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Fifth Third Bancorp Financials

FITB
FY2025 annual
Revenue $9.9B -5.0% YoY
Net Income $2.5B +9.0% YoY
EPS (Diluted) Not reported for FY2025
Free Cash Flow $3.9B +63.1% YoY
Source SEC Filings (10-K/10-Q) Data as of Jun 30, 2026 Currency USD FYE December

Fifth Third Bancorp (FITB) reported $9.9B in revenue for fiscal year 2025, down 5.0% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI FITB FY2025

A stable balance sheet is generating slightly better returns as funding costs fall and leverage eases.

FY2025 shows a quality-of-earnings improvement: net income rose to $2.5B while operating cash flow reached $4.5B, so reported profit was supported by real cash generation. Because interest expense fell to $3.9B from $4.8B even as reported revenue slipped, the stronger result looks more like better balance-sheet economics than simple growth.

The bank is earning slightly more from a steady asset base: total assets stayed near $214.4B and return on assets improved to 1.2%. That matters because the business did not need a much larger balance sheet to produce better profitability, which points to improved efficiency in how assets were funded and deployed.

The capital posture also firmed as equity climbed to $21.7B while total liabilities edged down. With shareholder payouts of about $1.7B still below free cash flow of $3.9B, distributions were covered by internally generated cash rather than by stretching the balance sheet.

[ NOT FINANCIAL ADVICE ]

Financial Health Signals

Earnings Growth Capital Efficiency CreditQuality Stability 51 / 100
Financial Health Score 51/100
Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Fifth Third Bancorp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings
68
Growth
22
Capital
31
Efficiency
71
Credit Quality
19
Stability
96
Piotroski F-Score Partial
5/7

Fifth Third Bancorp passes 5 of 7 computable financial strength tests (2 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed
1.79x

For every $1 of reported earnings, Fifth Third Bancorp generates $1.79 in operating cash flow ($4.5B OCF vs $2.5B net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue
$9.9B
YoY-5.0%
5Y CAGR+77.7%
10Y CAGR+9.4%

Fifth Third Bancorp generated $9.9B in revenue in fiscal year 2025. This represents a decrease of 5.0% from the prior year.

Net Income
$2.5B
YoY+9.0%
5Y CAGR+12.1%
10Y CAGR+3.9%

Fifth Third Bancorp reported $2.5B in net income in fiscal year 2025. This represents an increase of 9.0% from the prior year.

EBITDA

Not reported for fiscal year 2025.

EPS (Diluted)

Not reported for fiscal year 2025.

Cash & Balance Sheet

Free Cash Flow
$3.9B
YoY+63.1%
5Y CAGR+126.4%
10Y CAGR+5.7%

Fifth Third Bancorp generated $3.9B in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 63.1% from the prior year.

Cash & Debt
$3.5B
YoY+16.1%
5Y CAGR+2.1%

Fifth Third Bancorp held $3.5B in cash against $13.6B in long-term debt as of fiscal year 2025.

Dividends Per Share
$1.54
YoY+6.9%
5Y CAGR+7.4%
10Y CAGR+11.5%

Fifth Third Bancorp paid $1.54 per share in dividends in fiscal year 2025. This represents an increase of 6.9% from the prior year.

Shares Outstanding
902M
YoY+35.5%
5Y CAGR+4.9%
10Y CAGR+1.4%

Fifth Third Bancorp had 902M shares outstanding in fiscal year 2025. This represents an increase of 35.5% from the prior year.

Margins & Returns

Net Margin
25.5%
YoY+3.3pp
10Y CAGR-17.0pp

Fifth Third Bancorp's net profit margin was 25.5% in fiscal year 2025, showing the share of revenue converted to profit. This is up 3.3 percentage points from the prior year.

Return on Equity
11.6%
YoY-0.2pp
5Y CAGR+5.4pp
10Y CAGR+0.8pp

Fifth Third Bancorp's ROE was 11.6% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 0.2 percentage points from the prior year.

