AnnualReportAI — Business Intelligence
Financial & Valuation Intelligence™

FIFTH THIRD BANCORP

NASDAQ
FITB
Sector: Financial Services· Banks - Regional
Current Price
$53.2
Market Cap
$30.98 B
AI Financial Summary

FIFTH THIRD BANCORP (FITB) demonstrates strong growth in EPS and free cash flow, coupled with robust profitability metrics like ROE and ROCE. The company maintains a healthy financial position with manageable debt. Its valuation appears attractive, suggesting a significant margin of safety. While revenue data is missing, other financial indicators point to a well-managed business.

Business Performance (CAGR)

10 Years
Revenue
—
PAT
5.5%
EPS
7.3%
Book Value
5.1%
Free Cash Flow
13.3%

Valuation Snapshot

P/E12.3
P/B1.4
EV/EBITDA12.5
P/S—
Div Yield3.75%

Financial Health

Debt to Equity0.63
Interest Coverage—x
Current Ratio—
Cash & Investments$3.50 B

Profitability Metrics

ROE
11.6%
ROCE
9.1%
ROA
1.2%
EBITDA Mgn
—
Op Margin
—
Net Margin
—

Cash Flow Intelligence

Operating Cash Flow$4.51 B
Free Cash Flow$4.19 B
Cash Conversion179.0%
FCF Margin—

Intrinsic Value

Premium
Estimated Intrinsic Value
████████
Current Price$53.2
Margin of Safety██.██%
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Estimated Intrinsic Value & DCF Fair Value are available with Premium plans.

AI Business Verdict

FIFTH THIRD BANCORP presents as an undervalued company with strong free cash flow generation and decent profitability metrics. While there are some concerns regarding its financial strength score and data gaps, the significant margin of safety and consistent EPS growth suggest potential for long-term shareholder value creation.

  • Robust free cash flow generation, with a 3-year CAGR of 13.25%.
  • Attractive valuation with a 36.70% margin of safety.
  • Healthy Return on Equity (ROE) of 11.61% and Return on Capital Employed (ROCE) of 9.09%.
  • Manageable debt-to-equity ratio of 0.63.

Balance Sheet

AI-Powered Analysis
Balance Sheet Strength™
51/100
Adequate

FIFTH THIRD BANCORP has an adequate but tight balance sheet — leverage and liquidity warrant monitoring.

AI Confidence
86%
Stability
48
Flexibility
55
Strength Factors
Liquidity55
Leverage78
Working Capital60
Asset Quality0
Shareholder Strength60
Financial Stability48
Financial Flexibility™
55/100
Adequate

Capacity to fund growth, withstand downturns and return capital.

Total Assets
$35.31 B
Total Liabilities
$13.59 B
Shareholder Equity
$21.72 B
▲ 10.6% YoY
Net Cash Position
-$10.09 B
Monitor
Debt / Equity
0.63x
Manageable
Enterprise Value
$41.07 B
Capital Structure
Assets
$35.31 B
Equity
$21.72 B (61.5%)
Liabilities
$13.59 B (38.5%)
Debt Intelligence™
Debt vs Cash Trend
Debt / Equity0.63x
Interest CoverageNot Available
Debt / EBITDA5.39x
Net Debt$10.09 B
Debt Trend (5Y)-1.1%
Debt MaturityWell Staggered
Liquidity Intelligence™
Current RatioNot Available
Quick RatioNot Available
Cash Ratio0.26
Working Capital$3.50 B
Operating Cash CoverageAdequate
Short-term LiquidityAdequate
Working Capital Intelligence™
CCC Trend
Receivable DaysNot Available
Inventory DaysNot Available
Payable DaysNot Available
Cash Conversion CycleNot Available
Asset Quality (% of Total Assets)
Cash & Investments9.9%
Property, Plant & Equip.7.7%
ReceivablesNot Available
InventoryNot Available
GoodwillNot Available
Intangible AssetsNot Available
Other Assets589.4%
Shareholder Strength™
Strength Radar
Book Value CAGR (5Y)5.1%
Net Worth CAGR (5Y)3.3%
Retained EarningsAdequate
Equity Dilution0.00%
Buyback EfficiencyExcellent
Dividend Sustain.Strong
Balance Sheet Evolution
Annual
Balance Sheet Risk Monitor
Debt RiskModerate
Liquidity RiskElevated
Working Capital RiskElevated
Refinancing RiskModerate
Asset Quality RiskHigh
Dilution RiskLow
Contingent LiabilityLow
Overall Balance Sheet RiskElevated
Balance Sheet Stress Test™
Economic Slowdown22
Acquisition Capacity62
High Interest Rates55
Dividend Sustainability58
Revenue Decline55
Cash Flow Resilience52
Expansion Capacity57
Overall Resilience Score
52/100
Fragile — Review Risks
AI Balance Sheet Commentary
Overall Assessment
  • FIFTH THIRD BANCORP has an adequate but tight balance sheet — leverage and liquidity warrant monitoring.
What Stands Out
  • Balance sheet is functional but shows no standout strengths
Areas To Monitor
  • Large 'other assets' bucket — investigate composition
Financial data based on consolidated numbers and TTM · Source: Company Filings, Annual Report AI Analysis · Data as of: 31/03/2025