Annual Income Statements for Fifth Third Bancorp
This table shows Fifth Third Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.
Quarterly Income Statements for Fifth Third Bancorp
This table shows Fifth Third Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.
Metric |
|
Q4 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Q1 2025 |
Q2 2025 |
Net Income / (Loss) Attributable to Common Shareholders |
|
699 |
535 |
562 |
623 |
492 |
480 |
561 |
532 |
582 |
478 |
591 |
Consolidated Net Income / (Loss) |
|
737 |
558 |
601 |
660 |
530 |
520 |
601 |
573 |
620 |
515 |
628 |
Net Income / (Loss) Continuing Operations |
|
737 |
558 |
601 |
660 |
530 |
520 |
601 |
573 |
620 |
515 |
628 |
Total Pre-Tax Income |
|
912 |
718 |
775 |
846 |
649 |
658 |
764 |
728 |
766 |
653 |
808 |
Total Revenue |
|
2,311 |
2,213 |
2,183 |
2,153 |
2,159 |
2,094 |
2,082 |
2,132 |
2,171 |
2,131 |
2,245 |
Net Interest Income / (Expense) |
|
1,577 |
1,517 |
1,457 |
1,438 |
1,415 |
1,384 |
1,387 |
1,421 |
1,438 |
1,437 |
1,495 |
Total Interest Income |
|
2,074 |
2,213 |
2,370 |
2,529 |
2,648 |
2,608 |
2,620 |
2,669 |
2,529 |
2,432 |
2,484 |
Loans and Leases Interest Income |
|
1,575 |
1,714 |
1,831 |
1,899 |
1,890 |
1,859 |
1,871 |
1,910 |
1,837 |
1,816 |
1,881 |
Investment Securities Interest Income |
|
440 |
439 |
437 |
444 |
450 |
455 |
458 |
461 |
465 |
451 |
458 |
Other Interest Income |
|
59 |
60 |
102 |
186 |
308 |
294 |
291 |
298 |
227 |
165 |
145 |
Total Interest Expense |
|
497 |
696 |
913 |
1,091 |
1,233 |
1,224 |
1,233 |
1,248 |
1,091 |
995 |
989 |
Deposits Interest Expense |
|
299 |
478 |
655 |
844 |
952 |
954 |
958 |
968 |
856 |
743 |
732 |
Short-Term Borrowings Interest Expense |
|
53 |
57 |
90 |
52 |
48 |
47 |
48 |
40 |
22 |
56 |
59 |
Long-Term Debt Interest Expense |
|
143 |
156 |
163 |
193 |
230 |
220 |
224 |
238 |
210 |
194 |
196 |
Federal Funds Purchased and Securities Sold Interest Expense |
|
2.00 |
5.00 |
5.00 |
2.00 |
3.00 |
3.00 |
3.00 |
2.00 |
3.00 |
2.00 |
2.00 |
Total Non-Interest Income |
|
734 |
696 |
726 |
715 |
744 |
710 |
695 |
711 |
733 |
694 |
750 |
Other Service Charges |
|
-353 |
489 |
529 |
365 |
490 |
259 |
443 |
332 |
626 |
451 |
489 |
Net Realized & Unrealized Capital Gains on Investments |
|
1.00 |
4.00 |
7.00 |
-7.00 |
14 |
10 |
3.00 |
10 |
-8.00 |
-9.00 |
16 |
Investment Banking Income |
|
140 |
146 |
143 |
145 |
147 |
161 |
159 |
163 |
164 |
172 |
166 |
Other Non-Interest Income |
|
945 |
57 |
47 |
212 |
93 |
280 |
90 |
206 |
-49 |
80 |
79 |
Provision for Credit Losses |
|
181 |
164 |
177 |
119 |
55 |
94 |
97 |
160 |
179 |
174 |
173 |
Total Non-Interest Expense |
|
1,218 |
1,331 |
1,231 |
1,188 |
1,455 |
1,342 |
1,221 |
1,244 |
1,226 |
1,304 |
1,264 |
Salaries and Employee Benefits |
|
654 |
757 |
650 |
629 |
658 |
753 |
656 |
690 |
664 |
750 |
698 |
Net Occupancy & Equipment Expense |
|
229 |
236 |
233 |
236 |
238 |
241 |
235 |
240 |
250 |
252 |
250 |
Marketing Expense |
|
31 |
29 |
31 |
35 |
31 |
32 |
34 |
26 |
-2.00 |
28 |
43 |
Other Operating Expenses |
|
304 |
309 |
317 |
288 |
528 |
316 |
296 |
288 |
314 |
274 |
273 |
Income Tax Expense |
|
175 |
160 |
174 |
186 |
119 |
138 |
163 |
155 |
146 |
138 |
180 |
Preferred Stock Dividends Declared |
|
38 |
23 |
39 |
37 |
38 |
40 |
40 |
41 |
38 |
37 |
37 |
Basic Earnings per Share |
|
$1.02 |
$0.78 |
$0.82 |
$0.91 |
$0.72 |
$0.70 |
$0.82 |
$0.78 |
$0.86 |
$0.71 |
$0.88 |
Weighted Average Basic Shares Outstanding |
|
688.63M |
684.02M |
684.03M |
684.22M |
684.17M |
685.75M |
686.78M |
680.90M |
682.16M |
671.05M |
670.79M |
Diluted Earnings per Share |
|
$1.00 |
$0.78 |
$0.82 |
$0.91 |
$0.71 |
$0.70 |
$0.81 |
$0.78 |
$0.85 |
$0.71 |
$0.88 |
Weighted Average Diluted Shares Outstanding |
|
694.95M |
689.57M |
686.39M |
687.06M |
687.68M |
690.63M |
691.08M |
686.11M |
687.30M |
676.04M |
674.03M |
Weighted Average Basic & Diluted Shares Outstanding |
|
678.59M |
680.72M |
680.89M |
681.02M |
681.22M |
684.04M |
676.80M |
670.54M |
665.62M |
667.49M |
661.89M |
Cash Dividends to Common per Share |
|
- |
$0.33 |
$0.33 |
$0.35 |
- |
$0.35 |
$0.35 |
$0.37 |
- |
$0.37 |
$0.37 |
Annual Cash Flow Statements for Fifth Third Bancorp
This table details how cash moves in and out of Fifth Third Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.
Metric |
|
2014 |
2015 |
2016 |
2017 |
2018 |
2019 |
2020 |
2021 |
2022 |
2023 |
2024 |
Net Change in Cash & Equivalents |
|
-87 |
10,641 |
-148 |
122 |
167 |
597 |
-131 |
-153 |
472 |
-324 |
-128 |
Net Cash From Operating Activities |
|
2,076 |
-40 |
2,091 |
1,480 |
2,856 |
1,824 |
371 |
2,704 |
6,428 |
4,509 |
2,824 |
Net Cash From Continuing Operating Activities |
|
2,076 |
-40 |
2,091 |
1,480 |
2,856 |
1,824 |
371 |
2,704 |
6,428 |
4,509 |
2,824 |
Net Income / (Loss) Continuing Operations |
|
1,483 |
0.00 |
1,543 |
2,180 |
2,193 |
2,512 |
1,427 |
2,770 |
2,446 |
2,349 |
2,314 |
Consolidated Net Income / (Loss) |
|
1,483 |
- |
1,543 |
2,180 |
2,193 |
2,512 |
1,427 |
2,770 |
2,446 |
2,349 |
2,314 |
Provision For Loan Losses |
|
315 |
- |
343 |
261 |
207 |
471 |
1,097 |
-377 |
563 |
515 |
530 |
Depreciation Expense |
|
414 |
441 |
453 |
341 |
360 |
472 |
492 |
349 |
436 |
462 |
495 |
Non-Cash Adjustments to Reconcile Net Income |
|
576 |
-279 |
-448 |
-722 |
-531 |
-1,482 |
-2,151 |
201 |
2,773 |
823 |
43 |
Changes in Operating Assets and Liabilities, net |
|
-712 |
-202 |
182 |
-580 |
627 |
-149 |
-494 |
-239 |
210 |
360 |
-558 |
Net Cash From Investing Activities |
|
-8,938 |
9,180 |
-2,864 |
428 |
-4,141 |
-797 |
-31,902 |
-7,968 |
-4,871 |
-9,488 |
1,039 |
Net Cash From Continuing Investing Activities |
|
-8,938 |
9,180 |
-2,864 |
428 |
-4,141 |
-797 |
-31,902 |
-7,968 |
-4,871 |
-9,488 |
1,039 |
Purchase of Property, Leasehold Improvements and Equipment |
|
-282 |
-164 |
-312 |
-231 |
-192 |
-304 |
-358 |
-281 |
-472 |
-428 |
-349 |
Purchase of Investment Securities |
|
-16,625 |
5,243 |
-24,962 |
-15,850 |
-20,155 |
-16,004 |
-5,784 |
-13,563 |
-30,844 |
-6,269 |
-7,129 |
Sale of Property, Leasehold Improvements and Equipment |
|
24 |
37 |
82 |
40 |
115 |
90 |
33 |
19 |
2.00 |
7.00 |
24 |
Divestitures |
|
- |
- |
0.00 |
- |
- |
- |
19 |
0.00 |
66 |
0.00 |
6.00 |
Sale and/or Maturity of Investments |
|
7,945 |
4,064 |
22,547 |
16,513 |
16,134 |
14,211 |
-25,812 |
10,009 |
35,369 |
-6,156 |
12,027 |
Other Investing Activities, net |
|
- |
- |
- |
- |
- |
1,210 |
- |
-3,721 |
-8,992 |
3,358 |
-3,540 |
Net Cash From Financing Activities |
|
6,775 |
1,501 |
625 |
-1,786 |
1,452 |
-430 |
31,400 |
5,111 |
-1,085 |
4,655 |
-3,991 |
Net Cash From Continuing Financing Activities |
|
6,775 |
1,501 |
625 |
-1,786 |
1,452 |
-430 |
31,400 |
5,111 |
-1,085 |
4,655 |
-3,991 |
Net Change in Deposits |
|
2,437 |
1,493 |
1,146 |
-659 |
5,673 |
3,742 |
32,019 |
10,734 |
-5,994 |
5,222 |
-1,660 |
Issuance of Debt |
|
6,746 |
3,091 |
5,763 |
2,490 |
2,438 |
2,372 |
2,557 |
562 |
11,576 |
11,036 |
7,349 |
Repayment of Debt |
|
-1,421 |
-2,233 |
-5,119 |
-1,969 |
-4,572 |
-4,212 |
-2,617 |
-3,796 |
-5,555 |
-10,288 |
-7,814 |
Repurchase of Common Equity |
|
-654 |
-850 |
-661 |
-1,605 |
-1,453 |
-1,763 |
0.00 |
-1,393 |
-100 |
-200 |
-625 |
Payment of Dividends |
|
-490 |
- |
-454 |
-505 |
-565 |
-753 |
-858 |
-897 |
-927 |
-1,060 |
-1,176 |
Other Financing Activities, Net |
|
-140 |
- |
-50 |
462 |
-69 |
-58 |
-47 |
-99 |
-85 |
-55 |
-65 |
Quarterly Cash Flow Statements for Fifth Third Bancorp
This table details how cash moves in and out of Fifth Third Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.