Gross Margin

Not reported for fiscal year 2025.

Operating Margin

Not reported for fiscal year 2025.

Capital Allocation

Share Buybacks
$525.0M
YoY-16.0%
10Y CAGR-4.7%

Fifth Third Bancorp spent $525.0M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 16.0% from the prior year.

Capital Expenditures
$584.0M
YoY+41.1%
5Y CAGR+13.9%
10Y CAGR+13.5%

Fifth Third Bancorp invested $584.0M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 41.1% from the prior year.

R&D Spending

Not reported for fiscal year 2025.

FITB Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

FITB annual income statement
MetricTTMFY25FY24FY23FY22FY21FY20FY19FY18FY17FY16FY15FY14FY13FY12FY11
Revenue$11.3B$9.9B-5.0%$10.4B+1706.9%$577.0M-2.0%$589.0M-1.8%$600.0M+7.3%$559.0M-1.1%$565.0M+2.9%$549.0M-0.9%$554.0M-0.7%$558.0M-86.1%$4.0B0.0%$4.0B+1.4%$4.0B-3.3%$4.1B-2.6%$4.2B
SG&A Expenses$3.9B$2.8B+1.9%$2.8B+2.6%$2.7B+5.5%$2.6B-2.7%$2.6B+1.4%$2.6B+7.1%$2.4B+14.3%$2.1B+29.5%$1.6B+1.3%$1.6B+5.7%$1.5B+5.2%$1.4B-8.3%$1.6B-1.6%$1.6B+8.7%$1.5B
Interest Expense$4.1B$3.9B-18.2%$4.8B+21.9%$3.9B+302.1%$978.0M+121.8%$441.0M-44.2%$790.0M-45.8%$1.5B+39.7%$1.0B+50.9%$691.0M+19.6%$578.0M+16.8%$495.0M+9.8%$451.0M+9.5%$412.0M-19.5%$512.0M-22.5%$661.0M
Income Tax$648.0M$689.0M+14.5%$602.0M-5.8%$639.0M-1.2%$647.0M-13.4%$747.0M+101.9%$370.0M-46.4%$690.0M+20.6%$572.0M-28.4%$799.0M+20.2%$665.0M+0.9%$659.0M+20.9%$545.0M-29.4%$772.0M+21.4%$636.0M+19.3%$533.0M
Net Income$2.3B$2.5B+9.0%$2.3B-1.5%$2.3B-4.0%$2.4B-11.7%$2.8B+94.1%$1.4B-43.2%$2.5B+14.5%$2.2B+0.6%$2.2B+40.9%$1.5B-9.6%$1.7B+15.6%$1.5B-19.3%$1.8B+16.5%$1.6B+21.5%$1.3B

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EPS (Diluted).

TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.

