FIFTH THIRD BANCORP (1FTHB.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1FTHB - US3167731005 - Common Stock
35.04 EUR
+35.04 (+Infinity%)
We assign a fundamental rating of 4 out of 10 to 1FTHB. 1FTHB was compared to 102 industry peers in the Banks industry. 1FTHB has a bad profitability rating. Also its financial health evaluation is rather negative. 1FTHB is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year 1FTHB was profitable.
1FTHB had a positive operating cash flow in the past year.
Each year in the past 5 years 1FTHB has been profitable.
In the past 5 years 1FTHB always reported a positive cash flow from operatings.
1.2 Ratios
With a decent Return On Assets value of 1.01%, 1FTHB is doing good in the industry, outperforming 70.65% of the companies in the same industry.
Looking at the Return On Equity, with a value of 10.55%, 1FTHB is in line with its industry, outperforming 52.17% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.01% | ||
| ROE | 10.55% | ||
| ROIC | N/A |
ROA(3y)1.06%
ROA(5y)1.01%
ROE(3y)11.98%
ROE(5y)10.72%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a decent Profit Margin value of 25.29%, 1FTHB is doing good in the industry, outperforming 69.57% of the companies in the same industry.
In the last couple of years the Profit Margin of 1FTHB has declined.
1FTHB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 25.29% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-8.98%
PM growth 5Y-2.45%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
1FTHB does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, 1FTHB has less shares outstanding
The number of shares outstanding for 1FTHB has been reduced compared to 5 years ago.
The debt/assets ratio for 1FTHB is higher compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of 1FTHB is 4.72, which is a neutral value as it means it would take 1FTHB, 4.72 years of fcf income to pay off all of its debts.
With an excellent Debt to FCF ratio value of 4.72, 1FTHB belongs to the best of the industry, outperforming 93.48% of the companies in the same industry.
A Debt/Equity ratio of 0.74 indicates that 1FTHB is somewhat dependend on debt financing.
1FTHB has a Debt to Equity ratio of 0.74. This is amongst the best in the industry. 1FTHB outperforms 81.52% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.74 | ||
| Debt/FCF | 4.72 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.03%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
1FTHB shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -6.12%.
Measured over the past 5 years, 1FTHB shows a small growth in Earnings Per Share. The EPS has been growing by 3.25% on average per year.
Looking at the last year, 1FTHB shows a decrease in Revenue. The Revenue has decreased by -0.88% in the last year.
Measured over the past years, 1FTHB shows a small growth in Revenue. The Revenue has been growing by 0.35% on average per year.
EPS 1Y (TTM)-6.12%
EPS 3Y-3.88%
EPS 5Y3.25%
EPS Q2Q%-4.05%
Revenue 1Y (TTM)-0.88%
Revenue growth 3Y2.44%
Revenue growth 5Y0.35%
Sales Q2Q%2.01%
3.2 Future
The Earnings Per Share is expected to grow by 4.13% on average over the next years.
The Revenue is expected to grow by 4.75% on average over the next years.
EPS Next Y10.57%
EPS Next 2Y12.13%
EPS Next 3Y12.06%
EPS Next 5Y4.13%
Revenue Next Year4.69%
Revenue Next 2Y4.86%
Revenue Next 3Y4.75%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 12.34 indicates a correct valuation of 1FTHB.
1FTHB's Price/Earnings ratio is a bit more expensive when compared to the industry. 1FTHB is more expensive than 77.17% of the companies in the same industry.
When comparing the Price/Earnings ratio of 1FTHB to the average of the S&P500 Index (26.92), we can say 1FTHB is valued rather cheaply.
A Price/Forward Earnings ratio of 9.72 indicates a reasonable valuation of 1FTHB.
The rest of the industry has a similar Price/Forward Earnings ratio as 1FTHB.
1FTHB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.46.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.34 | ||
| Fwd PE | 9.72 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, 1FTHB is valued cheaper than 81.52% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.27 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
1FTHB's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
A more expensive valuation may be justified as 1FTHB's earnings are expected to grow with 12.06% in the coming years.
PEG (NY)1.17
PEG (5Y)3.8
EPS Next 2Y12.13%
EPS Next 3Y12.06%
5. Dividend
5.1 Amount
1FTHB has a Yearly Dividend Yield of 3.86%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 4.31, 1FTHB is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.00, 1FTHB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.86% |
5.2 History
On average, the dividend of 1FTHB grows each year by 9.40%, which is quite nice.
Dividend Growth(5Y)9.4%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
55.09% of the earnings are spent on dividend by 1FTHB. This is a bit on the high side, but may be sustainable.