Metric |
|
Q4 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Q1 2025 |
Q2 2025 |
Net Change in Cash & Equivalents |
|
398 |
-686 |
-186 |
243 |
305 |
-346 |
41 |
378 |
-201 |
-5.00 |
-37 |
Net Cash From Operating Activities |
|
2,073 |
1,321 |
480 |
636 |
2,072 |
386 |
679 |
1,860 |
-101 |
1,233 |
1,306 |
Net Cash From Continuing Operating Activities |
|
2,073 |
1,321 |
480 |
636 |
2,072 |
386 |
679 |
1,860 |
-101 |
1,233 |
1,306 |
Net Income / (Loss) Continuing Operations |
|
737 |
558 |
601 |
660 |
530 |
520 |
602 |
572 |
620 |
515 |
627 |
Consolidated Net Income / (Loss) |
|
737 |
558 |
601 |
660 |
530 |
520 |
602 |
572 |
620 |
515 |
627 |
Provision For Loan Losses |
|
180 |
164 |
177 |
119 |
55 |
94 |
97 |
160 |
179 |
174 |
173 |
Depreciation Expense |
|
112 |
117 |
115 |
115 |
115 |
128 |
120 |
123 |
124 |
135 |
138 |
Non-Cash Adjustments to Reconcile Net Income |
|
885 |
343 |
-55 |
217 |
318 |
43 |
-132 |
126 |
6.00 |
267 |
-115 |
Changes in Operating Assets and Liabilities, net |
|
159 |
139 |
-358 |
-475 |
1,054 |
-399 |
-8.00 |
879 |
-1,030 |
142 |
483 |
Net Cash From Investing Activities |
|
-3,774 |
-2,363 |
401 |
-6,693 |
-833 |
-229 |
1,280 |
-1,155 |
1,143 |
-67 |
2,442 |
Net Cash From Continuing Investing Activities |
|
-3,774 |
-2,363 |
401 |
-6,693 |
-833 |
-229 |
1,275 |
-1,150 |
1,143 |
-67 |
2,442 |
Purchase of Property, Leasehold Improvements and Equipment |
|
-153 |
-94 |
-122 |
-84 |
-128 |
-56 |
-75 |
-156 |
-62 |
-130 |
-191 |
Purchase of Investment Securities |
|
-29,179 |
-2,061 |
-3,721 |
962 |
-1,449 |
-2,156 |
-44 |
-2,647 |
-2,282 |
-2,184 |
-1,866 |
Sale and/or Maturity of Investments |
|
27,104 |
1,241 |
3,422 |
-9,030 |
-1,789 |
1,436 |
1,672 |
2,018 |
6,901 |
4,841 |
4,974 |
Other Investing Activities, net |
|
-1,567 |
-1,452 |
822 |
1,459 |
2,529 |
526 |
-279 |
-424 |
-3,363 |
-2,594 |
-475 |
Net Cash From Financing Activities |
|
2,099 |
356 |
-1,067 |
6,300 |
-934 |
-503 |
-1,918 |
-327 |
-1,243 |
-1,171 |
-3,785 |
Net Cash From Continuing Financing Activities |
|
2,099 |
356 |
-1,067 |
6,300 |
-934 |
-503 |
-1,918 |
-327 |
-1,243 |
-1,171 |
-3,785 |
Net Change in Deposits |
|
2,039 |
-715 |
1,153 |
3,544 |
1,240 |
675 |
-2,819 |
1,572 |
-1,088 |
-1,747 |
-1,298 |
Issuance of Debt |
|
9,573 |
6.00 |
29 |
4,248 |
6,753 |
1,495 |
1,011 |
740 |
4,103 |
1,998 |
1,530 |
Repayment of Debt |
|
-9,182 |
1,606 |
-1,981 |
-1,265 |
-8,648 |
-2,344 |
305 |
-2,112 |
-3,663 |
-844 |
-3,728 |
Payment of Dividends |
|
-227 |
-294 |
-265 |
-225 |
-276 |
-287 |
-280 |
-320 |
-289 |
-297 |
-284 |
Other Financing Activities, Net |
|
-4.00 |
-47 |
-3.00 |
-2.00 |
-3.00 |
-42 |
-10 |
-7.00 |
-6.00 |
-56 |
-5.00 |
Annual Balance Sheets for Fifth Third Bancorp
This table presents Fifth Third Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.
Metric |
|
2014 |
2015 |
2016 |
2017 |
2018 |
2019 |
2020 |
2021 |
2022 |
2023 |
2024 |
Total Assets |
|
138,706 |
141,048 |
142,177 |
142,081 |
146,069 |
169,369 |
204,680 |
211,116 |
207,452 |
214,574 |
212,927 |
Cash and Due from Banks |
|
3,091 |
2,540 |
2,392 |
2,514 |
2,681 |
3,278 |
3,147 |
2,994 |
3,466 |
3,142 |
3,014 |
Trading Account Securities |
|
22,955 |
29,500 |
31,619 |
32,706 |
33,587 |
36,906 |
38,397 |
39,006 |
52,239 |
51,933 |
52,351 |
Loans and Leases, Net of Allowance |
|
88,762 |
91,310 |
90,845 |
90,774 |
94,162 |
108,356 |
106,329 |
110,158 |
119,286 |
114,912 |
117,439 |
Loans and Leases |
|
90,084 |
92,582 |
92,098 |
91,970 |
95,265 |
109,558 |
108,782 |
112,050 |
121,480 |
117,234 |
119,791 |
Allowance for Loan and Lease Losses |
|
1,322 |
1,272 |
1,253 |
1,196 |
1,103 |
1,202 |
2,453 |
1,892 |
2,194 |
2,322 |
2,352 |
Loans Held for Sale |
|
90,023 |
92,213 |
91,596 |
91,266 |
607 |
1,400 |
4,741 |
4,415 |
1,007 |
378 |
640 |
Premises and Equipment, Net |
|
3,193 |
2,946 |
2,803 |
2,649 |
2,379 |
1,995 |
2,088 |
2,736 |
2,187 |
2,808 |
2,794 |
Goodwill |
|
2,416 |
2,416 |
2,416 |
2,445 |
2,478 |
4,252 |
4,258 |
4,514 |
4,915 |
4,919 |
4,918 |
Intangible Assets |
|
15 |
12 |
9.00 |
27 |
40 |
201 |
139 |
156 |
169 |
125 |
90 |
Other Assets |
|
17,013 |
11,421 |
11,342 |
10,474 |
10,135 |
12,981 |
45,581 |
47,137 |
24,183 |
36,357 |
31,681 |
Total Liabilities & Shareholders' Equity |
|
138,706 |
141,048 |
142,177 |
142,081 |
146,069 |
169,369 |
204,680 |
211,116 |
207,452 |
214,574 |
212,927 |
Total Liabilities |
|
123,041 |
125,178 |
125,945 |
125,861 |
129,819 |
148,166 |
181,569 |
188,906 |
190,125 |
195,402 |
193,282 |
Non-Interest Bearing Deposits |
|
34,809 |
36,267 |
35,782 |
35,276 |
32,116 |
35,968 |
57,711 |
65,088 |
53,125 |
43,146 |
41,038 |
Interest Bearing Deposits |
|
66,903 |
66,938 |
68,039 |
67,886 |
76,719 |
91,094 |
101,370 |
104,236 |
110,565 |
125,766 |
126,214 |
Federal Funds Purchased and Securities Sold |
|
144 |
151 |
132 |
174 |
1,925 |
260 |
300 |
281 |
180 |
193 |
204 |
Short-Term Debt |
|
1,556 |
1,507 |
3,535 |
4,012 |
573 |
1,011 |
1,192 |
980 |
4,838 |
2,861 |
4,450 |
Other Short-Term Payables |
|
- |
- |
- |
- |
1,562 |
2,441 |
2,614 |
- |
1,822 |
2,195 |
2,137 |
Long-Term Debt |
|
14,967 |
15,810 |
14,388 |
14,904 |
14,426 |
14,970 |
14,973 |
11,821 |
13,714 |
16,380 |
14,337 |
Other Long-Term Liabilities |
|
4,662 |
4,505 |
4,069 |
3,609 |
2,498 |
2,422 |
3,409 |
6,500 |
5,881 |
4,861 |
4,902 |
Total Equity & Noncontrolling Interests |
|
15,665 |
15,870 |
16,232 |
16,220 |
16,250 |
21,203 |
23,111 |
22,210 |
17,327 |
19,172 |
19,645 |
Total Preferred & Common Equity |
|
15,626 |
15,839 |
16,205 |
16,200 |
16,250 |
21,203 |
23,111 |
22,210 |
17,327 |
19,172 |
19,645 |
Preferred Stock |
|
1,331 |
1,331 |
1,331 |
1,331 |
1,331 |
1,770 |
2,116 |
2,116 |
2,116 |
2,116 |
2,116 |
Total Common Equity |
|
14,295 |
14,508 |
14,874 |
14,869 |
14,919 |
19,433 |
20,995 |
20,094 |
15,211 |
17,056 |
17,529 |
Common Stock |
|
4,697 |
4,717 |
4,807 |
4,841 |
4,924 |
5,650 |
5,686 |
5,675 |
5,735 |
5,808 |
5,855 |
Retained Earnings |
|
11,141 |
12,358 |
13,441 |
14,957 |
16,578 |
18,315 |
18,384 |
20,236 |
21,689 |
22,997 |
24,150 |
Treasury Stock |
|
-1,972 |
-2,764 |
-3,433 |
-5,002 |
-6,471 |
-5,724 |
-5,676 |
-7,024 |
-7,103 |
-7,262 |
-7,840 |
Accumulated Other Comprehensive Income / (Loss) |
|
429 |
197 |
59 |
73 |
-112 |
1,192 |
2,601 |
1,207 |
-5,110 |
-4,487 |
-4,636 |
Quarterly Balance Sheets for Fifth Third Bancorp
This table presents Fifth Third Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.
