For the year ending 2025-12-31, FITBI had $485M increase in cash & cash equivalents over the period. $3,930M in free cash flow.
| Cash Flow | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Net income | 2,522 | 2,314 | 2,349 | 2,446 |
| Provision for credit losses | 662 | 530 | 515 | 563 |
| Depreciation, amortization and accretion | 554 | 495 | 462 | 436 |
| Stock-based compensation expense | 163 | 164 | 169 | 165 |
| Provision for (benefit from) deferred income taxes | 140 | 72 | -106 | -60 |
| Securities losses (gains), net | - | - | - | -84 |
| Securities gains, net | 27 | 20 | 31 | - |
| Msr fair value adjustment | 169 | 77 | 105 | -177 |
| Net gains on sales of loans and fair value adjustments on loans held for sale | 72 | 34 | 27 | 126 |
| Net gains on disposition and impairment of bank premises and equipment and operating lease equipment | - | 14 | 7 | 1 |
| Gain on sale of hsa deposit portfolio | - | - | 0 | 0 |
| Gain on the tra associated with worldpay, inc | 0 | 11 | 22 | 46 |
| Proceeds from sales of loans held for sale | 5,175 | 4,066 | 4,938 | 13,123 |
| Loans originated or purchased for sale, net of repayments | 5,206 | 4,301 | 4,242 | 10,239 |
| Dividends representing return on equity method investments | 41 | 44 | 46 | 50 |
| Equity and trading debt securities | 115 | 3 | 128 | -70 |
| Other assets | -715 | 625 | -326 | -646 |
| Accrued taxes, interest and expenses and other liabilities | -207 | 70 | 162 | -506 |
| Net cash provided by operating activities | 4,514 | 2,824 | 4,509 | 6,428 |
| Afs securities and other investments | 4,959 | 782 | 2,813 | 4,359 |
| Loans and leases | 341 | 419 | 444 | 155 |
| Bank premises and equipment | 0 | 24 | 7 | 2 |
| Msrs | 0 | 5 | - | - |
| Proceeds from repayments / maturities of afs and htm securities and other investments | 7,497 | 5,814 | 4,235 | 4,495 |
| Afs securities and other investments | - | - | - | 29,714 |
| Afs and htm securities, equity method investments and other investments | 8,145 | 7,129 | 6,244 | - |
| Bank premises and equipment | 584 | 414 | 491 | 348 |
| Msrs | 0 | 0 | 25 | 213 |
| Proceeds from settlement of boli | 38 | 34 | 14 | 49 |
| Proceeds from sales and dividends representing return of equity method investments | 17 | 11 | 69 | 87 |
| Net cash received for divestitures | 0 | 6 | 0 | 66 |
| Net cash paid on acquisitions | 36 | 0 | 0 | 917 |
| Net cash paid on sale of hsa deposit portfolio | - | - | 0 | 0 |
| Other short-term investments | 1,756 | -4,962 | 13,731 | -26,224 |
| Portfolio loans and leases | 4,052 | 3,540 | -3,358 | 8,992 |
| Operating lease equipment | 125 | -65 | -63 | 124 |
| Net cash (used in) provided by investing activities | -1,846 | 1,039 | -9,488 | -4,871 |
| Net change in deposits | 4,567 | -1,660 | 5,222 | -5,994 |
| Net change in short-term borrowings | 61 | -32 | -1,881 | 3,757 |
| Proceeds from short-term fhlb advances | 4,700 | 4,100 | - | - |
| Repayment of short-term fhlb advances | 8,500 | 2,500 | - | - |
| Proceeds from long-term debt issuances/advances | 1,083 | 3,249 | 4,286 | 4,026 |
| Repayment of long-term debt | 1,982 | 5,282 | 1,657 | 1,762 |
| Dividends paid on common and preferred stock | 1,163 | 1,176 | 1,060 | 927 |
| Repurchases of treasury stock and related forward contract | 525 | 625 | 200 | 100 |
| Issuance of preferred stock | - | - | - | 0 |
| Redemption of preferred stock, series l | 350 | - | - | - |
| Other | -74 | -65 | -55 | -85 |
| Net cash (used in) provided by financing activities | -2,183 | -3,991 | 4,655 | -1,085 |
| Increase (decrease) in cash and due from banks | 485 | -128 | -324 | 472 |
| Cash and due from banks at beginning of period | 3,014 | 3,142 | 3,466 | 2,994 |
| Cash and due from banks at end of period | 3,499 | 3,014 | 3,142 | 3,466 |
FIFTH THIRD BANCORP (FITBI)
FIFTH THIRD BANCORP (FITBI)