FIFTH THIRD BANCORP - FITB 8.26722 PERP (FITBI) Stock Fundamental Analysis
NASDAQ:FITBI - Nasdaq - US3167736053 - Currency: USD
Taking everything into account, FITBI scores 4 out of 10 in our fundamental rating. FITBI was compared to 396 industry peers in the Banks industry. FITBI has a bad profitability rating. Also its financial health evaluation is rather negative. A decent growth rate in combination with a cheap valuation! Better keep an eye on FITBI.
1. Profitability
1.1 Basic Checks
FITBI had positive earnings in the past year.
In the past year FITBI had a positive cash flow from operations.
FITBI had positive earnings in each of the past 5 years.
FITBI had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of FITBI (1.01%) is better than 65.91% of its industry peers.
FITBI has a Return On Equity of 10.55%. This is in the better half of the industry: FITBI outperforms 74.24% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
The Profit Margin of FITBI (25.07%) is comparable to the rest of the industry.
In the last couple of years the Profit Margin of FITBI has declined.
The Operating Margin and Gross Margin are not available for FITBI so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 25.07% | ||
| 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
FITBI does not have a ROIC to compare to the WACC, probably because it is not profitable.
FITBI has less shares outstanding than it did 1 year ago.
The number of shares outstanding for FITBI has been reduced compared to 5 years ago.
Compared to 1 year ago, FITBI has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of FITBI is 4.72, which is a neutral value as it means it would take FITBI, 4.72 years of fcf income to pay off all of its debts.
FITBI has a worse Debt to FCF ratio (4.72) than 69.44% of its industry peers.
FITBI has a Debt/Equity ratio of 0.74. This is a neutral value indicating FITBI is somewhat dependend on debt financing.
The Debt to Equity ratio of FITBI (0.74) is worse than 83.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.74 | ||
| Debt/FCF | 4.72 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.8%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
FITBI shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -3.80%.
The Earnings Per Share has been growing slightly by 3.25% on average over the past years.
FITBI shows a small growth in Revenue. In the last year, the Revenue has grown by 3.10%.
Measured over the past years, FITBI shows a small growth in Revenue. The Revenue has been growing by 0.35% on average per year.
EPS 1Y (TTM)-3.8%
EPS 3Y-3.88%
EPS 5Y3.25%
EPS Q2Q%8.64%
Revenue 1Y (TTM)3.1%
Revenue growth 3Y2.44%
Revenue growth 5Y0.35%
Sales Q2Q%8.07%
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.
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
Based on the Price/Earnings ratio of 7.73, the valuation of FITBI can be described as very cheap.
Based on the Price/Earnings ratio, FITBI is valued cheaply inside the industry as 93.18% of the companies are valued more expensively.
FITBI is valuated cheaply when we compare the Price/Earnings ratio to 27.69, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 6.25, the valuation of FITBI can be described as very cheap.
Based on the Price/Forward Earnings ratio, FITBI is valued cheaply inside the industry as 93.18% of the companies are valued more expensively.
FITBI is valuated cheaply when we compare the Price/Forward Earnings ratio to 37.36, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.73 | ||
| Fwd PE | 6.25 |
4.2 Price Multiples
90.40% of the companies in the same industry are more expensive than FITBI, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.3 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.74
PEG (5Y)2.38
EPS Next 2Y11.86%
EPS Next 3Y11.39%
5. Dividend
5.1 Amount
FITBI has a Yearly Dividend Yield of 3.47%.
FITBI's Dividend Yield is a higher than the industry average which is at 3.30.
FITBI's Dividend Yield is a higher than the S&P500 average which is at 2.34.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.47% |
5.2 History
On average, the dividend of FITBI grows each year by 9.40%, which is quite nice.
FITBI has paid a dividend for at least 10 years, which is a reliable track record.
FITBI has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)9.4%
Div Incr Years1
Div Non Decr Years9
5.3 Sustainability
55.09% of the earnings are spent on dividend by FITBI. This is a bit on the high side, but may be sustainable.
FITBI'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%
FIFTH THIRD BANCORP - FITB 8.26722 PERP
NASDAQ:FITBI (7/24/2025, 11:17:51 AM)
25.42
+0.01 (+0.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners86.22%
Inst Owner Change0%
Ins Owners0.43%
Ins Owner ChangeN/A
Market Cap16.97B
Analysts80
Price Target28.48 (12.04%)
Short Float %0.01%
Short Ratio1.76
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.47% |
Yearly Dividend1.74
Dividend Growth(5Y)9.4%
DP55.09%
Div Incr Years1
Div Non Decr Years9
Ex-Date
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)-5.96%
PT rev (3m)-11.42%
EPS NQ rev (1m)-1.24%
EPS NQ rev (3m)-4.25%
EPS NY rev (1m)-0.23%
EPS NY rev (3m)-1.81%
Revenue NQ rev (1m)-0.04%
Revenue NQ rev (3m)-0.92%
Revenue NY rev (1m)-0.01%
Revenue NY rev (3m)-0.73%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.73 | ||
| Fwd PE | 6.25 | ||
| P/S | 1.98 | ||
| P/FCF | 5.3 | ||
| P/OCF | 4.62 | ||
| P/B | 0.83 | ||
| P/tB | 1.24 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.29
EY12.94%
EPS(NY)4.07
Fwd EY16%
FCF(TTM)4.8
FCFY18.88%
OCF(TTM)5.5
OCFY21.63%
SpS12.86
BVpS30.56
TBVpS20.58
PEG (NY)0.74
PEG (5Y)2.38
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.01% | ||
| ROE | 10.55% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 25.07% | ||
| GM | N/A | ||
| FCFM | 37.32% |
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.74 | ||
| Debt/FCF | 4.72 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 92.83% | ||
| Cap/Sales | 5.43% | ||
| 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
WACC15.8%
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)-3.8%
EPS 3Y-3.88%
EPS 5Y3.25%
EPS Q2Q%8.64%
EPS Next Y10.4%
EPS Next 2Y11.86%
EPS Next 3Y11.39%
EPS Next 5Y4.13%
Revenue 1Y (TTM)3.1%
Revenue growth 3Y2.44%
Revenue growth 5Y0.35%
Sales Q2Q%8.07%
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%