NORTHERN TRUST CORP (NTRS) Fundamental Analysis & Valuation

NASDAQ:NTRS • US6658591044

Current stock price

134.99 USD
-2.99 (-2.17%)
At close:
134.99 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.

3

1. NTRS Profitability Analysis

1.1 Basic Checks

  • NTRS had positive earnings in the past year.
  • NTRS had a positive operating cash flow in the past year.
  • NTRS had positive earnings in each of the past 5 years.
  • NTRS had a positive operating cash flow in 4 of the past 5 years.
NTRS Yearly Net Income VS EBIT VS OCF VS FCFNTRS Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B 4B

1.2 Ratios

  • NTRS has a worse Return On Assets (0.95%) than 63.60% of its industry peers.
  • NTRS has a Return On Equity of 12.96%. This is in the better half of the industry: NTRS outperforms 69.04% 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 67.36% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for NTRS is significantly below the industry average of 7.28%.
Industry RankSector 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%
NTRS Yearly ROA, ROE, ROICNTRS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • Looking at the Profit Margin, with a value of 12.34%, NTRS is in line with its industry, outperforming 45.19% of the companies in the same industry.
  • In the last couple of years the Profit Margin of NTRS has declined.
  • NTRS's Operating Margin of 17.19% is on the low side compared to the rest of the industry. NTRS is outperformed by 61.09% of its industry peers.
  • In the last couple of years the Operating Margin of NTRS has declined.
  • The Gross Margin of NTRS (59.43%) is better than 66.11% of its industry peers.
  • NTRS's Gross Margin has declined in the last couple of years.
Industry RankSector 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%
NTRS Yearly Profit, Operating, Gross MarginsNTRS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60 80 100

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1

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.
  • Compared to 1 year ago, NTRS has a worse debt to assets ratio.
NTRS Yearly Shares OutstandingNTRS Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M
NTRS Yearly Total Debt VS Total AssetsNTRS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50B 100B 150B

2.2 Solvency

  • NTRS has an Altman-Z score of -0.65. This is a bad value and indicates that NTRS is not financially healthy and even has some risk of bankruptcy.
  • NTRS has a Altman-Z score of -0.65. This is amonst the worse of the industry: NTRS underperforms 83.26% 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.
  • NTRS has a Debt to FCF ratio (33.46) which is comparable to the rest of the industry.
  • A Debt/Equity ratio of 12.29 is on the high side and indicates that NTRS has dependencies on debt financing.
  • NTRS has a Debt to Equity ratio of 12.29. This is amonst the worse of the industry: NTRS underperforms 90.38% of its industry peers.
Industry RankSector Rank
Debt/Equity 12.29
Debt/FCF 33.46
Altman-Z -0.65
ROIC/WACCN/A
WACCN/A
NTRS Yearly LT Debt VS Equity VS FCFNTRS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B 10B

2.3 Liquidity

  • A Current Ratio of 0.04 indicates that NTRS may have some problems paying its short term obligations.
  • NTRS's Current ratio of 0.04 is on the low side compared to the rest of the industry. NTRS is outperformed by 94.14% of its industry peers.
  • A Quick Ratio of 0.04 indicates that NTRS may have some problems paying its short term obligations.
  • NTRS's Quick ratio of 0.04 is on the low side compared to the rest of the industry. NTRS is outperformed by 94.14% of its industry peers.
Industry RankSector Rank
Current Ratio 0.04
Quick Ratio 0.04
NTRS Yearly Current Assets VS Current LiabilitesNTRS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50B 100B 150B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

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 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.
  • NTRS shows a decrease in Revenue. In the last year, the revenue decreased by -9.98%.
  • The Revenue has been growing by 17.19% on average over the past years. This is quite good.
EPS 1Y (TTM)17.01%
EPS 3Y13.64%
EPS 5Y8.54%
EPS Q2Q%19.03%
Revenue 1Y (TTM)-9.98%
Revenue growth 3Y22.03%
Revenue growth 5Y17.19%
Sales Q2Q%8.99%

3.2 Future

  • Based on estimates for the next years, NTRS will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.60% on average per year.
  • The Revenue is expected to grow by 4.83% on average over the next years.
EPS Next Y14.12%
EPS Next 2Y11.96%
EPS Next 3Y11.93%
EPS Next 5Y11.6%
Revenue Next Year6.81%
Revenue Next 2Y5.53%
Revenue Next 3Y5.49%
Revenue Next 5Y4.83%

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
NTRS Yearly Revenue VS EstimatesNTRS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 5B 10B 15B
NTRS Yearly EPS VS EstimatesNTRS Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 5 10 15

