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STOCKS

Zions Bancorporation National Association (ZION)

NASDAQ:ZION

ZION

Zions Bancorporation National Association

RESEARCH TOOLSreports

Zions Bancorporation National Association (ZION) Ratios

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Zions Bancorporation National Association Ratios

ZION's free cash flow for Q4 2025 was $0.71. For the 2025 fiscal year, ZION's free cash flow was decreased by $ and operating cash flow was $0.27. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.16	0.16	0.16	0.16	0.17
Quick Ratio	0.16	0.16	0.16	0.16	0.17
Cash Ratio	0.04	0.04	0.04	0.03	0.02
Solvency Ratio	0.01	0.01	0.01	0.01	0.01
Operating Cash Flow Ratio	0.01	0.01	0.01	0.01	0.02
Short-Term Operating Cash Flow Coverage	0.35	0.38	0.34	0.22	0.14
Net Current Asset Value	$ -69.63B	$ -69.63B	$ -69.64B	$ -68.63B	$ -70.35B
Leverage Ratios
Debt-to-Assets Ratio	0.05	0.05	0.05	0.05	0.12
Debt-to-Equity Ratio	0.61	0.61	0.71	0.80	2.26
Debt-to-Capital Ratio	0.38	0.38	0.42	0.44	0.69
Long-Term Debt-to-Capital Ratio	0.17	0.17	0.13	0.09	0.12
Financial Leverage Ratio	12.39	12.39	14.50	15.32	18.30
Debt Service Coverage Ratio	0.22	0.23	0.17	0.15	0.10
Interest Coverage Ratio	0.75	0.75	0.54	0.59	6.23
Debt to Market Cap	0.54	0.50	0.55	0.70	1.50
Interest Debt Per Share	40.13	40.11	42.32	40.96	74.99
Net Debt to EBITDA	1.16	1.13	0.76	2.28	7.19
Profitability Margins
Gross Profit Margin	67.05%	67.05%	61.25%	64.51%	90.80%
EBIT Margin	23.77%	23.77%	20.27%	19.16%	34.52%
EBITDA Margin	25.48%	26.11%	22.75%	22.19%	37.82%
Operating Profit Margin	23.77%	23.77%	20.27%	19.16%	34.52%
Pretax Profit Margin	23.77%	23.77%	20.27%	19.16%	34.52%
Net Profit Margin	18.18%	18.18%	15.70%	14.71%	27.18%
Continuous Operations Profit Margin	18.18%	18.18%	15.70%	14.71%	27.18%
Net Income Per EBT	76.51%	76.51%	77.47%	76.75%	78.73%
EBT Per EBIT	100.00%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	1.01%	1.01%	0.88%	0.78%	1.01%
Return on Equity (ROE)	13.33%	12.52%	12.80%	11.95%	18.54%
Return on Capital Employed (ROCE)	11.22%	11.22%	11.08%	10.75%	15.41%
Return on Invested Capital (ROIC)	6.74%	6.74%	6.25%	5.55%	5.07%
Return on Tangible Assets	1.02%	1.02%	0.89%	0.79%	1.03%
Earnings Yield	11.31%	10.44%	9.82%	10.49%	12.29%
Efficiency Ratios
Receivables Turnover	0.00	0.00	13.24	12.07	8.65
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	3.63	3.66	3.30	2.37
Asset Turnover	0.06	0.06	0.06	0.05	0.04
Working Capital Turnover Ratio	-0.07	-0.07	-0.08	-0.07	-0.06
Cash Conversion Cycle	0.00	0.00	27.56	30.23	42.22
Days of Sales Outstanding	0.00	0.00	27.56	30.23	42.22
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	0.00	27.56	30.23	42.22
Cash Flow Ratios
Operating Cash Flow Per Share	6.82	7.49	7.80	5.99	9.80
Free Cash Flow Per Share	6.00	6.67	7.14	5.23	8.53
CapEx Per Share	0.82	0.82	0.66	0.76	1.27
Free Cash Flow to Operating Cash Flow	0.88	0.89	0.92	0.87	0.87
Dividend Paid and CapEx Coverage Ratio	2.59	2.84	2.97	2.24	3.20
Capital Expenditure Coverage Ratio	8.29	9.11	11.84	7.83	7.74
Operating Cash Flow Coverage Ratio	0.23	0.25	0.26	0.19	0.13
Operating Cash Flow to Sales Ratio	0.20	0.22	0.23	0.19	0.44
Free Cash Flow Yield	11.03%	11.39%	13.16%	11.91%	17.35%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	8.84	9.58	10.19	9.53	8.13
Price-to-Sales (P/S) Ratio	1.62	1.74	1.60	1.40	2.21
Price-to-Book (P/B) Ratio	1.11	1.20	1.30	1.14	1.51
Price-to-Free Cash Flow (P/FCF) Ratio	9.06	8.78	7.60	8.40	5.76
Price-to-Operating Cash Flow Ratio	7.92	7.81	6.96	7.32	5.02
Price-to-Earnings Growth (PEG) Ratio	1.12	0.42	0.74	-0.38	-0.55
Price-to-Fair Value	1.11	1.20	1.30	1.14	1.51
Enterprise Value Multiple	7.50	7.80	7.79	8.60	13.03
Enterprise Value	9.45B	10.07B	8.85B	8.82B	16.45B
EV to EBITDA	7.50	7.80	7.79	8.60	13.03
EV to Sales	1.91	2.04	1.77	1.91	4.93
EV to Free Cash Flow	10.72	10.27	8.42	11.43	12.85
EV to Operating Cash Flow	9.42	9.14	7.71	9.97	11.19
Tangible Book Value Per Share	41.41	41.39	34.45	31.35	25.51
Shareholders’ Equity Per Share	48.83	48.81	41.60	38.52	32.61
Tax and Other Ratios
Effective Tax Rate	0.23	0.23	0.23	0.23	0.21
Revenue Per Share	33.62	33.61	33.92	31.30	22.24
Net Income Per Share	6.11	6.11	5.33	4.60	6.04
Tax Burden	0.77	0.77	0.77	0.77	0.79
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.01	0.00	0.00	0.00	0.00
SG&A to Revenue	0.30	0.31	0.27	0.29	0.39
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	<0.01	<0.01
Income Quality	1.12	1.23	1.46	1.30	1.62

Currency in USD