145.25 USD
-0.92 (-0.63%)
145.25 USD
0 (0%)
NTRS gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 235 industry peers in the Capital Markets industry. Both the profitability and financial health of NTRS have multiple concerns. NTRS has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
- NTRS had positive earnings in the past year.
- NTRS had a positive operating cash flow in the past year.
- In the past 5 years NTRS has always been profitable.
- NTRS had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- With a Return On Assets value of 0.98%, NTRS is not doing good in the industry: 65.53% of the companies in the same industry are doing better.
- NTRS has a Return On Equity of 12.88%. This is in the better half of the industry: NTRS outperforms 71.91% of its industry peers.
- NTRS has a worse Return On Invested Capital (1.03%) than 66.38% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for NTRS is significantly below the industry average of 7.17%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.98% | ||
| ROE | 12.88% | ||
| ROIC | 1.03% |
ROA(3y)0.93%
ROA(5y)0.86%
ROE(3y)11.89%
ROE(5y)11.57%
ROIC(3y)1.06%
ROIC(5y)0.96%
1.3 Margins
- NTRS has a Profit Margin of 12.22%. This is comparable to the rest of the industry: NTRS outperforms 43.83% of its industry peers.
- In the last couple of years the Profit Margin of NTRS has declined.
- The Operating Margin of NTRS (16.83%) is comparable to the rest of the industry.
- NTRS's Operating Margin has declined in the last couple of years.
- NTRS has a better Gross Margin (57.99%) than 69.79% of its industry peers.
- NTRS's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 16.83% | ||
| PM (TTM) | 12.22% | ||
| GM | 57.99% |
OM growth 3Y-16.14%
OM growth 5Y-8.62%
PM growth 3Y-17.54%
PM growth 5Y-9.62%
GM growth 3Y-18.4%
GM growth 5Y-9.82%
2. Health
2.1 Basic Checks
- Compared to 1 year ago, NTRS has less shares outstanding
- Compared to 5 years ago, NTRS has less shares outstanding
- NTRS has a worse debt/assets ratio than last year.
2.2 Solvency
- NTRS has an Altman-Z score of -0.62. This is a bad value and indicates that NTRS is not financially healthy and even has some risk of bankruptcy.
- With a Altman-Z score value of -0.62, NTRS is not doing good in the industry: 79.15% of the companies in the same industry are doing better.
- NTRS has a debt to FCF ratio of 88.33. This is a negative value and a sign of low solvency as NTRS would need 88.33 years to pay back of all of its debts.
- The Debt to FCF ratio of NTRS (88.33) is comparable to the rest of the industry.
- A Debt/Equity ratio of 11.69 is on the high side and indicates that NTRS has dependencies on debt financing.
- NTRS has a Debt to Equity ratio of 11.69. This is amonst the worse of the industry: NTRS underperforms 88.94% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 11.69 | ||
| Debt/FCF | 88.33 | ||
| Altman-Z | -0.62 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
- NTRS has a Current Ratio of 0.04. This is a bad value and indicates that NTRS is not financially healthy enough and could expect problems in meeting its short term obligations.
- NTRS has a worse Current ratio (0.04) than 93.62% of its industry peers.
- A Quick Ratio of 0.04 indicates that NTRS may have some problems paying its short term obligations.
- NTRS has a Quick ratio of 0.04. This is amonst the worse of the industry: NTRS underperforms 93.62% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.04 | ||
| Quick Ratio | 0.04 |
3. Growth
3.1 Past
- NTRS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 24.35%, which is quite impressive.
- The Earnings Per Share has been growing slightly by 2.76% on average over the past years.
- Looking at the last year, NTRS shows a decrease in Revenue. The Revenue has decreased by -6.98% in the last year.
- Measured over the past years, NTRS shows a quite strong growth in Revenue. The Revenue has been growing by 18.02% on average per year.
EPS 1Y (TTM)24.35%
EPS 3Y2.26%
EPS 5Y2.76%
EPS Q2Q%16.24%
Revenue 1Y (TTM)-6.98%
Revenue growth 3Y33.14%
Revenue growth 5Y18.02%
Sales Q2Q%6.47%
3.2 Future
- NTRS is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.66% yearly.
