Pinnacle Financial Partners (PNFP) Ratios
Pinnacle Financial Partners Ratios
MX:PNFP's free cash flow for Q3 2026 was $0.00. For the 2026 fiscal year, MX:PNFP'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 | 1.07 | 0.21 | 0.17 | 0.14 | 0.29 |
| Quick Ratio | 1.07 | 0.21 | 0.17 | 0.14 | 0.29 |
| Cash Ratio | 0.07 | 0.08 | 0.06 | 0.03 | 0.13 |
| Solvency Ratio | 0.01 | 0.01 | 0.02 | 0.02 | 0.02 |
| Operating Cash Flow Ratio | 0.02 | 0.02 | 0.01 | 0.02 | 0.02 |
| Short-Term Operating Cash Flow Coverage | 2.40 | 3.93 | 2.28 | 3.10 | 4.31 |
| Net Current Asset Value | $ 1.09B | $ -37.02B | $ -35.25B | $ -31.58B | $ -24.13B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.04 | 0.05 | 0.06 | 0.03 | 0.04 |
| Debt-to-Equity Ratio | 0.36 | 0.39 | 0.46 | 0.20 | 0.28 |
| Debt-to-Capital Ratio | 0.26 | 0.28 | 0.31 | 0.16 | 0.22 |
| Long-Term Debt-to-Capital Ratio | 0.24 | 0.26 | 0.30 | 0.14 | 0.20 |
| Financial Leverage Ratio | 8.19 | 8.18 | 7.95 | 7.60 | 7.24 |
| Debt Service Coverage Ratio | 0.48 | 0.37 | 0.49 | 1.42 | 2.31 |
| Interest Coverage Ratio | 0.63 | 0.44 | 0.65 | 2.85 | 6.60 |
| Debt to Market Cap | 0.34 | 0.29 | 0.42 | 0.19 | 0.20 |
| Interest Debt Per Share | 48.99 | 50.52 | 50.83 | 17.54 | 20.71 |
| Net Debt to EBITDA | -1.17 | -1.19 | 0.79 | -0.08 | -3.62 |
| Profitability Margins | |||||
| Gross Profit Margin | 65.91% | 49.08% | 52.12% | 79.83% | 90.55% |
| EBIT Margin | 26.69% | 20.37% | 28.85% | 45.02% | 53.61% |
| EBITDA Margin | 30.60% | 23.82% | 32.03% | 49.04% | 57.99% |
| Operating Profit Margin | 26.69% | 20.37% | 28.85% | 45.02% | 53.61% |
| Pretax Profit Margin | 26.69% | 20.37% | 28.85% | 45.02% | 53.61% |
| Net Profit Margin | 21.97% | 16.65% | 22.72% | 36.19% | 43.36% |
| Continuous Operations Profit Margin | 21.97% | 16.65% | 22.72% | 36.19% | 43.36% |
| Net Income Per EBT | 82.33% | 81.74% | 78.73% | 80.39% | 80.89% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 1.11% | 0.90% | 1.17% | 1.34% | 1.37% |
| Return on Equity (ROE) | 9.12% | 7.39% | 9.31% | 10.16% | 9.93% |
| Return on Capital Employed (ROCE) | 8.43% | 6.14% | 7.81% | 10.27% | 9.31% |
| Return on Invested Capital (ROIC) | 6.71% | 4.90% | 6.01% | 8.02% | 7.37% |
| Return on Tangible Assets | 1.15% | 0.94% | 1.22% | 1.40% | 1.44% |
| Earnings Yield | 8.75% | 5.43% | 8.48% | 10.09% | 7.32% |
| Efficiency Ratios | |||||
| Receivables Turnover | 0.08 | 13.33 | 11.38 | 9.61 | 12.31 |
| Payables Turnover | 2.62 | 26.13 | 17.69 | 16.05 | 9.19 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 8.60 | 9.17 | 9.63 | 4.73 | 4.22 |
| Asset Turnover | 0.05 | 0.05 | 0.05 | 0.04 | 0.03 |
| Working Capital Turnover Ratio | -0.19 | -0.09 | -0.08 | -0.06 | -0.06 |
| Cash Conversion Cycle | 4723.45 | 13.41 | 11.45 | 15.23 | -10.05 |
| Days of Sales Outstanding | 4862.55 | 27.38 | 32.08 | 37.97 | 29.66 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 139.11 | 13.97 | 20.63 | 22.75 | 39.71 |
| Operating Cycle | 4862.55 | 27.38 | 32.08 | 37.97 | 29.66 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 9.87 | 11.83 | 6.29 | 7.99 | 8.71 |
| Free Cash Flow Per Share | 8.65 | 10.56 | 5.26 | 7.14 | 8.40 |
| Dividend Paid and CapEx Coverage Ratio | 4.13 | 4.99 | 2.95 | 4.09 | 7.00 |
| Capital Expenditure Coverage Ratio | 8.09 | 9.32 | 6.11 | 9.40 | 28.37 |
| Operating Cash Flow Coverage Ratio | 0.30 | 0.36 | 0.17 | 0.56 | 0.45 |
| Operating Cash Flow to Sales Ratio | 0.26 | 0.32 | 0.19 | 0.39 | 0.54 |
| Free Cash Flow Yield | 9.06% | 9.23% | 6.04% | 9.72% | 8.80% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 11.71 | 19.03 | 11.79 | 9.91 | 13.67 |
| Price-to-Sales (P/S) Ratio | 2.51 | 3.06 | 2.68 | 3.59 | 5.93 |
| Price-to-Book (P/B) Ratio | 1.04 | 1.36 | 1.10 | 1.01 | 1.36 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 11.03 | 10.83 | 16.57 | 10.28 | 11.36 |
| Price-to-Operating Cash Flow Ratio | 9.67 | 9.67 | 13.86 | 9.19 | 10.96 |
| Price-to-Earnings Growth (PEG) Ratio | 0.33 | -1.15 | 0.00 | 1.64 | 0.20 |
| Enterprise Value Multiple | 7.04 | 11.67 | 9.16 | 7.23 | 6.60 |
| Enterprise Value | 6.30B | 7.93B | 7.26B | 5.50B | 4.65B |
| EV to EBITDA | 7.04 | 11.67 | 9.16 | 7.23 | 6.60 |
| EV to Sales | 2.15 | 2.78 | 2.93 | 3.55 | 3.83 |
| EV to Free Cash Flow | 9.47 | 9.83 | 18.14 | 10.17 | 7.34 |
| EV to Operating Cash Flow | 8.30 | 8.77 | 15.17 | 9.09 | 7.08 |
| Tangible Book Value Per Share | 67.14 | 59.65 | 54.74 | 48.03 | 45.81 |
| Shareholders’ Equity Per Share | 91.56 | 84.12 | 79.40 | 72.88 | 70.37 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.18 | 0.18 | 0.21 | 0.20 | 0.19 |
| Revenue Per Share | 37.99 | 37.32 | 32.55 | 20.46 | 16.11 |
| Net Income Per Share | 8.35 | 6.21 | 7.40 | 7.40 | 6.99 |
| Tax Burden | 0.82 | 0.82 | 0.79 | 0.80 | 0.81 |
| 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 | 0.32 | 0.24 | 0.23 | 0.35 | 0.38 |
| Stock-Based Compensation to Revenue | 0.01 | 0.01 | 0.02 | 0.03 | 0.02 |
| Income Quality | 1.18 | 1.90 | 0.85 | 1.08 | 1.25 |
Currency in USD