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Renasant (RNST) Ratios
Renasant Ratios
RNST's free cash flow for Q2 2026 was $76.41M. For the 2026 fiscal year, RNST's free cash flow was decreased by $-6.02M and operating cash flow was $82.43M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 1.93 | 0.14 | 0.13 | 0.16 | 0.31 |
| Quick Ratio | 1.93 | 0.14 | 0.13 | 0.16 | 0.31 |
| Cash Ratio | 1.93 | 0.07 | 0.06 | 0.04 | 0.13 |
| Solvency Ratio | 0.01 | 0.01 | 0.01 | 0.01 | 0.02 |
| Operating Cash Flow Ratio | 0.49 | 0.01 | 0.01 | 0.04 | 0.01 |
| Short-Term Operating Cash Flow Coverage | 0.49 | 1.20 | 0.48 | 0.81 | 10.23 |
| Net Current Asset Value | $ -21.80B | $ -13.35B | $ -13.23B | $ -12.63B | $ -10.26B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.04 | 0.03 | 0.04 | 0.07 | 0.03 |
| Debt-to-Equity Ratio | 0.27 | 0.20 | 0.32 | 0.53 | 0.22 |
| Debt-to-Capital Ratio | 0.21 | 0.17 | 0.24 | 0.35 | 0.18 |
| Long-Term Debt-to-Capital Ratio | 0.11 | 0.14 | 0.16 | 0.17 | 0.18 |
| Financial Leverage Ratio | 6.89 | 6.73 | 7.56 | 7.95 | 7.61 |
| Debt Service Coverage Ratio | 0.19 | 0.47 | 0.31 | 0.27 | 3.81 |
| Interest Coverage Ratio | 0.49 | 0.65 | 0.64 | 3.49 | 4.99 |
| Debt to Market Cap | 0.32 | 0.25 | 0.39 | 0.54 | 0.23 |
| Interest Debt Per Share | 16.02 | 15.40 | 18.08 | 21.48 | 9.44 |
| Net Debt to EBITDA | -0.06 | -2.00 | -0.30 | 2.22 | -5.16 |
| Profitability Margins | |||||
| Gross Profit Margin | 60.82% | 62.92% | 67.73% | 87.79% | 93.89% |
| EBIT Margin | 15.70% | 23.60% | 19.48% | 30.58% | 32.03% |
| EBITDA Margin | 16.82% | 26.71% | 23.35% | 36.76% | 38.84% |
| Operating Profit Margin | 15.70% | 23.60% | 19.48% | 30.58% | 32.03% |
| Pretax Profit Margin | 15.70% | 23.60% | 19.48% | 30.58% | 32.03% |
| Net Profit Margin | 12.55% | 18.83% | 15.90% | 24.03% | 25.28% |
| Continuous Operations Profit Margin | 12.55% | 18.83% | 15.90% | 24.03% | 25.28% |
| Net Income Per EBT | 79.95% | 79.79% | 81.65% | 78.59% | 78.94% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 0.68% | 1.08% | 0.83% | 0.98% | 1.05% |
| Return on Equity (ROE) | 4.67% | 7.30% | 6.30% | 7.77% | 7.96% |
| Return on Capital Employed (ROCE) | 0.87% | 7.30% | 5.95% | 7.58% | 7.71% |
| Return on Invested Capital (ROIC) | 0.68% | 5.65% | 4.41% | 4.74% | 6.06% |
| Return on Tangible Assets | 0.72% | 1.15% | 0.89% | 1.05% | 1.12% |
| Earnings Yield | 5.45% | 9.21% | 7.65% | 7.90% | 8.26% |
| Efficiency Ratios | |||||
| Receivables Turnover | 0.00 | 11.90 | 8.02 | 6.14 | 9.32 |
| 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 | 3.10 | 3.71 | 3.21 | 2.44 | 2.37 |
| Asset Turnover | 0.05 | 0.06 | 0.05 | 0.04 | 0.04 |
| Working Capital Turnover Ratio | -0.24 | -0.08 | -0.07 | -0.06 | -0.07 |
| Cash Conversion Cycle | 0.00 | 30.67 | 45.54 | 59.45 | 39.16 |
| Days of Sales Outstanding | 0.00 | 30.67 | 45.54 | 59.45 | 39.16 |
| 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 | 30.67 | 45.54 | 59.45 | 39.16 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 2.87 | 2.18 | 2.65 | 10.27 | 2.54 |
| Free Cash Flow Per Share | 2.52 | 1.95 | 2.26 | 10.00 | 2.18 |
| Dividend Paid and CapEx Coverage Ratio | 2.42 | 1.92 | 2.07 | 8.85 | 2.02 |
| Capital Expenditure Coverage Ratio | 8.05 | 9.49 | 6.87 | 38.69 | 6.95 |
| Operating Cash Flow Coverage Ratio | 0.26 | 0.24 | 0.20 | 0.50 | 0.29 |
| Operating Cash Flow to Sales Ratio | 0.19 | 0.12 | 0.16 | 0.83 | 0.21 |
| Free Cash Flow Yield | 7.15% | 5.46% | 6.71% | 26.61% | 5.74% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 16.85 | 10.87 | 13.07 | 12.65 | 12.11 |
| Price-to-Sales (P/S) Ratio | 2.30 | 2.04 | 2.08 | 3.04 | 3.06 |
| Price-to-Book (P/B) Ratio | 0.86 | 0.79 | 0.82 | 0.98 | 0.96 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 13.99 | 18.33 | 14.90 | 3.76 | 17.43 |
| Price-to-Operating Cash Flow Ratio | 12.26 | 16.39 | 12.73 | 3.66 | 14.93 |
| Price-to-Earnings Growth (PEG) Ratio | -0.46 | 0.39 | -1.00 | -2.48 | 0.11 |
| Enterprise Value Multiple | 13.63 | 5.66 | 8.60 | 10.49 | 2.73 |
| Enterprise Value | 3.31B | 1.57B | 1.83B | 2.67B | 736.76M |
| EV to EBITDA | 13.63 | 5.66 | 8.60 | 10.49 | 2.73 |
| EV to Sales | 2.29 | 1.51 | 2.01 | 3.86 | 1.06 |
| EV to Free Cash Flow | 13.93 | 13.55 | 14.39 | 4.77 | 6.03 |
| EV to Operating Cash Flow | 12.20 | 12.12 | 12.30 | 4.64 | 5.16 |
| Tangible Book Value Per Share | 24.69 | 27.00 | 21.29 | 18.53 | 20.62 |
| Shareholders’ Equity Per Share | 41.12 | 45.13 | 40.92 | 38.21 | 39.38 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.20 | 0.20 | 0.18 | 0.21 | 0.21 |
| Revenue Per Share | 15.29 | 17.49 | 16.20 | 12.36 | 12.40 |
| Net Income Per Share | 1.92 | 3.29 | 2.58 | 2.97 | 3.13 |
| Tax Burden | 0.80 | 0.80 | 0.82 | 0.79 | 0.79 |
| 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 | 0.27 | 0.29 | 0.31 | 0.38 | 0.40 |
| Stock-Based Compensation to Revenue | 0.01 | 0.01 | 0.02 | 0.02 | 0.01 |
| Income Quality | 1.50 | 0.66 | 1.03 | 3.46 | 0.81 |
Currency in USD
