FITB
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Price to Earnings | 13.38 | 10.68 | 9.71 | 11.52 |
| Price to Sales | 3.49 | 2.80 | 2.79 | 4.07 |
| Book Value Per Common Share | 29.33 | 28.15 | 25.35 | 32.53 |
| Price to Book | 1.44 | 1.23 | 1.29 | 1.34 |
| Price to Operating Cash Flow | 10.21 | 5.23 | 3.51 | 11.31 |
| Price to Free Cash Flow | 11.97 | 5.91 | 3.93 | 12.77 |
| Enterprise Value to EBITDA |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Price to Earnings | 48.96 | 46.74 | 55.21 | 49.16 | 54.92 |
| Price to Sales | 13.03 | 12.41 | 12.65 | 13.32 | 14.14 |
| Book Value Per Common Share | 31.93 | 31.64 | 30.58 | 29.33 | 30.73 |
| Price to Book | 1.40 | 1.30 | 1.28 | 1.44 | 1.39 |
| Price to Operating Cash Flow | 28.38 | 21.12 | 21.33 | -282.62 | 15.68 |
| Price to Free Cash Flow | 35.64 | 24.74 | 23.85 | -125.24 | 16.87 |
| Enterprise Value to EBITDA |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Earning YoY | -2.17 | -4.44 | -10.58 | |
| Revenue YoY | -2.01 | 3.95 | 7.94 | |
| EBITDA YoY | ||||
| Net Profit YoY | -2.58 | -4.98 | -12.22 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Earning YoY | 3.41 | 23.94 | -17.44 | 10.26 | |
| Revenue YoY | 2.52 | 6.88 | -2.94 | 3.88 | |
| EBITDA YoY | |||||
| Net Profit YoY | 2.88 | 23.64 | -17.87 | 9.40 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Cash Per Common Share | ||||
| Quick Ratio | ||||
| Current Ratio | ||||
| Debt to Equity | 9.84 | 10.19 | 10.97 | 8.51 |
| Long-Term Debt to Equity |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Cash Per Common Share | |||||
| Quick Ratio | |||||
| Current Ratio | |||||
| Debt to Equity | 9.09 | 8.94 | 9.42 | 9.84 | 9.31 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| ROA | 1.01 | 1.03 | 1.12 | 1.26 |
| ROE | 10.97 | 11.54 | 13.44 | 11.94 |
| Gross Margin | ||||
| Operating Margin | ||||
| EBITDA Margin | ||||
| Net Profit Margin | 26.11 | 26.26 | 28.73 | 35.33 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| ROA | 0.29 | 0.28 | 0.22 | 0.27 | 0.25 |
| ROE | 2.88 | 2.80 | 2.34 | 2.96 | 2.56 |
| Gross Margin | |||||
| Operating Margin | |||||
| EBITDA Margin | |||||
| Net Profit Margin | 26.68 | 26.59 | 22.98 | 27.16 | 25.79 |
Dividends
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Dividend Yield | 0.00 | 0.00 | 0.00 | 0.00 |
| Dividend Payout Ratio | 54.57 | 47.92 | 39.82 | 33.82 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Dividend Yield | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Dividend Payout Ratio | 46.88 | 48.05 | 62.13 | 49.66 | 60.15 |
Financial Statements
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Assets | 212,927,000.00 | 214,574,000.00 | 207,452,000.00 | 211,116,000.00 |
| Cash and Short-Term Investments | 0 | 0 | 0 | 0 |
| Cash and Cash Equivalents | 3,014,000.00 | 3,142,000.00 | 3,466,000.00 | 2,994,000.00 |
| Short-Term Investments | 55,926,000.00 | 71,779,000.00 | 58,980,000.00 | 72,163,000.00 |
| Net Receivables | 6,523,000.00 | 5,592,000.00 | 6,228,000.00 | 6,616,000.00 |
| Inventory | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 3,320,000.00 | 3,319,000.00 | 3,322,000.00 | 3,163,000.00 |
| Goodwill | 4,918,000.00 | 4,919,000.00 | 4,915,000.00 | 4,514,000.00 |
| Intangible Assets | 1,794,000.00 | 1,862,000.00 | 1,915,000.00 | 1,277,000.00 |
| Long-Term Investments | 71,213,000.00 | 75,619,000.00 | 61,869,000.00 | 75,081,000.00 |
| Non-Current Deferred Assets | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 |
