Zions Bancorporation, National Association

NAS:ZIONPFinancial Services

$17.30+1.23%At closeAt close · Tue 20 Oct · ≈ AED 63.53 · Market cap $9.25B · Next earnings Tue 26 Jan

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Current · undated	YoY
Gross margin	80.8%	107.3%	90.8%	64.5%	61.2%	67.1%	—	—
Operating margin	22.8%	48.7%	34.5%	19.2%	20.3%	23.8%	23.8%	+0.0 pts
Net margin	18.3%	38.0%	27.2%	14.7%	15.7%	18.2%	18.2%	+0.0 pts
EBITDA margin	25.8%	48.2%	37.8%	22.2%	22.8%	26.1%	—	—
Return on equity	6.8%	15.1%	18.5%	11.9%	12.8%	12.5%	12.5%	+0.0 pts
Return on assets	0.7%	1.2%	1.0%	0.8%	0.9%	1.0%	1.0%	+0.0 pts
Return on capital employed	6.6%	15.2%	15.4%	10.8%	11.1%	11.2%	—	—
Debt / equity	0.4×	0.3×	2.3×	0.8×	0.7×	0.6×	0.6×	+0.0%
Debt / assets	3.6%	2.1%	12.4%	5.2%	4.9%	4.9%	—	—
Interest coverage	4.4×	24.5×	6.2×	0.6×	0.5×	0.8×	—	—
Current ratio	0.2×	0.4×	0.2×	0.2×	0.2×	0.2×	0.2×	+0.0%
Quick ratio	0.2×	0.4×	0.2×	0.2×	0.2×	0.2×	—	—
Cash ratio	0.0×	0.1×	0.0×	0.0×	0.0×	0.0×	0.0×	+0.0%
Asset turnover	0.0×	0.0×	0.0×	0.1×	0.1×	0.1×	—	—
Receivables turnover	9.2×	9.1×	8.6×	12.1×	13.2×	—	—	—
Dividend payout	48.1%	23.1%	29.7%	41.5%	36.9%	29.7%	—	—

Margins, returns, leverage and liquidityUpdated 31 Dec 2025 ·

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Current snapshot ratios have no reporting date and are shown separately from fiscal periods.