Fifth Third Bancorp Financials

FITBP

Source SEC Filings (10-K/10-Q) Data as of Mar 31, 2026 Currency USD FYE December

This page shows Fifth Third Bancorp (FITBP) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 19 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 FITBP FY2025 2026-04-22

A flat asset base is producing stronger cash flow, letting the bank rely less on long-term debt.

Between FY2023 and FY2025, total assets were essentially flat, but operating cash flow climbed from $2.8B to $4.5B. With long-term debt lower and equity higher by FY2025, that points to better earnings extraction from the same balance-sheet footprint rather than growth driven by added leverage.

Equity growth from $19.6B in FY2024 to $21.7B in FY2025, alongside lower long-term debt, means funding is shifting modestly toward retained capital instead of borrowed money. FY2025 ROE of 11.6% stayed close to FY2024's 11.8%, so returns were maintained even with a thicker capital cushion.

Free cash flow of $3.9B comfortably covered dividends of $1.2B. That left room for buybacks without needing new balance-sheet support, which makes FY2025's capital return look more like a use of internally generated cash than a dependence on extra leverage.

Financial Health Signals

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

Growth

Capital

Efficiency

Credit Quality

Stability

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.

EBITDA

N/A

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.

EPS (Diluted)

N/A

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

Gross Margin

N/A

Operating Margin

N/A

Net Margin

25.5%

YoY+3.3pp

5Y CAGR-229.8pp

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.

Capital Allocation

R&D Spending

N/A

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.

FITBP Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$9.9B-5.0%	$10.4B+1706.9%	$577.0M-2.0%	$589.0M-1.8%	$600.0M+7.3%	$559.0M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$2.8B+1.9%	$2.8B+2.6%	$2.7B+5.5%	$2.6B-2.7%	$2.6B+1.4%	$2.6B
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$3.9B-18.2%	$4.8B+21.9%	$3.9B+302.1%	$978.0M+121.8%	$441.0M-44.2%	$790.0M
Income Tax	$689.0M+14.5%	$602.0M-5.8%	$639.0M-1.2%	$647.0M-13.4%	$747.0M+101.9%	$370.0M
Net Income	$2.5B+9.0%	$2.3B-1.5%	$2.3B-4.0%	$2.4B-11.7%	$2.8B+94.1%	$1.4B
EPS (Diluted)	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$3.0B+20.4%	$2.5B-2.0%	$2.5B+1.4%	$2.5B+2.1%	$2.4B-75.6%	$10.0B+6085.1%	$161.0M+3.2%	$156.0M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$1.4B+106.7%	$682.0M-0.4%	$685.0M-1.9%	$698.0M-6.9%	$750.0M+13.0%	$664.0M-3.8%	$690.0M+5.2%	$656.0M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$1.0B+10.7%	$938.0M-6.1%	$999.0M+1.0%	$989.0M-0.6%	$995.0M-8.8%	$1.1B-12.6%	$1.2B+1.2%	$1.2B
Income Tax	$42.0M-77.0%	$183.0M-2.7%	$188.0M+4.4%	$180.0M+30.4%	$138.0M-5.5%	$146.0M-5.8%	$155.0M-4.9%	$163.0M
Net Income	$165.0M-77.4%	$730.0M+12.5%	$649.0M+3.3%	$628.0M+21.9%	$515.0M-16.9%	$620.0M+8.2%	$573.0M-4.7%	$601.0M
EPS (Diluted)	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

FITBP Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$214.4B+0.7%	$212.9B-0.8%	$214.6B+3.4%	$207.5B-1.7%	$211.1B+3.1%	$204.7B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$3.5B+16.1%	$3.0B-4.1%	$3.1B-9.3%	$3.5B+15.8%	$3.0B-4.9%	$3.1B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$4.9B+0.6%	$4.9B0.0%	$4.9B+0.1%	$4.9B+8.9%	$4.5B+6.0%	$4.3B
Total Liabilities	$192.7B-0.3%	$193.3B-1.1%	$195.4B+2.8%	$190.1B+0.6%	$188.9B+4.0%	$181.6B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$13.6B-5.2%	$14.3B-12.5%	$16.4B+19.4%	$13.7B+16.0%	$11.8B-21.1%	$15.0B
Total Equity	$21.7B+10.6%	$19.6B+2.5%	$19.2B+10.6%	$17.3B-22.0%	$22.2B-3.9%	$23.1B
Retained Earnings	$25.5B+5.5%	$24.1B+5.0%	$23.0B+6.0%	$21.7B+7.2%	$20.2B+10.1%	$18.4B