| Liabilities | 193,282,000.00 | 195,402,000.00 | 190,125,000.00 | 188,906,000.00 |
| Payables and Expenses | 2,137,000.00 | 2,195,000.00 | 1,822,000.00 | 2,233,000.00 |
| Account Payables | 0 | 0 | 0 | 0 |
| Current Accrued Liabilities | 0 | 0 | 0 | 0 |
| Short-Term Debt | 4,158,000.00 | 2,528,000.00 | 4,326,000.00 | 0 |
| Other Current Liabilities | 0 | 0 | 0 | 0 |
| Long-Term Debt | 14,337,000.00 | 16,380,000.00 | 13,714,000.00 | 11,821,000.00 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 |
| Equity | 19,645,000.00 | 19,172,000.00 | 17,327,000.00 | 22,210,000.00 |
| Shareholders Equity | 19,645,000.00 | 19,172,000.00 | 17,327,000.00 | 22,210,000.00 |
| Capital Stock | 4,167,000.00 | 4,167,000.00 | 4,167,000.00 | 4,167,000.00 |
| Share Premium | 3,804,000.00 | 3,757,000.00 | 3,684,000.00 | 3,624,000.00 |
| Retained Earnings | 24,150,000.00 | 22,997,000.00 | 21,689,000.00 | 20,236,000.00 |
| Treasury Shares | 7,840,000.00 | 7,262,000.00 | 7,103,000.00 | 7,024,000.00 |
| Accumulated Other Comprehensive Income | -4,636,000.00 | -4,487,000.00 | -5,110,000.00 | 1,207,000.00 |
| Minority Interest | 0 | 0 | 0 | 0 |
| Debt | 18,495,000.00 | 18,908,000.00 | 18,040,000.00 | 11,821,000.00 |
| Net Debt | 15,481,000.00 | 15,766,000.00 | 14,574,000.00 | 8,827,000.00 |
| Common Shares Outstanding | 669,853.83 | 681,124.81 | 683,385.88 | 682,777.66 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Revenues | 8,253,000.00 | 8,422,000.00 | 8,102,000.00 | 7,506,000.00 |
| Interest Income | 10,426,000.00 | 9,760,000.00 | 6,587,000.00 | 5,211,000.00 |
| Interest Expense | 4,796,000.00 | 3,933,000.00 | 978,000.00 | 441,000.00 |
| Non-Interest Expense | 4,794,000.00 | 4,733,000.00 | 4,461,000.00 | 4,388,000.00 |
| Selling, General and Administrative Expenses | 3,163,000.00 | 3,114,000.00 | 2,971,000.00 | 2,984,000.00 |
| EBT | 2,916,000.00 | 2,988,000.00 | 3,093,000.00 | 3,517,000.00 |
| Income Tax | 602,000.00 | 639,000.00 | 647,000.00 | 747,000.00 |
| Net Income Including Non-Controlling Interests | 2,314,000.00 | 2,349,000.00 | 2,446,000.00 | 2,770,000.00 |
| Net Income | 2,155,000.00 | 2,212,000.00 | 2,328,000.00 | 2,652,000.00 |
| Deprecation and Amortization | 495,000.00 | 462,000.00 | 436,000.00 | 349,000.00 |
| EPS | 0.00 | 0.00 | 0.00 | 0.00 |
| Diluted EPS | 0.00 | 0.00 | 0.00 | 0.00 |
| Average Shares Outstanding Basic | 682,161.00 | 684,172.00 | 688,634.00 | 702,189.00 |
| Average Shares Outstanding Diluted | 687,301.00 | 687,678.00 | 694,952.00 | 711,198.00 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Operating Cash Flow | 2,824,000.00 | 4,509,000.00 | 6,428,000.00 | 2,704,000.00 |
| Operating Net Income | 2,314,000.00 | 2,349,000.00 | 2,446,000.00 | 2,770,000.00 |
| Deprecation and Amortization | 495,000.00 | 462,000.00 | 436,000.00 | 349,000.00 |
| Deferred Income Tax | 72,000.00 | -106,000.00 | -60,000.00 | -14,000.00 |
| Share Based Compensation | 164,000.00 | 169,000.00 | 165,000.00 | 120,000.00 |
| Change in Working Capital | -558,000.00 | 360,000.00 | 210,000.00 | -239,000.00 |
| Other Operating Activities | 337,000.00 | 1,275,000.00 | 3,231,000.00 | -282,000.00 |
| Investing Cash Flow | 1,039,000.00 | -9,488,000.00 | -4,871,000.00 | -7,968,000.00 |
| Capital Expenditure | 0 | 0 | 0 | 0 |
| Net Purchase/Sale of PPE | -325,000.00 | -421,000.00 | -470,000.00 | -262,000.00 |
| Net Purchase/Sale of Investments Net | 4,440,000.00 | -12,858,000.00 | 5,451,000.00 | -3,618,000.00 |