The dividend of 1FTHB is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP55.09%
EPS Next 2Y12.13%
EPS Next 3Y12.06%
BIT:1FTHB (5/19/2025, 7:00:00 PM)
35.04
+35.04 (+Infinity%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners229.6%
Inst Owner ChangeN/A
Ins Owners1.25%
Ins Owner ChangeN/A
Market Cap23.39B
Revenue(TTM)8.51B
Net Income(TTM)2.15B
Analysts78.57
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.86% |
Yearly Dividend1.54
Dividend Growth(5Y)9.4%
DP55.09%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-3.03%
Min EPS beat(2)-5.16%
Max EPS beat(2)-0.9%
EPS beat(4)1
Avg EPS beat(4)-3.03%
Min EPS beat(4)-6.37%
Max EPS beat(4)0.31%
EPS beat(8)4
Avg EPS beat(8)0.87%
EPS beat(12)4
Avg EPS beat(12)-1.62%
EPS beat(16)5
Avg EPS beat(16)-0.96%
Revenue beat(2)0
Avg Revenue beat(2)-3.25%
Min Revenue beat(2)-3.59%
Max Revenue beat(2)-2.91%
Revenue beat(4)0
Avg Revenue beat(4)-3.31%
Min Revenue beat(4)-3.59%
Max Revenue beat(4)-2.91%
Revenue beat(8)0
Avg Revenue beat(8)-2.61%
Revenue beat(12)0
Avg Revenue beat(12)-2.88%
Revenue beat(16)1
Avg Revenue beat(16)-2.78%
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.34 | ||
| Fwd PE | 9.72 | ||
| P/S | 3.11 | ||
| P/FCF | 8.27 | ||
| P/OCF | 7.22 | ||
| P/B | 1.3 | ||
| P/tB | 1.93 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.84
EY8.11%
EPS(NY)3.6
Fwd EY10.28%
FCF(TTM)4.23
FCFY12.08%
OCF(TTM)4.85
OCFY13.84%
SpS11.25
BVpS26.96
TBVpS18.15
PEG (NY)1.17
PEG (5Y)3.8
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.01% | ||
| ROE | 10.55% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 25.29% | ||
| GM | N/A | ||
| FCFM | 37.64% |
ROA(3y)1.06%
ROA(5y)1.01%
ROE(3y)11.98%
ROE(5y)10.72%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-8.98%
PM growth 5Y-2.45%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.74 | ||
| Debt/FCF | 4.72 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 92.83% | ||
| Cap/Sales | 5.47% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 148.86% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC14.03%
ROIC/WACCN/A
Cap/Depr(3y)108%
Cap/Depr(5y)118.53%
Cap/Sales(3y)5.84%
Cap/Sales(5y)6.17%
Profit Quality(3y)181.46%
Profit Quality(5y)124.36%
High Growth Momentum
Growth
EPS 1Y (TTM)-6.12%
EPS 3Y-3.88%
EPS 5Y3.25%
EPS Q2Q%-4.05%
EPS Next Y10.57%
EPS Next 2Y12.13%
EPS Next 3Y12.06%
EPS Next 5Y4.13%
Revenue 1Y (TTM)-0.88%
Revenue growth 3Y2.44%
Revenue growth 5Y0.35%
Sales Q2Q%2.01%
Revenue Next Year4.69%
Revenue Next 2Y4.86%
Revenue Next 3Y4.75%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-3.61%
EBIT Next 3Y6.48%
EBIT Next 5YN/A
FCF growth 1Y-42.5%
FCF growth 3Y6.17%
FCF growth 5Y9.16%
OCF growth 1Y-39.44%
OCF growth 3Y1.46%
OCF growth 5Y9.14%
FIFTH THIRD BANCORP / 1FTHB.MI FAQ
What is the fundamental rating for 1FTHB stock?
ChartMill assigns a fundamental rating of 4 / 10 to 1FTHB.MI.
What is the valuation status of FIFTH THIRD BANCORP (1FTHB.MI) stock?
ChartMill assigns a valuation rating of 5 / 10 to FIFTH THIRD BANCORP (1FTHB.MI). This can be considered as Fairly Valued.
How profitable is FIFTH THIRD BANCORP (1FTHB.MI) stock?
FIFTH THIRD BANCORP (1FTHB.MI) has a profitability rating of 3 / 10.
Can you provide the expected EPS growth for 1FTHB stock?
The Earnings per Share (EPS) of FIFTH THIRD BANCORP (1FTHB.MI) is expected to grow by 10.57% in the next year.
Is the dividend of FIFTH THIRD BANCORP sustainable?
The dividend rating of FIFTH THIRD BANCORP (1FTHB.MI) is 4 / 10 and the dividend payout ratio is 55.09%.