FITB Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

FITB annual balance sheet
MetricFY25FY24FY23FY22FY21FY20FY19FY18FY17FY16FY15FY14FY13FY12FY11
Total Assets$214.4B+0.7%$212.9B-0.8%$214.6B+3.4%$207.5B-1.7%$211.1B+3.1%$204.7B+20.8%$169.4B+16.0%$146.1B+2.8%$142.1B0.0%$142.1B+0.7%$141.0B+1.7%$138.7B+6.3%$130.4B+7.0%$121.9B+4.2%$117.0B
Cash & Equivalents$3.5B+16.1%$3.0B-4.1%$3.1B-9.3%$3.5B+15.8%$3.0B-4.9%$3.1B-4.0%$3.3B+22.3%$2.7BN/AN/AN/AN/AN/AN/AN/A
Goodwill$4.9B+0.6%$4.9B0.0%$4.9B+0.1%$4.9B+8.9%$4.5B+6.0%$4.3B+0.1%$4.3B+71.6%$2.5B+1.3%$2.4B+1.2%$2.4B0.0%$2.4B0.0%$2.4B0.0%$2.4B0.0%$2.4B0.0%$2.4B
Total Liabilities$192.7B-0.3%$193.3B-1.1%$195.4B+2.8%$190.1B+0.6%$188.9B+4.0%$181.6B+22.5%$148.2B+14.1%$129.8B+3.1%$125.9B-0.1%$125.9B+0.6%$125.2B+1.7%$123.0B+6.2%$115.8B+7.1%$108.1B+4.3%$103.7B
Long-Term Debt$13.6B-5.2%$14.3B-12.5%$16.4B+19.4%$13.7B+16.0%$11.8B-21.1%$15.0B0.0%$15.0B+3.8%$14.4B-3.2%$14.9B+3.6%$14.4B-9.0%$15.8B+5.6%$15.0B+55.4%$9.6B+36.0%$7.1B-26.8%$9.7B
Total Equity$21.7B+10.6%$19.6B+2.5%$19.2B+10.6%$17.3B-22.0%$22.2B-3.9%$23.1B+9.0%$21.2B+30.5%$16.3B+0.3%$16.2B0.0%$16.2B+2.3%$15.8B+1.4%$15.6B+7.1%$14.6B+6.4%$13.7B+3.9%$13.2B
Retained Earnings$25.5B+5.5%$24.1B+5.0%$23.0B+6.0%$21.7B+7.2%$20.2B+10.1%$18.4B+0.4%$18.3B+10.5%$16.6B+10.8%$15.0B+11.3%$13.4B+8.8%$12.4B+10.9%$11.1B+9.7%$10.2B+15.8%$8.8B+16.1%$7.6B

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities.

FITB Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

FITB annual cash flow statement
MetricTTMFY25FY24FY23FY22FY21FY20FY19FY18FY17FY16FY15FY14FY13FY12FY11
Operating Cash Flow$3.7B$4.5B+59.8%$2.8B-37.4%$4.5B-29.9%$6.4B+137.7%$2.7B+628.8%$371.0M-79.7%$1.8B-36.1%$2.9B+93.0%$1.5B-29.2%$2.1B-13.5%$2.4B+16.5%$2.1B-54.8%$4.6B+79.7%$2.6B+8.1%$2.4B
Capital Expenditures$644.0M$584.0M+41.1%$414.0M-15.7%$491.0M+41.1%$348.0M+12.6%$309.0M+1.3%$305.0M+25.5%$243.0M+26.6%$192.0M-4.0%$200.0M+7.5%$186.0M+13.4%$164.0M-24.1%$216.0M-21.2%$274.0M-24.3%$362.0M+13.5%$319.0M
Free Cash Flow$3.0B$3.9B+63.1%$2.4B-40.0%$4.0B-33.9%$6.1B+153.9%$2.4B+3528.8%$66.0M-95.8%$1.6B-40.7%$2.7B+108.1%$1.3B-32.8%$1.9B-15.5%$2.3B+21.2%$1.9B-57.0%$4.3B+96.9%$2.2B+7.2%$2.0B
Investing Cash Flow-$3.7B-$1.8B-277.7%$1.0B+111.0%-$9.5B-94.8%-$4.9B+38.9%-$8.0B+75.0%-$31.9B-3902.8%-$797.0M+80.8%-$4.1B-1067.5%$428.0MN/AN/AN/AN/A-$6.5B-23.6%-$5.3B
Financing Cash Flow$1.4B-$2.2B+45.3%-$4.0B-185.7%$4.7B+529.0%-$1.1B-121.2%$5.1B-83.7%$31.4B+7402.3%-$430.0M-129.6%$1.5B+181.3%-$1.8BN/AN/AN/AN/A$3.8B+9.7%$3.4B
Dividends Paid$1.3B$1.2B-1.1%$1.2B+10.9%$1.1B+14.3%$927.0M+3.3%$897.0M+4.5%$858.0M+13.9%$753.0M+33.3%$565.0M+31.4%$430.0M+7.0%$402.0M-4.7%$422.0M-0.2%$423.0M+7.6%$393.0M+27.2%$309.0M+60.9%$192.0M
Share Buybacks$300.0M$525.0M-16.0%$625.0M+212.5%$200.0M+100.0%$100.0M-92.8%$1.4B$0-100.0%$1.8B+21.3%$1.5B-9.5%$1.6B+142.8%$661.0M-22.2%$850.0M+30.0%$654.0M-50.5%$1.3BN/AN/A

TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.