| Net Purchase/Sale of Business | 6,000.00 | 0 | -851,000.00 | -297,000.00 |
| Other Investing Activities | -3,082,000.00 | 3,791,000.00 | -9,001,000.00 | -3,791,000.00 |
| Financing Cash Flow | -3,991,000.00 | 4,655,000.00 | -1,085,000.00 | 5,111,000.00 |
| Net Issuance/Repayment of Debt | -433,000.00 | 829,000.00 | 6,564,000.00 | -3,234,000.00 |
| Net Issuance/Repurchase of Equity | 0 | 0 | -100,000.00 | -1,393,000.00 |
| Dividends Paid | -1,176,000.00 | -1,060,000.00 | -927,000.00 | -897,000.00 |
| Other Financing Activities | 0 | 0 | -6,622,000.00 | 10,635,000.00 |
| Net Change in Cash | -128,000.00 | -324,000.00 | 472,000.00 | -153,000.00 |
| Cash at Beginning of Period | 3,142,000.00 | 3,466,000.00 | 2,994,000.00 | 3,147,000.00 |
| Cash at End of Period | 3,014,000.00 | 3,142,000.00 | 3,466,000.00 | 2,994,000.00 |
| Free Cash Flow | 2,410,000.00 | 3,993,000.00 | 5,743,000.00 | 2,395,000.00 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Assets | 212,903,000.00 | 209,991,000.00 | 212,669,000.00 | 212,927,000.00 | 214,318,000.00 |
| Cash and Short-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Cash and Cash Equivalents | 2,901,000.00 | 2,972,000.00 | 3,009,000.00 | 3,014,000.00 | 3,215,000.00 |
| Short-Term Investments | 53,413,000.00 | 51,136,000.00 | 54,216,000.00 | 55,926,000.00 | 61,386,000.00 |
| Net Receivables | 3,200,000.00 | 3,161,000.00 | 3,112,000.00 | 6,523,000.00 | 2,859,000.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 3,034,000.00 | 2,904,000.00 | 2,820,000.00 | 3,320,000.00 | 2,782,000.00 |
| Goodwill | 4,947,000.00 | 4,918,000.00 | 4,918,000.00 | 4,918,000.00 | 4,918,000.00 |
| Intangible Assets | 1,677,000.00 | 1,704,000.00 | 1,745,000.00 | 1,794,000.00 | 1,754,000.00 |
| Long-Term Investments | 65,859,000.00 | 63,864,000.00 | 66,726,000.00 | 71,213,000.00 | 74,310,000.00 |
| Non-Current Deferred Assets | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 191,796,000.00 | 188,867,000.00 | 192,266,000.00 | 193,282,000.00 | 193,534,000.00 |
| Payables and Expenses | 1,943,000.00 | 1,970,000.00 | 1,722,000.00 | 2,137,000.00 | 2,034,000.00 |
| Account Payables | 0 | 0 | 0 | 0 | 0 |
| Current Accrued Liabilities | 0 | 0 | 0 | 0 | 0 |
| Short-Term Debt | 4,768,000.00 | 3,068,000.00 | 5,164,000.00 | 4,158,000.00 | 1,046,000.00 |
| Other Current Liabilities | 0 | 0 | 0 | 0 | 0 |
| Long-Term Debt | 13,677,000.00 | 14,492,000.00 | 14,539,000.00 | 14,337,000.00 | 17,096,000.00 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 | 0 |
| Equity | 21,107,000.00 | 21,124,000.00 | 20,403,000.00 | 19,645,000.00 | 20,784,000.00 |
| Shareholders Equity | 21,107,000.00 | 21,124,000.00 | 20,403,000.00 | 19,645,000.00 | 20,784,000.00 |
| Capital Stock | 3,821,000.00 | 4,167,000.00 | 4,167,000.00 | 4,167,000.00 | 4,167,000.00 |
| Share Premium | 3,813,000.00 | 3,794,000.00 | 3,773,000.00 | 3,804,000.00 | 3,784,000.00 |
| Retained Earnings | 25,057,000.00 | 24,718,000.00 | 24,377,000.00 | 24,150,000.00 | 23,820,000.00 |
| Treasury Shares | 8,308,000.00 | 8,009,000.00 | 8,019,000.00 | 7,840,000.00 | 7,541,000.00 |
| Accumulated Other Comprehensive Income | -3,276,000.00 | -3,546,000.00 | -3,895,000.00 | -4,636,000.00 | -3,446,000.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 |
| Debt | 18,445,000.00 | 17,560,000.00 | 19,703,000.00 | 18,495,000.00 | 18,142,000.00 |
| Net Debt | 15,544,000.00 | 14,588,000.00 | 16,694,000.00 | 15,481,000.00 | 14,927,000.00 |