Metric |
|
Q4 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Q1 2025 |
Q2 2025 |
Total Assets |
|
207,452 |
208,657 |
207,276 |
212,967 |
214,574 |
214,506 |
213,262 |
214,318 |
212,927 |
212,669 |
209,991 |
Cash and Due from Banks |
|
3,466 |
2,780 |
2,594 |
2,837 |
3,142 |
2,796 |
2,837 |
3,215 |
3,014 |
3,009 |
2,972 |
Trading Account Securities |
|
52,239 |
52,218 |
50,801 |
49,367 |
51,933 |
51,842 |
52,037 |
53,358 |
52,351 |
52,585 |
51,628 |
Loans and Leases, Net of Allowance |
|
119,286 |
120,642 |
119,564 |
117,748 |
114,912 |
114,167 |
114,291 |
114,363 |
117,439 |
119,807 |
119,984 |
Loans and Leases |
|
121,480 |
122,857 |
121,891 |
120,088 |
117,234 |
116,485 |
116,579 |
116,668 |
119,791 |
122,191 |
122,396 |
Allowance for Loan and Lease Losses |
|
2,194 |
2,215 |
2,327 |
2,340 |
2,322 |
2,318 |
2,288 |
2,305 |
2,352 |
2,384 |
2,412 |
Loans Held for Sale |
|
1,007 |
749 |
760 |
614 |
378 |
339 |
537 |
612 |
640 |
473 |
646 |
Premises and Equipment, Net |
|
2,187 |
2,797 |
2,812 |
2,783 |
2,808 |
2,803 |
2,781 |
2,782 |
2,794 |
2,820 |
2,904 |
Goodwill |
|
4,915 |
4,915 |
4,919 |
4,919 |
4,919 |
4,918 |
4,918 |
4,918 |
4,918 |
4,918 |
4,918 |
Intangible Assets |
|
169 |
157 |
146 |
136 |
125 |
115 |
107 |
98 |
90 |
82 |
75 |
Other Assets |
|
24,183 |
24,399 |
25,680 |
34,563 |
36,357 |
37,526 |
35,754 |
34,972 |
31,681 |
28,975 |
26,864 |
Total Liabilities & Shareholders' Equity |
|
207,452 |
208,657 |
207,276 |
212,967 |
214,574 |
214,506 |
213,262 |
214,318 |
212,927 |
212,669 |
209,991 |
Total Liabilities |
|
190,125 |
190,293 |
189,467 |
196,423 |
195,402 |
195,488 |
194,036 |
193,534 |
193,282 |
192,266 |
188,867 |
Non-Interest Bearing Deposits |
|
53,125 |
49,649 |
45,264 |
43,844 |
43,146 |
41,849 |
40,617 |
41,393 |
41,038 |
40,855 |
42,174 |
Interest Bearing Deposits |
|
110,565 |
113,326 |
118,864 |
123,828 |
125,766 |
127,738 |
126,151 |
126,947 |
126,214 |
124,650 |
122,033 |
Federal Funds Purchased and Securities Sold |
|
180 |
177 |
163 |
205 |
193 |
247 |
194 |
169 |
204 |
227 |
178 |
Short-Term Debt |
|
4,838 |
7,364 |
5,817 |
4,594 |
2,861 |
2,866 |
3,370 |
1,424 |
4,450 |
5,457 |
3,393 |
Other Short-Term Payables |
|
1,822 |
1,577 |
1,765 |
1,834 |
2,195 |
1,965 |
2,040 |
2,034 |
2,137 |
1,722 |
1,970 |
Long-Term Debt |
|
13,714 |
12,893 |
12,278 |
16,310 |
16,380 |
15,444 |
16,293 |
17,096 |
14,337 |
14,539 |
14,492 |
Other Long-Term Liabilities |
|
5,881 |
5,307 |
5,316 |
5,808 |
4,861 |
5,379 |
5,371 |
4,471 |
4,902 |
4,816 |
4,627 |
Total Equity & Noncontrolling Interests |
|
17,327 |
18,364 |
17,809 |
16,544 |
19,172 |
19,018 |
19,226 |
20,784 |
19,645 |
20,403 |
21,124 |
Total Preferred & Common Equity |
|
17,327 |
18,364 |
17,809 |
16,544 |
19,172 |
19,018 |
19,226 |
20,784 |
19,645 |
20,403 |
21,124 |
Preferred Stock |
|
2,116 |
2,116 |
2,116 |
2,116 |
2,116 |
2,116 |
2,116 |
2,116 |
2,116 |
2,116 |
2,116 |
Total Common Equity |
|
15,211 |
16,248 |
15,693 |
14,428 |
17,056 |
16,902 |
17,110 |
18,668 |
17,529 |
18,287 |
19,008 |
Common Stock |
|
5,735 |
5,733 |
5,759 |
5,784 |
5,808 |
5,793 |
5,815 |
5,835 |
5,855 |
5,824 |
5,845 |
Retained Earnings |
|
21,689 |
22,032 |
22,366 |
22,747 |
22,997 |
23,224 |
23,542 |
23,820 |
24,150 |
24,377 |
24,718 |
Treasury Stock |
|
-7,103 |
-7,272 |
-7,266 |
-7,264 |
-7,262 |
-7,227 |
-7,346 |
-7,541 |
-7,840 |
-8,019 |
-8,009 |
Accumulated Other Comprehensive Income / (Loss) |
|
-5,110 |
-4,245 |
-5,166 |
-6,839 |
-4,487 |
-4,888 |
-4,901 |
-3,446 |
-4,636 |
-3,895 |
-3,546 |
Annual Metrics And Ratios for Fifth Third Bancorp
This table displays calculated financial ratios and metrics derived from Fifth Third Bancorp's official financial filings.
