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FIFTH THIRD BANCORP (FITB) Stock Fundamental Analysis

NASDAQ:FITB - Nasdaq - US3167731005 - Common Stock - Currency: USD

35.28  -0.5 (-1.41%)

After market: 35.57 +0.29 (+0.82%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to FITB. FITB was compared to 398 industry peers in the Banks industry. There are concerns on the financial health of FITB while its profitability can be described as average. FITB is not valued too expensively and it also shows a decent growth rate. Finally FITB also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year FITB was profitable.
FITB had a positive operating cash flow in the past year.
Each year in the past 5 years FITB has been profitable.
In the past 5 years FITB always reported a positive cash flow from operatings.
FITB Yearly Net Income VS EBIT VS OCF VS FCFFITB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

1.2 Ratios

Looking at the Return On Assets, with a value of 1.01%, FITB is in the better half of the industry, outperforming 67.09% of the companies in the same industry.
With a decent Return On Equity value of 10.97%, FITB is doing good in the industry, outperforming 76.13% of the companies in the same industry.
Industry RankSector Rank
ROA 1.01%
ROE 10.97%
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
FITB Yearly ROA, ROE, ROICFITB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

FITB's Profit Margin of 25.42% is fine compared to the rest of the industry. FITB outperforms 62.56% of its industry peers.
In the last couple of years the Profit Margin of FITB has declined.
FITB 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) 25.42%
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
FITB Yearly Profit, Operating, Gross MarginsFITB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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1

2. Health

2.1 Basic Checks

FITB does not have a ROIC to compare to the WACC, probably because it is not profitable.
FITB has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, FITB has less shares outstanding
The debt/assets ratio for FITB is higher compared to a year ago.
FITB Yearly Shares OutstandingFITB Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M
FITB Yearly Total Debt VS Total AssetsFITB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B 200B

2.2 Solvency

The Debt to FCF ratio of FITB is 7.88, which is on the high side as it means it would take FITB, 7.88 years of fcf income to pay off all of its debts.
FITB has a Debt to FCF ratio of 7.88. This is in the lower half of the industry: FITB underperforms 77.64% of its industry peers.
FITB has a Debt/Equity ratio of 0.97. This is a neutral value indicating FITB is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.97, FITB is not doing good in the industry: 84.92% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.97
Debt/FCF 7.88
Altman-Z N/A
ROIC/WACCN/A
WACC14.37%
FITB Yearly LT Debt VS Equity VS FCFFITB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 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
FITB Yearly Current Assets VS Current LiabilitesFITB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

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4

3. Growth

3.1 Past

The earnings per share for FITB have decreased by -6.12% in the last year.
Measured over the past 5 years, FITB shows a small growth in Earnings Per Share. The EPS has been growing by 3.25% on average per year.
The Revenue has decreased by -0.88% in the past 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)-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.
FITB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.58% yearly.
EPS Next Y12.43%
EPS Next 2Y12.55%
EPS Next 3Y10.96%
EPS Next 5Y4.13%
Revenue Next Year4.98%
Revenue Next 2Y5.06%
Revenue Next 3Y4.58%
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.
FITB Yearly Revenue VS EstimatesFITB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2B 4B 6B 8B
FITB Yearly EPS VS EstimatesFITB Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 1 2 3 4

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5

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 10.96 indicates a reasonable valuation of FITB.
FITB's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 28.78. FITB is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 8.57, which indicates a very decent valuation of FITB.
Based on the Price/Forward Earnings ratio, FITB is valued a bit cheaper than the industry average as 68.84% of the companies are valued more expensively.
FITB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.32.
Industry RankSector Rank
PE 10.96
Fwd PE 8.57
FITB Price Earnings VS Forward Price EarningsFITB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, FITB is valued a bit cheaper than 61.81% of the companies in the same industry.
Industry RankSector Rank
P/FCF 9.77
EV/EBITDA N/A
FITB Per share dataFITB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

FITB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.88
PEG (5Y)3.37
EPS Next 2Y12.55%
EPS Next 3Y10.96%

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5. Dividend

5.1 Amount

FITB has a Yearly Dividend Yield of 4.14%, which is a nice return.
The stock price of FITB dropped by -20.14% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
Compared to an average industry Dividend Yield of 3.52, FITB pays a bit more dividend than its industry peers.
FITB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.46.
Industry RankSector Rank
Dividend Yield 4.14%

