NORTHERN TRUST CORP (NTRS) Fundamental Analysis & Valuation
NASDAQ:NTRS • US6658591044
Current stock price
166.9 USD
-0.91 (-0.54%)
At close:
166.9 USD
0 (0%)
After Hours:
This NTRS fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
1. NTRS Profitability Analysis
1.1 Basic Checks
- NTRS had positive earnings in the past year.
- In the past year NTRS had a positive cash flow from operations.
- Each year in the past 5 years NTRS has been profitable.
- Of the past 5 years NTRS 4 years had a positive operating cash flow.
1.2 Ratios
- NTRS's Return On Assets of 0.95% is on the low side compared to the rest of the industry. NTRS is outperformed by 63.18% of its industry peers.
- NTRS has a better Return On Equity (12.96%) than 68.62% of its industry peers.
- NTRS's Return On Invested Capital of 1.00% is on the low side compared to the rest of the industry. NTRS is outperformed by 71.13% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for NTRS is significantly below the industry average of 7.30%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.95% | ||
| ROE | 12.96% | ||
| ROIC | 1% |
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 (12.34%) which is in line with its industry peers.
- NTRS's Profit Margin has declined in the last couple of years.
- NTRS's Operating Margin of 17.19% is on the low side compared to the rest of the industry. NTRS is outperformed by 61.92% of its industry peers.
- NTRS's Operating Margin has declined in the last couple of years.
- NTRS has a Gross Margin of 59.43%. This is in the better half of the industry: NTRS outperforms 66.11% of its industry peers.
- In the last couple of years the Gross Margin of NTRS has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 17.19% | ||
| PM (TTM) | 12.34% | ||
| GM | 59.43% |
OM growth 3Y-10.54%
OM growth 5Y-8.12%
PM growth 3Y-10.35%
PM growth 5Y-7.81%
GM growth 3Y-13.01%
GM growth 5Y-9.72%
2. NTRS Health Analysis
2.1 Basic Checks
- NTRS has less shares outstanding than it did 1 year ago.
- NTRS has less shares outstanding than it did 5 years ago.
- The debt/assets ratio for NTRS is higher compared to a year ago.
2.2 Solvency
- NTRS has an Altman-Z score of -0.63. This is a bad value and indicates that NTRS is not financially healthy and even has some risk of bankruptcy.
- NTRS has a worse Altman-Z score (-0.63) than 84.10% of its industry peers.
- NTRS has a debt to FCF ratio of 33.46. This is a negative value and a sign of low solvency as NTRS would need 33.46 years to pay back of all of its debts.
- Looking at the Debt to FCF ratio, with a value of 33.46, NTRS is in line with its industry, outperforming 49.79% of the companies in the same industry.
- NTRS has a Debt/Equity ratio of 12.29. This is a high value indicating a heavy dependency on external financing.
- NTRS has a Debt to Equity ratio of 12.29. This is amonst the worse of the industry: NTRS underperforms 90.79% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 12.29 | ||
| Debt/FCF | 33.46 | ||
| Altman-Z | -0.63 |
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.
- With a Current ratio value of 0.04, NTRS is not doing good in the industry: 94.14% 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.
- With a Quick ratio value of 0.04, NTRS is not doing good in the industry: 94.14% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.04 | ||
| Quick Ratio | 0.04 |
3. NTRS Growth Analysis
3.1 Past
- NTRS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 24.15%, which is quite impressive.
- Measured over the past years, NTRS shows a quite strong growth in Earnings Per Share. The EPS has been growing by 8.54% on average per year.
- The Revenue for NTRS has decreased by -17.27% in the past year. This is quite bad
- The Revenue has been growing by 17.19% on average over the past years. This is quite good.
EPS 1Y (TTM)24.15%
EPS 3Y13.64%
EPS 5Y8.54%
EPS Q2Q%42.63%
Revenue 1Y (TTM)-17.27%
Revenue growth 3Y22.03%
Revenue growth 5Y17.19%
Sales Q2Q%13.73%
3.2 Future
- NTRS is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 11.60% yearly.
