employees
FY 14	$233K	24K
FY 15	$237K	24K
FY 16	$263K	22K
FY 17	$273K	22K
FY 18	$319K	20K
FY 19	$342K	20K
FY 20	$342K	19K
FY 21	$336K	20K
FY 22	$373K	20K
FY 23	$455K	20K
FY 24	$477K	20K
FY 25	$481K	20K