Market cap
$6,418 Mln
Revenue (TTM)
$2,704 Mln
P/E Ratio
10.4
P/B Ratio
0.9
Div. Yield
2.8 %
Key Ratios and Highlights
| Growth Score (%) | Quarterly | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | QoQ | YoY | 1-Year | 3-Years | 5-Years |
| Revenue | 2.02 | -0.78 | 2.60 | 7.60 | 14.63 |
| EBIT | -- | -- | -12.91 | -9.03 | 2.56 |
| Net Profit | 2.78 | 1.91 | 19.90 | 1.96 | 9.94 |
| EPS | 3.49 | 3.83 | 21.47 | 2.25 | 7.71 |
| Book Value | -- | -- | 8.51 | 5.73 | 4.11 |
| Key Ratios (%) | Average | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | 3-Years | 5-Years | TTM | Dec-25 | Dec-24 |
| EBIT-Margin
| 24.22 | 28.95 | 19.52 | 24.84 | 21.61 |
| Net Margin
| -- | -- | 22.46 | -- | -- |
| Return on equity
| 8.16 | 8.12 | 8.92 | 8.66 | 7.53 |
| Return on Capital
| 4.98 | 5.18 | -- | 5.32 | 4.41 |
| Return on Assets
| 1.07 | 1.06 | 1.12 | 1.14 | 0.98 |
| Debt to Equity (x)
| -- | -- | 0.00 | 0.58 | 0.68 |
Profitability
ROCE
--
--
Earning before interest and taxes / (Average net worth + Average total Debt) * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
F.N.B. Corp (FNB)
|
--
|
5.32
|
4.41
|
5.20
|
5.67
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
ROE
8.92
Lower than Peers by 0.99
Profit after tax / Average Net worth * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
F.N.B. Corp (FNB)
|
8.92
|
8.66
|
7.53
|
8.29
|
8.13
|
|
Peer Median
|
9.91
|
--
|
--
|
--
|
--
|
ROA
1.12
Higher than Peers by 0.14
Profit after tax / Average Total assets * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
F.N.B. Corp (FNB)
|
1.12
|
1.14
|
0.98
|
1.08
|
1.05
|
|
Peer Median
|
0.97
|
--
|
--
|
--
|
--
|
EBIT Margin
19.52
Lower than Peers by 1.41
Operating profit (EBIT) / Net Sales * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
F.N.B. Corp (FNB)
|
19.52
|
24.84
|
21.61
|
26.22
|
34.39
|
|
Peer Median
|
20.93
|
--
|
--
|
--
|
--
|
Net Margin
22.46
Higher than Peers by 1.89
Net profit / Total Income (Net sales plus other income) * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
F.N.B. Corp (FNB)
|
22.46
|
20.98
|
18.11
|
21.78
|
27.30
|
|
Peer Median
|
20.58
|
--
|
--
|
--
|
--
|
Cash Profit Margin
--
--
(Net profit + Depreciation) / Gross Sales * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
F.N.B. Corp (FNB)
|
--
|
--
|
--
|
--
|
--
|
|
Peer Median
|
0.00
|
--
|
--
|
--
|
--
|
Revenue Growth
2.60
Lower than Peers by 8.03
Year on year growth in net sales
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
F.N.B. Corp (FNB)
|
2.60
|
0.05
|
0.15
|
0.38
|
0.20
|
|
Peer Median
|
10.62
|
--
|
--
|
--
|
--
|
EBIT Growth
-12.91
Lower than Peers by 2.67
Year on year growth in operating profit (EBIT)
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
F.N.B. Corp (FNB)
|
-12.91
|
20.60
|
-4.97
|
5.61
|
9.94
|
|
Peer Median
|
-10.24
|
--
|
--
|
--
|
--
|
Net Profit Growth
19.90
Higher than Peers by 12.39
Year on year growth in profit after tax
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
F.N.B. Corp (FNB)
|
19.90
|
21.59
|
-4.12
|
10.48
|
8.40
|
|
Peer Median
|
7.51
|
--
|
--
|
--
|
--
|
EPS Growth
21.47
Higher than Peers by 15.42
Year on year growth in earnings per share
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
F.N.B. Corp (FNB)
|
21.47
|
0.23
|
-0.02
|
0.06
|
-0.02
|
|
Peer Median
|
6.04
|
--
|
--
|
--
|
--
|
Book Value Growth
4.61
Lower than Peers by 4.01
Year on year growth in book value per share
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
F.N.B. Corp (FNB)
|
4.61
|
--
|
--
|
--
|
--
|
|
Peer Median
|
8.61
|
--
|
--
|
--
|
--
|
Solvency
Debt to Equity
--
--
Total debt / Net worth
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
F.N.B. Corp (FNB)
|
--
|
0.58
|
0.68
|