| Common Shares Outstanding | 660,973.45 | 667,709.71 | 667,272.07 | 669,853.83 | 676,268.73 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Revenues | 2,279,000.00 | 2,223,000.00 | 2,080,000.00 | 2,143,000.00 | 2,063,000.00 |
| Interest Income | 2,519,000.00 | 2,484,000.00 | 2,432,000.00 | 2,529,000.00 | 2,669,000.00 |
| Interest Expense | 999,000.00 | 989,000.00 | 995,000.00 | 1,091,000.00 | 1,248,000.00 |
| Non-Interest Expense | 1,238,000.00 | 1,235,000.00 | 1,245,000.00 | 1,173,000.00 | 1,180,000.00 |
| Selling, General and Administrative Expenses | 804,000.00 | 830,000.00 | 838,000.00 | 748,000.00 | 772,000.00 |
| EBT | 837,000.00 | 808,000.00 | 653,000.00 | 765,000.00 | 728,000.00 |
| Income Tax | 188,000.00 | 180,000.00 | 138,000.00 | 145,000.00 | 155,000.00 |
| Net Income Including Non-Controlling Interests | 649,000.00 | 628,000.00 | 515,000.00 | 620,000.00 | 573,000.00 |
| Net Income | 608,000.00 | 591,000.00 | 478,000.00 | 582,000.00 | 532,000.00 |
| Deprecation and Amortization | 139,000.00 | 138,000.00 | 135,000.00 | 124,000.00 | 123,000.00 |
| EPS | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Diluted EPS | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Average Shares Outstanding Basic | 666,426.89 | 670,787.00 | 671,052.00 | 675,307.00 | 680,895.00 |
| Average Shares Outstanding Diluted | 670,877.55 | 674,034.00 | 676,040.00 | 681,456.00 | 686,109.00 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Operating Cash Flow | 1,046,000.00 | 1,306,000.00 | 1,233,000.00 | -101,000.00 | 1,860,000.00 |
| Operating Net Income | 649,000.00 | 627,000.00 | 515,000.00 | 620,000.00 | 572,000.00 |
| Deprecation and Amortization | 139,000.00 | 138,000.00 | 135,000.00 | 124,000.00 | 123,000.00 |
| Deferred Income Tax | 56,000.00 | -18,000.00 | 5,000.00 | 64,000.00 | 10,000.00 |
| Share Based Compensation | 27,000.00 | 35,000.00 | 73,000.00 | 31,000.00 | 33,000.00 |
| Change in Working Capital | -101,000.00 | 483,000.00 | 142,000.00 | -1,030,000.00 | 881,000.00 |
| Other Operating Activities | 276,000.00 | 41,000.00 | 363,000.00 | 90,000.00 | 241,000.00 |
| Investing Cash Flow | -3,364,000.00 | 2,442,000.00 | -67,000.00 | 1,143,000.00 | -1,155,000.00 |
| Capital Expenditure | 0 | 0 | 0 | 0 | 0 |
| Net Purchase/Sale of PPE | -213,000.00 | -191,000.00 | -130,000.00 | -113,000.00 | -97,000.00 |
| Net Purchase/Sale of Investments Net | -2,053,000.00 | 3,000,000.00 | 2,566,000.00 | 4,491,000.00 | -754,000.00 |
| Net Purchase/Sale of Business | -36,000.00 | 0 | 0 | 0 | 0 |
| Other Investing Activities | -1,062,000.00 | -367,000.00 | -2,503,000.00 | -3,235,000.00 | -304,000.00 |
| Financing Cash Flow | 2,247,000.00 | -3,785,000.00 | -1,171,000.00 | -1,243,000.00 | -327,000.00 |
| Net Issuance/Repayment of Debt | 840,000.00 | -2,206,000.00 | 1,154,000.00 | 472,000.00 | -369,000.00 |
| Net Issuance/Repurchase of Equity | -300,000.00 | 0 | -225,000.00 | -300,000.00 | -200,000.00 |
| Dividends Paid | -285,000.00 | -284,000.00 | -297,000.00 | -289,000.00 | -320,000.00 |
| Other Financing Activities | 1,992,000.00 | -1,295,000.00 | -1,803,000.00 | -1,126,000.00 | 562,000.00 |
| Net Change in Cash | -71,000.00 | -37,000.00 | -5,000.00 | -201,000.00 | 378,000.00 |
| Cash at Beginning of Period | 2,972,000.00 | 3,009,000.00 | 3,014,000.00 | 3,215,000.00 | 2,837,000.00 |
| Cash at End of Period | 2,901,000.00 | 2,972,000.00 | 3,009,000.00 | 3,014,000.00 | 3,215,000.00 |
| Free Cash Flow | 833,000.00 | 1,115,000.00 | 1,103,000.00 | -228,000.00 | 1,729,000.00 |