- NTRS is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.83% yearly.
EPS Next Y15.03%
EPS Next 2Y12.55%
EPS Next 3Y12.13%
EPS Next 5Y11.6%
Revenue Next Year7.08%
Revenue Next 2Y5.59%
Revenue Next 3Y5.34%
Revenue Next 5Y4.83%
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 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. NTRS Valuation Analysis
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 17.00 indicates a correct valuation of NTRS.
- Compared to the rest of the industry, the Price/Earnings ratio of NTRS is on the same level as its industry peers.
- NTRS is valuated rather cheaply when we compare the Price/Earnings ratio to 26.91, which is the current average of the S&P500 Index.
- The Price/Forward Earnings ratio is 14.62, which indicates a correct valuation of NTRS.
- NTRS's Price/Forward Earnings is on the same level as the industry average.
- When comparing the Price/Forward Earnings ratio of NTRS to the average of the S&P500 Index (21.99), we can say NTRS is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17 | ||
| Fwd PE | 14.62 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, NTRS is valued cheaper than 83.68% of the companies in the same industry.
- Based on the Price/Free Cash Flow ratio, NTRS is valued cheaper than 82.01% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.5 | ||
| EV/EBITDA | 10.48 |
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 12.13% in the coming years.
PEG (NY)1.13
PEG (5Y)1.99
EPS Next 2Y12.55%
EPS Next 3Y12.13%
5. NTRS Dividend Analysis
5.1 Amount
- NTRS has a Yearly Dividend Yield of 1.91%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 6.53, NTRS has a dividend in line with its industry peers.
- NTRS's Dividend Yield is comparable with the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.91% |
5.2 History
- The dividend of NTRS has a limited annual growth rate of 1.90%.
- NTRS has paid a dividend for at least 10 years, which is a reliable track record.
- NTRS has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)1.9%
Div Incr Years1
Div Non Decr Years26
5.3 Sustainability
- NTRS pays out 37.72% of its income as dividend. This is a sustainable payout ratio.
- NTRS's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP37.72%
EPS Next 2Y12.55%
EPS Next 3Y12.13%
NTRS Fundamentals: All Metrics, Ratios and Statistics
166.9
-0.91 (-0.54%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)04-21 2026-04-21/bmo
Earnings (Next)07-22 2026-07-22/bmo
Inst Owners85.65%
Inst Owner Change0.56%
Ins Owners0.77%
Ins Owner Change8.67%
Market Cap30.93B
Revenue(TTM)12.47B
Net Income(TTM)1.68B
Analysts56.36
Price Target176.92 (6%)
Short Float %1.41%
Short Ratio2.35
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.91% |
Yearly Dividend3.31
Dividend Growth(5Y)1.9%
DP37.72%
Div Incr Years1
Div Non Decr Years26
Ex-Date03-06 2026-03-06 (0.8)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)5.71%
Min EPS beat(2)-0.03%
Max EPS beat(2)11.46%
EPS beat(4)3
Avg EPS beat(4)3.52%
Min EPS beat(4)-0.03%
Max EPS beat(4)11.46%
EPS beat(8)6
Avg EPS beat(8)5.13%
EPS beat(12)7
Avg EPS beat(12)4.09%
EPS beat(16)8