- NTRS is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.48% yearly.
EPS Next Y14.65%
EPS Next 2Y11.37%
EPS Next 3Y10.52%
EPS Next 5Y7.66%
Revenue Next Year4.85%
Revenue Next 2Y4.55%
Revenue Next 3Y4.47%
Revenue Next 5Y3.48%
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 decreasing.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 16.93 indicates a correct valuation of NTRS.
- The rest of the industry has a similar Price/Earnings ratio as NTRS.
- The average S&P500 Price/Earnings ratio is at 27.30. NTRS is valued slightly cheaper when compared to this.
- NTRS is valuated correctly with a Price/Forward Earnings ratio of 15.21.
- NTRS's Price/Forward Earnings is on the same level as the industry average.
- NTRS's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 24.04.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.93 | ||
| Fwd PE | 15.21 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, NTRS is valued cheaper than 88.09% of the companies in the same industry.
- 66.81% of the companies in the same industry are more expensive than NTRS, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.02 | ||
| EV/EBITDA | 10.04 |
4.3 Compensation for Growth
- The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.16
PEG (5Y)6.13
EPS Next 2Y11.37%
EPS Next 3Y10.52%
5. Dividend
5.1 Amount
- NTRS has a Yearly Dividend Yield of 2.22%. Purely for dividend investing, there may be better candidates out there.
- NTRS's Dividend Yield is comparable with the industry average which is at 6.19.
- NTRS's Dividend Yield is comparable with the S&P500 average which is at 1.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.22% |
5.2 History
- The dividend of NTRS has a limited annual growth rate of 3.64%.
- NTRS has been paying a dividend for at least 10 years, so it has a reliable track record.
- NTRS has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)3.64%
Div Incr Years0
Div Non Decr Years25
5.3 Sustainability
- 37.83% of the earnings are spent on dividend by NTRS. This is a low number and sustainable payout ratio.
- The dividend of NTRS is growing, but earnings are growing more, so the dividend growth is sustainable.
DP37.83%
EPS Next 2Y11.37%
EPS Next 3Y10.52%
145.25
-0.92 (-0.63%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)10-22 2025-10-22/bmo
Earnings (Next)01-22 2026-01-22/amc
Inst Owners87.54%
Inst Owner Change0.08%
Ins Owners0.84%
Ins Owner Change-0.79%
Market Cap27.47B
Revenue(TTM)13.66B
Net Income(TTM)1.67B
Analysts56.36
Price Target137.36 (-5.43%)
Short Float %1.43%
Short Ratio2.61
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.22% |
Yearly Dividend3.21
Dividend Growth(5Y)3.64%
DP37.83%
Div Incr Years0
Div Non Decr Years25
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.93%
Min EPS beat(2)-0.03%
Max EPS beat(2)1.89%
EPS beat(4)3
Avg EPS beat(4)3.11%
Min EPS beat(4)-0.03%
Max EPS beat(4)9.83%
EPS beat(8)6
Avg EPS beat(8)5.97%
EPS beat(12)6
Avg EPS beat(12)-1.98%
EPS beat(16)8
Avg EPS beat(16)-1.49%
Revenue beat(2)1
Avg Revenue beat(2)-0.21%
Min Revenue beat(2)-1.79%
Max Revenue beat(2)1.37%
Revenue beat(4)1
Avg Revenue beat(4)-0.77%
Min Revenue beat(4)-2.11%
