NORTHERN TRUST CORP (NTRS) Stock Fundamental Analysis
NASDAQ:NTRS • US6658591044
144.21 USD
-2.29 (-1.56%)
At close: Feb 12, 2026
144.21 USD
0 (0%)
After Hours: 2/12/2026, 8:04:58 PM
We assign a fundamental rating of 3 out of 10 to NTRS. NTRS was compared to 238 industry peers in the Capital Markets industry. There are concerns on the financial health of NTRS while its profitability can be described as average. NTRS has a valuation in line with the averages, but it does not seem to be growing. NTRS also has an excellent dividend rating.
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.
- The reported operating cash flow has been mixed in the past 5 years: NTRS reported negative operating cash flow in multiple years.
1.2 Ratios
- NTRS has a Return On Assets of 0.98%. This is in the lower half of the industry: NTRS underperforms 68.49% of its industry peers.
- NTRS has a better Return On Equity (12.88%) than 71.43% of its industry peers.
- NTRS's Return On Invested Capital of 1.02% is on the low side compared to the rest of the industry. NTRS is outperformed by 65.97% of its industry peers.
- NTRS had an Average Return On Invested Capital over the past 3 years of 1.07%. This is significantly below the industry average of 7.22%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.98% | ||
| ROE | 12.88% | ||
| ROIC | 1.02% |
ROA(3y)0.97%
ROA(5y)0.91%
ROE(3y)12.41%
ROE(5y)12.21%
ROIC(3y)1.07%
ROIC(5y)1%
1.3 Margins
- NTRS has a Profit Margin (12.22%) which is comparable to the rest of the industry.
- NTRS's Profit Margin has improved in the last couple of years.
- NTRS has a Operating Margin of 16.83%. This is comparable to the rest of the industry: NTRS outperforms 40.76% of its industry peers.
- NTRS's Operating Margin has improved in the last couple of years.
- NTRS's Gross Margin of 57.99% is fine compared to the rest of the industry. NTRS outperforms 65.97% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 16.83% | ||
| PM (TTM) | 12.22% | ||
| GM | 57.99% |
OM growth 3Y6.17%
OM growth 5Y1.82%
PM growth 3Y6.64%
PM growth 5Y2.3%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- Compared to 1 year ago, NTRS has less shares outstanding
- The number of shares outstanding for NTRS has been reduced compared to 5 years ago.
- NTRS has a worse debt/assets ratio than last year.
2.2 Solvency
- Based on the Altman-Z score of -0.62, we must say that NTRS is in the distress zone and has some risk of bankruptcy.
- NTRS has a Altman-Z score of -0.62. This is amonst the worse of the industry: NTRS underperforms 82.77% of its industry peers.
- The Debt to FCF ratio of NTRS is 88.33, which is on the high side as it means it would take NTRS, 88.33 years of fcf income to pay off all of its debts.
- Looking at the Debt to FCF ratio, with a value of 88.33, NTRS is in line with its industry, outperforming 51.68% of the companies in the same industry.
- NTRS has a Debt/Equity ratio of 11.69. This is a high value indicating a heavy dependency on external financing.
- NTRS's Debt to Equity ratio of 11.69 is on the low side compared to the rest of the industry. NTRS is outperformed by 89.08% 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
- A Current Ratio of 0.04 indicates that NTRS may have some problems paying its short term obligations.
- With a Current ratio value of 0.04, NTRS is not doing good in the industry: 93.28% of the companies in the same industry are doing better.
- NTRS has a Quick 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.
- Looking at the Quick ratio, with a value of 0.04, NTRS is doing worse than 93.28% of the companies in the same industry.
| 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 17.01%, which is quite good.
- NTRS shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.54% yearly.
- Looking at the last year, NTRS shows a very negative growth in Revenue. The Revenue has decreased by -18.69% in the last year.
- NTRS shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.60% yearly.
EPS 1Y (TTM)17.01%
EPS 3Y13.64%
EPS 5Y8.54%
EPS Q2Q%19.03%
Revenue 1Y (TTM)-18.69%
Revenue growth 3Y2.59%
Revenue growth 5Y5.6%
Sales Q2Q%8.99%
3.2 Future
- The Earnings Per Share is expected to grow by 5.44% on average over the next years.
- NTRS is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.14% yearly.
EPS Next Y13.59%
EPS Next 2Y11.7%
EPS Next 3Y12%
EPS Next 5Y5.44%
Revenue Next Year6.66%
Revenue Next 2Y5.46%
Revenue Next 3Y5.47%
Revenue Next 5Y3.14%
3.3 Evolution
- The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
- 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 16.01 indicates a correct valuation of NTRS.
- NTRS's Price/Earnings is on the same level as the industry average.
- When comparing the Price/Earnings ratio of NTRS to the average of the S&P500 Index (27.67), we can say NTRS is valued slightly cheaper.
