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Fifth Third Bancorp (FITBP) Financials

Fifth Third Bancorp logo
$24.29 0.00 (0.00%)
Closing price 03:57 PM Eastern
Extended Trading
$24.22 -0.07 (-0.29%)
As of 04:09 PM Eastern
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Annual Income Statements for Fifth Third Bancorp

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.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 1,414 1,637 1,472 2,105 2,118 2,419 1,323 2,659 2,330 2,212 2,155
Consolidated Net Income / (Loss)		 1,483 1,706 1,543 2,180 2,193 2,512 1,427 2,770 2,446 2,349 2,314
Net Income / (Loss) Continuing Operations		 1,483 1,706 1,543 2,180 2,193 2,512 1,427 2,770 2,446 2,349 2,314
Total Pre-Tax Income 		2,028 2,365 2,208 2,979 2,765 3,202 1,797 3,517 3,093 2,988 2,916
Total Revenue		 6,052 6,536 6,311 7,022 6,930 8,333 7,612 7,888 8,375 8,708 8,479
Net Interest Income / (Expense)		 3,579 3,533 3,615 3,798 4,140 4,797 4,782 4,770 5,609 5,827 5,630
Total Interest Income		 4,030 4,028 4,193 4,489 5,183 6,254 5,572 5,211 6,587 9,760 10,426
Loans and Leases Interest Income		 3,298 3,151 3,233 3,478 4,078 5,051 4,424 4,079 4,954 7,334 7,477
Investment Securities Interest Income		 724 869 952 996 1,080 1,162 1,119 1,090 1,517 1,770 1,839
Other Interest Income		 8.00 8.00 8.00 15 25 41 29 42 116 656 1,110
Total Interest Expense		 451 495 578 691 1,043 1,457 790 441 978 3,933 4,796
Deposits Interest Expense		 202 186 205 277 538 892 322 59 447 2,929 3,736
Short-Term Borrowings Interest Expense		 2.00 2.00 10 30 29 28 14 2.00 108 247 157
Long-Term Debt Interest Expense		 247 306 361 378 446 508 452 380 417 742 892
Federal Funds Purchased and Securities Sold Interest Expense		 0.00 1.00 2.00 6.00 30 29 2.00 0.00 6.00 15 11
Total Non-Interest Income		 2,473 3,003 2,696 3,224 2,790 3,536 2,830 3,118 2,766 2,881 2,849
Other Service Charges		 1,615 2,192 1,850 2,448 1,893 2,736 1,442 1,604 751 1,873 1,810
Net Realized & Unrealized Capital Gains on Investments		 21 9.00 10 4.00 -69 43 62 -9.00 -84 18 15
Investment Banking Income		 407 418 - - 444 487 520 586 570 581 647
Other Non-Interest Income		 430 384 432 353 522 270 804 937 1,529 409 377
Provision for Credit Losses		 315 396 343 261 207 471 1,097 -377 563 515 530
Total Non-Interest Expense		 3,709 3,775 3,760 3,782 3,958 4,660 4,718 4,748 4,719 5,205 5,033
Salaries and Employee Benefits		 1,449 1,525 1,612 1,633 2,115 2,418 2,590 2,626 2,554 2,694 2,763
Net Occupancy & Equipment Expense		 646 669 651 657 700 883 842 838 868 943 966
Marketing Expense		 - - - - 147 162 104 107 118 126 115
Other Operating Expenses		 1,614 1,581 1,497 1,492 996 1,197 1,182 1,177 1,179 1,442 1,189
Income Tax Expense		 545 659 665 799 572 690 370 747 647 639 602
Preferred Stock Dividends Declared		 67 75 75 75 75 93 104 111 116 137 159
Basic Earnings per Share		 $1.68 $2.03 $1.92 $2.86 $3.11 $3.38 $1.84 $3.78 $3.38 $3.23 $3.16
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
Diluted Earnings per Share		 $1.66 $2.01 $1.91 $2.81 $3.06 $3.33 $1.83 $3.73 $3.35 $3.22 $3.14
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
Weighted Average Basic & Diluted Shares Outstanding		 841.70M 806.40M 763.60M 736M 681M 709.55M 708.70M 683.68M 678.59M 681.22M 665.62M
Cash Dividends to Common per Share		 $0.51 $0.52 $0.53 $0.60 $0.74 $0.94 $1.08 $1.14 $1.26 $1.36 $1.44