Metric |
|
2014 |
2015 |
2016 |
2017 |
2018 |
2019 |
2020 |
2021 |
2022 |
2023 |
2024 |
Growth Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Revenue Growth |
|
-10.84% |
8.00% |
-3.44% |
11.27% |
-1.31% |
20.25% |
-8.65% |
3.63% |
6.17% |
3.98% |
-2.63% |
EBITDA Growth |
|
-21.35% |
14.91% |
-5.17% |
24.77% |
-5.87% |
17.57% |
-37.70% |
68.89% |
-8.72% |
-2.24% |
-1.13% |
EBIT Growth |
|
-21.94% |
16.62% |
-6.64% |
34.92% |
-7.18% |
15.80% |
-43.88% |
95.72% |
-12.06% |
-3.39% |
-2.41% |
NOPAT Growth |
|
-18.78% |
15.04% |
-9.55% |
41.28% |
0.60% |
14.55% |
-43.19% |
94.11% |
-11.70% |
-3.97% |
-1.49% |
Net Income Growth |
|
-18.78% |
15.04% |
-9.55% |
41.28% |
0.60% |
14.55% |
-43.19% |
94.11% |
-11.70% |
-3.97% |
-1.49% |
EPS Growth |
|
-17.82% |
21.08% |
-4.98% |
47.12% |
8.90% |
8.82% |
-45.05% |
103.83% |
-10.19% |
-3.88% |
-2.48% |
Operating Cash Flow Growth |
|
-54.82% |
-101.93% |
5,327.50% |
-29.22% |
92.97% |
-36.13% |
-79.66% |
628.84% |
137.72% |
-29.85% |
-37.37% |
Free Cash Flow Firm Growth |
|
-218.36% |
113.96% |
-18.67% |
108.52% |
407.09% |
-156.30% |
80.57% |
1,157.89% |
-77.57% |
-111.72% |
1,340.54% |
Invested Capital Growth |
|
25.54% |
3.10% |
2.92% |
2.87% |
-11.06% |
18.99% |
5.63% |
-10.86% |
2.48% |
7.06% |
0.05% |
Revenue Q/Q Growth |
|
-1.10% |
7.68% |
-7.05% |
0.13% |
1.82% |
7.86% |
-3.71% |
0.24% |
4.00% |
-1.72% |
0.14% |
EBITDA Q/Q Growth |
|
-1.29% |
18.05% |
-9.89% |
-2.30% |
-0.51% |
14.06% |
-9.56% |
-1.90% |
6.58% |
-7.01% |
3.84% |
EBIT Q/Q Growth |
|
-2.03% |
22.10% |
-11.82% |
-1.72% |
-0.54% |
12.47% |
-9.70% |
2.36% |
2.79% |
-8.09% |
4.18% |
NOPAT Q/Q Growth |
|
-1.13% |
18.80% |
-15.27% |
5.67% |
-1.79% |
12.60% |
-8.35% |
2.14% |
3.12% |
-8.10% |
4.05% |
Net Income Q/Q Growth |
|
-1.13% |
18.80% |
-15.27% |
5.67% |
-1.79% |
12.60% |
-8.35% |
2.14% |
3.12% |
-8.10% |
4.05% |
EPS Q/Q Growth |
|
-1.19% |
21.82% |
-13.96% |
6.04% |
1.32% |
8.47% |
-7.58% |
3.04% |
3.40% |
-8.26% |
4.67% |
Operating Cash Flow Q/Q Growth |
|
11.37% |
-102.15% |
727.93% |
-70.50% |
718.34% |
32.75% |
-89.07% |
1,058.87% |
12.83% |
-0.02% |
-43.49% |
Free Cash Flow Firm Q/Q Growth |
|
-6.79% |
130.16% |
-37.64% |
-61.86% |
-12.09% |
45.40% |
-130.08% |
-0.78% |
-35.27% |
-180.30% |
523.64% |
Invested Capital Q/Q Growth |
|
-0.99% |
-8.55% |
-8.16% |
-2.69% |
-0.56% |
-6.86% |
0.02% |
0.34% |
3.02% |
2.58% |
-2.22% |
Profitability Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
EBITDA Margin |
|
40.35% |
42.93% |
42.16% |
47.28% |
45.09% |
44.09% |
30.07% |
49.01% |
42.14% |
39.62% |
40.23% |
EBIT Margin |
|
33.51% |
36.18% |
34.99% |
42.42% |
39.90% |
38.43% |
23.61% |
44.59% |
36.93% |
34.31% |
34.39% |
Profit (Net Income) Margin |
|
24.50% |
26.10% |
24.45% |
31.05% |
31.65% |
30.15% |
18.75% |
35.12% |
29.21% |
26.98% |
27.29% |
Tax Burden Percent |
|
73.13% |
72.14% |
69.88% |
73.18% |
79.31% |
78.45% |
79.41% |
78.76% |
79.08% |
78.61% |
79.36% |
Interest Burden Percent |
|
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
Effective Tax Rate |
|
26.87% |
27.86% |
30.12% |
26.82% |
20.69% |
21.55% |
20.59% |
21.24% |
20.92% |
21.39% |
20.64% |
Return on Invested Capital (ROIC) |
|
5.13% |
5.22% |
4.58% |
6.29% |
6.61% |
7.34% |
3.73% |
7.46% |
6.90% |
6.32% |
6.02% |
ROIC Less NNEP Spread (ROIC-NNEP) |
|
5.13% |
5.22% |
4.58% |
6.29% |
6.61% |
7.34% |
3.73% |
7.46% |
6.90% |
6.32% |
6.02% |
Return on Net Nonoperating Assets (RNNOA) |
|
4.66% |
5.60% |
5.03% |
7.14% |
6.90% |
6.07% |
2.71% |
4.77% |
5.47% |
6.55% |
5.90% |
Return on Equity (ROE) |
|
9.79% |
10.82% |
9.61% |
13.44% |
13.51% |
13.41% |
6.44% |
12.22% |
12.37% |
12.87% |
11.92% |
Cash Return on Invested Capital (CROIC) |
|
-17.52% |
2.16% |
1.71% |
3.46% |
18.32% |
-10.00% |
-1.74% |
18.94% |
4.45% |
-0.50% |
5.97% |
Operating Return on Assets (OROA) |
|
1.51% |
1.69% |
1.56% |
2.10% |
1.92% |
2.03% |
0.96% |
1.69% |
1.48% |
1.42% |
1.36% |
Return on Assets (ROA) |
|
1.10% |
1.22% |
1.09% |
1.53% |
1.52% |
1.59% |
0.76% |
1.33% |
1.17% |
1.11% |
1.08% |
Return on Common Equity (ROCE) |
|
9.00% |
9.88% |
8.80% |
12.31% |
12.39% |
12.30% |
5.88% |
11.08% |
11.05% |
11.38% |
10.62% |
Return on Equity Simple (ROE_SIMPLE) |
|
9.49% |
10.77% |
9.52% |
13.46% |
13.50% |
11.85% |
6.17% |
12.47% |
14.12% |
12.25% |
11.78% |
Net Operating Profit after Tax (NOPAT) |
|
1,483 |
1,706 |
1,543 |
2,180 |
2,193 |
2,512 |
1,427 |
2,770 |
2,446 |
2,349 |
2,314 |
NOPAT Margin |
|
24.50% |
26.10% |
24.45% |
31.05% |
31.65% |
30.15% |
18.75% |
35.12% |
29.21% |
26.98% |
27.29% |
Net Nonoperating Expense Percent (NNEP) |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
SG&A Expenses to Revenue |
|
34.62% |
33.57% |
35.86% |
32.61% |
42.74% |
41.56% |
46.45% |
45.27% |
42.27% |
43.21% |
45.34% |
Operating Expenses to Revenue |
|
61.29% |
57.76% |
59.58% |
53.86% |
57.11% |
55.92% |
61.98% |
60.19% |
56.35% |
59.77% |
59.36% |
Earnings before Interest and Taxes (EBIT) |
|
2,028 |
2,365 |
2,208 |
2,979 |
2,765 |
3,202 |
1,797 |
3,517 |
3,093 |
2,988 |
2,916 |
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA) |
|
2,442 |
2,806 |
2,661 |
3,320 |
3,125 |
3,674 |
2,289 |
3,866 |
3,529 |
3,450 |
3,411 |
Valuation Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Price to Book Value (P/BV) |
|
0.85 |
0.82 |
1.05 |
1.13 |
0.83 |
0.93 |
0.82 |
1.34 |
1.36 |
1.33 |
1.62 |
Price to Tangible Book Value (P/TBV) |
|
1.03 |
0.98 |
1.25 |
1.35 |
1.00 |
1.21 |
1.04 |
1.74 |
2.04 |
1.88 |
2.26 |
Price to Revenue (P/Rev) |
|
2.01 |
1.82 |
2.47 |
2.38 |
1.79 |
2.18 |
2.26 |
3.40 |
2.47 |
2.60 |
3.34 |
Price to Earnings (P/E) |
|
8.61 |
7.26 |
10.58 |
7.95 |
5.85 |
7.49 |
13.01 |
10.09 |
8.87 |
10.23 |
13.16 |
Dividend Yield |
|
3.45% |
3.48% |
2.57% |
2.53% |
3.92% |
3.68% |
4.47% |
2.91% |
4.19% |
4.09% |
3.41% |
Earnings Yield |
|
11.62% |
13.78% |
9.45% |
12.58% |
17.10% |
13.35% |
7.69% |
9.91% |
11.28% |
9.77% |
7.60% |
Enterprise Value to Invested Capital (EV/IC) |
|
0.84 |
0.84 |
0.95 |
0.98 |
0.83 |
0.88 |
0.82 |
1.11 |
1.06 |
1.06 |
1.20 |
Enterprise Value to Revenue (EV/Rev) |
|
4.46 |
4.29 |
5.14 |
4.91 |
3.76 |
3.91 |
4.25 |
4.91 |
4.52 |
4.69 |
5.45 |
Enterprise Value to EBITDA (EV/EBITDA) |
|
11.04 |
9.98 |
12.20 |
10.39 |
8.33 |
8.87 |
14.13 |
10.02 |
10.73 |
11.84 |