Max Revenue beat(4)1.37%
Revenue beat(8)2
Avg Revenue beat(8)-2.93%
Revenue beat(12)3
Avg Revenue beat(12)-1.49%
Revenue beat(16)5
Avg Revenue beat(16)-0.75%
PT rev (1m)0.2%
PT rev (3m)6.95%
EPS NQ rev (1m)0.03%
EPS NQ rev (3m)2.96%
EPS NY rev (1m)0.01%
EPS NY rev (3m)1.8%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.26%
Revenue NY rev (1m)0.01%
Revenue NY rev (3m)0.42%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.93 | ||
| Fwd PE | 15.21 | ||
| P/S | 2.01 | ||
| P/FCF | 16.02 | ||
| P/OCF | 10.94 | ||
| P/B | 2.12 | ||
| P/tB | 2.79 | ||
| EV/EBITDA | 10.04 |
EPS(TTM)8.58
EY5.91%
EPS(NY)9.55
Fwd EY6.58%
FCF(TTM)9.07
FCFY6.24%
OCF(TTM)13.27
OCFY9.14%
SpS72.24
BVpS68.51
TBVpS51.99
PEG (NY)1.16
PEG (5Y)6.13
Graham Number115
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.98% | ||
| ROE | 12.88% | ||
| ROCE | 8.93% | ||
| ROIC | 1.03% | ||
| ROICexc | 1.05% | ||
| ROICexgc | 1.13% | ||
| OM | 16.83% | ||
| PM (TTM) | 12.22% | ||
| GM | 57.99% | ||
| FCFM | 12.55% |
ROA(3y)0.93%
ROA(5y)0.86%
ROE(3y)11.89%
ROE(5y)11.57%
ROIC(3y)1.06%
ROIC(5y)0.96%
ROICexc(3y)1.09%
ROICexc(5y)0.98%
ROICexgc(3y)1.2%
ROICexgc(5y)1.07%
ROCE(3y)10.14%
ROCE(5y)9.75%
ROICexgc growth 3Y19.04%
ROICexgc growth 5Y4.26%
ROICexc growth 3Y17.62%
ROICexc growth 5Y3.85%
OM growth 3Y-16.14%
OM growth 5Y-8.62%
PM growth 3Y-17.54%
PM growth 5Y-9.62%
GM growth 3Y-18.4%
GM growth 5Y-9.82%
F-Score6
Asset Turnover0.08
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 11.69 | ||
| Debt/FCF | 88.33 | ||
| Debt/EBITDA | 49.41 | ||
| Cap/Depr | 104.01% | ||
| Cap/Sales | 5.83% | ||
| Interest Coverage | 0.36 | ||
| Cash Conversion | 81.9% | ||
| Profit Quality | 102.71% | ||
| Current Ratio | 0.04 | ||
| Quick Ratio | 0.04 | ||
| Altman-Z | -0.62 |
F-Score6
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)113.73%
Cap/Depr(5y)110.62%
Cap/Sales(3y)6.87%
Cap/Sales(5y)7.55%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)24.35%
EPS 3Y2.26%
EPS 5Y2.76%
EPS Q2Q%16.24%
EPS Next Y14.65%
EPS Next 2Y11.37%
EPS Next 3Y10.52%
EPS Next 5Y7.66%
Revenue 1Y (TTM)-6.98%
Revenue growth 3Y33.14%
Revenue growth 5Y18.02%
Sales Q2Q%6.47%
Revenue Next Year4.85%
Revenue Next 2Y4.55%
Revenue Next 3Y4.47%
Revenue Next 5Y3.48%
EBIT growth 1Y-7%
EBIT growth 3Y11.65%
EBIT growth 5Y7.85%
EBIT Next Year-5.14%
EBIT Next 3Y-0.57%
EBIT Next 5YN/A
FCF growth 1Y-47.75%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-36.84%
OCF growth 3YN/A
OCF growth 5YN/A
NORTHERN TRUST CORP / NTRS FAQ
What is the ChartMill fundamental rating of NORTHERN TRUST CORP (NTRS) stock?
ChartMill assigns a fundamental rating of 3 / 10 to NTRS.
What is the valuation status for NTRS stock?
ChartMill assigns a valuation rating of 5 / 10 to NORTHERN TRUST CORP (NTRS). This can be considered as Fairly Valued.
What is the profitability of NTRS stock?
NORTHERN TRUST CORP (NTRS) has a profitability rating of 3 / 10.
What are the PE and PB ratios of NORTHERN TRUST CORP (NTRS) stock?
The Price/Earnings (PE) ratio for NORTHERN TRUST CORP (NTRS) is 16.93 and the Price/Book (PB) ratio is 2.12.
How financially healthy is NORTHERN TRUST CORP?
The financial health rating of NORTHERN TRUST CORP (NTRS) is 1 / 10.