β€’
Dec 31, 2020

Fifth Third Q4 2020 Earnings Report

Reported strong financial results driven by improved return metrics and solid credit quality.

Key Takeaways

Fifth Third Bancorp reported Q4 2020 net income of $604 million, compared to $581 million in the prior quarter and $734 million in the year-ago quarter. Diluted earnings per share were $0.78. The results reflect strong business performance and improved credit quality compared to the prior quarter.

CET1 approx. 84 bps above target; positioned to initiate repurchases up to $180 million in 1Q21

Solid credit quality, with stable NCOs and declines in NPAs; reserve coverage reflects improved macroeconomic environment and credit results

Completed divestitures of property & casualty insurance and 401(k) recordkeeping businesses as well as facility exits to help deliver $200 million of annual expense savings

Closed acquisition of Hammond Hanlon Camp LLC, expanding our healthcare advisory expertise

Total Revenue
$1.97B
Previous year: $2.27B
-13.0%
EPS
$0.88
Previous year: $0.68
+29.4%
Net Interest Margin
2.58%
Previous year: 3.27%
-21.1%
CET1 Capital Ratio
10.34%
Previous year: 9.75%
+6.1%
Net Charge-Off Ratio
0.43%
Previous year: 0.41%
+4.9%
Gross Profit
$1.94B
Previous year: $2.23B
-13.1%
Cash and Equivalents
$3.15B
Previous year: $3.28B
-4.0%
Free Cash Flow
-$1.71B
Previous year: $1.32B
-230.2%
Total Assets
$205B
Previous year: $169B
+20.8%

Fifth Third

Fifth Third

Fifth Third Revenue by Segment

Forward Guidance

Fifth Third did not provide specific forward guidance in the earnings report.

Revenue & Expenses

Visualization of income flow from segment revenue to net income