FIFTH THIRD BANCORP (FITB)
US3167731005 - Common Stock
Overall FITB gets a fundamental rating of 3 out of 10. We evaluated FITB against 404 industry peers in the Banks industry. FITB has a medium profitability rating, but doesn't score so well on its financial health evaluation. FITB is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
FITB had positive earnings in the past year.
In the past year FITB had a positive cash flow from operations.
In the past 5 years FITB has always been profitable.
In the past 5 years FITB always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.01%, FITB is in the better half of the industry, outperforming 69.58% of the companies in the same industry.
FITB has a Return On Equity of 11.22%. This is in the better half of the industry: FITB outperforms 77.06% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.01% | ||
| ROE | 11.22% | ||
| ROIC | N/A |
ROA(3y)1.14%
ROA(5y)1.09%
ROE(3y)12.32%
ROE(5y)10.79%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of FITB (25.41%) is better than 64.84% of 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 25.41% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y13.66%
PM growth 5Y-3.42%
GM growth 3YN/A
GM growth 5YN/A
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 more shares outstanding
Compared to 1 year ago, FITB has a worse debt to assets ratio.
2.2 Solvency
FITB has a debt to FCF ratio of 4.99. This is a neutral value as FITB would need 4.99 years to pay back of all of its debts.
FITB has a Debt to FCF ratio of 4.99. This is in the lower half of the industry: FITB underperforms 64.84% of its industry peers.
FITB has a Debt/Equity ratio of 0.87. This is a neutral value indicating FITB is somewhat dependend on debt financing.
FITB's Debt to Equity ratio of 0.87 is on the low side compared to the rest of the industry. FITB is outperformed by 84.04% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.87 | ||
| Debt/FCF | 4.99 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.7%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
FITB shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -4.55%.
The Earnings Per Share has been growing slightly by 6.92% on average over the past years.
The Revenue has decreased by -4.44% in the past year.
Measured over the past years, FITB shows a small growth in Revenue. The Revenue has been growing by 4.67% on average per year.
EPS 1Y (TTM)-4.55%
EPS 3Y18.15%
EPS 5Y6.92%
EPS Q2Q%-6.59%
Revenue 1Y (TTM)-4.44%
Revenue growth 3Y4.59%
Revenue growth 5Y4.67%
Sales Q2Q%-1.02%
3.2 Future
The Earnings Per Share is expected to grow by 0.40% on average over the next years.
Based on estimates for the next years, FITB will show a small growth in Revenue. The Revenue will grow by 2.83% on average per year.
EPS Next Y-7.16%
EPS Next 2Y3.38%
EPS Next 3Y5.96%
EPS Next 5Y0.4%
Revenue Next Year-2.14%
Revenue Next 2Y1.56%
Revenue Next 3Y2.51%
Revenue Next 5Y2.83%
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 decreasing.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 14.02, FITB is valued correctly.
FITB's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 28.96. FITB is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 12.67, which indicates a correct valuation of FITB.
The rest of the industry has a similar Price/Forward Earnings ratio as FITB.
The average S&P500 Price/Forward Earnings ratio is at 23.82. FITB is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.02 | ||
| Fwd PE | 12.67 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, FITB is valued a bit cheaper than 76.81% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.37 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)2.03
EPS Next 2Y3.38%
EPS Next 3Y5.96%
5. Dividend
5.1 Amount
FITB has a Yearly Dividend Yield of 3.13%.
FITB's Dividend Yield is a higher than the industry average which is at 3.02.
FITB's Dividend Yield is a higher than the S&P500 average which is at 2.23.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.13% |
5.2 History
The dividend of FITB is nicely growing with an annual growth rate of 13.01%!
FITB has paid a dividend for at least 10 years, which is 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
5.3 Sustainability
FITB pays out 49.51% 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.
DP49.51%
EPS Next 2Y3.38%
EPS Next 3Y5.96%
FIFTH THIRD BANCORP
NASDAQ:FITB (11/21/2024, 5:28:47 PM)
After market: 47.12 0 (0%)47.12
+0.81 (+1.75%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap31.60B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.13% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.02 | ||
| Fwd PE | 12.67 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)2.03
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.01% | ||
| ROE | 11.22% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 25.41% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.87 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)-4.55%
EPS 3Y18.15%
EPS 5Y
EPS Q2Q%
EPS Next Y-7.16%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-4.44%
Revenue growth 3Y4.59%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y