Avg EPS beat(16)-0.99%
Revenue beat(2)1
Avg Revenue beat(2)-0.02%
Min Revenue beat(2)-1.79%
Max Revenue beat(2)1.75%
Revenue beat(4)2
Avg Revenue beat(4)-0.2%
Min Revenue beat(4)-2.11%
Max Revenue beat(4)1.75%
Revenue beat(8)3
Avg Revenue beat(8)-1.5%
Revenue beat(12)3
Avg Revenue beat(12)-2.41%
Revenue beat(16)6
Avg Revenue beat(16)-0.51%
PT rev (1m)-1.83%
PT rev (3m)9.89%
EPS NQ rev (1m)3.1%
EPS NQ rev (3m)6.35%
EPS NY rev (1m)0.8%
EPS NY rev (3m)6.64%
Revenue NQ rev (1m)1.21%
Revenue NQ rev (3m)2.02%
Revenue NY rev (1m)0.25%
Revenue NY rev (3m)1.23%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17 | ||
| Fwd PE | 14.62 | ||
| P/S | 2.27 | ||
| P/FCF | 6.5 | ||
| P/OCF | 5.59 | ||
| P/B | 2.39 | ||
| P/tB | 3.15 | ||
| EV/EBITDA | 10.48 |
EPS(TTM)9.82
EY5.88%
EPS(NY)11.41
Fwd EY6.84%
FCF(TTM)25.68
FCFY15.39%
OCF(TTM)29.86
OCFY17.89%
SpS73.43
BVpS69.92
TBVpS53.06
PEG (NY)1.13
PEG (5Y)1.99
Graham Number124.295 (-25.53%)
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.95% | ||
| ROE | 12.96% | ||
| ROCE | 9.7% | ||
| ROIC | 1% | ||
| ROICexc | 1.03% | ||
| ROICexgc | 1.11% | ||
| OM | 17.19% | ||
| PM (TTM) | 12.34% | ||
| GM | 59.43% | ||
| FCFM | 34.98% |
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)1.2%
ROICexgc(5y)1.12%
ROCE(3y)10.44%
ROCE(5y)10.16%
ROICexgc growth 3Y1.7%
ROICexgc growth 5Y6.58%
ROICexc growth 3Y2.17%
ROICexc growth 5Y6.34%
OM growth 3Y-10.54%
OM growth 5Y-8.12%
PM growth 3Y-10.35%
PM growth 5Y-7.81%
GM growth 3Y-13.01%
GM growth 5Y-9.72%
F-Score7
Asset Turnover0.08
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 12.29 | ||
| Debt/FCF | 33.46 | ||
| Debt/EBITDA | 51.06 | ||
| Cap/Depr | 99.37% | ||
| Cap/Sales | 5.69% | ||
| Interest Coverage | 0.38 | ||
| Cash Conversion | 177.44% | ||
| Profit Quality | 283.43% | ||
| Current Ratio | 0.04 | ||
| Quick Ratio | 0.04 | ||
| Altman-Z | -0.63 |
F-Score7
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)103.29%
Cap/Depr(5y)108.09%
Cap/Sales(3y)5.54%
Cap/Sales(5y)6.87%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)24.15%
EPS 3Y13.64%
EPS 5Y8.54%
EPS Q2Q%42.63%
EPS Next Y15.03%
EPS Next 2Y12.55%
EPS Next 3Y12.13%
EPS Next 5Y11.6%
Revenue 1Y (TTM)-17.27%
Revenue growth 3Y22.03%
Revenue growth 5Y17.19%
Sales Q2Q%13.73%
Revenue Next Year7.08%
Revenue Next 2Y5.59%
Revenue Next 3Y5.34%
Revenue Next 5Y4.83%
EBIT growth 1Y-17.53%
EBIT growth 3Y9.17%
EBIT growth 5Y7.67%
EBIT Next Year14.68%
EBIT Next 3Y8.33%
EBIT Next 5YN/A
FCF growth 1Y486.46%
FCF growth 3Y41.81%
FCF growth 5Y28.92%
OCF growth 1Y1238.58%
OCF growth 3Y32.25%
OCF growth 5Y23.88%
NORTHERN TRUST CORP / NTRS Fundamental Analysis 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.
Can you provide the profitability details for NORTHERN TRUST CORP?
NORTHERN TRUST CORP (NTRS) has a profitability rating of 3 / 10.
What is the earnings growth outlook for NORTHERN TRUST CORP?
The Earnings per Share (EPS) of NORTHERN TRUST CORP (NTRS) is expected to grow by 15.03% in the next year.
Can you provide the dividend sustainability for NTRS stock?
The dividend rating of NORTHERN TRUST CORP (NTRS) is 6 / 10 and the dividend payout ratio is 37.72%.