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$297.0B+38.6%	$214.4B+0.7%	$212.9B+1.4%	$210.0B-1.3%	$212.7B-0.1%	$212.9B-0.6%	$214.3B+0.5%	$213.3B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$4.1B+16.7%	$3.5B+20.6%	$2.9B-2.4%	$3.0B-1.2%	$3.0B-0.2%	$3.0B-6.3%	$3.2B+13.3%	$2.8B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$10.0B+101.5%	$4.9B0.0%	$4.9B+0.6%	$4.9B0.0%	$4.9B0.0%	$4.9B0.0%	$4.9B0.0%	$4.9B
Total Liabilities	$262.9B+36.5%	$192.7B+0.4%	$191.8B+1.6%	$188.9B-1.8%	$192.3B-0.5%	$193.3B-0.1%	$193.5B-0.3%	$194.0B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$18.8B+38.0%	$13.6B-0.6%	$13.7B-5.6%	$14.5B-0.3%	$14.5B+1.4%	$14.3B-16.1%	$17.1B+4.9%	$16.3B
Total Equity	$34.1B+57.0%	$21.7B+2.9%	$21.1B-0.1%	$21.1B+3.5%	$20.4B+3.9%	$19.6B-5.5%	$20.8B+8.1%	$19.2B
Retained Earnings	$25.2B-0.9%	$25.5B+1.7%	$25.1B+1.4%	$24.7B+1.4%	$24.4B+0.9%	$24.1B+1.4%	$23.8B+1.2%	$23.5B

FITBP Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$4.5B+59.8%	$2.8B-37.4%	$4.5B-29.9%	$6.4B+137.7%	$2.7B+628.8%	$371.0M
Capital Expenditures	$584.0M+41.1%	$414.0M-15.7%	$491.0M+41.1%	$348.0M+12.6%	$309.0M+1.3%	$305.0M
Free Cash Flow	$3.9B+63.1%	$2.4B-40.0%	$4.0B-33.9%	$6.1B+153.9%	$2.4B+3528.8%	$66.0M
Investing Cash Flow	-$1.8B-277.7%	$1.0B+111.0%	-$9.5B-94.8%	-$4.9B+38.9%	-$8.0B+75.0%	-$31.9B
Financing Cash Flow	-$2.2B+45.3%	-$4.0B-185.7%	$4.7B+529.0%	-$1.1B-121.2%	$5.1B-83.7%	$31.4B
Dividends Paid	$1.2B-1.1%	$1.2B+10.9%	$1.1B+14.3%	$927.0M+3.3%	$897.0M+4.5%	$858.0M
Share Buybacks	$525.0M-16.0%	$625.0M+212.5%	$200.0M+100.0%	$100.0M-92.8%	$1.4B	$0

