RF FY 2025 Earnings Report — Regions Financial Corporation Revenue & Financial Results | Market Cap Arena

Regions Financial CorporationRF

FY 2025 Earnings

Reported February 24, 2026

Quarter Comparison

Revenue

Operating Income

Gross Margin

Net Margin

EPS (Diluted)

Free Cash Flow

Metric	FY 2025	Prior Q	FY 2024	QoQ Change	YoY Change
Revenue	$9.6B	—	$9.4B	—	2.5%
Op. Income	$2.7B	—	$2.4B	—	16.5%
Gross Margin	74.6%	—	70.4%	—	4.3pp
Net Margin	22.4%	—	20.2%	—	2.2pp
EPS (Diluted)	$2.29	—	$1.93	—	18.7%
Free Cash Flow	$2.2B	—	$1.5B	—	50.2%

Revenue Flow

Item	Amount
REVENUE	$9.6B
Cost of Revenue	$2.4B
GROSS PROFIT	$7.2B
R&D Expenses	$0
Selling & Marketing	$112M
General & Administrative	$2.8B
SG&A Expenses	$2.9B
Other Expenses	$1.5B
Operating Expenses	$4.4B
Cost & Expenses	$6.9B
OPERATING INCOME	$2.7B
Interest Income	$7.1B
Interest Expense	$2.1B
Other Income/Expenses	$0
INCOME BEFORE TAX	$2.7B
Income Tax Expense	$587M
Net Income from Continuing Ops	$2.2B
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$2.2B
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$2.1B
D&A	$62M
EBIT	$2.7B
EBITDA	$2.8B
EPS	$2
EPS Diluted	$2

Income Statement

Item	Amount
REVENUE	$9.6B
Cost of Revenue	$2.4B
GROSS PROFIT	$7.2B
R&D Expenses	$0
Selling & Marketing	$112M
General & Administrative	$2.8B
SG&A Expenses	$2.9B
Other Expenses	$1.5B
Operating Expenses	$4.4B
Cost & Expenses	$6.9B
OPERATING INCOME	$2.7B
Interest Income	$7.1B
Interest Expense	$2.1B
Other Income/Expenses	$0
INCOME BEFORE TAX	$2.7B
Income Tax Expense	$587M
Net Income from Continuing Ops	$2.2B
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$2.2B
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$2.1B
D&A	$62M
EBIT	$2.7B
EBITDA	$2.8B
EPS	$2
EPS Diluted	$2

Cash Flow Statement

Item	Amount
Net Income	$2.2B
Depreciation & Amortization	$84M
Stock-Based Compensation	$27M
Deferred Income Tax	$78M
Other Non-Cash Items	$525M
Change in Working Capital	-$689M
OPERATING CASH FLOW	$2.2B
Capital Expenditure	$0
Acquisitions (Net)	$0
Purchases of Investments	-$7.3B
Sales/Maturities of Investments	$5.3B
Other Investing Activities	$718M
NET CASH FROM INVESTING	-$1.4B
Net Debt Issuance	-$1.6B
Common Stock Repurchased	-$1.4B
Common Dividends Paid	-$912M
Other Financing Activities	$3.5B
NET CASH FROM FINANCING	-$568M
FREE CASH FLOW	$2.2B
Net Change in Cash	$195M

Balance Sheet

Item	Amount
Cash & Equivalents	$10.9B
Short-Term Investments	$27.6B
Net Receivables	$571M
Inventory	$0
Other Current Assets	$511M
TOTAL CURRENT ASSETS	$39.5B
PP&E (Net)	$1.7B
Goodwill	$5.7B
Intangible Assets	$140M
Long-Term Investments	$5.6B
Tax Assets	$0
Other Non-Current Assets	$94.1B
TOTAL NON-CURRENT ASSETS	$107.2B
TOTAL ASSETS	$159.6B
Account Payables	$0
Short-Term Debt	$750M
Deferred Revenue	$0
Other Current Liabilities	$131.1B
TOTAL CURRENT LIABILITIES	$131.9B
Long-Term Debt	$4.1B
Deferred Revenue NC	$0
Deferred Tax Liabilities	$0
Other Non-Current Liabilities	$0
TOTAL NON-CURRENT LIABILITIES	$4.1B
TOTAL LIABILITIES	$140.4B
Common Stock	$9M
Additional Paid-In Capital	$10.4B
Retained Earnings	$10.2B
Treasury Stock	-$1.4B
Accum. Other Comp. Income	-$1.5B
Other Equity	$0
TOTAL STOCKHOLDERS' EQUITY	$19.0B
Minority Interest	$60M
TOTAL EQUITY	$19.1B
TOTAL LIABILITIES & EQUITY	$159.6B
Total Debt	$4.9B
Net Debt	-$6.0B