46.81 USD
-0.72 (-1.51%)
46.27 USD
-0.54 (-1.15%)
We assign a fundamental rating of 3 out of 10 to FITB. FITB was compared to 388 industry peers in the Banks industry. Both the profitability and financial health of FITB have multiple concerns. While showing a medium growth rate, FITB is valued expensive at the moment. Finally FITB also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year FITB was profitable.
FITB had a positive operating cash flow in the past year.
In the past 5 years FITB has always been profitable.
FITB had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.06%, FITB is in the better half of the industry, outperforming 67.27% of the companies in the same industry.
FITB's Return On Equity of 10.70% is fine compared to the rest of the industry. FITB outperforms 70.36% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.06% | ||
| ROE | 10.7% | ||
| 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 Profit Margin value of 25.32%, FITB perfoms like the industry average, outperforming 56.70% of the companies in the same industry.
In the last couple of years the Profit Margin of FITB has declined.
The Operating Margin and Gross Margin are not available for FITB so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 25.32% | ||
| 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
FITB does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, FITB has less shares outstanding
FITB has less shares outstanding than it did 5 years ago.
FITB has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of FITB is 4.88, which is a neutral value as it means it would take FITB, 4.88 years of fcf income to pay off all of its debts.
FITB has a Debt to FCF ratio of 4.88. This is in the lower half of the industry: FITB underperforms 71.39% of its industry peers.
FITB has a Debt/Equity ratio of 0.67. This is a neutral value indicating FITB is somewhat dependend on debt financing.
The Debt to Equity ratio of FITB (0.67) is worse than 81.70% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.67 | ||
| Debt/FCF | 4.88 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.36%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
FITB shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -0.30%.
The Earnings Per Share has been growing slightly by 3.25% on average over the past years.
Looking at the last year, FITB shows a small growth in Revenue. The Revenue has grown by 5.35% in the last year.
Measured over the past years, FITB shows a small growth in Revenue. The Revenue has been growing by 0.35% on average per year.
EPS 1Y (TTM)-0.3%
EPS 3Y-3.88%
EPS 5Y3.25%
EPS Q2Q%7.06%
Revenue 1Y (TTM)5.35%
Revenue growth 3Y2.44%
Revenue growth 5Y0.35%
Sales Q2Q%7.86%
3.2 Future
The Earnings Per Share is expected to grow by 4.60% on average over the next years.
Based on estimates for the next years, FITB will show a quite strong growth in Revenue. The Revenue will grow by 14.49% on average per year.
EPS Next Y9.49%
EPS Next 2Y9.06%
EPS Next 3Y14.58%
EPS Next 5Y4.6%
Revenue Next Year5.46%
Revenue Next 2Y16.93%
Revenue Next 3Y14.49%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
FITB is valuated correctly with a Price/Earnings ratio of 13.97.
FITB's Price/Earnings ratio is a bit more expensive when compared to the industry. FITB is more expensive than 60.82% of the companies in the same industry.
When comparing the Price/Earnings ratio of FITB to the average of the S&P500 Index (26.51), we can say FITB is valued slightly cheaper.
FITB is valuated correctly with a Price/Forward Earnings ratio of 12.11.
Based on the Price/Forward Earnings ratio, FITB is valued a bit more expensive than 64.43% of the companies in the same industry.
FITB is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.13, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.97 | ||
| Fwd PE | 12.11 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of FITB is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.6 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
FITB'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 FITB's earnings are expected to grow with 14.58% in the coming years.
PEG (NY)1.47
PEG (5Y)4.3
EPS Next 2Y9.06%
EPS Next 3Y14.58%
5. Dividend
5.1 Amount
FITB has a Yearly Dividend Yield of 3.32%. Purely for dividend investing, there may be better candidates out there.
FITB's Dividend Yield is a higher than the industry average which is at 2.74.
FITB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.32% |
5.2 History
The dividend of FITB is nicely growing with an annual growth rate of 9.40%!
FITB has been paying a dividend for at least 10 years, so it has a reliable track record.
FITB has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)9.4%
Div Incr Years14
Div Non Decr Years15
5.3 Sustainability
51.13% of the earnings are spent on dividend by FITB. This is a bit on the high side, but may be sustainable.
