Zions Bancorporation National Association (0M3L) Ratios
Zions Bancorporation National Association Ratios
GB:0M3L's free cash flow for Q3 2026 was $0.00. For the 2026 fiscal year, GB:0M3L's free cash flow was increased by $0.00 and operating cash flow was $0.00. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.16 | 0.16 | 0.16 | 0.17 | 0.42 |
| Quick Ratio | 0.16 | 0.16 | 0.16 | 0.17 | 0.42 |
| Cash Ratio | 0.04 | 0.04 | 0.03 | 0.02 | 0.13 |
| Solvency Ratio | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Operating Cash Flow Ratio | 0.01 | 0.01 | 0.01 | 0.02 | 0.01 |
| Short-Term Operating Cash Flow Coverage | 0.38 | 0.34 | 0.22 | 0.14 | 0.70 |
| Net Current Asset Value | $ -69.63B | $ -69.64B | $ -68.63B | $ -70.35B | $ -50.48B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.05 | 0.05 | 0.05 | 0.12 | 0.02 |
| Debt-to-Equity Ratio | 0.61 | 0.71 | 0.80 | 2.26 | 0.26 |
| Debt-to-Capital Ratio | 0.38 | 0.42 | 0.44 | 0.69 | 0.20 |
| Long-Term Debt-to-Capital Ratio | 0.17 | 0.13 | 0.09 | 0.12 | 0.12 |
| Financial Leverage Ratio | 12.39 | 14.50 | 15.32 | 18.30 | 12.49 |
| Debt Service Coverage Ratio | 0.23 | 0.17 | 0.15 | 0.10 | 1.16 |
| Interest Coverage Ratio | 0.75 | 0.54 | 0.59 | 6.23 | 24.51 |
| Debt to Market Cap | 0.50 | 0.55 | 0.70 | 1.50 | 0.19 |
| Interest Debt Per Share | 40.11 | 42.32 | 40.96 | 74.99 | 12.34 |
| Net Debt to EBITDA | 1.13 | 0.76 | 2.28 | 7.19 | -6.26 |
| Profitability Margins | |||||
| Gross Profit Margin | 67.05% | 61.25% | 64.51% | 90.80% | 107.31% |
| EBIT Margin | 23.77% | 20.27% | 19.16% | 34.52% | 48.69% |
| EBITDA Margin | 26.11% | 22.75% | 22.19% | 37.82% | 48.22% |
| Operating Profit Margin | 23.77% | 20.27% | 19.16% | 34.52% | 48.69% |
| Pretax Profit Margin | 23.77% | 20.27% | 19.16% | 34.52% | 48.69% |
| Net Profit Margin | 18.18% | 15.70% | 14.71% | 27.18% | 38.01% |
| Continuous Operations Profit Margin | 18.18% | 15.70% | 14.71% | 27.18% | 38.01% |
| Net Income Per EBT | 76.51% | 77.47% | 76.75% | 78.73% | 78.08% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 1.01% | 0.88% | 0.78% | 1.01% | 1.21% |
| Return on Equity (ROE) | 12.52% | 12.80% | 11.95% | 18.54% | 15.13% |
| Return on Capital Employed (ROCE) | 11.22% | 11.08% | 10.75% | 15.41% | 15.21% |
| Return on Invested Capital (ROIC) | 6.74% | 6.25% | 5.55% | 5.07% | 10.84% |
| Return on Tangible Assets | 1.02% | 0.89% | 0.79% | 1.03% | 1.22% |
| Earnings Yield | 10.44% | 9.82% | 10.49% | 12.29% | 11.18% |
| Efficiency Ratios | |||||
| Receivables Turnover | 0.00 | 13.24 | 12.07 | 8.65 | 9.08 |
| Payables Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 3.63 | 3.66 | 3.30 | 2.37 | 2.25 |
| Asset Turnover | 0.06 | 0.06 | 0.05 | 0.04 | 0.03 |
| Working Capital Turnover Ratio | -0.07 | -0.08 | -0.07 | -0.06 | -0.06 |
| Cash Conversion Cycle | 0.00 | 27.56 | 30.23 | 42.22 | 40.19 |
| Days of Sales Outstanding | 0.00 | 27.56 | 30.23 | 42.22 | 40.19 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Cycle | 0.00 | 27.56 | 30.23 | 42.22 | 40.19 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 7.49 | 7.80 | 5.99 | 9.80 | 3.93 |
| Free Cash Flow Per Share | 6.67 | 7.14 | 5.23 | 8.53 | 2.65 |
| Dividend Paid and CapEx Coverage Ratio | 2.84 | 2.97 | 2.24 | 3.20 | 1.35 |
| Capital Expenditure Coverage Ratio | 9.11 | 11.84 | 7.83 | 7.74 | 3.05 |
| Operating Cash Flow Coverage Ratio | 0.25 | 0.26 | 0.19 | 0.13 | 0.33 |
| Operating Cash Flow to Sales Ratio | 0.22 | 0.23 | 0.19 | 0.44 | 0.21 |
| Free Cash Flow Yield | 11.39% | 13.16% | 11.91% | 17.35% | 4.19% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 9.63 | 10.96 | 9.53 | 8.13 | 8.95 |
| Price-to-Sales (P/S) Ratio | 1.74 | 1.60 | 1.40 | 2.21 | 3.40 |
| Price-to-Book (P/B) Ratio | 1.20 | 1.30 | 1.14 | 1.51 | 1.35 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 8.78 | 7.60 | 8.40 | 5.76 | 23.88 |
| Price-to-Operating Cash Flow Ratio | 7.81 | 6.96 | 7.32 | 5.02 | 16.06 |
| Price-to-Earnings Growth (PEG) Ratio | 0.42 | 0.79 | -0.38 | -0.55 | 0.07 |
| Enterprise Value Multiple | 7.80 | 7.79 | 8.60 | 13.03 | 0.79 |
| Enterprise Value | 10.07B | 8.85B | 8.82B | 16.45B | 1.14B |
| EV to EBITDA | 7.80 | 7.79 | 8.60 | 13.03 | 0.79 |
| EV to Sales | 2.04 | 1.77 | 1.91 | 4.93 | 0.38 |
| EV to Free Cash Flow | 10.27 | 8.42 | 11.43 | 12.85 | 2.69 |
| EV to Operating Cash Flow | 9.14 | 7.71 | 9.97 | 11.19 | 1.81 |
| Tangible Book Value Per Share | 41.39 | 34.45 | 31.35 | 25.51 | 40.32 |
| Shareholders’ Equity Per Share | 48.81 | 41.60 | 38.52 | 32.61 | 46.67 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.23 | 0.23 | 0.23 | 0.21 | 0.22 |
| Revenue Per Share | 33.61 | 33.92 | 31.30 | 22.24 | 18.57 |
| Net Income Per Share | 6.11 | 5.33 | 4.60 | 6.04 | 7.06 |
| Tax Burden | 0.77 | 0.77 | 0.77 | 0.79 | 0.78 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.31 | 0.28 | 0.29 | 0.39 | 0.39 |
| Stock-Based Compensation to Revenue | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Income Quality | 1.23 | 1.46 | 1.30 | 1.62 | 0.56 |
Currency in USD
