24.9 USD
+0.09 (+0.36%)
Taking everything into account, FITBP scores 4 out of 10 in our fundamental rating. FITBP was compared to 383 industry peers in the Banks industry. While FITBP is still in line with the averages on profitability rating, there are concerns on its financial health. FITBP may be a bit undervalued, certainly considering the very reasonable score on growth
1. Profitability
1.1 Basic Checks
- In the past year FITBP was profitable.
- In the past year FITBP had a positive cash flow from operations.
- FITBP had positive earnings in each of the past 5 years.
- FITBP had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- Looking at the Return On Assets, with a value of 1.06%, FITBP is in the better half of the industry, outperforming 67.89% of the companies in the same industry.
- FITBP has a better Return On Equity (10.70%) than 70.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.06% | ||
| ROE | 10.7% | ||
| ROIC | N/A |
ROA(3y)1.05%
ROA(5y)1.11%
ROE(3y)11.15%
ROE(5y)11.77%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- With a Profit Margin value of 25.32%, FITBP perfoms like the industry average, outperforming 57.18% of the companies in the same industry.
- In the last couple of years the Profit Margin of FITBP has grown nicely.
- The Operating Margin and Gross Margin are not available for FITBP so they could not be analyzed.
| 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-1.77%
PM growth 5Y8.78%
GM growth 3YN/A
GM growth 5YN/A
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.
- FITBP has less shares outstanding than it did 5 years ago.
- FITBP has a worse debt/assets ratio than last year.
2.2 Solvency
- The Debt to FCF ratio of FITBP is 4.88, which is a neutral value as it means it would take FITBP, 4.88 years of fcf income to pay off all of its debts.
- With a Debt to FCF ratio value of 4.88, FITBP is not doing good in the industry: 71.02% of the companies in the same industry are doing better.
- FITBP has a Debt/Equity ratio of 0.67. This is a neutral value indicating FITBP is somewhat dependend on debt financing.
- Looking at the Debt to Equity ratio, with a value of 0.67, FITBP is doing worse than 80.94% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.67 | ||
| Debt/FCF | 4.88 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.72%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 10.77% over the past year.
- FITBP shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.28% yearly.
- FITBP shows a small growth in Revenue. In the last year, the Revenue has grown by 5.44%.
- FITBP shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.45% yearly.
EPS 1Y (TTM)10.77%
EPS 3Y2.43%
EPS 5Y11.28%
EPS Q2Q%29.41%
Revenue 1Y (TTM)5.44%
Revenue growth 3Y2.49%
Revenue growth 5Y3.45%
Sales Q2Q%7.77%
3.2 Future
- Based on estimates for the next years, FITBP will show a small growth in Earnings Per Share. The EPS will grow by 3.09% on average per year.
- Based on estimates for the next years, FITBP will show a quite strong growth in Revenue. The Revenue will grow by 14.30% on average per year.
EPS Next Y6.17%
EPS Next 2Y16.9%
EPS Next 3Y2.58%
EPS Next 5Y3.09%
Revenue Next Year33.21%
Revenue Next 2Y19.62%
Revenue Next 3Y14.3%
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- FITBP is valuated cheaply with a Price/Earnings ratio of 6.92.
- Based on the Price/Earnings ratio, FITBP is valued cheaply inside the industry as 95.82% of the companies are valued more expensively.
- FITBP is valuated cheaply when we compare the Price/Earnings ratio to 27.21, which is the current average of the S&P500 Index.
- With a Price/Forward Earnings ratio of 6.51, the valuation of FITBP can be described as very cheap.
- Based on the Price/Forward Earnings ratio, FITBP is valued cheaply inside the industry as 95.56% of the companies are valued more expensively.
- Compared to an average S&P500 Price/Forward Earnings ratio of 25.98, FITBP is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.92 | ||
| Fwd PE | 6.51 |
4.2 Price Multiples
- FITBP's Price/Free Cash Flow ratio is rather cheap when compared to the industry. FITBP is cheaper than 91.91% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.64 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- FITBP's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.12
PEG (5Y)0.61
EPS Next 2Y16.9%
EPS Next 3Y2.58%
5. Dividend
5.1 Amount
- FITBP has a Yearly Dividend Yield of 3.14%. Purely for dividend investing, there may be better candidates out there.
- FITBP's Dividend Yield is a higher than the industry average which is at 2.61.
- FITBP's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.14% |
5.2 History
- The dividend of FITBP is nicely growing with an annual growth rate of 9.40%!
- 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
5.3 Sustainability
- FITBP pays out 51.13% of its income as dividend. 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.
DP51.13%
EPS Next 2Y16.9%
EPS Next 3Y2.58%
FIFTH THIRD BANCORP - FITB 6 PERP / FITBP FAQ
Can you provide the ChartMill fundamental rating for FIFTH THIRD BANCORP - FITB 6 PERP?
ChartMill assigns a fundamental rating of 4 / 10 to FITBP.
What is the valuation status of FIFTH THIRD BANCORP - FITB 6 PERP (FITBP) stock?
ChartMill assigns a valuation rating of 7 / 10 to FIFTH THIRD BANCORP - FITB 6 PERP (FITBP). This can be considered as Undervalued.
What is the profitability of FITBP stock?
FIFTH THIRD BANCORP - FITB 6 PERP (FITBP) has a profitability rating of 4 / 10.
How financially healthy is FIFTH THIRD BANCORP - FITB 6 PERP?
The financial health rating of FIFTH THIRD BANCORP - FITB 6 PERP (FITBP) is 1 / 10.
How sustainable is the dividend of FIFTH THIRD BANCORP - FITB 6 PERP (FITBP) stock?
The dividend rating of FIFTH THIRD BANCORP - FITB 6 PERP (FITBP) is 6 / 10 and the dividend payout ratio is 51.13%.