The dividend of FITB is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP51.13%
EPS Next 2Y9.06%
EPS Next 3Y14.58%
46.81
-0.72 (-1.51%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners89.26%
Inst Owner Change4.02%
Ins Owners0.45%
Ins Owner Change-0.46%
Market Cap30.94B
Revenue(TTM)8.92B
Net Income(TTM)2.26B
Analysts80.71
Price Target52.4 (11.94%)
Short Float %7.98%
Short Ratio7.48
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.32% |
Yearly Dividend1.74
Dividend Growth(5Y)9.4%
DP51.13%
Div Incr Years14
Div Non Decr Years15
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.02%
Min EPS beat(2)-0.53%
Max EPS beat(2)2.57%
EPS beat(4)1
Avg EPS beat(4)-1.01%
Min EPS beat(4)-5.16%
Max EPS beat(4)2.57%
EPS beat(8)4
Avg EPS beat(8)0.46%
EPS beat(12)5
Avg EPS beat(12)0.48%
EPS beat(16)5
Avg EPS beat(16)-1.39%
Revenue beat(2)0
Avg Revenue beat(2)-0.82%
Min Revenue beat(2)-1.03%
Max Revenue beat(2)-0.62%
Revenue beat(4)0
Avg Revenue beat(4)-2.04%
Min Revenue beat(4)-3.59%
Max Revenue beat(4)-0.62%
Revenue beat(8)0
Avg Revenue beat(8)-2.27%
Revenue beat(12)0
Avg Revenue beat(12)-2.27%
Revenue beat(16)0
Avg Revenue beat(16)-2.75%
PT rev (1m)1.35%
PT rev (3m)6.13%
EPS NQ rev (1m)0.39%
EPS NQ rev (3m)-1.4%
EPS NY rev (1m)0.51%
EPS NY rev (3m)-0.73%
Revenue NQ rev (1m)2.51%
Revenue NQ rev (3m)2.9%
Revenue NY rev (1m)-0.01%
Revenue NY rev (3m)0.51%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.97 | ||
| Fwd PE | 12.11 | ||
| P/S | 3.47 | ||
| P/FCF | 10.6 | ||
| P/OCF | 8.88 | ||
| P/B | 1.47 | ||
| P/tB | 2.14 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.35
EY7.16%
EPS(NY)3.87
Fwd EY8.26%
FCF(TTM)4.42
FCFY9.43%
OCF(TTM)5.27
OCFY11.26%
SpS13.5
BVpS31.93
TBVpS21.91
PEG (NY)1.47
PEG (5Y)4.3
Graham Number49.06
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.06% | ||
| ROE | 10.7% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 25.32% | ||
| GM | N/A | ||
| FCFM | 32.72% |
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-Score9
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.67 | ||
| Debt/FCF | 4.88 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 105.41% | ||
| Cap/Sales | 6.33% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 129.22% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC13.36%
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)-0.3%
EPS 3Y-3.88%
EPS 5Y3.25%
EPS Q2Q%7.06%
EPS Next Y9.49%
EPS Next 2Y9.06%
EPS Next 3Y14.58%
EPS Next 5Y4.6%
Revenue 1Y (TTM)5.35%
Revenue growth 3Y2.44%
Revenue growth 5Y0.35%
Sales Q2Q%7.86%
Revenue Next Year5.46%
Revenue Next 2Y16.93%
Revenue Next 3Y14.49%
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-27.15%
FCF growth 3Y6.17%
FCF growth 5Y9.16%
OCF growth 1Y-22.75%
OCF growth 3Y1.46%
OCF growth 5Y9.14%
FIFTH THIRD BANCORP / FITB FAQ
What is the fundamental rating for FITB stock?
ChartMill assigns a fundamental rating of 3 / 10 to FITB.
Can you provide the valuation status for FIFTH THIRD BANCORP?
ChartMill assigns a valuation rating of 3 / 10 to FIFTH THIRD BANCORP (FITB). This can be considered as Overvalued.
What is the profitability of FITB stock?
FIFTH THIRD BANCORP (FITB) has a profitability rating of 3 / 10.
What is the financial health of FIFTH THIRD BANCORP (FITB) stock?
The financial health rating of FIFTH THIRD BANCORP (FITB) is 2 / 10.
What is the expected EPS growth for FIFTH THIRD BANCORP (FITB) stock?
The Earnings per Share (EPS) of FIFTH THIRD BANCORP (FITB) is expected to grow by 9.49% in the next year.