13.56 |
Enterprise Value to EBIT (EV/EBIT) |
|
13.30 |
11.85 |
14.70 |
11.57 |
9.42 |
10.18 |
18.00 |
11.02 |
12.24 |
13.67 |
15.86 |
Enterprise Value to NOPAT (EV/NOPAT) |
|
18.19 |
16.42 |
21.04 |
15.82 |
11.87 |
12.98 |
22.66 |
13.99 |
15.48 |
17.39 |
19.98 |
Enterprise Value to Operating Cash Flow (EV/OCF) |
|
12.99 |
0.00 |
15.53 |
23.30 |
9.12 |
17.87 |
87.18 |
14.33 |
5.89 |
9.06 |
16.37 |
Enterprise Value to Free Cash Flow (EV/FCFF) |
|
0.00 |
39.63 |
56.46 |
28.76 |
4.28 |
0.00 |
0.00 |
5.51 |
24.00 |
0.00 |
20.15 |
Leverage & Solvency |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Debt to Equity |
|
1.05 |
1.09 |
1.10 |
1.17 |
0.92 |
0.75 |
0.70 |
0.58 |
1.07 |
1.00 |
0.96 |
Long-Term Debt to Equity |
|
0.96 |
1.00 |
0.89 |
0.92 |
0.89 |
0.71 |
0.65 |
0.53 |
0.79 |
0.85 |
0.73 |
Financial Leverage |
|
0.91 |
1.07 |
1.10 |
1.14 |
1.04 |
0.83 |
0.73 |
0.64 |
0.79 |
1.04 |
0.98 |
Leverage Ratio |
|
8.89 |
8.87 |
8.82 |
8.76 |
8.87 |
8.42 |
8.44 |
9.17 |
10.59 |
11.56 |
11.01 |
Compound Leverage Factor |
|
8.89 |
8.87 |
8.82 |
8.76 |
8.87 |
8.42 |
8.44 |
9.17 |
10.59 |
11.56 |
11.01 |
Debt to Total Capital |
|
51.33% |
52.18% |
52.48% |
53.84% |
48.00% |
42.98% |
41.16% |
36.56% |
51.71% |
50.09% |
48.88% |
Short-Term Debt to Total Capital |
|
4.83% |
4.54% |
10.35% |
11.42% |
1.83% |
2.72% |
3.03% |
2.80% |
13.48% |
7.45% |
11.58% |
Long-Term Debt to Total Capital |
|
46.50% |
47.64% |
42.13% |
42.42% |
46.16% |
40.26% |
38.12% |
33.76% |
38.22% |
42.64% |
37.30% |
Preferred Equity to Total Capital |
|
4.14% |
4.01% |
3.90% |
3.79% |
4.26% |
4.76% |
5.39% |
6.04% |
5.90% |
5.51% |
5.51% |
Noncontrolling Interests to Total Capital |
|
0.12% |
0.09% |
0.08% |
0.06% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
Common Equity to Total Capital |
|
44.41% |
43.72% |
43.55% |
42.32% |
47.74% |
52.26% |
53.46% |
57.39% |
42.40% |
44.40% |
45.61% |
Debt to EBITDA |
|
6.77 |
6.17 |
6.74 |
5.70 |
4.80 |
4.35 |
7.06 |
3.31 |
5.26 |
5.58 |
5.51 |
Net Debt to EBITDA |
|
5.50 |
5.27 |
5.84 |
4.94 |
3.94 |
3.46 |
5.69 |
2.54 |
4.27 |
4.67 |
4.62 |
Long-Term Debt to EBITDA |
|
6.13 |
5.63 |
5.41 |
4.49 |
4.62 |
4.07 |
6.54 |
3.06 |
3.89 |
4.75 |
4.20 |
Debt to NOPAT |
|
11.14 |
10.15 |
11.62 |
8.68 |
6.84 |
6.36 |
11.33 |
4.62 |
7.58 |
8.19 |
8.12 |
Net Debt to NOPAT |
|
9.06 |
8.66 |
10.07 |
7.52 |
5.62 |
5.06 |
9.12 |
3.54 |
6.17 |
6.85 |
6.82 |
Long-Term Debt to NOPAT |
|
10.09 |
9.27 |
9.32 |
6.84 |
6.58 |
5.96 |
10.49 |
4.27 |
5.61 |
6.97 |
6.20 |
Noncontrolling Interest Sharing Ratio |
|
8.06% |
8.66% |
8.47% |
8.35% |
8.26% |
8.28% |
8.77% |
9.34% |
10.70% |
11.59% |
10.90% |
Liquidity Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Cash Flow Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Free Cash Flow to Firm (FCFF) |
|
-5,066 |
707 |
575 |
1,199 |
6,080 |
-3,423 |
-665 |
7,035 |
1,578 |
-185 |
2,295 |
Operating Cash Flow to CapEx |
|
804.65% |
-31.50% |
909.13% |
774.87% |
3,709.09% |
852.34% |
114.15% |
1,032.06% |
1,367.66% |
1,071.02% |
868.92% |
Free Cash Flow to Firm to Interest Expense |
|
-11.23 |
1.43 |
0.99 |
1.74 |
5.83 |
-2.35 |
-0.84 |
15.95 |
1.61 |
-0.05 |
0.48 |
Operating Cash Flow to Interest Expense |
|
4.60 |
-0.08 |
3.62 |
2.14 |
2.74 |
1.25 |
0.47 |
6.13 |
6.57 |
1.15 |
0.59 |
Operating Cash Flow Less CapEx to Interest Expense |
|
4.03 |
-0.34 |
3.22 |
1.87 |
2.66 |
1.11 |
0.06 |
5.54 |
6.09 |
1.04 |
0.52 |
Efficiency Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Asset Turnover |
|
0.05 |
0.05 |
0.04 |
0.05 |
0.05 |
0.05 |
0.04 |
0.04 |
0.04 |
0.04 |
0.04 |
Fixed Asset Turnover |
|
1.88 |
2.13 |
2.20 |
2.58 |
2.76 |
3.81 |
3.73 |
3.27 |
3.40 |
3.49 |
3.03 |
Capital & Investment Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Invested Capital |
|
32,188 |
33,187 |
34,155 |
35,136 |
31,249 |
37,184 |
39,276 |
35,011 |
35,879 |
38,413 |
38,432 |
Invested Capital Turnover |
|
0.21 |
0.20 |
0.19 |
0.20 |
0.21 |
0.24 |
0.20 |
0.21 |
0.24 |
0.23 |
0.22 |
Increase / (Decrease) in Invested Capital |
|
6,549 |
999 |
968 |
981 |
-3,887 |
5,935 |
2,092 |
-4,265 |
868 |
2,534 |
19 |
Enterprise Value (EV) |
|
26,969 |
28,016 |
32,463 |
34,480 |
26,034 |
32,598 |
32,342 |
38,755 |
37,866 |
40,852 |
46,240 |
Market Capitalization |
|
12,167 |
11,877 |
15,574 |
16,727 |
12,385 |
18,125 |
17,208 |
26,832 |
20,664 |
22,637 |
28,351 |
Book Value per Share |
|
$17.35 |
$18.26 |
$19.68 |
$21.07 |
$22.76 |
$27.38 |
$29.47 |
$29.39 |
$22.16 |
$25.04 |
$26.14 |
Tangible Book Value per Share |
|
$14.40 |
$15.21 |
$16.48 |
$17.57 |
$18.92 |
$21.11 |
$23.30 |
$22.56 |
$14.75 |
$17.64 |
$18.67 |
Total Capital |
|
32,188 |
33,187 |
34,155 |
35,136 |
31,249 |
37,184 |
39,276 |
35,011 |
35,879 |
38,413 |
38,432 |
Total Debt |
|
16,523 |
17,317 |
17,923 |
18,916 |
14,999 |
15,981 |
16,165 |
12,801 |
18,552 |
19,241 |
18,787 |
Total Long-Term Debt |
|
14,967 |
15,810 |
14,388 |
14,904 |
14,426 |
14,970 |
14,973 |
11,821 |
13,714 |
16,380 |
14,337 |
Net Debt |
|
13,432 |
14,777 |
15,531 |
16,402 |
12,318 |
12,703 |
13,018 |
9,807 |
15,086 |
16,099 |
15,773 |
Capital Expenditures (CapEx) |
|
258 |
127 |
230 |
191 |
77 |
214 |
325 |
262 |
470 |
421 |
325 |
Net Nonoperating Expense (NNE) |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
Net Nonoperating Obligations (NNO) |
|
16,523 |
17,317 |
17,923 |
18,916 |
14,999 |
15,981 |
16,165 |
12,801 |
18,552 |
19,241 |
18,787 |
Total Depreciation and Amortization (D&A) |
|
414 |
441 |
453 |
341 |
360 |
472 |
492 |
349 |
436 |
462 |
495 |
Earnings Adjustments |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Adjusted Basic Earnings per Share |
|
$1.68 |
$2.03 |
$1.95 |
$2.88 |
$3.11 |
$3.38 |
$1.84 |
$3.78 |
$3.38 |
$3.23 |
$3.16 |
Adjusted Weighted Average Basic Shares Outstanding |
|
833.12M |
798.63M |
757.43M |
728.29M |
673.35M |
710.43M |
714.73M |
702.19M |
688.63M |
684.17M |
682.16M |
Adjusted Diluted Earnings per Share |
|
$1.66 |
$2.01 |
$1.93 |
$2.83 |
$3.06 |
$3.33 |
$1.83 |
$3.73 |
$3.35 |
$3.22 |
$3.14 |
Adjusted Weighted Average Diluted Shares Outstanding |
|
842.97M |
807.66M |
764.50M |
740.69M |
685.49M |
720.07M |
719.74M |
711.20M |
694.95M |
687.68M |
687.30M |
Adjusted Basic & Diluted Earnings per Share |
|
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
