HBAN
HUNTINGTON BANCSHARES INC /MD/
Financials • CIK: 0000049196
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Market Cap
$25.15B
P/E (TTM)
12.0x
Rev Growth (TTM)
+10.7%
Net Margin (TTM)
135.0%
FCF Yield (TTM)
9.8%
FCF Margin (TTM)
158.3%
Cash Flow Health
Free Cash Flow7/8 positive
TTM$2.5B
Q3 '25
$446M-11%
Q2 '25
$500M+9%
FCF Margin
TTM158.3%
Q3 '25105.2%-21%
Sector: 21.9%Top 10%
OCF Margin169.5%
OCF/NI1.26x
CapEx Coverage15.0x
FCF Yield9.8%
FCF Growth (2Y)–
Cash Conversion Cycle
0 days
DSO: 0+DIO: 0−DPO: 0
Capital Allocation & Returns
Balanced
Total Shareholder YieldEst.
Est.3.6%
Div Yield3.6%
+Est. Buyback3.7%
Balancing returns with reinvestment
Dividend & Payout Metrics
Dividend Yield (TTM)3.6%
FCF Payout Ratio36.5%
Free Cash Flow (TTM)$2.5B
Capital Return / FCF41.4%
Est. Dividends Paid (TTM)$902.8M
Estimated: Buyback data estimated from FCF. Actual repurchase data not available for this company.
Shows how management rewards shareholders
Operational Efficiency & Returns
Return on Invested CapitalTTM
-31.6%
P25MedianP75
25th pctl (med: 0.1%)
DuPont BreakdownROIC = Margin × Turn × (1+D/E)
NOPAT Margin
-168.9%
8Q: -179.2%
Asset Turnover
0.01x
8Q: 0.01x
Leverage (1+D/E)
1.01x
D/E: 0.01x
DuPont: -1.3% ≈ -31.6% ROIC
Asset & CapEx Efficiency
Fixed Asset Turn
1.43x
8Q:–
Invested Cap Turn
0.19x
8Q:–
CapEx Intensity
2.1%
8Q:–
CapEx/Depreciation
0.25x
Asset-based ROIC formula
QUARTERLY TRENDS
Last 8 quarters + TTM
| Metric | TTM | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 |
|---|---|---|---|---|---|---|---|---|---|
Revenue | $1.6B | $424.0M↑12.5% | $377.0M↑7.4% | $351.0M↓14.4% | $410.0M↑13.3% | $362.0M↑0.6% | $360.0M↑7.1% | $336.0M↓4.8% | $353.0M |
Operating Income | $-3.2B | $-822.0M↓0.2% | $-820.0M↓2.4% | $-801.0M↓4.3% | $-768.0M↓0.0% | $-768.0M↓1.5% | $-757.0M↑5.5% | $-801.0M↑19.5% | $-995.0M |
Net Income | $2.1B | $602.0M↑18.3% | $509.0M↑1.8% | $500.0M↑0.4% | $498.0M↑3.5% | $481.0M↑9.6% | $439.0M↑14.6% | $383.0M↑78.1% | $215.0M |
Operating Cash Flow | $2.6B | $487.0M↓12.1% | $554.0M↑8.0% | $513.0M↓53.1% | $1.1B↑1986.2% | $-58.0M↓119.5% | $297.0M↓38.4% | $482.0M↓46.3% | $898.0M |
Free Cash Flow | $2.5B | $446.0M↓10.8% | $500.0M↑8.9% | $459.0M↓57.0% | $1.1B↑1167.0% | $-100.0M↓139.2% | $255.0M↓43.3% | $450.0M↓46.3% | $838.0M |
Total Equity | N/A |
Valuation Analysis
Fair Value
Price-to-EarningsTTM
12.0x
Valuation Lenses
Earnings
12.0x
vs – sector
Cash Flow
4.5x
EV/FCF vs –
Growth-Adj
0.3xPEG
Undervalued for growth
Quality-Adj
–P/E per %ROIC
ROIC: -31.6%
Shareholder Returns
Dividend
3.6%
Buyback
–
Total Yield
3.6%
Market Cap$25.15B
EV–
Multi-angle valuation analysis with sector context
Business Quality & Moat
Overall Quality Score
12/100
Below Average
Composite score: Returns (40%) + Consistency (30%) + Earnings Quality (30%)
Returns on Capital
Return on Equity (ROE)Below Avg
10.2%
8Q:–
Return on Invested Capital (ROIC)Below Avg
-31.6%
8Q:–
vs Sector:0.1%
DuPont Analysis (ROIC = NOPAT Margin × Asset Turnover)
NOPAT Margin: -168.9%
Asset Turnover: 0.01x
Earnings Quality
Cash Conversion
1.26x
OCF / Net Income ✓
FCF Consistency
–
Positive quarters
Competitive Moat Indicators
Pricing Power
Gross Margin54.1%
Capital Efficiency
Invested Capital Turnover0.19x
Working Capital
Cash Conversion Cycle0 days
Growth Quality & Momentum
Moderate Growth
Growth Quality Score
61/100
Growth 40%
Margins 30%
FCF 20%
Consistency 10%
Growth Rates
Revenue Growth YoY
10.7%
OpInc Growth YoY
-7.0%
EPS Growth YoY
37.5%
FCF 3Y CAGR
N/A
Margin Quality & Sustainability
Moderate
Profitability Cascade
Gross
54.1%
Operating
-205.6%
Below Avg in sector
Net
135.0%
Margins Unknown
Earnings Quality Signals
SBC / Revenue
—
FCF vs Net Gap
+23.2 pts
FCF: 158.3% | Net: 135.0%
Quality = stability + cash conversion + low dilution
Balance Sheet & Solvency
Fortress
Net Debt / EBITDA
Net Cash
(0.0x)Net Cash: $12.49B
Interest Coverage
–
+Net cash position: $12.49B
Leverage Metrics
Debt-to-Equity
0.01x
Balance sheet risk & solvency analysis