FITB
FIFTH THIRD BANCORP
Financials • CIK: 0000035527
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Market Cap
$17.05B
P/E (TTM)
7.6x
Rev Growth (TTM)
+1340.9%
Net Margin (TTM)
25.5%
FCF Yield (TTM)
17.1%
FCF Margin (TTM)
33.0%
Cash Flow Health
Free Cash Flow7/8 positive
TTM$2.9B
Q3 '25
$886M-24%
Q2 '25
$1.2B+4%
FCF Margin
TTM33.0%
Q3 '2538.5%-26%
Sector: 21.9%Top 25%
OCF Margin39.4%
OCF/NI1.54x
CapEx Coverage6.2x
FCF Yield17.1%
FCF Growth (2Y)-18%
Cash Conversion Cycle
0 days
DSO: 0+DIO: –−DPO: –
Capital Allocation & Returns
Shareholder Friendly
Total Shareholder YieldTTM
TTM10.8%
Div Yield5.9%
+Buyback (TTM)4.8%
Strong capital returns to shareholders
Dividend & Payout Metrics
Dividend Yield (TTM)5.9%
FCF Payout Ratio34.7%
Free Cash Flow (TTM)$2.9B
Stock Repurchases (TTM)$825.0M
Capital Return / FCF67.8%
Est. Dividends Paid (TTM)$1.0B
Shows how management rewards shareholders
Operational Efficiency & Returns
Return on Invested CapitalTTM
17.0%
Volatile
+96.2%
P25MedianP75
75th pctl (med: 0.1%)
DuPont BreakdownROIC = Margin × Turn × (1+D/E)
NOPAT Margin
33.7%
8Q: -249.4%
Asset Turnover
0.04x
8Q: 0.02x
Leverage (1+D/E)
1.00x
D/E: 0.00x
DuPont: 1.4% ≈ 17.0% ROIC
Asset & CapEx Efficiency
Fixed Asset Turn
3.51x
8Q:1.85x
+327.9%
Invested Cap Turn
0.51x
8Q:0.27x
+46.7%
CapEx Intensity
3.2%
8Q:3.0%
CapEx/Depreciation
1.05x
Asset-based ROIC formula
QUARTERLY TRENDS
Last 8 quarters + TTM
| Metric | TTM | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 |
|---|---|---|---|---|---|---|---|---|---|
Revenue | $8.8B | $2.3B↑2.5% | $2.2B↑5.3% | $2.1B↓1.8% | $2.2B↑1247.8% | $161.0M↑3.2% | $156.0M↑3.3% | $151.0M↑3.4% | $146.0M |
Operating Income | $3.8B | $1.0B↑5.4% | $981.0M↑18.6% | $827.0M↓12.4% | $944.0M↑187.2% | $-1.1B↓1.7% | $-1.1B↑10.6% | $-1.2B↑9.0% | $-1.3B |
Net Income | $2.3B | $608.0M↑2.9% | $591.0M↑23.6% | $478.0M↓17.9% | $582.0M↑9.4% | $532.0M↓5.2% | $561.0M↑16.9% | $480.0M↓2.6% | $493.0M |
Operating Cash Flow | $3.5B | $1.0B↓19.9% | $1.3B↑5.9% | $1.2B↑1320.8% | $-101.0M↓105.4% | $1.9B↑173.9% | $679.0M↑75.9% | $386.0M↓81.4% | $2.1B |
Free Cash Flow | $2.9B | $886.0M↓23.8% | $1.2B↑4.2% | $1.1B↑553.7% | $-246.0M↓114.1% | $1.7B↑197.1% | $588.0M↑83.2% | $321.0M↓83.5% | $1.9B |
Total Equity | N/A |
Valuation Analysis
Fair Value
Price-to-EarningsTTM
7.6x
Valuation Lenses
Earnings
7.6x
vs – sector
Cash Flow
4.7x
EV/FCF vs –
Growth-Adj
0.7xPEG
Undervalued for growth
Quality-Adj
0.4P/E per %ROIC
ROIC: 17.0%
Shareholder Returns
Dividend
5.9%
Buyback
4.8%
Total Yield
10.8%
Market Cap$17.05B
EV–
Multi-angle valuation analysis with sector context
Business Quality & Moat
Overall Quality Score
58/100
Average
Composite score: Returns (40%) + Consistency (30%) + Earnings Quality (30%)
Returns on Capital
Return on Equity (ROE)Above Avg
11.0%
8Q:–
Return on Invested Capital (ROIC)Top 25%
17.0%
8Q:–
+96.2%
vs Sector:0.1%
DuPont Analysis (ROIC = NOPAT Margin × Asset Turnover)
NOPAT Margin: 33.7%
Asset Turnover: 0.04x
Earnings Quality
Cash Conversion
1.54x
OCF / Net Income ✓
FCF Consistency
–
Positive quarters
Competitive Moat Indicators
Pricing Power
Gross Margin100.0%
Capital Efficiency
Invested Capital Turnover0.51x
Working Capital
Cash Conversion Cycle0 days
Growth Quality & Momentum
Moderate Growth
Growth Quality Score
61/100
Growth 40%
Margins 30%
FCF 20%
Consistency 10%
Growth Rates
Revenue Growth YoY
1340.9%
OpInc Growth YoY
195.5%
EPS Growth YoY
11.6%
FCF 3Y CAGR
-18.4%
Growth Quality Analysis
⚠Working Capital Drag: FCF growth lagging revenue by 1359.3%
Margin Quality & Sustainability
Low Quality
Profitability Cascade
Gross
100.0%
Operating
42.8%
Above Avg in sector
Net
25.5%
Margins Unknown
Earnings Quality Signals
SBC / Revenue
—
FCF vs Net Gap
+7.5 pts
FCF: 33.0% | Net: 25.5%
Quality = stability + cash conversion + low dilution
Balance Sheet & Solvency
Fortress
Net Debt / EBITDA
Net Cash
(0.0x)Net Cash: $2.90B
Interest Coverage
–
+Net cash position: $2.90B
Leverage Metrics
Debt-to-Equity
0.00x
Balance sheet risk & solvency analysis