Adjusted Weighted Average Basic & Diluted Shares Outstanding |
|
814.77M |
783.23M |
750.86M |
694.21M |
647.26M |
709.55M |
708.70M |
683.68M |
678.59M |
681.22M |
665.62M |
Normalized Net Operating Profit after Tax (NOPAT) |
|
1,483 |
1,706 |
1,543 |
2,180 |
2,193 |
2,512 |
1,427 |
2,770 |
2,446 |
2,349 |
2,314 |
Normalized NOPAT Margin |
|
24.50% |
26.10% |
24.45% |
31.05% |
31.65% |
30.15% |
18.75% |
35.12% |
29.21% |
26.98% |
27.29% |
Pre Tax Income Margin |
|
33.51% |
36.18% |
34.99% |
42.42% |
39.90% |
38.43% |
23.61% |
44.59% |
36.93% |
34.31% |
34.39% |
Debt Service Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
EBIT to Interest Expense |
|
4.50 |
4.78 |
3.82 |
4.31 |
2.65 |
2.20 |
2.27 |
7.98 |
3.16 |
0.76 |
0.61 |
NOPAT to Interest Expense |
|
3.29 |
3.45 |
2.67 |
3.15 |
2.10 |
1.72 |
1.81 |
6.28 |
2.50 |
0.60 |
0.48 |
EBIT Less CapEx to Interest Expense |
|
3.92 |
4.52 |
3.42 |
4.03 |
2.58 |
2.05 |
1.86 |
7.38 |
2.68 |
0.65 |
0.54 |
NOPAT Less CapEx to Interest Expense |
|
2.72 |
3.19 |
2.27 |
2.88 |
2.03 |
1.58 |
1.39 |
5.69 |
2.02 |
0.49 |
0.41 |
Payout Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Dividend Payout Ratio |
|
33.04% |
0.00% |
29.42% |
23.17% |
25.76% |
29.98% |
60.13% |
32.38% |
37.90% |
45.13% |
50.82% |
Augmented Payout Ratio |
|
77.14% |
49.82% |
72.26% |
96.79% |
92.02% |
100.16% |
60.13% |
82.67% |
41.99% |
53.64% |
77.83% |
Quarterly Metrics And Ratios for Fifth Third Bancorp
This table displays calculated financial ratios and metrics derived from Fifth Third Bancorp's official financial filings.
Metric |
|
Q4 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Q1 2025 |
Q2 2025 |
Growth Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Revenue Growth |
|
16.19% |
17.78% |
8.34% |
-0.78% |
-6.58% |
-5.38% |
-4.63% |
-0.98% |
0.56% |
1.77% |
7.83% |
EBITDA Growth |
|
27.05% |
15.81% |
6.84% |
1.05% |
-25.39% |
-5.87% |
-0.67% |
-11.45% |
16.49% |
0.25% |
7.01% |
EBIT Growth |
|
10.14% |
17.32% |
7.04% |
0.12% |
-28.84% |
-8.36% |
-1.42% |
-13.95% |
18.03% |
-0.76% |
5.76% |
NOPAT Growth |
|
11.16% |
12.96% |
6.94% |
1.07% |
-28.09% |
-6.81% |
0.00% |
-13.18% |
16.98% |
-0.96% |
4.49% |
Net Income Growth |
|
11.16% |
12.96% |
6.94% |
1.07% |
-28.09% |
-6.81% |
0.00% |
-13.18% |
16.98% |
-0.96% |
4.49% |
EPS Growth |
|
12.36% |
14.71% |
7.89% |
0.00% |
-29.00% |
-10.26% |
-1.22% |
-14.29% |
19.72% |
1.43% |
8.64% |
Operating Cash Flow Growth |
|
54.47% |
-21.70% |
-49.90% |
-62.81% |
-0.05% |
-70.78% |
41.46% |
192.45% |
-104.87% |
219.43% |
92.34% |
Free Cash Flow Firm Growth |
|
-102.66% |
-187.63% |
4,997.14% |
-372.88% |
-1,429.77% |
129.25% |
-239.09% |
34.61% |
129.99% |
-240.98% |
121.31% |
Invested Capital Growth |
|
2.48% |
21.21% |
-3.01% |
7.53% |
7.06% |
-3.35% |
8.31% |
4.96% |
0.05% |
8.23% |
0.31% |
Revenue Q/Q Growth |
|
6.50% |
-4.24% |
-1.36% |
-1.37% |
0.28% |
-3.01% |
-0.57% |
2.40% |
1.83% |
-1.84% |
5.35% |
EBITDA Q/Q Growth |
|
7.68% |
-18.46% |
6.59% |
7.98% |
-20.50% |
2.88% |
12.47% |
-3.73% |
4.58% |
-11.46% |
20.05% |
EBIT Q/Q Growth |
|
7.93% |
-21.27% |
7.94% |
9.16% |
-23.29% |
1.39% |
16.11% |
-4.71% |
5.22% |
-14.75% |
23.74% |
NOPAT Q/Q Growth |
|
12.86% |
-24.29% |
7.71% |
9.82% |
-19.70% |
-1.89% |
15.58% |
-4.66% |
8.20% |
-16.94% |
21.94% |
Net Income Q/Q Growth |
|
12.86% |
-24.29% |
7.71% |
9.82% |
-19.70% |
-1.89% |
15.58% |
-4.66% |
8.20% |
-16.94% |
21.94% |
EPS Q/Q Growth |
|
9.89% |
-22.00% |
5.13% |
10.98% |
-21.98% |
-1.41% |
15.71% |
-3.70% |
8.97% |
-16.47% |
23.94% |
Operating Cash Flow Q/Q Growth |
|
21.23% |
-36.28% |
-63.66% |
32.50% |
225.79% |
-81.37% |
75.91% |
173.93% |
-105.43% |
1,320.79% |
5.92% |
Free Cash Flow Firm Q/Q Growth |
|
-118.22% |
-4,632.06% |
127.65% |
-214.47% |
-2.14% |
190.47% |
-231.49% |
46.18% |
146.84% |
-525.29% |
119.87% |
Invested Capital Q/Q Growth |
|
3.02% |
7.64% |
-7.04% |
4.30% |
2.58% |
-2.82% |
4.18% |
1.07% |
-2.22% |
5.12% |
-3.44% |
Profitability Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
EBITDA Margin |
|
44.31% |
37.73% |
40.77% |
44.64% |
35.39% |
37.54% |
42.46% |
39.92% |
40.99% |
36.98% |
42.14% |
EBIT Margin |
|
39.46% |
32.44% |
35.50% |
39.29% |
30.06% |
31.42% |
36.70% |
34.15% |
35.28% |
30.64% |
35.99% |
Profit (Net Income) Margin |
|
31.89% |
25.21% |
27.53% |
30.65% |
24.55% |
24.83% |
28.87% |
26.88% |
28.56% |
24.17% |
27.97% |
Tax Burden Percent |
|
80.81% |
77.72% |
77.55% |
78.01% |
81.66% |
79.03% |
78.66% |
78.71% |
80.94% |
78.87% |
77.72% |
Interest Burden Percent |
|
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
Effective Tax Rate |
|
19.19% |
22.28% |
22.45% |
21.99% |
18.34% |
20.97% |
21.34% |
21.29% |
19.06% |
21.13% |
22.28% |
Return on Invested Capital (ROIC) |
|
7.54% |
6.23% |
6.70% |
7.52% |
5.75% |
5.62% |
6.55% |
5.93% |
6.30% |
5.30% |
6.23% |
ROIC Less NNEP Spread (ROIC-NNEP) |
|
7.54% |
6.23% |
6.70% |
7.52% |
5.75% |
5.62% |
6.55% |
5.93% |
6.30% |
5.30% |
6.23% |
Return on Net Nonoperating Assets (RNNOA) |
|
5.98% |
5.16% |
6.59% |
8.81% |
5.96% |
5.79% |
6.68% |
6.26% |
6.17% |
5.15% |
5.80% |
Return on Equity (ROE) |
|
13.51% |
11.40% |
13.29% |
16.32% |
11.71% |
11.41% |
13.23% |
12.19% |
12.48% |
10.44% |
12.03% |
Cash Return on Invested Capital (CROIC) |
|
4.45% |
-12.05% |
10.04% |
-0.18% |
-0.50% |
9.49% |
-1.80% |
0.96% |
5.97% |
-1.96% |
5.69% |
Operating Return on Assets (OROA) |
|
1.58% |
1.35% |
1.52% |
1.66% |
1.24% |
1.28% |
1.48% |
1.35% |
1.40% |
1.22% |
1.48% |
Return on Assets (ROA) |
|
1.28% |
1.05% |
1.18% |
1.30% |
1.01% |
1.01% |
1.17% |
1.07% |
1.13% |
0.96% |
1.15% |
Return on Common Equity (ROCE) |
|
12.06% |
10.14% |
11.76% |
14.25% |
10.36% |
10.12% |
11.72% |
10.81% |
11.12% |
9.32% |
10.77% |
Return on Equity Simple (ROE_SIMPLE) |
|
0.00% |
13.67% |
14.31% |
15.45% |
0.00% |
12.15% |
12.02% |
10.70% |
0.00% |
11.32% |
11.06% |
Net Operating Profit after Tax (NOPAT) |
|
737 |
558 |
601 |
660 |
530 |
520 |
601 |
573 |
620 |
515 |
628 |
NOPAT Margin |
|
31.89% |
25.21% |
27.53% |
30.65% |
24.55% |
24.83% |
28.87% |
26.88% |
28.56% |
24.17% |
27.97% |
Net Nonoperating Expense Percent (NNEP) |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
SG&A Expenses to Revenue |
|
39.55% |
46.18% |
41.87% |
41.80% |
42.94% |
50.19% |
44.43% |
