Canadian Halal Investor.

NASDAQ Shariah screener · October 2026

Is Fifth Third Bancorp (FITB) Halal?

FAIL

Fifth Third Bancorp · NASDAQ: FITB · Financials

The short answer

Fifth Third Bancorp fails the Shariah business-activity gate: it is a conventional bank whose core revenue is interest on loans ($9,903M, 76.55% of gross revenue), and interest-bearing debt of $14,815M is 32.3% of its ~$45.87 billion market cap.

Gate 1 — Business activity: FAIL

Gate 1 — business activity: FAIL. Fifth Third Bancorp, per its FY2025 Form 10-K (year ended December 31, 2025), is the bank holding company for Fifth Third Bank, National Association, headquartered in Cincinnati, Ohio. Its principal businesses are retail banking, commercial banking, investment advisory, and data processing. On February 1, 2026, it closed the $10.9 billion all-stock acquisition of Comerica Incorporated, becoming the 9th-largest US bank with over $300 billion in assets (systems and brand conversion completed September 8, 2026).

This is a conventional interest-based bank: its core business is taking deposits and extending credit, earning interest on loans. Interest-based lending is the business, not an ancillary line. The business fails gate 1.

Gate 2 — Debt and cash: PASS

Gate 2 — interest-bearing debt: PASS, margin-thin (32.3%, ceiling 33%). Per Fifth Third's FY2025 Form 10-K consolidated balance sheet, interest-bearing debt was about $14,815 million at December 31, 2025 (long-term debt $11,105 million, short-term borrowings $2,960 million, current portion of long-term debt $750 million).

$14,815 million against a market capitalization of about $45.87 billion (October 2, 2026; NASDAQ: FITB) is about 32.3% - within the 33% ceiling but margin-thin. Material context: these are pre-Comerica figures; post-merger debt was reported at about $19.5 billion at March 2026. The debt gate should be re-checked on the FY2026 10-K.

Gate 3 — Non-compliant income: FAIL

Gate 3 — non-compliant income: FAIL (76.55%, ceiling 5%). Fifth Third's FY2025 Form 10-K consolidated statement of income reports total interest income of $9,903 million (interest and fees on loans $7,466 million, interest on investments $2,437 million) against gross revenue of $12,938 million.

Interest income is the core business revenue of a bank: about 76.55% of gross revenue - far over the 5% non-compliant income ceiling. Expected for a conventional bank, and reported for the record.

Key figures used

Frequently asked questions

What does Fifth Third Bancorp do?

Fifth Third Bancorp (NASDAQ: FITB) is a US bank holding company headquartered in Cincinnati, Ohio, and the parent of Fifth Third Bank, National Association. Per its FY2025 Form 10-K (year ended December 31, 2025), its principal businesses are retail banking, commercial banking, investment advisory, and data processing. On February 1, 2026 it closed the $10.9 billion all-stock acquisition of Comerica, becoming the 9th-largest US bank with over $300 billion in assets.

Is Fifth Third Bancorp's business Shariah compliant?

No - Fifth Third Bancorp is a conventional bank. Its core business is taking deposits and extending interest-bearing loans: commercial, consumer, and mortgage lending plus related banking services. Interest-based lending is the business, not an ancillary line. Assessed on the filed business description, the business fails this screener's first gate.

How much interest-bearing debt does Fifth Third have?

Fifth Third's FY2025 Form 10-K reports total interest-bearing debt of about $14,815 million (long-term debt $11,105 million, short-term borrowings $2,960 million, current portion $750 million) at December 31, 2025. Against a market capitalization of about $45.87 billion (October 2, 2026), that is about 32.3% - within the 33% ceiling but margin-thin. Note: these are pre-Comerica figures; the company reported post-merger debt of about $19.5 billion at March 2026, so the gate should be re-checked on the FY2026 10-K.

How much interest income does Fifth Third earn?

Fifth Third's FY2025 Form 10-K reports total interest income of $9,903 million (interest and fees on loans $7,466 million plus interest on investments $2,437 million) against gross revenue of $12,938 million - about 76.55%, far over the 5% non-compliant income ceiling. Interest income is the core business revenue of a bank. This gate failure is expected for a conventional bank and is reported for the record.

What do third-party Shariah screeners say about Fifth Third?

Zoya flags FITB as not Shariah-compliant (September 2026, citing the same FY2025 figures), consistent with this page's FAIL. I could not verify a Musaffa rating page for FITB or a ShariaPortfolio rating from public sources. Third-party screeners apply different assumptions and update on different schedules - always check the latest screening before investing.

Sources

Screened 2026-10-02 from published company figures and market data. Figures change; this page is educational, not financial advice and not a religious ruling.

Screened with our two-gate Shariah screening methodology (business-activity gate, then AAOIFI-style financial ratios).