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5

4. NTRS Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 14.98, NTRS is valued correctly.
  • 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 24.88, which is the current average of the S&P500 Index.
  • NTRS is valuated correctly with a Price/Forward Earnings ratio of 13.13.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of NTRS is on the same level as its industry peers.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.19, NTRS is valued a bit cheaper.
Industry RankSector Rank
PE 14.98
Fwd PE 13.13
NTRS Price Earnings VS Forward Price EarningsNTRS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, NTRS is valued cheaply inside the industry as 87.87% of the companies are valued more expensively.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of NTRS indicates a rather cheap valuation: NTRS is cheaper than 83.68% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 5.26
EV/EBITDA 8.7
NTRS Per share dataNTRS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

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)1.06
PEG (5Y)1.75
EPS Next 2Y11.96%
EPS Next 3Y11.93%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. NTRS Dividend Analysis

5.1 Amount

  • NTRS has a Yearly Dividend Yield of 2.32%.
  • Compared to an average industry Dividend Yield of 6.76, NTRS has a dividend in line with its industry peers.
  • NTRS's Dividend Yield is a higher than the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 2.32%

5.2 History

  • The dividend of NTRS has a limited annual growth rate of 1.90%.
  • 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)1.9%
Div Incr Years0
Div Non Decr Years25
NTRS Yearly Dividends per shareNTRS Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

5.3 Sustainability

  • 37.72% 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.
DP37.72%
EPS Next 2Y11.96%
EPS Next 3Y11.93%
NTRS Yearly Income VS Free CF VS DividendNTRS Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B -1B 2B 3B 4B
NTRS Dividend Payout.NTRS Dividend Payout, showing the Payout Ratio.NTRS Dividend Payout.PayoutRetained Earnings

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NTRS Fundamentals: All Metrics, Ratios and Statistics

NORTHERN TRUST CORP

NASDAQ:NTRS (3/27/2026, 8:00:01 PM)

After market: 134.99 0 (0%)

134.99

-2.99 (-2.17%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)01-22
Earnings (Next)04-21
Inst Owners85.74%
Inst Owner Change-2.44%
Ins Owners0.96%
Ins Owner Change7.85%
Market Cap25.02B
Revenue(TTM)13.61B
Net Income(TTM)1.68B
Analysts56.36
Price Target162.86 (20.65%)
Short Float %0.97%
Short Ratio1.62
Dividend
Industry RankSector Rank
Dividend Yield 2.32%
Yearly Dividend3.31
Dividend Growth(5Y)1.9%
DP37.72%
Div Incr Years0
Div Non Decr Years25
Ex-Date03-06
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)2.62%
PT rev (3m)18.8%
EPS NQ rev (1m)0.39%
EPS NQ rev (3m)7.7%
EPS NY rev (1m)0.47%
EPS NY rev (3m)8.16%
Revenue NQ rev (1m)0.19%
Revenue NQ rev (3m)2.49%
Revenue NY rev (1m)0.14%
Revenue NY rev (3m)2.71%
Valuation
Industry RankSector Rank
PE 14.98
Fwd PE 13.13
P/S 1.84
P/FCF 5.26
P/OCF 4.52
P/B 1.93
P/tB 2.54
EV/EBITDA 8.7
EPS(TTM)9.01
EY6.67%
EPS(NY)10.28
Fwd EY7.62%
FCF(TTM)25.68
FCFY19.02%
OCF(TTM)29.86
OCFY22.12%
SpS73.43
BVpS69.92
TBVpS53.06
PEG (NY)1.06
PEG (5Y)1.75
Graham Number119.06
Profitability
Industry RankSector 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 RankSector 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 -0.65
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)17.01%
EPS 3Y13.64%
EPS 5Y8.54%
EPS Q2Q%19.03%
EPS Next Y14.12%
EPS Next 2Y11.96%
EPS Next 3Y11.93%
EPS Next 5Y11.6%
Revenue 1Y (TTM)-9.98%
Revenue growth 3Y22.03%
Revenue growth 5Y17.19%
Sales Q2Q%8.99%
Revenue Next Year6.81%
Revenue Next 2Y5.53%
Revenue Next 3Y5.49%
Revenue Next 5Y4.83%
EBIT growth 1Y-17.53%
EBIT growth 3Y9.17%
EBIT growth 5Y7.67%
EBIT Next Year14.94%
EBIT Next 3Y9.29%
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.


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 14.98 and the Price/Book (PB) ratio is 1.93.


How financially healthy is NORTHERN TRUST CORP?

The financial health rating of NORTHERN TRUST CORP (NTRS) is 1 / 10.