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Fifth Third BancorpFITB +0.45%67 Debt-to-Equity is 0.59 as of Mar. 2026, which is 35% below its 10-year median of 0.91. GuruFocus rates FITB with a GF Score™ of 67/100 and a GF Value™ of $46.81 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,422 Banks companies, Fifth Third Bancorp ranks worse than 54.92% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Fifth Third Bancorp's Debt-to-Equity or its related term are showing as below:
FITB'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.51 Med: 0.91 Max: 1.24
Current: 0.65
During the past 13 years, the highest Debt-to-Equity Ratio of Fifth Third Bancorp was 1.24. The lowest was 0.51. And the median was 0.91.
FITB's Debt-to-Equity is ranked worse than 54.92% of 1422
companies
in the Banks industry
Industry Median: 0.57
vs FITB: 0.65
Fifth Third Bancorp (NYSE:FITB) Debt-to-Equity Explanation
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Fifth Third Bancorp Debt-to-Equity Related Terms
Fifth Third Bancorp Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Fifth Third Bancorp's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Fifth Third Bancorp's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Fifth Third Bancorp Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Fifth Third Bancorp's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Fifth Third Bancorp's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Fifth Third Bancorp (FITB) has a Debt-to-Equity of 0.59 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Fifth Third Bancorp and its competitors. This is 35% below median its historical median of 0.91. Over the past decade, Fifth Third Bancorp's Debt-to-Equity has ranged from 0.51 to 1.24. According to the industry distribution chart, Fifth Third Bancorp ranks #781 out of 1422 companies in the Banks industry, placing it in the top 54.9%.
Is Fifth Third Bancorp's Debt-to-Equity too high?
Fifth Third Bancorp's current Debt-to-Equity of 0.59 is 35% below median its 10-year median of 0.91. Over the past 10 years, this metric has ranged from a low of 0.51 to a high of 1.24. The Banks industry median Debt-to-Equity is 0.57. Fifth Third Bancorp's value of 0.59 is 3.5% above this industry median. Based on the distribution chart, Fifth Third Bancorp ranks #781 out of 1422 companies in the Banks industry, which is below the industry midpoint. Overall, Fifth Third Bancorp has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Fifth Third Bancorp's Debt-to-Equity compare to TFC and NU?
According to the Banks industry distribution chart, Fifth Third Bancorp ranks #781 out of 1422 companies for Debt-to-Equity. This places Fifth Third Bancorp in the lower half of its industry. The industry median Debt-to-Equity is 0.57. Fifth Third Bancorp's value of 0.59 is 3.5% above this benchmark. Historically, Fifth Third Bancorp's own Debt-to-Equity has ranged from 0.51 to 1.24 over the past decade. While the company's 10-year median is 0.91 vs. the industry median of 0.57, Fifth Third Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.57, based on 1,422 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Fifth Third Bancorp's current Debt-to-Equity of 0.59 is 3.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Fifth Third Bancorp and its competitors. For the Banks industry, the median Debt-to-Equity is 0.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fifth Third Bancorp's current Debt-to-Equity is 0.59, which is 35% below median its own 10-year median of 0.91. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fifth Third Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Fifth Third Bancorp (FITB) is currently considered Modestly Overvalued. The stock's GF Value™ is $46.81, compared to a current price of $57.41 — trading 22.6% above its estimated fair value. The current Debt-to-Equity is 0.59, which is 35% below median its 10-year median of 0.91 and 3.5% above the Banks industry median of 0.57. Fifth Third Bancorp's overall GF Score™ is 67/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Fifth Third Bancorp (FITB), the current Debt-to-Equity is 0.59 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Fifth Third Bancorp (FITB) Overvalued in 2026?
Based on GuruFocus' analysis, Fifth Third Bancorp stock appears to be overvalued.
The current stock price of $57.41 is trading 22.6% above its estimated GF Value™ of $46.81.
GuruFocus considers Fifth Third Bancorp to be Modestly Overvalued.
Key valuation signals for FITB:
Debt-to-Equity: 0.59 (35% below median its 10-year median of 0.91)
GF Value™: $46.81 vs. price of $57.41 (22.6% above fair value)
Industry Position: 3.5% above the Banks median (#781 of 1422)
No single metric tells the full story. See the FITB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Fifth Third Bancorp is a midsize regional bank in the US, with total assets of around $300 billion as of March 2026. The bank closed its acquisition of Comercia in February 2026. Headquartered in Cincinnati, Ohio, Fifth Third has a strong presence in the US Midwest and is currently expanding in the US Southeast. The bank provides a diversified set of financial services in retail banking, commercial banking, card and Treasury management, wealth and asset management, and capital markets.
67GF Score
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