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Fifth Third Bancorp cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$651M in Q3 2026 · $2.8B over twelve months

Operating cash flow$835M
Capital spending−$184M
Free cash flow+$651M
Cash / net income1.0×

Analysis

In Q3 2026, Fifth Third Bancorp generated $835M of operating cash flow and spent $184M on capital projects, leaving free cash flow of $651M. That is $235M less than in Q3 2025 ($886M).

Over the twelve months to Sep 30, 2026, operating cash flow was $3.5B; the largest uses were net borrowing (+) / repaid (−) ($6.2B), other investing ($1.8B), dividends ($1.4B); besides operations, cash came from other financing ($7.7B), asset & business sales ($3.0M); the cash balance rose by $1.2B.

Operating cash flow was $835M against net income of $866M — 1.0× profit, roughly in line with earnings. The largest differences: other liabilities −$511M, prepaid and other assets −$328M, depreciation & amortization +$183M.

Free cash flow

Fifth Third Bancorp: free cash flow by quarterFifth Third Bancorp: free cash flow by quarter−$246MQ4 2024$1.1BQ1 2025$1.2BQ2 2025$886MQ3 2025$765MQ4 2025−$1.3BQ1 2026$2.6BQ2 2026$651MQ3 2026
Operating cash flow less capital spending.
Fifth Third Bancorp: operating cash flow against capital spendingFifth Third Bancorp: operating cash flow against capital spendingOperating cash flowCapital spending−$101M$145MQ4 2024$1.2B$117MQ1 2025$1.3B$143MQ2 2025$1.0B$160MQ3 2025$929M$164MQ4 2025−$1.1B$146MQ1 2026$2.8B$174MQ2 2026$835M$184MQ3 2026
Latest (Q3 2026): Operating cash flow $835M, Capital spending $184M.

Capital allocation, year by year

Fifth Third Bancorp: where the cash came from (up) and went (down), by fiscal yearFifth Third Bancorp: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingAcquisitionsBuybacksDividendsFY2021: Operating cash flow $2.7BFY2021: Net borrowing −$3.1BFY2021: Shares issued $6.0MFY2021: Asset sales $19.0MFY2021: Capital spending −$309MFY2021: Acquisitions −$297MFY2021: Buybacks −$1.4BFY2021: Dividends −$897M$2.7BFY2021FY2022: Operating cash flow $6.4BFY2022: Net borrowing $6.5BFY2022: Shares issued $1.0MFY2022: Asset sales $68.0MFY2022: Capital spending −$348MFY2022: Acquisitions −$917MFY2022: Buybacks −$100MFY2022: Dividends −$927M$13.0BFY2022FY2023: Operating cash flow $4.5BFY2023: Net borrowing $813MFY2023: Shares issued $1.0MFY2023: Asset sales $7.0MFY2023: Capital spending −$491MFY2023: Buybacks −$200MFY2023: Dividends −$1.1B$5.3BFY2023FY2024: Operating cash flow $2.8BFY2024: Net borrowing −$451MFY2024: Shares issued $2.0MFY2024: Asset sales $30.0MFY2024: Capital spending −$414MFY2024: Buybacks −$625MFY2024: Dividends −$1.2B$2.9BFY2024FY2025: Operating cash flow $4.5BFY2025: Net borrowing −$4.7BFY2025: Shares issued $1.0MFY2025: Capital spending −$584MFY2025: Acquisitions −$36.0MFY2025: Buybacks −$525MFY2025: Dividends −$1.2B$4.5BFY2025
Over these 5 years operating cash flow totalled $21.0B; the largest uses were net borrowing ($8.2B) and dividends ($5.2B). Cash-flow statements as filed.

Where the cash came from and went

Fifth Third Bancorp: sources (+) and uses (−) of cash, Q3 2026Fifth Third Bancorp: sources (+) and uses (−) of cash, Q3 2026Other financing$4.9BNet borrowing (+) / repaid (−)−$3.5BOther investing−$1.9BOperating cash flow$835MDividends−$403MCash drawn (+) / kept (−)$288MCapital spending−$184M
Fifth Third Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Fifth Third Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Other financing$7.7BNet borrowing (+) / repaid (−)−$6.2BOperating cash flow$3.5BOther investing−$1.8BDividends−$1.4BCash drawn (+) / kept (−)−$1.2BCapital spending−$668MAsset & business sales$3.0M

From profit to cash

Fifth Third Bancorp: net income to operating cash flow, Q3 2026Fifth Third Bancorp: net income to operating cash flow, Q3 2026Net income$866MDepreciation & amortization$183MStock-based pay$38.0MDeferred taxes$3.0MGains on investments$7.0MPrepaid and other assets−$328MOther liabilities−$511MOperating cash flow$835M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q3 2026$835M−$184M—−$403M−$3.5B$288M$651M
Q2 2026$2.8B−$174M—−$402M$2.8B−$290M$2.6B
Q1 2026−$1.1B−$146M—−$308M$108M−$585M−$1.3B
Q4 2025$929M−$164M—−$297M−$4.5B−$598M$765M
Q3 2025$1.0B−$160M−$300M−$285M$835M$71.0M$886M
Q2 2025$1.3B−$143M—−$284M−$2.2B$37.0M$1.2B
Q1 2025$1.2B−$117M−$225M−$297M$1.1B$5.0M$1.1B
Q4 2024−$101M−$145M−$300M−$289M$989M$201M−$246M

Fifth Third Bancorp: income statement and cash flow

Fifth Third Bancorp, Q3 2026: revenue $3.3B (+42% year over year), operating margin 33.8%. The chart follows the revenue to costs, profit and cash.

Fifth Third Bancorp: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.