44.84% |
42.01% |
48.33% |
44.14% |
Operating Expenses to Revenue |
|
52.70% |
60.14% |
56.39% |
55.18% |
67.39% |
64.09% |
58.65% |
58.35% |
56.47% |
61.19% |
56.30% |
Earnings before Interest and Taxes (EBIT) |
|
912 |
718 |
775 |
846 |
649 |
658 |
764 |
728 |
766 |
653 |
808 |
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA) |
|
1,024 |
835 |
890 |
961 |
764 |
786 |
884 |
851 |
890 |
788 |
946 |
Valuation Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Price to Book Value (P/BV) |
|
1.36 |
1.05 |
1.09 |
1.15 |
1.33 |
1.48 |
1.46 |
1.55 |
1.62 |
1.43 |
1.44 |
Price to Tangible Book Value (P/TBV) |
|
2.04 |
1.53 |
1.61 |
1.77 |
1.88 |
2.11 |
2.07 |
2.12 |
2.26 |
1.96 |
1.96 |
Price to Revenue (P/Rev) |
|
2.47 |
1.96 |
1.92 |
1.87 |
2.60 |
2.92 |
2.94 |
3.42 |
3.34 |
3.06 |
3.16 |
Price to Earnings (P/E) |
|
8.87 |
7.15 |
7.04 |
6.86 |
10.23 |
11.63 |
11.58 |
14.04 |
13.16 |
12.12 |
12.58 |
Dividend Yield |
|
4.19% |
5.12% |
5.26% |
5.50% |
4.09% |
3.75% |
3.84% |
3.31% |
3.41% |
3.72% |
3.60% |
Earnings Yield |
|
11.28% |
13.99% |
14.21% |
14.57% |
9.77% |
8.60% |
8.64% |
7.12% |
7.60% |
8.25% |
7.95% |
Enterprise Value to Invested Capital (EV/IC) |
|
1.06 |
0.95 |
0.97 |
0.98 |
1.06 |
1.14 |
1.13 |
1.18 |
1.20 |
1.12 |
1.14 |
Enterprise Value to Revenue (EV/Rev) |
|
4.52 |
4.21 |
3.91 |
4.15 |
4.69 |
4.97 |
5.17 |
5.48 |
5.45 |
5.31 |
5.13 |
Enterprise Value to EBITDA (EV/EBITDA) |
|
10.73 |
10.07 |
9.38 |
9.91 |
11.84 |
12.56 |
12.93 |
14.13 |
13.56 |
13.24 |
12.80 |
Enterprise Value to EBIT (EV/EBIT) |
|
12.24 |
11.47 |
10.68 |
11.31 |
13.67 |
14.59 |
15.05 |
16.58 |
15.86 |
15.53 |
15.05 |
Enterprise Value to NOPAT (EV/NOPAT) |
|
15.48 |
14.61 |
13.61 |
14.39 |
17.39 |
18.49 |
19.00 |
20.87 |
19.98 |
19.57 |
19.04 |
Enterprise Value to Operating Cash Flow (EV/OCF) |
|
5.89 |
6.05 |
6.21 |
8.16 |
9.06 |
11.95 |
11.64 |
9.29 |
16.37 |
12.31 |
10.35 |
Enterprise Value to Free Cash Flow (EV/FCFF) |
|
24.00 |
0.00 |
9.47 |
0.00 |
0.00 |
11.85 |
0.00 |
126.13 |
20.15 |
0.00 |
20.07 |
Leverage & Solvency |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Debt to Equity |
|
1.07 |
1.10 |
1.02 |
1.26 |
1.00 |
0.96 |
1.02 |
0.89 |
0.96 |
0.98 |
0.85 |
Long-Term Debt to Equity |
|
0.79 |
0.70 |
0.69 |
0.99 |
0.85 |
0.81 |
0.85 |
0.82 |
0.73 |
0.71 |
0.69 |
Financial Leverage |
|
0.79 |
0.83 |
0.98 |
1.17 |
1.04 |
1.03 |
1.02 |
1.06 |
0.98 |
0.97 |
0.93 |
Leverage Ratio |
|
10.59 |
10.90 |
11.26 |
12.57 |
11.56 |
11.32 |
11.36 |
11.45 |
11.01 |
10.84 |
10.49 |
Compound Leverage Factor |
|
10.59 |
10.90 |
11.26 |
12.57 |
11.56 |
11.32 |
11.36 |
11.45 |
11.01 |
10.84 |
10.49 |
Debt to Total Capital |
|
51.71% |
52.45% |
50.40% |
55.82% |
50.09% |
49.05% |
50.56% |
47.12% |
48.88% |
49.50% |
45.85% |
Short-Term Debt to Total Capital |
|
13.48% |
19.07% |
16.20% |
12.27% |
7.45% |
7.68% |
8.67% |
3.62% |
11.58% |
13.51% |
8.70% |
Long-Term Debt to Total Capital |
|
38.22% |
33.38% |
34.20% |
43.55% |
42.64% |
41.37% |
41.90% |
43.50% |
37.30% |
35.99% |
37.15% |
Preferred Equity to Total Capital |
|
5.90% |
5.48% |
5.89% |
5.65% |
5.51% |
5.67% |
5.44% |
5.38% |
5.51% |
5.24% |
5.42% |
Noncontrolling Interests to Total Capital |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
Common Equity to Total Capital |
|
42.40% |
42.07% |
43.71% |
38.53% |
44.40% |
45.28% |
44.00% |
47.50% |
45.61% |
45.27% |
48.73% |
Debt to EBITDA |
|
5.26 |
5.56 |
4.89 |
5.63 |
5.58 |
5.38 |
5.79 |
5.64 |
5.51 |
5.86 |
5.15 |
Net Debt to EBITDA |
|
4.27 |
4.80 |
4.19 |
4.87 |
4.67 |
4.56 |
4.96 |
4.66 |
4.62 |
4.98 |
4.29 |
Long-Term Debt to EBITDA |
|
3.89 |
3.54 |
3.32 |
4.40 |
4.75 |
4.54 |
4.80 |
5.20 |
4.20 |
4.26 |
4.17 |
Debt to NOPAT |
|
7.58 |
8.07 |
7.10 |
8.18 |
8.19 |
7.92 |
8.51 |
8.33 |
8.12 |
8.66 |
7.66 |
Net Debt to NOPAT |
|
6.17 |
6.96 |
6.08 |
7.07 |
6.85 |
6.71 |
7.28 |
6.88 |
6.82 |
7.36 |
6.38 |
Long-Term Debt to NOPAT |
|
5.61 |
5.14 |
4.82 |
6.38 |
6.97 |
6.68 |
7.05 |
7.69 |
6.20 |
6.30 |
6.20 |
Noncontrolling Interest Sharing Ratio |
|
10.70% |
10.98% |
11.51% |
12.72% |
11.59% |
11.32% |
11.43% |
11.34% |
10.90% |
10.74% |
10.49% |
Liquidity Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Cash Flow Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Free Cash Flow to Firm (FCFF) |
|
-131 |
-6,199 |
1,714 |
-1,962 |
-2,004 |
1,813 |
-2,384 |
-1,283 |
601 |
-2,556 |
508 |
Operating Cash Flow to CapEx |
|
1,363.82% |
1,451.65% |
393.44% |
757.14% |
1,670.97% |
941.46% |
917.57% |
1,917.53% |
-89.38% |
948.46% |
683.77% |
Free Cash Flow to Firm to Interest Expense |
|
-0.26 |
-8.91 |
1.88 |
-1.80 |
-1.63 |
1.48 |
-1.93 |
-1.03 |
0.55 |
-2.57 |
0.51 |
Operating Cash Flow to Interest Expense |
|
4.17 |
1.90 |
0.53 |
0.58 |
1.68 |
0.32 |
0.55 |
1.49 |
-0.09 |
1.24 |
1.32 |
Operating Cash Flow Less CapEx to Interest Expense |
|
3.87 |
1.77 |
0.39 |
0.51 |
1.58 |
0.28 |
0.49 |
1.41 |
-0.20 |
1.11 |
1.13 |
Efficiency Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Asset Turnover |
|
0.04 |
0.04 |
0.04 |
0.04 |
0.04 |
0.04 |
0.04 |
0.04 |
0.04 |
0.04 |
0.04 |
Fixed Asset Turnover |
|
3.40 |
3.56 |
3.60 |
3.59 |
3.49 |
3.07 |
3.04 |
3.04 |
3.03 |
3.03 |
3.05 |
Capital & Investment Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Invested Capital |
|
35,879 |
38,621 |
35,904 |
37,448 |
38,413 |
37,328 |
38,889 |
39,304 |
38,432 |
40,399 |
39,009 |
Invested Capital Turnover |
|
0.24 |
0.25 |
0.24 |
0.25 |
0.23 |
0.23 |
0.23 |
0.22 |
0.22 |
0.22 |
0.22 |
Increase / (Decrease) in Invested Capital |
|
868 |
6,757 |
-1,113 |
2,622 |
2,534 |
-1,293 |
2,985 |
1,856 |
19 |
3,071 |
120 |
Enterprise Value (EV) |
|
37,866 |
36,679 |
34,694 |
36,783 |
40,852 |
42,723 |
43,903 |
46,415 |
46,240 |
45,195 |
44,483 |
Market Capitalization |
|
20,664 |
17,086 |
17,077 |
16,600 |
22,637 |
25,093 |
24,961 |
28,994 |
28,351 |
26,092 |
27,454 |
Book Value per Share |
|
$22.16 |
$23.94 |
$23.05 |
$21.19 |
$25.04 |
$24.65 |
$25.01 |
$27.58 |
$26.14 |
$27.47 |
$28.48 |
Tangible Book Value per Share |
|
$14.75 |
$16.47 |
$15.61 |
$13.77 |
$17.64 |
$17.31 |
$17.67 |
$20.17 |
$18.67 |
$19.96 |
$21.00 |
Total Capital |
|
35,879 |
38,621 |
35,904 |
37,448 |
38,413 |
37,328 |
38,889 |
39,304 |
38,432 |
40,399 |
39,009 |
Total Debt |
|
18,552 |
20,257 |
18,095 |
20,904 |
