Northern (NT4) Price & Analysis
NT4 Stock Chart & Stats
- Day’s Range
- EUR 151.65 - EUR 154.05
- 52-Week Range
- EUR 104.00 - EUR 166.65
- Previous Close
- EUR 155.55
- Volume
- 0
- Average Volume (3M)
- 2
- Market Cap
- EUR 27.34B
- Enterprise Value
- EUR 3.58B
- Total Cash (Recent Filing)
- EUR 110.67B
- Total Debt (Recent Filing)
- EUR 15.96B
- Price to Earnings (P/E)
- 13.2
- Beta
- 0.43
- Next Earnings
- Jan 21, 2027
- EPS Estimate
- 2.72
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 1.85%
Bulls Say, Bears Say
Bulls Say
Diversified Fee-based Growth
Northern Trust combines wealth management, asset servicing, asset management and banking, reducing reliance on one revenue stream. Recent organic trust-fee growth across all three businesses and higher servicing and investment-management fees support durable client relationships and recurring fee generation.
Operating Leverage And Profitability
Strong revenue growth alongside disciplined expense expansion shows that Northern Trust can convert incremental business activity into faster pre-tax income growth. Sustained efficiency gains, healthy margins and improving earnings provide capacity to reinvest while supporting profitability through the next several quarters.
Capital Strength And Technology Investment
A 12.4% common equity tier one ratio provides a substantial capital foundation for client growth, investment and shareholder returns. At the same time, AI-enabled processing and workflow tools can improve scalability, operating efficiency and service quality across the platform over time.
Bears Say
Elevated Leverage
Leverage remains high relative to Northern Trust’s profile despite improving from the 2023 peak. This can reduce financial flexibility if profitability or market conditions weaken, while debt obligations and funding needs may constrain the capital available for growth, acquisitions or shareholder distributions.
Volatile Cash Conversion
Positive TTM free cash flow is supportive, but the sharp swings in operating cash flow show that earnings do not consistently translate into cash at a predictable rate. Lumpy conversion can complicate capital planning and make internally funded investment, distributions and balance-sheet strengthening less dependable.
Market And Rate Sensitivity
Northern Trust’s fee businesses depend partly on client assets, transaction activity and capital-markets conditions, while banking earnings depend on deposits and interest rates. These exposures can create uneven revenue and net-interest-income performance when markets, liquidity or client balances become less favorable.
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Northern Stock Smart Score
Company Description
Northern
Northern Trust Corporation, a financial holding company established in 1889 and based in Chicago, Illinois, offers a comprehensive suite of wealth management, asset servicing, asset management, and banking solutions worldwide. Its diverse client base includes corporations, institutions, families, and individual investors. The company structures its operations across two primary segments: Asset Servicing and Wealth Management. The Asset Servicing division delivers a broad spectrum of support and operational services tailored for institutional entities. These services include custody, fund administration, outsourced investment operations, investment management, investment risk and analytical reporting, employee benefit services, securities lending, foreign exchange, treasury management, brokerage, transition management, and banking and cash management solutions. This segment serves corporate and public retirement funds, charitable foundations, endowments, investment managers, insurance companies, sovereign wealth funds, and other major institutional investors. Conversely, the Wealth Management segment is dedicated to high-net-worth individuals, families, business owners, executives, professionals, retirees, and established privately held businesses. Its offerings span trust administration, investment management, custody, philanthropic advisory, financial consulting, guardianship and estate administration, family business consulting, family financial education, brokerage services, and private and business banking. Furthermore, Northern Trust provides extensive asset management capabilities, encompassing active and passive strategies for both equity and fixed income, cash management, and alternative asset classes like private equity and hedge funds of funds. These investment products are delivered via diverse vehicles, including individually managed accounts, bank common and collective funds, registered investment companies, exchange-traded funds, non-U.S. collective investment funds, and unregistered private investment funds. The corporation also offers sophisticated overlay and other risk management services.
- Sector
- Financial
- Industry
- Asset Management
- CEO
- Michael Gerard O'Grady
- Employees
- 23,800
- Website
- www.northerntrust.com
- Address
- 50 South La Salle Street, Chicago, IL, 60603, US
Northern (NT4) Earnings & Revenues
NT4 Company Deck
NT4 Earnings Call
Earnings Call SentimentPositive
The call was strongly positive. Northern Trust reported substantial year-over-year growth in revenue, earnings, EPS, operating leverage, margins, and shareholder returns, while all three businesses generated organic trust-fee growth and the company highlighted progress in AI, digital assets, wealth management, asset servicing, and asset management. The main challenges were sequential declines in deposits and net interest income, lower transaction activity, pricing compression, a reserve build, market-related fee pressure, and a planned CFO transition, but management characterized credit quality and capital as strong and provided positive fourth-quarter revenue and net-interest-income guidance.
View all DE:NT4 earnings summariesNT4 Net sales Breakdown
- 70.18% Noninterest income
- 29.82% Net interest income
NT4 Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 9 | 4 | 9 |
| Technical Analysis | 2 | 4 | 4 |
| Moving Averages | 7 | 0 | 5 |