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	-$1.1B-219.1%	$929.0M-11.2%	$1.0B-19.9%	$1.3B+5.9%	$1.2B+1320.8%	-$101.0M-105.4%	$1.9B+173.9%	$679.0M
Capital Expenditures	$146.0M-11.0%	$164.0M+2.5%	$160.0M+11.9%	$143.0M+22.2%	$117.0M-19.3%	$145.0M+28.3%	$113.0M+24.2%	$91.0M
Free Cash Flow	-$1.3B-263.7%	$765.0M-13.7%	$886.0M-23.8%	$1.2B+4.2%	$1.1B+553.7%	-$246.0M-114.1%	$1.7B+197.1%	$588.0M
Investing Cash Flow	$5.4B+731.7%	-$857.0M+74.5%	-$3.4B-237.8%	$2.4B+3744.8%	-$67.0M-105.9%	$1.1B+199.0%	-$1.2B-190.2%	$1.3B
Financing Cash Flow	-$3.7B-807.8%	$526.0M-76.6%	$2.2B+159.4%	-$3.8B-223.2%	-$1.2B+5.8%	-$1.2B-280.1%	-$327.0M+83.0%	-$1.9B
Dividends Paid	$308.0M+3.7%	$297.0M+4.2%	$285.0M+0.4%	$284.0M-4.4%	$297.0M+2.8%	$289.0M-9.7%	$320.0M+14.3%	$280.0M
Share Buybacks	$0	$0-100.0%	$300.0M	$0-100.0%	$225.0M-25.0%	$300.0M+50.0%	$200.0M+60.0%	$125.0M

FITBP Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	25.5%+3.3pp	22.2%-384.9pp	407.1%-8.2pp	415.3%-46.4pp	461.7%+206.4pp	255.3%
Return on Equity	11.6%-0.2pp	11.8%-0.5pp	12.3%-1.9pp	14.1%+1.6pp	12.5%+6.3pp	6.2%
Return on Assets	1.2%+0.1pp	1.1%0.0pp	1.1%-0.1pp	1.2%-0.1pp	1.3%+0.6pp	0.7%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.63-0.1	0.73-0.1	0.85+0.1	0.79+0.3	0.53-0.1	0.65
FCF Margin	39.7%+16.6pp	23.1%-673.2pp	696.4%-335.9pp	1032.3%+633.1pp	399.2%+387.4pp	11.8%

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	5.5%-24.0pp	29.6%+3.8pp	25.8%+0.5pp	25.3%+4.1pp	21.2%+14.9pp	6.2%-349.7pp	355.9%-29.4pp	385.3%
Return on Equity	0.5%-2.9pp	3.4%+0.3pp	3.1%+0.1pp	3.0%+0.5pp	2.5%-0.6pp	3.2%+0.4pp	2.8%-0.4pp	3.1%
Return on Assets	0.1%-0.3pp	0.3%+0.0pp	0.3%0.0pp	0.3%+0.1pp	0.2%-0.1pp	0.3%+0.0pp	0.3%0.0pp	0.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.55-0.1	0.63-0.0	0.65-0.0	0.69-0.0	0.71-0.0	0.73-0.1	0.82-0.0	0.85
FCF Margin	-42.1%-73.1pp	31.0%-4.2pp	35.2%-11.6pp	46.8%+0.9pp	45.9%+48.4pp	-2.5%-1087.6pp	1085.1%+708.2pp	376.9%

Frequently Asked Questions

What is Fifth Third Bancorp's annual revenue?

Fifth Third Bancorp (FITBP) 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 (FITBP) revenue declined by 5% year-over-year, from $10.4B to $9.9B in fiscal year 2025.

Is Fifth Third Bancorp profitable?

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

How much debt does Fifth Third Bancorp have?

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

What is Fifth Third Bancorp's net profit margin?

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

Does Fifth Third Bancorp pay dividends?

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

What is Fifth Third Bancorp's return on equity (ROE)?

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

What is Fifth Third Bancorp's free cash flow?

Fifth Third Bancorp (FITBP) 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.

What is Fifth Third Bancorp's operating cash flow?

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

What are Fifth Third Bancorp's total assets?

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

What are Fifth Third Bancorp's capital expenditures?

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

Does Fifth Third Bancorp buy back shares?

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

How many shares does Fifth Third Bancorp have outstanding?

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

What is Fifth Third Bancorp's debt-to-equity ratio?

Fifth Third Bancorp (FITBP) 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.

What is Fifth Third Bancorp's return on assets (ROA)?

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

What is Fifth Third Bancorp's Piotroski F-Score?

Fifth Third Bancorp (FITBP) 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.

Are Fifth Third Bancorp's earnings high quality?

Fifth Third Bancorp (FITBP) 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.

How financially healthy is Fifth Third Bancorp?

Fifth Third Bancorp (FITBP) 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.