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 Years13
Div Non Decr Years14
FITB Yearly Dividends per shareFITB Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1

5.3 Sustainability

54.57% of the earnings are spent on dividend by FITB. This is a bit on the high side, but may be sustainable.
FITB's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP54.57%
EPS Next 2Y12.55%
EPS Next 3Y10.96%
FITB Yearly Income VS Free CF VS DividendFITB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B
FITB Dividend Payout.FITB Dividend Payout, showing the Payout Ratio.FITB Dividend Payout.PayoutRetained Earnings

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FIFTH THIRD BANCORP

NASDAQ:FITB (4/25/2025, 8:06:36 PM)

After market: 35.57 +0.29 (+0.82%)

35.28

-0.5 (-1.41%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-17 2025-04-17/bmo
Earnings (Next)07-17 2025-07-17/bmo
Inst Owners229.6%
Inst Owner Change-47.24%
Ins Owners1.25%
Ins Owner Change2.45%
Market Cap23.54B
Analysts77.93
Price Target45.94 (30.22%)
Short Float %2.92%
Short Ratio3.49
Dividend
Industry RankSector Rank
Dividend Yield 4.14%
Yearly Dividend1.74
Dividend Growth(5Y)9.4%
DP54.57%
Div Incr Years13
Div Non Decr Years14
Ex-Date03-31 2025-03-31 (0.37)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-2.43%
Min EPS beat(2)-5.16%
Max EPS beat(2)0.31%
EPS beat(4)2
Avg EPS beat(4)-2.06%
Min EPS beat(4)-6.37%
Max EPS beat(4)2.98%
EPS beat(8)4
Avg EPS beat(8)0.69%
EPS beat(12)4
Avg EPS beat(12)-1.87%
EPS beat(16)6
Avg EPS beat(16)1.12%
Revenue beat(2)0
Avg Revenue beat(2)-3.34%
Min Revenue beat(2)-3.59%
Max Revenue beat(2)-3.08%
Revenue beat(4)0
Avg Revenue beat(4)-2.9%
Min Revenue beat(4)-3.59%
Max Revenue beat(4)-1.55%
Revenue beat(8)0
Avg Revenue beat(8)-2.5%
Revenue beat(12)0
Avg Revenue beat(12)-3%
Revenue beat(16)1
Avg Revenue beat(16)-2.62%
PT rev (1m)-11.4%
PT rev (3m)-10.24%
EPS NQ rev (1m)-4.1%
EPS NQ rev (3m)-8.86%
EPS NY rev (1m)-1.33%
EPS NY rev (3m)-1.86%
Revenue NQ rev (1m)-0.41%
Revenue NQ rev (3m)-1.26%
Revenue NY rev (1m)-0.85%
Revenue NY rev (3m)-0.26%
Valuation
Industry RankSector Rank
PE 10.96
Fwd PE 8.57
P/S 2.78
P/FCF 9.77
P/OCF 8.34
P/B 1.2
P/tB 1.82
EV/EBITDA N/A
EPS(TTM)3.22
EY9.13%
EPS(NY)4.12
Fwd EY11.67%
FCF(TTM)3.61
FCFY10.24%
OCF(TTM)4.23
OCFY12%
SpS12.7
BVpS29.44
TBVpS19.38
PEG (NY)0.88
PEG (5Y)3.37
Profitability
Industry RankSector Rank
ROA 1.01%
ROE 10.97%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.42%
GM N/A
FCFM 28.43%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.97
Debt/FCF 7.88
Debt/EBITDA N/A
Cap/Depr 83.64%
Cap/Sales 4.88%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 111.83%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC14.37%
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 Y12.43%
EPS Next 2Y12.55%
EPS Next 3Y10.96%
EPS Next 5Y4.13%
Revenue 1Y (TTM)-0.88%
Revenue growth 3Y2.44%
Revenue growth 5Y0.35%
Sales Q2Q%2.01%
Revenue Next Year4.98%
Revenue Next 2Y5.06%
Revenue Next 3Y4.58%
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-39.64%
FCF growth 3Y6.17%
FCF growth 5Y9.16%
OCF growth 1Y-37.37%
OCF growth 3Y1.46%
OCF growth 5Y9.14%