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FIFTH THIRD BANCORP (FITB) Stock Fundamental Analysis

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

42.88  -0.73 (-1.67%)

After market: 42.88 0 (0%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to FITB. FITB was compared to 405 industry peers in the Banks industry. FITB has a bad profitability rating. Also its financial health evaluation is rather negative. FITB has a valuation in line with the averages, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year FITB was profitable.
In the past year FITB had a positive cash flow from operations.
FITB had positive earnings in each of the past 5 years.
Of the past 5 years FITB 4 years had a positive operating cash flow.
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

FITB has a Return On Assets of 0.96%. This is in the better half of the industry: FITB outperforms 65.58% of its industry peers.
The Return On Equity of FITB (9.94%) is better than 70.85% of its industry peers.
Industry RankSector Rank
ROA 0.96%
ROE 9.94%
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

Looking at the Profit Margin, with a value of 24.40%, FITB is in line with its industry, outperforming 59.80% of the companies in the same industry.
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) 24.4%
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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2

2. Health

2.1 Basic Checks

FITB does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, FITB has less shares outstanding
FITB has less shares outstanding than it did 5 years ago.
FITB has a worse debt/assets ratio than last year.
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 3.83, which is a good value as it means it would take FITB, 3.83 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 3.83, FITB perfoms like the industry average, outperforming 41.46% of the companies in the same industry.
A Debt/Equity ratio of 0.85 indicates that FITB is somewhat dependend on debt financing.
FITB has a Debt to Equity ratio of 0.85. This is amonst the worse of the industry: FITB underperforms 85.18% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.85
Debt/FCF 3.83
Altman-Z N/A
ROIC/WACCN/A
WACC11.74%
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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3

3. Growth

3.1 Past

FITB shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -6.61%.
FITB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.25% yearly.
Looking at the last year, FITB shows a decrease in Revenue. The Revenue has decreased by -2.66% 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)-6.61%
EPS 3Y-3.88%
EPS 5Y3.25%
EPS Q2Q%-11.46%
Revenue 1Y (TTM)-2.66%
Revenue growth 3Y2.44%
Revenue growth 5Y0.35%
Sales Q2Q%0.69%

3.2 Future

The Earnings Per Share is expected to grow by 2.24% on average over the next years.
The Revenue is expected to grow by 5.31% on average over the next years.
EPS Next Y14.79%
EPS Next 2Y13.84%
EPS Next 3Y13.61%
EPS Next 5Y2.24%
Revenue Next Year5.91%
Revenue Next 2Y5.63%
Revenue Next 3Y5.31%
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 decreasing.
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.
FITB Yearly Revenue VS EstimatesFITB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2B 4B 6B 8B 10B
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

The Price/Earnings ratio is 13.19, which indicates a correct valuation of FITB.
FITB's Price/Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Earnings ratio of 29.63, FITB is valued rather cheaply.
The Price/Forward Earnings ratio is 11.49, which indicates a very decent valuation of FITB.
FITB's Price/Forward Earnings is on the same level as the industry average.
FITB's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.68.
Industry RankSector Rank
PE 13.19
Fwd PE 11.49
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

Based on the Price/Free Cash Flow ratio, FITB is valued cheaply inside the industry as 89.70% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 6.24
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

FITB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as FITB's earnings are expected to grow with 13.61% in the coming years.
PEG (NY)0.89
PEG (5Y)4.06
EPS Next 2Y13.84%
EPS Next 3Y13.61%

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6

5. Dividend

5.1 Amount

FITB has a Yearly Dividend Yield of 3.39%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.18, FITB pays a bit more dividend than its industry peers.
FITB's Dividend Yield is a higher than the S&P500 average which is at 2.27.
Industry RankSector Rank
Dividend Yield 3.39%

5.2 History

On average, the dividend of FITB grows each year by 13.01%, which is quite nice.
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)13.01%
Div Incr Years13
Div Non Decr Years14
FITB Yearly Dividends per shareFITB Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0.5 1

5.3 Sustainability

FITB pays out 56.29% of its income as dividend. 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.
DP56.29%
EPS Next 2Y13.84%
EPS Next 3Y13.61%
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 (2/21/2025, 8:18:22 PM)

After market: 42.88 0 (0%)

42.88

-0.73 (-1.67%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21 2025-01-21/bmo
Earnings (Next)04-17 2025-04-17/bmo
Inst Owners229.6%
Inst Owner Change0.53%
Ins Owners1.25%
Ins Owner Change-0.85%
Market Cap28.72B
Analysts77.93
Price Target51.85 (20.92%)
Short Float %9.97%
Short Ratio5.48
Dividend
Industry RankSector Rank
Dividend Yield 3.39%
Yearly Dividend1.55
Dividend Growth(5Y)13.01%
DP56.29%
Div Incr Years13
Div Non Decr Years14
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-3.03%
Min EPS beat(2)-6.37%
Max EPS beat(2)0.31%
EPS beat(4)3
Avg EPS beat(4)1.92%
Min EPS beat(4)-6.37%
Max EPS beat(4)10.76%
EPS beat(8)4
Avg EPS beat(8)1.22%
EPS beat(12)4
Avg EPS beat(12)-1.52%
EPS beat(16)7
Avg EPS beat(16)2.6%
Revenue beat(2)0
Avg Revenue beat(2)-3.23%
Min Revenue beat(2)-3.39%
Max Revenue beat(2)-3.08%
Revenue beat(4)0
Avg Revenue beat(4)-2.5%
Min Revenue beat(4)-3.39%
Max Revenue beat(4)-1.55%
Revenue beat(8)0
Avg Revenue beat(8)-2.39%
Revenue beat(12)0
Avg Revenue beat(12)-2.99%
Revenue beat(16)2
Avg Revenue beat(16)-2.33%
PT rev (1m)1.03%
PT rev (3m)9.44%
EPS NQ rev (1m)0.01%
EPS NQ rev (3m)0.07%
EPS NY rev (1m)0.2%
EPS NY rev (3m)0.3%
Revenue NQ rev (1m)0.04%
Revenue NQ rev (3m)0.09%
Revenue NY rev (1m)0.61%
Revenue NY rev (3m)0.58%
Valuation
Industry RankSector Rank
PE 13.19
Fwd PE 11.49
P/S 3.39
P/FCF 6.24
P/OCF 5.75
P/B 1.38
P/tB 2.04
EV/EBITDA N/A
EPS(TTM)3.25
EY7.58%
EPS(NY)3.73
Fwd EY8.7%
FCF(TTM)6.87
FCFY16.02%
OCF(TTM)7.46
OCFY17.4%
SpS12.64
BVpS31.03
TBVpS21.07
PEG (NY)0.89
PEG (5Y)4.06
Profitability
Industry RankSector Rank
ROA 0.96%
ROE 9.94%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.4%
GM N/A
FCFM 54.35%
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-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.85
Debt/FCF 3.83
Debt/EBITDA N/A
Cap/Depr 81.28%
Cap/Sales 4.66%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 222.75%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC11.74%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-6.61%
EPS 3Y-3.88%
EPS 5Y3.25%
EPS Q2Q%-11.46%
EPS Next Y14.79%
EPS Next 2Y13.84%
EPS Next 3Y13.61%
EPS Next 5Y2.24%
Revenue 1Y (TTM)-2.66%
Revenue growth 3Y2.44%
Revenue growth 5Y0.35%
Sales Q2Q%0.69%
Revenue Next Year5.91%
Revenue Next 2Y5.63%
Revenue Next 3Y5.31%
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 1Y14.85%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y10.8%
OCF growth 3YN/A
OCF growth 5YN/A