16.9 USD
-0.2 (-1.17%)
16.9 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to HBAN. HBAN was compared to 387 industry peers in the Banks industry. HBAN may be in some trouble as it scores bad on both profitability and health. HBAN has a correct valuation and a medium growth rate. HBAN also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year HBAN was profitable.
In the past year HBAN had a positive cash flow from operations.
In the past 5 years HBAN has always been profitable.
In the past 5 years HBAN always reported a positive cash flow from operatings.
1.2 Ratios
HBAN has a better Return On Assets (1.00%) than 61.24% of its industry peers.
HBAN has a Return On Equity of 9.48%. This is comparable to the rest of the industry: HBAN outperforms 58.40% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1% | ||
| ROE | 9.48% | ||
| ROIC | N/A |
ROA(3y)1%
ROA(5y)0.85%
ROE(3y)10.17%
ROE(5y)8.4%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a decent Profit Margin value of 26.54%, HBAN is doing good in the industry, outperforming 65.12% of the companies in the same industry.
In the last couple of years the Profit Margin of HBAN has declined.
The Operating Margin and Gross Margin are not available for HBAN so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 26.54% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y8.21%
PM growth 5Y-3.17%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
HBAN does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, HBAN has more shares outstanding
HBAN has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, HBAN has a worse debt to assets ratio.
2.2 Solvency
HBAN has a debt to FCF ratio of 4.56. This is a neutral value as HBAN would need 4.56 years to pay back of all of its debts.
HBAN has a Debt to FCF ratio of 4.56. This is in the lower half of the industry: HBAN underperforms 67.18% of its industry peers.
HBAN has a Debt/Equity ratio of 0.59. This is a neutral value indicating HBAN is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.59, HBAN is doing worse than 78.55% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.59 | ||
| Debt/FCF | 4.56 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.85%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
HBAN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 18.18%, which is quite good.
Measured over the past years, HBAN shows a decrease in Earnings Per Share. The EPS has been decreasing by -0.32% on average per year.
Looking at the last year, HBAN shows a quite strong growth in Revenue. The Revenue has grown by 11.24% in the last year.
Measured over the past years, HBAN shows a quite strong growth in Revenue. The Revenue has been growing by 9.61% on average per year.
EPS 1Y (TTM)18.18%
EPS 3Y-1.55%
EPS 5Y-0.32%
EPS Q2Q%24.24%
Revenue 1Y (TTM)11.24%
Revenue growth 3Y7.22%
Revenue growth 5Y9.61%
Sales Q2Q%13.99%
3.2 Future
Based on estimates for the next years, HBAN will show a small growth in Earnings Per Share. The EPS will grow by 5.48% on average per year.
The Revenue is expected to grow by 4.41% on average over the next years.
EPS Next Y18.99%
EPS Next 2Y16.63%
EPS Next 3Y16.21%
EPS Next 5Y5.48%
Revenue Next Year12.14%
Revenue Next 2Y21.57%
Revenue Next 3Y16.14%
Revenue Next 5Y4.41%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 11.82, the valuation of HBAN can be described as reasonable.
HBAN's Price/Earnings is on the same level as the industry average.
When comparing the Price/Earnings ratio of HBAN to the average of the S&P500 Index (26.46), we can say HBAN is valued rather cheaply.
The Price/Forward Earnings ratio is 9.94, which indicates a very decent valuation of HBAN.
The rest of the industry has a similar Price/Forward Earnings ratio as HBAN.
When comparing the Price/Forward Earnings ratio of HBAN to the average of the S&P500 Index (36.10), we can say HBAN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.82 | ||
| Fwd PE | 9.94 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, HBAN is valued a bit cheaper than 71.58% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.28 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as HBAN's earnings are expected to grow with 16.21% in the coming years.
PEG (NY)0.62
PEG (5Y)N/A
EPS Next 2Y16.63%
EPS Next 3Y16.21%
5. Dividend
5.1 Amount
HBAN has a Yearly Dividend Yield of 3.81%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.15, HBAN pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.32, HBAN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.81% |
5.2 History
The dividend of HBAN has a limited annual growth rate of 2.11%.
HBAN has paid a dividend for at least 10 years, which is a reliable track record.
HBAN has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)2.11%
Div Incr Years0
Div Non Decr Years15
5.3 Sustainability
HBAN pays out 48.51% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of HBAN is growing, but earnings are growing more, so the dividend growth is sustainable.
