48.39 USD
+0.84 (+1.77%)
48.61 USD
+0.22 (+0.45%)
FITB gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 387 industry peers in the Banks industry. FITB may be in some trouble as it scores bad on both profitability and health. FITB is quite expensive at the moment. It does show a decent growth rate. Finally FITB also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
FITB had positive earnings in the past year.
In the past year FITB had a positive cash flow from operations.
FITB had positive earnings in each of the past 5 years.
In the past 5 years FITB always reported a positive cash flow from operatings.
1.2 Ratios
With a decent Return On Assets value of 1.06%, FITB is doing good in the industry, outperforming 67.18% of the companies in the same industry.
Looking at the Return On Equity, with a value of 10.70%, FITB is in the better half of the industry, outperforming 70.28% of the companies in the same industry.
| 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
FITB's Profit Margin of 25.32% is in line compared to the rest of the industry. FITB outperforms 57.11% of its industry peers.
FITB's Profit Margin has declined in the last couple of years.
FITB 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) | 25.32% | ||
| 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.
FITB has less shares outstanding than it did 1 year ago.
FITB has less shares outstanding than it did 5 years ago.
The debt/assets ratio for FITB has been reduced compared to a year ago.
2.2 Solvency
FITB has a debt to FCF ratio of 4.88. This is a neutral value as FITB would need 4.88 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 4.88, FITB is doing worse than 71.58% of the companies in the same industry.
FITB has a Debt/Equity ratio of 0.67. This is a neutral value indicating FITB is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.67, FITB is not doing good in the industry: 82.17% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.67 | ||
| Debt/FCF | 4.88 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.25%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for FITB have decreased by -0.30% in the last year.
The Earnings Per Share has been growing slightly by 3.25% on average over the past years.
FITB shows a small growth in Revenue. In the last year, the Revenue has grown by 5.35%.
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
FITB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.60% yearly.
The Revenue is expected to grow by 14.86% on average over the next years. This is quite good.
EPS Next Y7.99%
EPS Next 2Y8.74%
EPS Next 3Y14.31%
EPS Next 5Y4.6%
Revenue Next Year5.43%
Revenue Next 2Y17.26%
Revenue Next 3Y14.86%
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 14.44 indicates a correct valuation of FITB.
Based on the Price/Earnings ratio, FITB is valued a bit more expensive than 61.76% of the companies in the same industry.
FITB is valuated rather cheaply when we compare the Price/Earnings ratio to 26.76, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 12.59, which indicates a correct valuation of FITB.
Based on the Price/Forward Earnings ratio, FITB is valued a bit more expensive than the industry average as 65.37% of the companies are valued more cheaply.
When comparing the Price/Forward Earnings ratio of FITB to the average of the S&P500 Index (23.96), we can say FITB is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.44 | ||
| Fwd PE | 12.59 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, FITB is valued a bit cheaper than 62.02% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.96 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
FITB's earnings are expected to grow with 14.31% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.81
PEG (5Y)4.45
EPS Next 2Y8.74%
EPS Next 3Y14.31%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.52%, FITB has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.11, FITB pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.31, FITB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.52% |
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 their dividend for at least 10 years, which is a reliable track record.
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.
FITB's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP51.13%
EPS Next 2Y8.74%
EPS Next 3Y14.31%
48.39
+0.84 (+1.77%)
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-0.19%
Market Cap31.99B
Revenue(TTM)8.92B
Net Income(TTM)2.26B
Analysts80.71
Price Target51.7 (6.84%)
Short Float %6.93%
Short Ratio5.81
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.52% |
Yearly Dividend1.74
Dividend Growth(5Y)9.4%
DP51.13%
Div Incr Years14
Div Non Decr Years15
Ex-Date
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)-0.21%
PT rev (3m)4.94%
EPS NQ rev (1m)-4.78%
EPS NQ rev (3m)-5.72%
EPS NY rev (1m)-0.87%
EPS NY rev (3m)-2.56%
Revenue NQ rev (1m)-0.13%
Revenue NQ rev (3m)0.42%
Revenue NY rev (1m)-0.03%
Revenue NY rev (3m)0.51%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.44 | ||
| Fwd PE | 12.59 | ||
| P/S | 3.59 | ||
| P/FCF | 10.96 | ||
| P/OCF | 9.18 | ||
| P/B | 1.52 | ||
| P/tB | 2.21 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.35
EY6.92%
EPS(NY)3.84
Fwd EY7.94%
FCF(TTM)4.42
FCFY9.13%
OCF(TTM)5.27
OCFY10.89%
SpS13.5
BVpS31.93
TBVpS21.91
PEG (NY)1.81
PEG (5Y)4.45
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
WACC13.25%
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 Y7.99%
EPS Next 2Y8.74%
EPS Next 3Y14.31%
EPS Next 5Y4.6%
Revenue 1Y (TTM)5.35%
Revenue growth 3Y2.44%
Revenue growth 5Y0.35%
Sales Q2Q%7.86%
Revenue Next Year5.43%
Revenue Next 2Y17.26%
Revenue Next 3Y14.86%
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.
What is the valuation status of FIFTH THIRD BANCORP (FITB) stock?
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.
Can you provide the expected EPS growth for FITB stock?
The Earnings per Share (EPS) of FIFTH THIRD BANCORP (FITB) is expected to grow by 7.99% in the next year.
Is the dividend of FIFTH THIRD BANCORP sustainable?
The dividend rating of FIFTH THIRD BANCORP (FITB) is 7 / 10 and the dividend payout ratio is 51.13%.