FITBFifth Third Bancorp

Financials · Banks · NYSE

Headquarters: Cincinnati, OH
CEO: Timothy Spence
Next results: around Jan 19, 2027

All key numbers (33, from the latest 10-K and 10-Q) From EDGAR

EPS (ttm)	2.98	Sales (ttm)	11.7B	Net income (ttm)	2.6B	Sales growth	+6.3%	EPS growth	+12.4%	Sales Q/Q	+42.5%
Free cash flow	2.8B	Gross margin	-	Oper. margin	-	Net margin	21.9%	FCF margin	23.8%	ROE	7.7%
ROA	0.9%	R&D / sales	-	Dividend	1.54	Debt/Eq	0.54	Curr. ratio	-	Cash	4.1B
Op. cash flow (ttm)	3.5B	Net debt	14.1B	Payout ratio	43.6%	Tax rate	21.5%	Stock pay / sales	1.8%	Shares out.	903.6M
Shares Y/Y	-2.2%	Book / share	36.85	Cash / share	4.52	Sales / share	12.97	Asset turnover	0.04	Sales 3Y CAGR	+2.5%
Sales 5Y CAGR	+3.4%	EPS 3Y CAGR	+1.8%	EPS 5Y CAGR	+14.0%

Hover or tap a number to see the XBRL line item and filing it comes from; click it to open that filing at SEC. What each number means. Looks wrong? Tell us.

Changes in the numbers

FY2025 against FY2024

Free cash flow rose 63%$2.4B → $3.9B · Cash from operations − capital expenditure · 10-K ↗
Revenue growth sped up to +6.3%-2.6% → +6.3% · Revenue FY2025 / revenue FY2024 − 1, against the same a year earlier · 10-K ↗

What management wrote about it → · Every company →

FITB against Financials peers

Ten years, side by side → · All 76 →

FITBPeer median

Each side 0 to 100, ranked against every company we cover: relative position on reported figures, not a buy score. How

Every dot is one of the 76 companies, the better end on the right. Hover a dot for the company.

Sales growth

+6.3%47th of 76 · median +7.2%

Net margin

21.9%35th of 76 · median 20.4%

Return on equity

7.7%66th of 74 · median 16.7%

Free cash flow margin

23.8%21st of 49 · median 21.5%

Debt / equity (less is better)

0.5424th of 62 · median 0.70

FITB and the 5 peers closest in revenue
Company	Revenue (ttm)	Sales growth	Gross margin	Net margin	ROE	FCF margin	Debt / equity
FITB Fifth Third Bancorp	$11.7B	+6.3%	-	21.9%	7.7%	23.8%	0.54
CINF Cincinnati Financial	$13.3B	+11.4%	-	20.1%	16.5%	23.2%	0.05
FIS Fidelity National Information Services	$12.9B	+5.4%	35.8%	26.8%	21.3%	21.5%	1.28
GPN Global Payments	$11.5B	-0.4%	61.5%	-11.2%	-5.6%	-1.5%	0.98
HBAN Huntington Bancshares	$10.4B	+10.6%	-	24.0%	7.7%	28.1%	0.73
WTW Willis Towers Watson	$10.3B	-2.2%	-	15.2%	20.1%	17.0%	0.84

Profitability

2 of 3

✓
Net margin above the peer median21.9% vs 20.4%
!
Return on equity below 15%7.7%
✓
A profit in every one of 10 years

Net margin, FY2016 to FY2025: 24.5% → 28.0%

Cash and shareholders

2 of 2

✓
Share count down over 5 years−6.6%
✓
Dividend per share up over 5 years$1.08 → $1.54

Free cash flow, FY2016 to FY2025: 1.9B → 3.9B

Each tick is a fact with a fixed rule (on /methodology), not a score or advice. A check without the numbers it needs is left out.

What the debt is made of, and when it is due

balance sheet of Sep 30, 2026 · schedule of Dec 31, 2025

The debt note's own lines, 2025-12-31

Line, as the company names it	Kind	Rate	Fixed or floating	Amount
Amount Qualifying as Tier Two Capital for Regulatory Capital Purposes	–	–	not stated	$1.1B

From the debt note in the 10-K's XBRL (0000035527-26-000124), as the company tags it: by issue, by year, by currency or by kind. Lines from two ways of cutting the same debt can overlap, so they are not added up. Fixed or floating is read from the line's own name only; "not stated" when it says neither.

Left: the debt lines on the balance sheet (XBRL). Right: the principal due each year, from the debt note's maturity schedule; it can differ a little from the balance sheet, which shows the debt net of discounts and fees. Leases are not counted. The full schedule →

Revenue and net income, FY2016 to FY2025

Revenue 9.0B Net income 2.5B

From XBRL in each 10-K. Hover a bar for the line item and filing. Full financials →

FITB's income statement, balance sheet and cash flow as reported to the SEC in XBRL, one column per fiscal year. Hover a number to see the line item and filing it comes from. Where a company changed how it tags a line, the first tag it reported for that period is used. A number looks wrong? Tell us.