DP48.51%
EPS Next 2Y16.63%
EPS Next 3Y16.21%
16.9
-0.2 (-1.17%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners88.73%
Inst Owner Change7.51%
Ins Owners0.98%
Ins Owner Change-1.05%
Market Cap26.57B
Revenue(TTM)7.95B
Net Income(TTM)2.11B
Analysts82.22
Price Target20.37 (20.53%)
Short Float %5.34%
Short Ratio2.58
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.81% |
Yearly Dividend0.72
Dividend Growth(5Y)2.11%
DP48.51%
Div Incr Years0
Div Non Decr Years15
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)2.38%
Min EPS beat(2)-2.65%
Max EPS beat(2)7.42%
EPS beat(4)3
Avg EPS beat(4)4.58%
Min EPS beat(4)-2.65%
Max EPS beat(4)7.42%
EPS beat(8)7
Avg EPS beat(8)6.4%
EPS beat(12)11
Avg EPS beat(12)5.67%
EPS beat(16)12
Avg EPS beat(16)2.53%
Revenue beat(2)1
Avg Revenue beat(2)0.05%
Min Revenue beat(2)-3.12%
Max Revenue beat(2)3.21%
Revenue beat(4)3
Avg Revenue beat(4)0.72%
Min Revenue beat(4)-3.12%
Max Revenue beat(4)3.21%
Revenue beat(8)3
Avg Revenue beat(8)-0.5%
Revenue beat(12)4
Avg Revenue beat(12)-0.49%
Revenue beat(16)6
Avg Revenue beat(16)-0.63%
PT rev (1m)0.43%
PT rev (3m)2.14%
EPS NQ rev (1m)-1.75%
EPS NQ rev (3m)-1.85%
EPS NY rev (1m)-0.85%
EPS NY rev (3m)1.77%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.76%
Revenue NY rev (1m)0.99%
Revenue NY rev (3m)2.4%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.82 | ||
| Fwd PE | 9.94 | ||
| P/S | 3.34 | ||
| P/FCF | 9.28 | ||
| P/OCF | 8.75 | ||
| P/B | 1.19 | ||
| P/tB | 1.65 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.43
EY8.46%
EPS(NY)1.7
Fwd EY10.06%
FCF(TTM)1.82
FCFY10.77%
OCF(TTM)1.93
OCFY11.43%
SpS5.05
BVpS14.15
TBVpS10.21
PEG (NY)0.62
PEG (5Y)N/A
Graham Number21.34
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1% | ||
| ROE | 9.48% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 26.54% | ||
| GM | N/A | ||
| FCFM | 36.02% |
ROA(3y)1%
ROA(5y)0.85%
ROE(3y)10.17%
ROE(5y)8.4%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y8.21%
PM growth 5Y-3.17%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.59 | ||
| Debt/FCF | 4.56 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 25.07% | ||
| Cap/Sales | 2.21% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 135.7% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC14.85%
ROIC/WACCN/A
Cap/Depr(3y)28.25%
Cap/Depr(5y)36.07%
Cap/Sales(3y)2.26%
Cap/Sales(5y)2.68%
Profit Quality(3y)136.93%
Profit Quality(5y)147.23%
High Growth Momentum
Growth
EPS 1Y (TTM)18.18%
EPS 3Y-1.55%
EPS 5Y-0.32%
EPS Q2Q%24.24%
EPS Next Y18.99%
EPS Next 2Y16.63%
EPS Next 3Y16.21%
EPS Next 5Y5.48%
Revenue 1Y (TTM)11.24%
Revenue growth 3Y7.22%
Revenue growth 5Y9.61%
Sales Q2Q%13.99%
Revenue Next Year12.14%
Revenue Next 2Y21.57%
Revenue Next 3Y16.14%
Revenue Next 5Y4.41%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year43.5%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-4.18%
FCF growth 3Y-2.7%
FCF growth 5Y2.65%
OCF growth 1Y-2.5%
OCF growth 3Y-4.16%
OCF growth 5Y2.89%
HUNTINGTON BANCSHARES INC / HBAN FAQ
What is the ChartMill fundamental rating of HUNTINGTON BANCSHARES INC (HBAN) stock?
ChartMill assigns a fundamental rating of 3 / 10 to HBAN.
What is the valuation status of HUNTINGTON BANCSHARES INC (HBAN) stock?
ChartMill assigns a valuation rating of 6 / 10 to HUNTINGTON BANCSHARES INC (HBAN). This can be considered as Fairly Valued.
What is the profitability of HBAN stock?
HUNTINGTON BANCSHARES INC (HBAN) has a profitability rating of 3 / 10.
What is the expected EPS growth for HUNTINGTON BANCSHARES INC (HBAN) stock?
The Earnings per Share (EPS) of HUNTINGTON BANCSHARES INC (HBAN) is expected to grow by 18.99% in the next year.
Can you provide the dividend sustainability for HBAN stock?
The dividend rating of HUNTINGTON BANCSHARES INC (HBAN) is 7 / 10 and the dividend payout ratio is 48.51%.