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FIFTH THIRD BANCORP (FITB) Stock Fundamental Analysis

NASDAQ:FITB - Nasdaq - US3167731005 - Common Stock

44.86  +0.52 (+1.17%)

Premarket: 45.01 +0.15 (+0.33%)

Fundamental Rating

3

Taking everything into account, FITB scores 3 out of 10 in our fundamental rating. 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 on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

FITB had positive earnings in the past year.
FITB had a positive operating cash flow in the past year.
FITB had positive earnings in 4 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 2B 4B 6B

1.2 Ratios

FITB has a better Return On Assets (0.96%) than 66.58% of its industry peers.
The Return On Equity of FITB (9.94%) is better than 71.61% of its industry peers.
Industry RankSector Rank
ROA 0.96%
ROE 9.94%
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
FITB Yearly ROA, ROE, ROICFITB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2 4 6 8 10

1.3 Margins

The Profit Margin of FITB (24.40%) is comparable to the rest of the industry.
FITB's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for FITB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 24.4%
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
FITB Yearly Profit, Operating, Gross MarginsFITB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 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.
FITB has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
FITB Yearly Shares OutstandingFITB Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 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 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.
FITB has a Debt to FCF ratio (3.83) which is comparable to the rest of the industry.
A Debt/Equity ratio of 0.85 indicates that FITB is somewhat dependend on debt financing.
FITB has a worse Debt to Equity ratio (0.85) than 85.43% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.85
Debt/FCF 3.83
Altman-Z N/A
ROIC/WACCN/A
WACC11.97%
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 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 1B 2B 3B

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1

3. Growth

3.1 Past

FITB shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -5.17%.
Measured over the past 5 years, FITB shows a small growth in Earnings Per Share. The EPS has been growing by 3.56% on average per year.
EPS 1Y (TTM)-5.17%
EPS 3Y-3.39%
EPS 5Y3.56%
EPS Q2Q%-6.25%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%0.42%

3.2 Future

The Earnings Per Share is expected to grow by 1.93% on average over the next years.
The Revenue is expected to grow by 5.25% on average over the next years.
EPS Next Y12.83%
EPS Next 2Y12.18%
EPS Next 3Y8.65%
EPS Next 5Y1.93%
Revenue Next Year5.25%
Revenue Next 2Y4.87%
Revenue Next 3Y5.25%
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.
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 13.59, 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 28.29, FITB is valued rather cheaply.
FITB is valuated correctly with a Price/Forward Earnings ratio of 12.05.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FITB is on the same level as its industry peers.
When comparing the Price/Forward Earnings ratio of FITB to the average of the S&P500 Index (24.44), we can say FITB is valued rather cheaply.
Industry RankSector Rank
PE 13.59
Fwd PE 12.05
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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of FITB indicates a rather cheap valuation: FITB is cheaper than 87.94% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 6.54
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 PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.06
PEG (5Y)3.81
EPS Next 2Y12.18%
EPS Next 3Y8.65%

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6

5. Dividend

5.1 Amount

FITB has a Yearly Dividend Yield of 3.34%.
Compared to an average industry Dividend Yield of 3.22, FITB pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.28, FITB pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.34%

5.2 History

The dividend of FITB is nicely growing with an annual growth rate of 13.01%!
FITB has been paying a dividend for at least 10 years, so it has a reliable track record.
FITB has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
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

56.29% of the earnings are spent on dividend by FITB. 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 2Y12.18%
EPS Next 3Y8.65%
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 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 (1/21/2025, 8:00:07 PM)

Premarket: 45.01 +0.15 (+0.33%)

44.86

+0.52 (+1.17%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21 2025-01-21/bmo
Earnings (Next)N/A N/A
Inst Owners87.66%
Inst Owner Change0%
Ins Owners0.51%
Ins Owner Change-1.1%
Market Cap30.08B
Analysts77.24
Price Target51.18 (14.09%)
Short Float %3.02%
Short Ratio4.69
Dividend
Industry RankSector Rank
Dividend Yield 3.34%
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)2.03%
PT rev (3m)15.71%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.07%
EPS NY rev (1m)0%
EPS NY rev (3m)-1.76%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.53%
Revenue NY rev (1m)0.02%
Revenue NY rev (3m)0.15%
Valuation
Industry RankSector Rank
PE 13.59
Fwd PE 12.05
P/S 3.55
P/FCF 6.54
P/OCF 6.02
P/B 1.45
P/tB 2.13
EV/EBITDA N/A
EPS(TTM)3.3
EY7.36%
EPS(NY)3.72
Fwd EY8.3%
FCF(TTM)6.86
FCFY15.3%
OCF(TTM)7.45
OCFY16.61%
SpS12.63
BVpS31
TBVpS21.05
PEG (NY)1.06
PEG (5Y)3.81
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)1.14%
ROA(5y)1.09%
ROE(3y)12.32%
ROE(5y)10.79%
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 3Y13.66%
PM growth 5Y-3.42%
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
WACC11.97%
ROIC/WACCN/A
Cap/Depr(3y)146.02%
Cap/Depr(5y)113.2%
Cap/Sales(3y)7.12%
Cap/Sales(5y)5.84%
Profit Quality(3y)169.43%
Profit Quality(5y)114.96%
High Growth Momentum
Growth
EPS 1Y (TTM)-5.17%
EPS 3Y-3.39%
EPS 5Y3.56%
EPS Q2Q%-6.25%
EPS Next Y12.83%
EPS Next 2Y12.18%
EPS Next 3Y8.65%
EPS Next 5Y1.93%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%0.42%
Revenue Next Year5.25%
Revenue Next 2Y4.87%
Revenue Next 3Y5.25%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-14.61%
EBIT Next 3Y1.85%
EBIT Next 5YN/A
FCF growth 1Y-7.83%
FCF growth 3Y466.19%
FCF growth 5Y9.11%
OCF growth 1Y-12.29%
OCF growth 3Y129.92%
OCF growth 5Y9.56%