Annual Quarterly

Revenue9.0B

Net income2.5B

Free cash flow3.9B

EPS (diluted)3.53

Dividend per share1.54

Diluted shares672.5M

Income statement

From EDGAR

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	6.3B	7.0B	6.9B	8.3B	7.6B	7.9B	8.4B	8.7B	8.5B	9.0B
Interest expense	578.0M	691.0M	1.0B	1.5B	790.0M	441.0M	978.0M	3.9B	4.9B	4.0B
Pretax income	2.2B	3.0B	2.8B	3.2B	1.8B	3.5B	3.1B	3.0B	2.9B	3.2B
Income tax	665.0M	799.0M	572.0M	690.0M	370.0M	747.0M	647.0M	639.0M	602.0M	689.0M
Net income	1.5B	2.2B	2.2B	2.5B	1.4B	2.8B	2.4B	2.3B	2.3B	2.5B
EPS (diluted)	1.91	2.81	3.06	3.33	1.83	3.73	3.35	3.22	3.14	3.53
Diluted shares	764.5M	740.7M	685.5M	720.1M	719.7M	711.2M	695.0M	687.7M	687.3M	672.5M
Depreciation & amortization	453.0M	341.0M	360.0M	472.0M	492.0M	349.0M	436.0M	462.0M	495.0M	554.0M
Net margin	24.5%	31.0%	31.6%	30.1%	18.7%	35.1%	29.2%	27.0%	27.3%	28.0%
Revenue growth	-	+11.3%	-1.3%	+20.2%	-8.7%	+3.6%	+6.2%	+4.0%	-2.6%	+6.3%
EPS growth	-	+47.1%	+8.9%	+8.8%	-45.0%	+104%	-10.2%	-3.9%	-2.5%	+12.4%

Balance sheet

From EDGAR

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Cash	-	-	2.7B	3.3B	3.1B	3.0B	3.5B	3.1B	3.0B	3.5B
Property & equipment	2.1B	2.0B	1.9B	2.0B	2.1B	2.1B	2.2B	2.3B	2.5B	2.7B
Goodwill	2.4B	2.4B	2.5B	4.3B	4.3B	4.5B	4.9B	4.9B	4.9B	4.9B
Total assets	142.1B	142.1B	146.1B	169.4B	204.7B	211.1B	207.5B	214.6B	212.9B	214.4B
Total debt	14.4B	14.9B	14.4B	15.0B	15.0B	11.8B	13.7B	16.4B	19.0B	14.5B
Total liabilities	125.9B	125.9B	129.8B	148.2B	181.6B	188.9B	190.1B	195.4B	193.3B	192.7B
Shareholders' equity	16.2B	16.2B	16.2B	21.2B	23.1B	22.2B	17.3B	19.2B	19.6B	21.7B
Retained earnings	13.4B	15.0B	16.6B	18.3B	18.4B	20.2B	21.7B	23.0B	24.1B	25.5B

Cash flow

From EDGAR

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Operating cash flow	2.1B	1.5B	2.9B	1.8B	371.0M	2.7B	6.4B	4.5B	2.8B	4.5B
Capital spending	186.0M	200.0M	192.0M	243.0M	305.0M	309.0M	348.0M	491.0M	414.0M	584.0M
Free cash flow	1.9B	1.3B	2.7B	1.6B	66.0M	2.4B	6.1B	4.0B	2.4B	3.9B
Stock-based pay (added back)	111.0M	118.0M	127.0M	132.0M	123.0M	120.0M	165.0M	169.0M	164.0M	163.0M
Dividends paid	402.0M	430.0M	565.0M	753.0M	858.0M	897.0M	927.0M	1.1B	1.2B	1.2B
Buybacks	661.0M	1.6B	1.5B	1.8B	0	1.4B	100.0M	200.0M	625.0M	525.0M
Acquisitions	-	-	-	-	23.0M	297.0M	917.0M	0	0	36.0M
Debt raised	3.7B	2.5B	2.4B	3.9B	2.6B	562.0M	4.0B	4.3B	3.2B	1.1B
Debt repaid	5.1B	2.0B	2.9B	4.2B	2.8B	3.6B	1.8B	1.7B	5.3B	2.0B
Investing cash flow	-2.9B	428.0M	-4.1B	-797.0M	-31.9B	-8.0B	-4.9B	-9.5B	1.0B	-1.8B
Financing cash flow	625.0M	-1.8B	1.5B	-430.0M	31.4B	5.1B	-1.1B	4.7B	-4.0B	-2.2B
Dividend per share	0.53	0.60	0.74	0.94	1.08	1.14	1.26	1.36	1.44	1.54

Stock-based pay and leases

From EDGAR

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Stock-based pay (expense)	111.0M	118.0M	127.0M	132.0M	123.0M	120.0M	165.0M	169.0M	164.0M	163.0M
Stock-based pay / revenue	1.8%	1.7%	1.8%	1.6%	1.6%	1.5%	2.0%	1.9%	1.9%	1.8%
Operating lease cash paid	-	-	-	97.0M	91.0M	88.0M	90.0M	91.0M	95.0M	97.0M
Finance lease principal paid	-	-	-	5.0M	11.0M	16.0M	23.0M	16.0M	18.0M	19.0M
Right-of-use assets	-	-	0	473.0M	423.0M	427.0M	508.0M	511.0M	526.0M	629.0M
Operating lease liabilities	-	-	-	555.0M	527.0M	520.0M	599.0M	601.0M	606.0M	711.0M
Finance lease liabilities	-	-	-	35.0M	130.0M	149.0M	156.0M	134.0M	161.0M	174.0M

From SEC's XBRL company facts (data.sec.gov). EBITDA = operating income + depreciation and amortization; free cash flow = operating cash flow - capital spending; total debt = long-term debt (with its current part) + short-term borrowings. Stock-based pay and leases are shown as the company reports them; Tickdelta does not take them out of earnings or add leases to debt. Click a number to open the filing in SEC's Inline XBRL viewer, where you can click the same number to see how it is tagged. Values a company later revised show as revised; the Revised numbers tab lists the changes.

Work on FITB in a spreadsheet: Excel workbook (a sheet per section, ten years by column, charts, links to the filings) · CSV. For a Google Sheet that stays up to date, paste =IMPORTDATA("https://tickdelta.com/company/FITB/export.csv") into a cell.