- NTRS is valuated correctly with a Price/Forward Earnings ratio of 14.09.
- NTRS's Price/Forward Earnings is on the same level as the industry average.
- NTRS is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 27.69, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.01 | ||
| Fwd PE | 14.09 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, NTRS is valued cheaper than 86.55% of the companies in the same industry.
- 67.65% 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 | 15.91 | ||
| EV/EBITDA | 10.11 |
4.3 Compensation for Growth
- The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
- A more expensive valuation may be justified as NTRS's earnings are expected to grow with 12.00% in the coming years.
PEG (NY)1.18
PEG (5Y)1.87
EPS Next 2Y11.7%
EPS Next 3Y12%
5. Dividend
5.1 Amount
- NTRS has a Yearly Dividend Yield of 2.17%. Purely for dividend investing, there may be better candidates out there.
- NTRS's Dividend Yield is comparable with the industry average which is at 6.12.
- Compared to an average S&P500 Dividend Yield of 1.80, NTRS pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.17% |
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.
- NTRS's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP37.83%
EPS Next 2Y11.7%
EPS Next 3Y12%
144.21
-2.29 (-1.56%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)01-22 2026-01-22/bmo
Earnings (Next)04-21 2026-04-21/bmo
Inst Owners87.54%
Inst Owner Change-0.49%
Ins Owners0.84%
Ins Owner Change-0.25%
Market Cap27.27B
Revenue(TTM)12.29B
Net Income(TTM)1.67B
Analysts56.36
Price Target158.7 (10.05%)
Short Float %0.84%
Short Ratio1.56
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.17% |
Yearly Dividend3.21
Dividend Growth(5Y)3.64%
DP37.83%
Div Incr Years0
Div Non Decr Years25
Ex-Date03-06 2026-03-06 (0.8)
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)15.53%
PT rev (3m)15.19%
EPS NQ rev (1m)1.03%
EPS NQ rev (3m)1.12%
EPS NY rev (1m)7.15%
EPS NY rev (3m)7.47%
Revenue NQ rev (1m)0.24%
Revenue NQ rev (3m)0.19%
Revenue NY rev (1m)2.32%
Revenue NY rev (3m)2.53%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.01 | ||
| Fwd PE | 14.09 | ||
| P/S | 2 | ||
| P/FCF | 15.91 | ||
| P/OCF | 10.86 | ||
| P/B | 2.11 | ||
| P/tB | 2.77 | ||
| EV/EBITDA | 10.11 |
EPS(TTM)9.01
EY6.25%
EPS(NY)10.23
Fwd EY7.1%
FCF(TTM)9.07
FCFY6.29%
OCF(TTM)13.27
OCFY9.2%
SpS72.24
BVpS68.51
TBVpS51.99
PEG (NY)1.18
PEG (5Y)1.87
Graham Number117.85
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.98% | ||
| ROE | 12.88% | ||
| ROCE | 8.93% | ||
| ROIC | 1.02% | ||
| ROICexc | 1.04% | ||
| ROICexgc | 1.12% | ||
| OM | 16.83% | ||
| PM (TTM) | 12.22% | ||
| GM | 57.99% | ||
| FCFM | 12.55% |
ROA(3y)0.97%
ROA(5y)0.91%
ROE(3y)12.41%
ROE(5y)12.21%
ROIC(3y)1.07%
ROIC(5y)1%
ROICexc(3y)1.1%
ROICexc(5y)1.03%
ROICexgc(3y)1.19%
ROICexgc(5y)1.11%
ROCE(3y)10.34%
ROCE(5y)10.1%
ROICexgc growth 3Y0.79%
ROICexgc growth 5Y6.01%
ROICexc growth 3Y1.82%
ROICexc growth 5Y6.12%
OM growth 3Y6.17%
OM growth 5Y1.82%
PM growth 3Y6.64%
PM growth 5Y2.3%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
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-Score7
WACCN/A
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)17.01%
EPS 3Y13.64%
EPS 5Y8.54%
EPS Q2Q%19.03%
EPS Next Y13.59%
EPS Next 2Y11.7%
EPS Next 3Y12%
EPS Next 5Y5.44%
Revenue 1Y (TTM)-18.69%
Revenue growth 3Y2.59%
Revenue growth 5Y5.6%
Sales Q2Q%8.99%
Revenue Next Year6.66%
Revenue Next 2Y5.46%
Revenue Next 3Y5.47%
Revenue Next 5Y3.14%
EBIT growth 1Y-7%
EBIT growth 3Y8.92%
EBIT growth 5Y7.53%
EBIT Next Year6.2%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-59.4%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-49.31%
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 4 / 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 16.01 and the Price/Book (PB) ratio is 2.11.
How financially healthy is NORTHERN TRUST CORP?
The financial health rating of NORTHERN TRUST CORP (NTRS) is 1 / 10.