FIFTH THIRD BANCORP (1FTHB.MI) Fundamental Analysis & Valuation

BIT:1FTHB • US3167731005

Current stock price

35.04 EUR
+35.04 (+Infinity%)
Last:

This 1FTHB.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. 1FTHB.MI Profitability Analysis

1.1 Basic Checks

  • 1FTHB had positive earnings in the past year.
  • 1FTHB had a positive operating cash flow in the past year.
  • Each year in the past 5 years 1FTHB has been profitable.
  • 1FTHB had a positive operating cash flow in each of the past 5 years.
1FTHB.MI Yearly Net Income VS EBIT VS OCF VS FCF1FTHB.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

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 RankSector 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
1FTHB.MI Yearly ROA, ROE, ROIC1FTHB.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

  • The Profit Margin of 1FTHB (25.29%) is better than 69.57% of its industry peers.
  • 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 RankSector 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
1FTHB.MI Yearly Profit, Operating, Gross Margins1FTHB.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. 1FTHB.MI Health Analysis

2.1 Basic Checks

  • 1FTHB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • 1FTHB has less shares outstanding than it did 1 year ago.
  • 1FTHB has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for 1FTHB is higher compared to a year ago.
1FTHB.MI Yearly Shares Outstanding1FTHB.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M
1FTHB.MI Yearly Total Debt VS Total Assets1FTHB.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B 200B

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.
  • 1FTHB has a Debt to FCF ratio of 4.72. This is amongst the best in the industry. 1FTHB outperforms 93.48% of its industry peers.
  • A Debt/Equity ratio of 0.74 indicates that 1FTHB is somewhat dependend on debt financing.
  • 1FTHB has a better Debt to Equity ratio (0.74) than 81.52% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.74
Debt/FCF 4.72
Altman-Z N/A
ROIC/WACCN/A
WACC14.03%
1FTHB.MI Yearly LT Debt VS Equity VS FCF1FTHB.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
1FTHB.MI Yearly Current Assets VS Current Liabilites1FTHB.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. 1FTHB.MI Growth Analysis

3.1 Past

  • 1FTHB shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -6.12%.
  • 1FTHB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.25% yearly.
  • 1FTHB shows a decrease in Revenue. In the last year, the revenue decreased by -0.88%.
  • 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.
  • Based on estimates for the next years, 1FTHB will show a small growth in Revenue. The Revenue will grow by 4.75% on average per year.
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

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • 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.
1FTHB.MI Yearly Revenue VS Estimates1FTHB.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2B 4B 6B 8B 10B
1FTHB.MI Yearly EPS VS Estimates1FTHB.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 1 2 3 4

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5

4. 1FTHB.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 12.34, the valuation of 1FTHB can be described as correct.
  • 77.17% of the companies in the same industry are cheaper than 1FTHB, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 27.38. 1FTHB is valued rather cheaply when compared to this.
  • The Price/Forward Earnings ratio is 9.72, which indicates a very decent valuation of 1FTHB.
  • 1FTHB's Price/Forward Earnings is on the same level as the industry average.
  • 1FTHB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 38.20.
Industry RankSector Rank
PE 12.34
Fwd PE 9.72
1FTHB.MI Price Earnings VS Forward Price Earnings1FTHB.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

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 RankSector Rank
P/FCF 8.27
EV/EBITDA N/A
1FTHB.MI Per share data1FTHB.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

  • 1FTHB's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • 1FTHB's earnings are expected to grow with 12.06% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.17
PEG (5Y)3.8
EPS Next 2Y12.13%
EPS Next 3Y12.06%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. 1FTHB.MI Dividend Analysis

5.1 Amount

  • 1FTHB has a Yearly Dividend Yield of 3.86%.
  • 1FTHB's Dividend Yield is slightly below the industry average, which is at 4.56.
  • 1FTHB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 3.86%

5.2 History

  • The dividend of 1FTHB is nicely growing with an annual growth rate of 9.40%!
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%
1FTHB.MI Yearly Income VS Free CF VS Dividend1FTHB.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B
1FTHB.MI Dividend Payout.1FTHB.MI Dividend Payout, showing the Payout Ratio.1FTHB.MI Dividend Payout.PayoutRetained Earnings

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1FTHB.MI Fundamentals: All Metrics, Ratios and Statistics

FIFTH THIRD BANCORP

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)04-17
Earnings (Next)07-17
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 RankSector 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 RankSector 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 Number0 (-100%)
Profitability
Industry RankSector 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 RankSector 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 Fundamental Analysis 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 for 1FTHB stock?

ChartMill assigns a valuation rating of 5 / 10 to FIFTH THIRD BANCORP (1FTHB.MI). This can be considered as Fairly Valued.


Can you provide the profitability details for FIFTH THIRD BANCORP?

FIFTH THIRD BANCORP (1FTHB.MI) has a profitability rating of 3 / 10.


What is the valuation of FIFTH THIRD BANCORP based on its PE and PB ratios?

The Price/Earnings (PE) ratio for FIFTH THIRD BANCORP (1FTHB.MI) is 12.34 and the Price/Book (PB) ratio is 1.3.


What is the earnings growth outlook for FIFTH THIRD BANCORP?

The Earnings per Share (EPS) of FIFTH THIRD BANCORP (1FTHB.MI) is expected to grow by 10.57% in the next year.