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FIFTH THIRD BANCORP (FITB) Stock Fundamental Analysis

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

43.76  -0.29 (-0.66%)

After market: 43.76 0 (0%)

Fundamental Rating

3

Overall FITB gets a fundamental rating of 3 out of 10. We evaluated FITB against 397 industry peers in the Banks industry. FITB may be in some trouble as it scores bad on both profitability and health. FITB has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

FITB had positive earnings in the past year.
FITB had a positive operating cash flow in the past year.
In the past 5 years FITB has always 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

With a decent Return On Assets value of 1.01%, FITB is doing good in the industry, outperforming 65.24% of the companies in the same industry.
FITB's Return On Equity of 10.55% is fine compared to the rest of the industry. FITB outperforms 73.80% of its industry peers.
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
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 has a Profit Margin (25.29%) which is in line with 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) 25.29%
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
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.
The number of shares outstanding for FITB has been reduced compared to 1 year ago.
Compared to 5 years ago, FITB has less shares outstanding
Compared to 1 year ago, FITB has a worse debt to assets ratio.
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 4.72, which is a neutral value as it means it would take FITB, 4.72 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 4.72, FITB is doing worse than 70.78% of the companies in the same industry.
FITB has a Debt/Equity ratio of 0.74. This is a neutral value indicating FITB is somewhat dependend on debt financing.
The Debt to Equity ratio of FITB (0.74) is worse than 83.63% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.74
Debt/FCF 4.72
Altman-Z N/A
ROIC/WACCN/A
WACC13.81%
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.
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 decrease in Revenue. The Revenue has decreased by -0.88% 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)-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 4.56% on average over the next years.
EPS Next Y10.4%
EPS Next 2Y11.86%
EPS Next 3Y11.39%
EPS Next 5Y4.13%
Revenue Next Year4.67%
Revenue Next 2Y4.74%
Revenue Next 3Y4.56%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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

FITB is valuated correctly with a Price/Earnings ratio of 13.59.
FITB's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 27.30. FITB is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 10.76, the valuation of FITB can be described as reasonable.
FITB's Price/Forward Earnings ratio is in line with the industry average.
FITB is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.76, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 13.59
Fwd PE 10.76
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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of FITB indicates a somewhat cheap valuation: FITB is cheaper than 73.05% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 9.11
EV/EBITDA N/A
FITB Per share dataFITB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.31
PEG (5Y)4.18
EPS Next 2Y11.86%
EPS Next 3Y11.39%

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6

5. Dividend

5.1 Amount

FITB has a Yearly Dividend Yield of 3.36%. 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 3.31.
Compared to an average S&P500 Dividend Yield of 2.35, FITB pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.36%

5.2 History

On average, the dividend of FITB grows each year by 9.40%, which is quite nice.
FITB has paid a dividend for at least 10 years, which is 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
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

55.09% 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.
DP55.09%
EPS Next 2Y11.86%
EPS Next 3Y11.39%
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 (7/11/2025, 8:11:23 PM)

After market: 43.76 0 (0%)

43.76

-0.29 (-0.66%)

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 Owners86.22%
Inst Owner Change0%
Ins Owners0.43%
Ins Owner Change2.94%
Market Cap29.21B
Analysts80
Price Target45.85 (4.78%)
Short Float %2.77%
Short Ratio4.03
Dividend
Industry RankSector Rank
Dividend Yield 3.36%
Yearly Dividend1.74
Dividend Growth(5Y)9.4%
DP55.09%
Div Incr Years14
Div Non Decr Years15
Ex-Date06-30 2025-06-30 (0.37)
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)-3.24%
Min Revenue beat(4)-3.59%
Max Revenue beat(4)-2.91%
Revenue beat(8)0
Avg Revenue beat(8)-2.54%
Revenue beat(12)0
Avg Revenue beat(12)-2.83%
Revenue beat(16)1
Avg Revenue beat(16)-2.74%
PT rev (1m)1.82%
PT rev (3m)-8.48%
EPS NQ rev (1m)-1.24%
EPS NQ rev (3m)-4.31%
EPS NY rev (1m)-0.15%
EPS NY rev (3m)-3.12%
Revenue NQ rev (1m)-0.04%
Revenue NQ rev (3m)-0.92%
Revenue NY rev (1m)-0.04%
Revenue NY rev (3m)-0.73%
Valuation
Industry RankSector Rank
PE 13.59
Fwd PE 10.76
P/S 3.43
P/FCF 9.11
P/OCF 7.96
P/B 1.43
P/tB 2.13
EV/EBITDA N/A
EPS(TTM)3.22
EY7.36%
EPS(NY)4.07
Fwd EY9.29%
FCF(TTM)4.8
FCFY10.97%
OCF(TTM)5.5
OCFY12.57%
SpS12.76
BVpS30.57
TBVpS20.58
PEG (NY)1.31
PEG (5Y)4.18
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
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-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
WACC13.81%
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 Y10.4%
EPS Next 2Y11.86%
EPS Next 3Y11.39%
EPS Next 5Y4.13%
Revenue 1Y (TTM)-0.88%
Revenue growth 3Y2.44%
Revenue growth 5Y0.35%
Sales Q2Q%2.01%
Revenue Next Year4.67%
Revenue Next 2Y4.74%
Revenue Next 3Y4.56%
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%