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 consistent financial performance over the past several years through Q2 2025, showing growth in net income, stable asset base, and active management of liabilities and equity. Here are the key trends and factors from the last four years' quarterly statements:
- Strong Net Income Growth: Net income has increased consistently from $492 million attributable to common shareholders in Q2 2023 to $591 million in Q2 2025. The net income continuing operations also rose from $601 million in Q2 2023 to $628 million in Q2 2025, indicating improved profitability.
- Increasing Net Interest Income: Net interest income improved from approximately $1.38 billion in Q2 2023 to $1.5 billion by Q2 2025, benefiting from higher loans and leases interest income growth (from $1.83 billion to $1.88 billion) and moderate control of interest expenses.
- Growth in Loan Portfolio: Gross loans and leases increased from about $121.9 billion in Q2 2023 to $122.4 billion in Q2 2025 with net loans (after allowance) also rising from about $119.6 billion to about $120.0 billion, highlighting steady credit growth.
- Reduction in Share Count & Increased EPS: Weighted average diluted shares decreased slightly from around 691 million in Q2 2023 to 674 million in Q2 2025, supporting EPS growth from $0.81 to $0.88, enhancing shareholder value.
- Dividend Stability: The dividend per common share remained stable at $0.37 in recent quarters, providing a steady income stream for investors.
- Steady Asset Base: Total assets remained broadly stable around the $210 billion range over the quarters, showing consistent balance sheet size and management.
- Capital Adequacy: Total equity grew moderately from about $17.8 billion in Q2 2023 to $21.1 billion by Q2 2025, suggesting solid capital cushions though treasury stock levels offset some growth in common equity.
- Investment Securities Activity: The company actively manages purchases and sales of investment securities, with purchases and sales/maturities running in the billions each quarter. This indicates tactical security portfolio adjustments without large net shifts.
- Deposit Fluctuations and Outflows: Net change in deposits showed declines of over $1 billion in recent quarters, which could put pressure on liquidity and funding costs over time.
- Rising Non-Interest Expenses: Non-interest expenses have increased from approximately $1.23 billion in Q2 2023 to $1.26 billion in Q2 2025, notably salaries and employee benefits, which may pressure operating margins if revenue growth slows.
Summary: Fifth Third Bancorp has shown solid growth in earnings and interest income, supported by an expanding loan portfolio and disciplined share repurchases. Its stable asset and capital levels reflect prudent balance sheet management. However, investors should watch the pressures from deposit outflows and rising operating expenses that could affect net margins going forward.
10/24/25 12:20 AM ETAI Generated. May Contain Errors.