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FIFTH THIRD BANCORP - FITB 6 PERP (FITBP) Stock Fundamental Analysis

NASDAQ:FITBP - Nasdaq - US3167738869 - Currency: USD

24.52  +0.02 (+0.08%)

Fundamental Rating

4

Taking everything into account, FITBP scores 4 out of 10 in our fundamental rating. FITBP was compared to 395 industry peers in the Banks industry. FITBP may be in some trouble as it scores bad on both profitability and health. FITBP scores decently on growth, while it is valued quite cheap. This could make an interesting combination.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

FITBP had positive earnings in the past year.
FITBP had a positive operating cash flow in the past year.
In the past 5 years FITBP has always been profitable.
FITBP had a positive operating cash flow in each of the past 5 years.
FITBP Yearly Net Income VS EBIT VS OCF VS FCFFITBP 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%, FITBP is doing good in the industry, outperforming 65.82% of the companies in the same industry.
With a decent Return On Equity value of 10.55%, FITBP is doing good in the industry, outperforming 74.18% of the companies in the same industry.
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
FITBP Yearly ROA, ROE, ROICFITBP 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

Looking at the Profit Margin, with a value of 25.29%, FITBP is in line with its industry, outperforming 59.75% of the companies in the same industry.
FITBP's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for FITBP so they could not be analyzed.
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
FITBP Yearly Profit, Operating, Gross MarginsFITBP 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

FITBP does not have a ROIC to compare to the WACC, probably because it is not profitable.
FITBP has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, FITBP has less shares outstanding
FITBP has a worse debt/assets ratio than last year.
FITBP Yearly Shares OutstandingFITBP Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M
FITBP Yearly Total Debt VS Total AssetsFITBP 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 FITBP is 4.72, which is a neutral value as it means it would take FITBP, 4.72 years of fcf income to pay off all of its debts.
FITBP's Debt to FCF ratio of 4.72 is on the low side compared to the rest of the industry. FITBP is outperformed by 70.38% of its industry peers.
FITBP has a Debt/Equity ratio of 0.74. This is a neutral value indicating FITBP is somewhat dependend on debt financing.
FITBP has a worse Debt to Equity ratio (0.74) than 83.29% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.74
Debt/FCF 4.72
Altman-Z N/A
ROIC/WACCN/A
WACC15.86%
FITBP Yearly LT Debt VS Equity VS FCFFITBP 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
FITBP Yearly Current Assets VS Current LiabilitesFITBP 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 FITBP have decreased by -6.12% in the last year.
Measured over the past 5 years, FITBP shows a small growth in Earnings Per Share. The EPS has been growing by 3.25% on average per year.
Looking at the last year, FITBP shows a decrease in Revenue. The Revenue has decreased by -0.88% in the last year.
Measured over the past years, FITBP 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

FITBP is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.13% yearly.
FITBP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.52% yearly.
EPS Next Y10.65%
EPS Next 2Y11.95%
EPS Next 3Y11.34%
EPS Next 5Y4.13%
Revenue Next Year4.68%
Revenue Next 2Y4.78%
Revenue Next 3Y4.52%
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.
FITBP Yearly Revenue VS EstimatesFITBP 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
FITBP Yearly EPS VS EstimatesFITBP 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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8

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 7.61, the valuation of FITBP can be described as very cheap.
Based on the Price/Earnings ratio, FITBP is valued cheaply inside the industry as 94.18% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 27.45. FITBP is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 6.02, the valuation of FITBP can be described as very cheap.
FITBP's Price/Forward Earnings ratio is rather cheap when compared to the industry. FITBP is cheaper than 94.43% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of FITBP to the average of the S&P500 Index (21.90), we can say FITBP is valued rather cheaply.
Industry RankSector Rank
PE 7.61
Fwd PE 6.02
FITBP Price Earnings VS Forward Price EarningsFITBP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

FITBP's Price/Free Cash Flow ratio is rather cheap when compared to the industry. FITBP is cheaper than 91.90% of the companies in the same industry.
Industry RankSector Rank
P/FCF 5.11
EV/EBITDA N/A
FITBP Per share dataFITBP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

FITBP's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.71
PEG (5Y)2.34
EPS Next 2Y11.95%
EPS Next 3Y11.34%

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5

5. Dividend

5.1 Amount

FITBP has a Yearly Dividend Yield of 3.57%.
Compared to an average industry Dividend Yield of 3.47, FITBP pays a bit more dividend than its industry peers.
FITBP's Dividend Yield is a higher than the S&P500 average which is at 2.42.
Industry RankSector Rank
Dividend Yield 3.57%

5.2 History

On average, the dividend of FITBP grows each year by 9.40%, which is quite nice.
FITBP has been paying a dividend for over 5 years, so it has already some track record.
As FITBP did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)9.4%
Div Incr Years1
Div Non Decr Years5
FITBP Yearly Dividends per shareFITBP Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

55.09% of the earnings are spent on dividend by FITBP. This is a bit on the high side, but may be sustainable.
The dividend of FITBP is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP55.09%
EPS Next 2Y11.95%
EPS Next 3Y11.34%
FITBP Yearly Income VS Free CF VS DividendFITBP 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
FITBP Dividend Payout.FITBP Dividend Payout, showing the Payout Ratio.FITBP Dividend Payout.PayoutRetained Earnings

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FIFTH THIRD BANCORP - FITB 6 PERP

NASDAQ:FITBP (7/3/2025, 7:24:03 PM)

24.52

+0.02 (+0.08%)

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 ChangeN/A
Ins Owners0.43%
Ins Owner Change0%
Market Cap16.37B
Analysts78.62
Price Target28.92 (17.94%)
Short Float %0.01%
Short Ratio2.37
Dividend
Industry RankSector Rank
Dividend Yield 3.57%
Yearly Dividend1.74
Dividend Growth(5Y)9.4%
DP55.09%
Div Incr Years1
Div Non Decr Years5
Ex-Date03-27 2025-03-27 (0.375)
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)-2.25%
PT rev (3m)-10.82%
EPS NQ rev (1m)0.03%
EPS NQ rev (3m)-3.87%
EPS NY rev (1m)0.08%
EPS NY rev (3m)-2.89%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.05%
Revenue NY rev (1m)-0.01%
Revenue NY rev (3m)-1.13%
Valuation
Industry RankSector Rank
PE 7.61
Fwd PE 6.02
P/S 1.92
P/FCF 5.11
P/OCF 4.46
P/B 0.8
P/tB 1.19
EV/EBITDA N/A
EPS(TTM)3.22
EY13.13%
EPS(NY)4.07
Fwd EY16.61%
FCF(TTM)4.8
FCFY19.58%
OCF(TTM)5.5
OCFY22.43%
SpS12.76
BVpS30.57
TBVpS20.58
PEG (NY)0.71
PEG (5Y)2.34
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
WACC15.86%
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 Y10.65%
EPS Next 2Y11.95%
EPS Next 3Y11.34%
EPS Next 5Y4.13%
Revenue 1Y (TTM)-0.88%
Revenue growth 3Y2.44%
Revenue growth 5Y0.35%
Sales Q2Q%2.01%
Revenue Next Year4.68%
Revenue Next 2Y4.78%
Revenue Next 3Y4.52%
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%