NORTHERN TRUST CORP (NTRS) Stock Fundamental Analysis

NASDAQ:NTRS • US6658591044

143.06 USD
-3.44 (-2.35%)
Last: Feb 12, 2026, 11:55 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

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. NTRS has a medium profitability rating, but doesn't score so well on its financial health evaluation. NTRS is valued correctly, but it does not seem to be growing. NTRS also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

4

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.
  • Each year in the past 5 years NTRS has been profitable.
  • The reported operating cash flow has been mixed in the past 5 years: NTRS reported negative operating cash flow in multiple 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 1B -1B 2B

1.2 Ratios

  • The Return On Assets of NTRS (0.98%) is worse than 68.49% of its industry peers.
  • NTRS has a Return On Equity of 12.88%. This is in the better half of the industry: NTRS outperforms 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.
  • The Average Return On Invested Capital over the past 3 years for NTRS is significantly below the industry average of 7.22%.
Industry RankSector 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%
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

  • 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.
  • NTRS's Profit Margin has improved in the last couple of years.
  • NTRS has a Operating Margin (16.83%) which is in line with 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 RankSector 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
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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

1

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.
  • 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 -0.62. 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: 82.77% 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.
  • With a Debt to FCF ratio value of 88.33, NTRS perfoms like the industry average, 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.
  • The Debt to Equity ratio of NTRS (11.69) is worse than 89.08% of its industry peers.
Industry RankSector Rank
Debt/Equity 11.69
Debt/FCF 88.33
Altman-Z -0.62
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 has a worse Current ratio (0.04) than 93.28% of its industry peers.
  • 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: 93.28% of the companies in the same industry are doing better.
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

3

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 17.01% over the past year.
  • The Earnings Per Share has been growing by 8.54% on average over the past years. This is quite good.
  • The Revenue for NTRS has decreased by -18.69% in the past year. This is quite bad
  • 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.
  • 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 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 2 4 6 8 10

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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 15.88, NTRS is valued correctly.
  • NTRS's Price/Earnings is on the same level as the industry average.
  • The average S&P500 Price/Earnings ratio is at 28.18. NTRS is valued slightly cheaper when compared to this.
  • Based on the Price/Forward Earnings ratio of 13.98, the valuation of NTRS can be described as correct.
  • The rest of the industry has a similar Price/Forward Earnings ratio as NTRS.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.01, NTRS is valued rather cheaply.
Industry RankSector Rank
PE 15.88
Fwd PE 13.98
NTRS Price Earnings VS Forward Price EarningsNTRS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, NTRS is valued cheaply inside the industry as 86.55% of the companies are valued more expensively.
  • Based on the Price/Free Cash Flow ratio, NTRS is valued a bit cheaper than the industry average as 67.65% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 15.78
EV/EBITDA 10.11
NTRS Per share dataNTRS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

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)1.17
PEG (5Y)1.86
EPS Next 2Y11.7%
EPS Next 3Y12%

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

7

5. Dividend

5.1 Amount

  • NTRS has a Yearly Dividend Yield of 2.17%.
  • NTRS's Dividend Yield is comparable with the industry average which is at 6.12.
  • NTRS's Dividend Yield is a higher than the S&P500 average which is at 1.80.
Industry RankSector 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 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
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

  • 37.83% 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%
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
NTRS Dividend Payout.NTRS Dividend Payout, showing the Payout Ratio.NTRS Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

NORTHERN TRUST CORP

NASDAQ:NTRS (2/12/2026, 11:55:02 AM)

143.06

-3.44 (-2.35%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)01-22
Earnings (Next)04-21
Inst Owners87.54%
Inst Owner Change-0.49%
Ins Owners0.84%
Ins Owner Change-0.25%
Market Cap27.06B
Revenue(TTM)12.29B
Net Income(TTM)1.67B
Analysts56.36
Price Target158.7 (10.93%)
Short Float %0.84%
Short Ratio1.56
Dividend
Industry RankSector 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
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 RankSector Rank
PE 15.88
Fwd PE 13.98
P/S 1.98
P/FCF 15.78
P/OCF 10.78
P/B 2.09
P/tB 2.75
EV/EBITDA 10.11
EPS(TTM)9.01
EY6.3%
EPS(NY)10.23
Fwd EY7.15%
FCF(TTM)9.07
FCFY6.34%
OCF(TTM)13.27
OCFY9.28%
SpS72.24
BVpS68.51
TBVpS51.99
PEG (NY)1.17
PEG (5Y)1.86
Graham Number117.85
Profitability
Industry RankSector 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 RankSector 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 15.88 and the Price/Book (PB) ratio is 2.09.


How financially healthy is NORTHERN TRUST CORP?

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