FITB Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples.

FITB annual financial ratios
MetricFY25FY24FY23FY22FY21FY20FY19FY18FY17FY16FY15FY14FY13FY12FY11
Net Margin25.5%+3.3pp22.2%407.1%415.3%461.7%255.3%444.6%399.4%393.5%277.2%42.5%+5.8pp36.8%-9.5pp46.2%+7.8pp38.4%+7.6pp30.8%
Return on Equity11.6%-0.2pp11.8%-0.5pp12.3%-1.9pp14.1%+1.6pp12.5%+6.3pp6.2%-5.7pp11.8%-1.7pp13.5%0.0pp13.5%+3.9pp9.6%-1.3pp10.8%+1.3pp9.5%-3.1pp12.6%+1.1pp11.5%+1.7pp9.8%
Return on Assets1.2%+0.1pp1.1%0.0pp1.1%-0.1pp1.2%-0.1pp1.3%+0.6pp0.7%-0.8pp1.5%0.0pp1.5%0.0pp1.5%+0.4pp1.1%-0.1pp1.2%+0.1pp1.1%-0.3pp1.4%+0.1pp1.3%+0.2pp1.1%
Debt-to-Equity0.63-0.1x0.73-0.1x0.85+0.1x0.79+0.3x0.53-0.1x0.65-0.1x0.71-0.2x0.890.0x0.920.0x0.89-0.1x1.000.0x0.96+0.3x0.66+0.1x0.52-0.2x0.73
FCF Margin39.7%+16.6pp23.1%696.4%1032.3%399.2%11.8%279.8%485.3%231.1%341.4%56.0%+9.8pp46.2%108.8%53.4%+4.9pp48.5%

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Net Margin, FCF Margin.

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Frequently Asked Questions

What is Fifth Third Bancorp's annual revenue?

Fifth Third Bancorp (FITB) reported $9.9B in total revenue for fiscal year 2025. This represents a -5.0% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Fifth Third Bancorp's revenue growing?

Fifth Third Bancorp (FITB) revenue declined by 5.0% year-over-year, from $10.4B to $9.9B in fiscal year 2025.

Is Fifth Third Bancorp profitable?

Yes, Fifth Third Bancorp (FITB) reported a net income of $2.5B in fiscal year 2025, with a net profit margin of 25.5%.

As of fiscal year 2025, Fifth Third Bancorp (FITB) had $3.5B in cash and equivalents against $13.6B in long-term debt.

Fifth Third Bancorp (FITB) had a net profit margin of 25.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Yes, Fifth Third Bancorp (FITB) paid $1.54 per share in dividends during fiscal year 2025.

Fifth Third Bancorp (FITB) has a return on equity of 11.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

Fifth Third Bancorp (FITB) generated $3.9B in free cash flow during fiscal year 2025. This represents a 63.1% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

Fifth Third Bancorp (FITB) generated $4.5B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

Fifth Third Bancorp (FITB) had $214.4B in total assets as of fiscal year 2025, including both current and long-term assets.

Fifth Third Bancorp (FITB) invested $584.0M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Yes, Fifth Third Bancorp (FITB) spent $525.0M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

Fifth Third Bancorp (FITB) had 902M shares outstanding as of fiscal year 2025.

Fifth Third Bancorp (FITB) had a debt-to-equity ratio of 0.63 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

Fifth Third Bancorp (FITB) had a return on assets of 1.2% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

Fifth Third Bancorp (FITB) has a Piotroski F-Score of 5 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Fifth Third Bancorp (FITB) has an earnings quality ratio of 1.79x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

Fifth Third Bancorp (FITB) scores 51 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.

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