148.94 USD
-5.86 (-3.79%)
At close: Feb 10, 2026
148.94 USD
0 (0%)
After Hours: 2/10/2026, 8:26:46 PM
Taking everything into account, NTRS scores 3 out of 10 in our fundamental rating. 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 is valued correctly, but it does not seem to be growing. Finally NTRS also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- NTRS had positive earnings in the past year.
- In the past year NTRS had a positive cash flow from operations.
- NTRS had positive earnings in each of the past 5 years.
- 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
- Looking at the Return On Assets, with a value of 0.98%, NTRS is doing worse than 68.49% of the companies in the same industry.
- The Return On Equity of NTRS (12.88%) is better than 71.43% of its industry peers.
- NTRS has a worse Return On Invested Capital (1.02%) than 65.97% 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 7.26%.
| 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's Profit Margin of 12.22% is in line compared to the rest of the industry. NTRS outperforms 40.76% of its industry peers.
- In the last couple of years the Profit Margin of NTRS has grown nicely.
- Looking at the Operating Margin, with a value of 16.83%, NTRS is in line with its industry, outperforming 40.76% of the companies in the same industry.
- In the last couple of years the Operating Margin of NTRS has grown nicely.
- With a decent Gross Margin value of 57.99%, NTRS is doing good in the industry, outperforming 65.97% of the companies in the same industry.
| 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
- Compared to 5 years ago, NTRS has less shares outstanding
- Compared to 1 year ago, NTRS has a worse debt to assets ratio.
2.2 Solvency
- Based on the Altman-Z score of -0.61, we must say that NTRS is in the distress zone and has some risk of bankruptcy.
- NTRS has a Altman-Z score of -0.61. This is amonst the worse of the industry: NTRS underperforms 82.77% of its industry peers.
- 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.
- NTRS has a Debt to FCF ratio (88.33) which is in line with its industry peers.
- 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 | -0.61 |
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 93.28% 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 93.28% 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 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.
- The Revenue for NTRS has decreased by -18.69% in the past year. This is quite bad
- The Revenue has been growing slightly by 5.60% on average over the past years.
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
- Based on estimates for the next years, NTRS will show a small growth in Earnings Per Share. The EPS will grow by 5.44% on average per year.
- Based on estimates for the next years, NTRS will show a small growth in Revenue. The Revenue will grow by 3.14% on average per year.
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.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- NTRS is valuated correctly with a Price/Earnings ratio of 16.53.
- NTRS's Price/Earnings ratio is in line with the industry average.
- The average S&P500 Price/Earnings ratio is at 28.03. NTRS is valued slightly cheaper when compared to this.
- A Price/Forward Earnings ratio of 14.55 indicates a correct valuation of NTRS.
- NTRS's Price/Forward Earnings ratio is in line with the industry average.
- When comparing the Price/Forward Earnings ratio of NTRS to the average of the S&P500 Index (27.97), we can say NTRS is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.53 | ||
| Fwd PE | 14.55 |
4.2 Price Multiples
- NTRS's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. NTRS is cheaper than 86.97% 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 | 16.43 | ||
| EV/EBITDA | 10.26 |
4.3 Compensation for Growth
- NTRS's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
- NTRS's earnings are expected to grow with 12.00% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.22
PEG (5Y)1.93
EPS Next 2Y11.7%
EPS Next 3Y12%
5. Dividend
5.1 Amount
- NTRS has a Yearly Dividend Yield of 2.17%.
- Compared to an average industry Dividend Yield of 6.12, NTRS has a dividend in line with its industry peers.
- 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 paid a dividend for at least 10 years, which is a reliable track record.
- NTRS has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)3.64%
Div Incr Years0
Div Non Decr Years25
5.3 Sustainability
- NTRS pays out 37.83% 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.
DP37.83%
EPS Next 2Y11.7%
EPS Next 3Y12%
148.94
-5.86 (-3.79%)
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 Cap28.17B
Revenue(TTM)12.29B
Net Income(TTM)1.67B
Analysts56.36
Price Target158.7 (6.55%)
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 | 16.53 | ||
| Fwd PE | 14.55 | ||
| P/S | 2.06 | ||
| P/FCF | 16.43 | ||
| P/OCF | 11.22 | ||
| P/B | 2.17 | ||
| P/tB | 2.86 | ||
| EV/EBITDA | 10.26 |
EPS(TTM)9.01
EY6.05%
EPS(NY)10.23
Fwd EY6.87%
FCF(TTM)9.07
FCFY6.09%
OCF(TTM)13.27
OCFY8.91%
SpS72.24
BVpS68.51
TBVpS51.99
PEG (NY)1.22
PEG (5Y)1.93
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 | -0.61 |
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 16.53 and the Price/Book (PB) ratio is 2.17.
How financially healthy is NORTHERN TRUST CORP?
The financial health rating of NORTHERN TRUST CORP (NTRS) is 1 / 10.