NORTHERN TRUST CORP (NTRS) Stock Fundamental Analysis

NASDAQ:NTRS • US6658591044

145.96 USD
+1.75 (+1.21%)
Last: Feb 13, 2026, 12:03 PM
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. 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.


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.
  • 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.
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

  • 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 71.01% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 1.02%, NTRS is doing worse than 65.97% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital 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 has a Profit Margin of 12.22%. This is comparable 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.
  • NTRS has a Operating Margin (16.83%) which is comparable to the rest of the industry.
  • NTRS's Operating Margin has improved in the last couple of years.
  • 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 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
  • Compared to 5 years ago, NTRS has less shares outstanding
  • NTRS has a worse debt/assets ratio than last year.
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.
  • The Altman-Z score of NTRS (-0.62) is worse than 83.19% 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.
  • A Debt/Equity ratio of 11.69 is on the high side and indicates that NTRS has dependencies on debt financing.
  • With a Debt to Equity ratio value of 11.69, NTRS is not doing good in the industry: 89.08% of the companies in the same industry are doing better.
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 Current ratio of 0.04. This is amonst the worse of the industry: NTRS underperforms 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.
  • NTRS has a Quick ratio of 0.04. This is amonst the worse of the industry: NTRS underperforms 93.28% 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

More info and screens

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

3

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.
  • The Earnings Per Share has been growing by 8.54% on average over the past years. This is quite good.
  • NTRS shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -18.69%.
  • Measured over the past years, NTRS shows a small growth in Revenue. The Revenue has been growing by 5.60% on average per year.
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.
  • 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.
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

More info and screens

Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 16.20, which indicates a correct valuation of NTRS.
  • The rest of the industry has a similar Price/Earnings ratio as NTRS.
  • The average S&P500 Price/Earnings ratio is at 27.67. NTRS is valued slightly cheaper when compared to this.
  • With a Price/Forward Earnings ratio of 14.26, NTRS is valued correctly.
  • NTRS's Price/Forward Earnings is on the same level as the industry average.
  • The average S&P500 Price/Forward Earnings ratio is at 27.69. NTRS is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 16.2
Fwd PE 14.26
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 86.97% 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 68.07% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 16.1
EV/EBITDA 9.97
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.
  • A more expensive valuation may be justified as NTRS's earnings are expected to grow with 12.00% in the coming years.
PEG (NY)1.19
PEG (5Y)1.9
EPS Next 2Y11.7%
EPS Next 3Y12%

More info and screens

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%. Purely for dividend investing, there may be better candidates out there.
  • 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 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 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
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.
  • The dividend of NTRS is growing, but earnings are growing more, so the dividend growth is 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

More info and screens

Find the best dividend stocksShow peers with best dividend

NORTHERN TRUST CORP

NASDAQ:NTRS (2/13/2026, 12:03:33 PM)

145.96

+1.75 (+1.21%)

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 Cap27.60B
Revenue(TTM)12.29B
Net Income(TTM)1.67B
Analysts56.36
Price Target158.7 (8.73%)
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 16.2
Fwd PE 14.26
P/S 2.02
P/FCF 16.1
P/OCF 11
P/B 2.13
P/tB 2.81
EV/EBITDA 9.97
EPS(TTM)9.01
EY6.17%
EPS(NY)10.23
Fwd EY7.01%
FCF(TTM)9.07
FCFY6.21%
OCF(TTM)13.27
OCFY9.09%
SpS72.24
BVpS68.51
TBVpS51.99
PEG (NY)1.19
PEG (5Y)1.9
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 16.2 and the Price/Book (PB) ratio is 2.13.


How financially healthy is NORTHERN TRUST CORP?

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