HUNTINGTON BANCSHARES INC (HU3.DE) Fundamental Analysis & Valuation

FRA:HU3 • US4461501045

Current stock price

13.102 EUR
-0.78 (-5.63%)
Last:

This HU3.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. HU3.DE Profitability Analysis

1.1 Basic Checks

  • HU3 had positive earnings in the past year.
  • In the past year HU3 had a positive cash flow from operations.
  • Each year in the past 5 years HU3 has been profitable.
  • In the past 5 years HU3 always reported a positive cash flow from operatings.
HU3.DE Yearly Net Income VS EBIT VS OCF VS FCFHU3.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B

1.2 Ratios

  • The Return On Assets of HU3 (0.93%) is better than 60.91% of its industry peers.
  • HU3 has a worse Return On Equity (8.57%) than 60.00% of its industry peers.
Industry RankSector Rank
ROA 0.93%
ROE 8.57%
ROIC N/A
ROA(3y)0.92%
ROA(5y)0.92%
ROE(3y)9.03%
ROE(5y)9.01%
ROIC(3y)N/A
ROIC(5y)N/A
HU3.DE Yearly ROA, ROE, ROICHU3.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • The Profit Margin of HU3 (25.56%) is comparable to the rest of the industry.
  • HU3's Profit Margin has improved in the last couple of years.
  • HU3 does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 25.56%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.45%
PM growth 5Y11.41%
GM growth 3YN/A
GM growth 5YN/A
HU3.DE Yearly Profit, Operating, Gross MarginsHU3.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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3

2. HU3.DE Health Analysis

2.1 Basic Checks

  • HU3 does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, HU3 has more shares outstanding
  • HU3 has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, HU3 has an improved debt to assets ratio.
HU3.DE Yearly Shares OutstandingHU3.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B
HU3.DE Yearly Total Debt VS Total AssetsHU3.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50B 100B 150B 200B

2.2 Solvency

  • The Debt to FCF ratio of HU3 is 5.85, which is a neutral value as it means it would take HU3, 5.85 years of fcf income to pay off all of its debts.
  • HU3 has a Debt to FCF ratio of 5.85. This is amongst the best in the industry. HU3 outperforms 86.36% of its industry peers.
  • HU3 has a Debt/Equity ratio of 0.53. This is a neutral value indicating HU3 is somewhat dependend on debt financing.
  • With an excellent Debt to Equity ratio value of 0.53, HU3 belongs to the best of the industry, outperforming 81.82% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.53
Debt/FCF 5.85
Altman-Z N/A
ROIC/WACCN/A
WACC13.63%
HU3.DE Yearly LT Debt VS Equity VS FCFHU3.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
HU3.DE Yearly Current Assets VS Current LiabilitesHU3.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. HU3.DE Growth Analysis

3.1 Past

  • HU3 shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 16.80%, which is quite good.
  • HU3 shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 15.84% yearly.
  • HU3 shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.71%.
  • Measured over the past years, HU3 shows a quite strong growth in Revenue. The Revenue has been growing by 11.14% on average per year.
EPS 1Y (TTM)16.8%
EPS 3Y0.23%
EPS 5Y15.84%
EPS Q2Q%8.82%
Revenue 1Y (TTM)10.71%
Revenue growth 3Y4.03%
Revenue growth 5Y11.14%
Sales Q2Q%12.13%

3.2 Future

  • The Earnings Per Share is expected to grow by 6.81% on average over the next years.
  • Based on estimates for the next years, HU3 will show a quite strong growth in Revenue. The Revenue will grow by 15.33% on average per year.
EPS Next Y11.28%
EPS Next 2Y15.43%
EPS Next 3Y11.98%
EPS Next 5Y6.81%
Revenue Next Year38.46%
Revenue Next 2Y22.8%
Revenue Next 3Y15.33%
Revenue Next 5YN/A

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 decreasing.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
HU3.DE Yearly Revenue VS EstimatesHU3.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2B 4B 6B 8B 10B
HU3.DE Yearly EPS VS EstimatesHU3.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 0.5 1 1.5 2