0.74
|
0.44
|
|
Peer Median
|
0.19
|
--
|
--
|
--
|
--
|
Short term debt to equity ratio
0.44
--
(Short term borrowings / Net worth)
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
F.N.B. Corp (FNB)
|
0.44
|
0.30
|
0.18
|
0.40
|
0.22
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Current Ratio
0.14
Lower than Peers by 0.15
Current Assets / Current Liabilities and Provisions
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
F.N.B. Corp (FNB)
|
0.14
|
1.01
|
0.16
|
0.15
|
0.15
|
|
Peer Median
|
0.28
|
--
|
--
|
--
|
--
|
Quick Ratio
0.14
Lower than Peers by 0.19
(Current Assets - Inventory) / Current Liabilities and Provisions
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
F.N.B. Corp (FNB)
|
0.14
|
--
|
--
|
0.15
|
0.15
|
|
Peer Median
|
0.33
|
--
|
--
|
--
|
--
|
Interest Coverage
1.83
Higher than Peers by 0.05
Earning before interest and taxes (EBIT) / Interest Expenses
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
F.N.B. Corp (FNB)
|
1.83
|
0.72
|
0.57
|
0.89
|
3.35
|
|
Peer Median
|
1.78
|
--
|
--
|
--
|
--
|
Operating Efficiency
Debtors to sales
--
--
Debtors outstanding / Net Sales * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
F.N.B. Corp (FNB)
|
--
|
1,274.22
|
28.89
|
25.95
|
31.44
|
|
Peer Median
|
6.90
|
--
|
--
|
--
|
--
|
Asset Turnover
0.05
Higher than Peers by 0.00
Sales / Average Total Assets
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
F.N.B. Corp (FNB)
|
0.05
|
0.05
|
0.05
|
0.05
|
0.04
|
|
Peer Median
|
0.05
|
--
|
--
|
--
|
--
|
Receivable days
--
--
Average Debtors / Sales * 365
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
F.N.B. Corp (FNB)
|
--
|
2,377.32
|
93.87
|
88.85
|
111.96
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Inventory Days
--
--
Average Inventory / Sales * 365
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
F.N.B. Corp (FNB)
|
--
|
--
|
-45.41
|
-31.31
|
-2,826.22
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Payable days
--
--
Average Creditors / Cost of goods sold * 365
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
F.N.B. Corp (FNB)
|
--
|
--
|
--
|
17,444.70
|
53,029.83
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Cash Conversion Cycle
--
--
Receivable Days + Inventory Days - Payable Days
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
F.N.B. Corp (FNB)
|
--
|
--
|
--
|
-17,387.16
|
-55,744.10
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Valuation
Price / Earnings
10.45
Lower than Peers by 1.85
Current share price divided by earning per share in the last twelve months
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
F.N.B. Corp (FNB)
|
10.45
|
10.95
|
11.64
|
10.63
|
10.64
|
|
Peer Median
|
12.29
|
--
|
--
|
--
|
--
|
Price / Book Value
0.90
Lower than Peers by 0.36
Current share price divided by book value per share in the latest financial year
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
F.N.B. Corp (FNB)
|
0.90
|
0.92
|
0.86
|
0.85
|
0.83
|
|
Peer Median
|
1.26
|
--
|
--
|
--
|
--
|
Dividend Yield
2.81
Higher than Peers by 0.57
Dividend per share in the past twelve months divided by current share price
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
F.N.B. Corp (FNB)
|
2.81
|
--
|
--
|
--
|
--
|
|
Peer Median
|
2.24
|
--
|
--
|
--
|
--
|
EV/EBITDA
--
--
Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
F.N.B. Corp (FNB)
|
--
|
5.20
|
6.89
|
7.25
|
3.49
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Market Cap
6,418
Higher than Peers by 6,143
Current Share price multiplied by latest total number of shares outstanding
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
F.N.B. Corp (FNB)
|
6,418
|
--
|
--
|
--
|
--
|
|
Peer Median
|
275
|
--
|
--
|
--
|
--
|