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
Period end date 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025
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
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
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
Period end date 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025
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
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
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
Period end date 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025
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
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
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
Period end date 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025
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 reported its Q2 2025 financial results showing continued growth and solid operational performance, alongside some notable changes in its balance sheet and cash flows over the last four years. The company has delivered consistent net income growth, stable dividend payments, and maintained a relatively strong capital position. Here's a detailed summary highlighting the key trends:

  • Strong Earnings Growth: Consolidated net income increased from approximately $520 million in Q1 2024 to $628 million in Q2 2025, reflecting steady profitability growth. Diluted EPS grew from $0.71 in Q1 2024 to $0.88 in Q2 2025.
  • Net Interest Margin Expansion: Net interest income rose from around $1.38 billion in Q1 2024 to $1.50 billion in Q2 2025, driven by increased interest income from loans and investments, supporting better core bank earnings.
  • Robust Operating Cash Flows: Net cash from continuing operating activities improved substantially to $1.31 billion in Q2 2025 from prior quarters, indicating good cash generation from core business operations.
  • Efficient Loan Portfolio Management: Loans and leases increased from about $116 billion in early 2023 to $122.4 billion in Q2 2025, with allowance for loan losses maintained and adjusted prudently at roughly 2% of loans.
  • Consistent Dividend Payments: The company maintained steady quarterly dividends of $0.37 per share in Q2 2025, up from $0.33-$0.35 in early 2023, showing a disciplined shareholder return policy.
  • Moderate Increase in Operating Expenses: Non-interest expenses showed some fluctuations, with salaries and employee benefits reduced slightly from $753 million in Q1 2024 to $698 million in Q2 2025, while occupancy and other operating expenses remained relatively stable.
  • Investment Activities: The firm saw significant purchases and sales of investment securities, with a surge in sales/maturities in Q2 2025 ($4.97 billion) compared to purchases ($1.87 billion), reflecting active portfolio management balancing liquidity and investment returns.
  • Capital Structure Changes: Total equity increased gradually, with common equity rising from approximately $16.2 billion in Q1 2023 to $19.0 billion by Q2 2025. Treasury stock holdings and accumulated other comprehensive losses fluctuated but did not materially impair equity strength.
  • Deposit Outflows in Q2 2025: The company reported a $1.3 billion decrease in deposits during Q2 2025, which is a reversal from prior quarters where deposit growth was positive. This could pressure liquidity and funding costs.
  • Significant Debt Repayment in Q2 2025: The bank repaid $3.73 billion in debt compared to $1.53 billion issued during the period, reflecting a net reduction in debt. While this reduces leverage, it potentially limits liquidity buffer and flexibility.

Summary: Fifth Third Bancorp has demonstrated solid financial health and operational improvements with rising net income, stable dividends, and prudent asset-liability management. The company’s focus on maintaining strong underwriting standards is evident in the consistent allowance for credit losses despite loan growth. However, recent deposit outflows and net debt reduction in Q2 2025 warrant monitoring, as they could impact liquidity and funding costs going forward. Overall, the firm appears well-positioned with steady earnings momentum and a solid capital base.

08/15/25 03:08 PMAI Generated. May Contain Errors.

Frequently Asked Questions About Fifth Third Bancorp's Financials

When does Fifth Third Bancorp's fiscal year end?

According to the most recent income statement we have on file, Fifth Third Bancorp's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Fifth Third Bancorp's net income changed over the last 10 years?

Fifth Third Bancorp's net income appears to be on an upward trend, with a most recent value of $2.31 billion in 2024, rising from $1.48 billion in 2014. The previous period was $2.35 billion in 2023.

How has Fifth Third Bancorp's revenue changed over the last 10 years?

Over the last 10 years, Fifth Third Bancorp's total revenue changed from $6.05 billion in 2014 to $8.48 billion in 2024, a change of 40.1%.

How much debt does Fifth Third Bancorp have?

Fifth Third Bancorp's total liabilities were at $193.28 billion at the end of 2024, a 1.1% decrease from 2023, and a 57.1% increase since 2014.

How much cash does Fifth Third Bancorp have?

In the past 10 years, Fifth Third Bancorp's cash and equivalents has ranged from $2.39 billion in 2016 to $3.47 billion in 2022, and is currently $3.01 billion as of their latest financial filing in 2024.

How has Fifth Third Bancorp's book value per share changed over the last 10 years?

Over the last 10 years, Fifth Third Bancorp's book value per share changed from 17.35 in 2014 to 26.14 in 2024, a change of 50.7%.


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This page (NASDAQ:FITBP) was last updated on 8/15/2025 by MarketBeat.com Staff
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