19,241 |
18,310 |
19,663 |
18,520 |
18,787 |
19,996 |
17,885 |
Total Long-Term Debt |
|
13,714 |
12,893 |
12,278 |
16,310 |
16,380 |
15,444 |
16,293 |
17,096 |
14,337 |
14,539 |
14,492 |
Net Debt |
|
15,086 |
17,477 |
15,501 |
18,067 |
16,099 |
15,514 |
16,826 |
15,305 |
15,773 |
16,987 |
14,913 |
Capital Expenditures (CapEx) |
|
152 |
91 |
122 |
84 |
124 |
41 |
74 |
97 |
113 |
130 |
191 |
Net Nonoperating Expense (NNE) |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
Net Nonoperating Obligations (NNO) |
|
18,552 |
20,257 |
18,095 |
20,904 |
19,241 |
18,310 |
19,663 |
18,520 |
18,787 |
19,996 |
17,885 |
Total Depreciation and Amortization (D&A) |
|
112 |
117 |
115 |
115 |
115 |
128 |
120 |
123 |
124 |
135 |
138 |
Earnings Adjustments |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Adjusted Basic Earnings per Share |
|
$1.02 |
$0.78 |
$0.82 |
$0.91 |
$0.72 |
$0.70 |
$0.82 |
$0.78 |
$0.86 |
$0.71 |
$0.88 |
Adjusted Weighted Average Basic Shares Outstanding |
|
688.63M |
684.02M |
684.03M |
684.22M |
684.17M |
685.75M |
686.78M |
680.90M |
682.16M |
671.05M |
670.79M |
Adjusted Diluted Earnings per Share |
|
$1.00 |
$0.78 |
$0.82 |
$0.91 |
$0.71 |
$0.70 |
$0.81 |
$0.78 |
$0.85 |
$0.71 |
$0.88 |
Adjusted Weighted Average Diluted Shares Outstanding |
|
694.95M |
689.57M |
686.39M |
687.06M |
687.68M |
690.63M |
691.08M |
686.11M |
687.30M |
676.04M |
674.03M |
Adjusted Basic & Diluted Earnings per Share |
|
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
Adjusted Weighted Average Basic & Diluted Shares Outstanding |
|
678.59M |
680.72M |
680.89M |
681.02M |
681.22M |
684.04M |
676.80M |
670.54M |
665.62M |
667.49M |
661.89M |
Normalized Net Operating Profit after Tax (NOPAT) |
|
737 |
558 |
601 |
660 |
530 |
520 |
601 |
573 |
620 |
515 |
628 |
Normalized NOPAT Margin |
|
31.89% |
25.21% |
27.53% |
30.65% |
24.55% |
24.83% |
28.87% |
26.88% |
28.56% |
24.17% |
27.97% |
Pre Tax Income Margin |
|
39.46% |
32.44% |
35.50% |
39.29% |
30.06% |
31.42% |
36.70% |
34.15% |
35.28% |
30.64% |
35.99% |
Debt Service Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
EBIT to Interest Expense |
|
1.84 |
1.03 |
0.85 |
0.78 |
0.53 |
0.54 |
0.62 |
0.58 |
0.70 |
0.66 |
0.82 |
NOPAT to Interest Expense |
|
1.48 |
0.80 |
0.66 |
0.60 |
0.43 |
0.42 |
0.49 |
0.46 |
0.57 |
0.52 |
0.64 |
EBIT Less CapEx to Interest Expense |
|
1.53 |
0.90 |
0.72 |
0.70 |
0.43 |
0.50 |
0.56 |
0.51 |
0.60 |
0.53 |
0.62 |
NOPAT Less CapEx to Interest Expense |
|
1.18 |
0.67 |
0.52 |
0.53 |
0.33 |
0.39 |
0.43 |
0.38 |
0.46 |
0.39 |
0.44 |
Payout Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Dividend Payout Ratio |
|
37.90% |
39.48% |
39.78% |
39.55% |
45.13% |
45.56% |
46.21% |
52.29% |
50.82% |
51.36% |
50.94% |
Augmented Payout Ratio |
|
41.99% |
51.43% |
51.55% |
51.29% |
53.64% |
45.56% |
51.62% |
66.91% |
77.83% |
88.18% |
81.98% |
Key Financial Trends
Fifth Third Bancorp (NASDAQ: FITB) has demonstrated solid financial performance over the past four years, with consistent profitability, stable loan portfolio growth, and strong deposit management. Below is a summary of key financial trends observed from the quarterly financial statements ending Q2 2025 back through 2022.
- Consistent Net Income Growth: The company reported a consolidated net income of $627 million in Q2 2025, up from $601 million in Q2 2024 and $601 million in Q2 2023, reflecting gradual earnings improvement.
- Increasing Net Interest Income: Net interest income reached $1.495 billion in Q2 2025, improving from $1.387 billion in Q2 2024, driven by higher interest income on loans and investment securities.
- Stable Earnings Per Share (EPS): Diluted EPS was $0.88 in Q2 2025, up from $0.82 in Q2 2024 and $0.82 in Q2 2023, indicating earnings growth on a per-share basis despite a stable share count.
- Strong Operating Cash Flow: Net cash from operating activities increased to $1.306 billion in Q2 2025 compared to $679 million in Q2 2024 and $480 million in Q2 2023, reflecting improved cash generation from core operations.
- Steady Loan Portfolio Growth: Loans and leases increased to $122.4 billion in Q2 2025 from $116.6 billion at Q2 2024 and about $121.9 billion in Q2 2023, pointing to ongoing credit growth.
- Healthy Allowance for Loan Losses: The allowance rose moderately to $2.41 billion in Q2 2025 from $2.29 billion in Q2 2024 and $2.33 billion in Q2 2023, providing a prudent cushion for credit risk.
- Deposit Flows Volatility: The net change in deposits was negative $1.3 billion in Q2 2025, compared to a higher outflow of $2.8 billion in Q2 2024 but an inflow of about $1.15 billion in Q2 2023, suggesting some variability in funding sources.
- Capital Management Activity: The company continues to pay regular dividends ($0.37 per share in Q2 2025) and conducts share repurchases, with treasury stock levels reflecting ongoing capital return strategies.
- Balance Sheet Growth: Total assets stood at approximately $210.0 billion in Q2 2025, decreasing slightly from $213.3 billion in Q2 2024 and $207.3 billion in Q2 2023, reflecting modest asset base fluctuations.
- Increased Long-Term Debt Balances: Long-term debt rose to $14.49 billion in Q2 2025 from $12.93 billion in Q1 2023 and $12.28 billion in Q2 2023, which could increase interest expense and leverage risk.
- Provision for Credit Losses Trending Upward: Provisions increased to $173 million in Q2 2025 from $97 million in Q2 2024, signaling heightened credit risk or more conservative credit loss expectations.
- Rising Non-Interest Expenses: Non-interest expenses increased to about $1.264 billion in Q2 2025 from $1.221 billion in Q2 2024 and were higher than prior years, which may pressure profitability if not controlled.
Overview: Fifth Third Bancorp’s financials show resilience with improving income and strong operating cash flows. The company continues to manage its loan portfolio proactively with a well-maintained allowance for loan losses, though provisions have been rising lately. Some concerns include increased long-term debt and non-interest expenses that warrant monitoring. Overall, the bank displays a stable credit profile and improving profitability, supporting its earnings growth trajectory.
10/09/25 05:55 AM ETAI Generated. May Contain Errors.