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5

4. HU3.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 10.40, which indicates a very decent valuation of HU3.
  • HU3's Price/Earnings is on the same level as the industry average.
  • Compared to an average S&P500 Price/Earnings ratio of 25.50, HU3 is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 9.33, the valuation of HU3 can be described as reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of HU3 indicates a somewhat cheap valuation: HU3 is cheaper than 70.00% of the companies listed in the same industry.
  • HU3's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.67.
Industry RankSector Rank
PE 10.4
Fwd PE 9.33
HU3.DE Price Earnings VS Forward Price EarningsHU3.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • The rest of the industry has a similar Price/Free Cash Flow ratio as HU3.
Industry RankSector Rank
P/FCF 13.94
EV/EBITDA N/A
HU3.DE Per share dataHU3.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

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.
PEG (NY)0.92
PEG (5Y)0.66
EPS Next 2Y15.43%
EPS Next 3Y11.98%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. HU3.DE Dividend Analysis

5.1 Amount

  • HU3 has a Yearly Dividend Yield of 4.09%, which is a nice return.
  • HU3's Dividend Yield is comparable with the industry average which is at 4.75.
  • Compared to an average S&P500 Dividend Yield of 1.89, HU3 pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.09%

5.2 History

  • The dividend of HU3 decreases each year by -0.38%.
Dividend Growth(5Y)-0.38%
Div Incr Years0
Div Non Decr Years0
HU3.DE Yearly Dividends per shareHU3.DE Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2025 2026 0.2 0.4 0.6

5.3 Sustainability

  • 48.68% of the earnings are spent on dividend by HU3. This is a bit on the high side, but may be sustainable.
DP48.68%
EPS Next 2Y15.43%
EPS Next 3Y11.98%
HU3.DE Yearly Income VS Free CF VS DividendHU3.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B
HU3.DE Dividend Payout.HU3.DE Dividend Payout, showing the Payout Ratio.HU3.DE Dividend Payout.PayoutRetained Earnings

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HU3.DE Fundamentals: All Metrics, Ratios and Statistics

HUNTINGTON BANCSHARES INC

FRA:HU3 (3/19/2026, 7:00:00 PM)

13.102

-0.78 (-5.63%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-23
Inst Owners72.48%
Inst Owner ChangeN/A
Ins Owners0.74%
Ins Owner ChangeN/A
Market Cap26.69B
Revenue(TTM)8.17B
Net Income(TTM)2.09B
Analysts82.14
Price Target17.46 (33.26%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.09%
Yearly Dividend0.58
Dividend Growth(5Y)-0.38%
DP48.68%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.37%
Min EPS beat(2)-0.67%
Max EPS beat(2)7.42%
EPS beat(4)2
Avg EPS beat(4)2.7%
Min EPS beat(4)-2.65%
Max EPS beat(4)7.42%
EPS beat(8)6
Avg EPS beat(8)5.09%
EPS beat(12)10
Avg EPS beat(12)5.51%
EPS beat(16)12
Avg EPS beat(16)3.82%
Revenue beat(2)1
Avg Revenue beat(2)0.25%
Min Revenue beat(2)-2.71%
Max Revenue beat(2)3.21%
Revenue beat(4)1
Avg Revenue beat(4)-0.69%
Min Revenue beat(4)-3.12%
Max Revenue beat(4)3.21%
Revenue beat(8)2
Avg Revenue beat(8)-0.86%
Revenue beat(12)3
Avg Revenue beat(12)-1.1%
Revenue beat(16)5
Avg Revenue beat(16)-0.87%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)-3.33%
EPS NQ rev (3m)8.68%
EPS NY rev (1m)-1.33%
EPS NY rev (3m)-3.6%
Revenue NQ rev (1m)0.88%
Revenue NQ rev (3m)6.89%
Revenue NY rev (1m)0.87%
Revenue NY rev (3m)5.99%
Valuation
Industry RankSector Rank
PE 10.4
Fwd PE 9.33
P/S 3.78
P/FCF 13.94
P/OCF 12.44
P/B 1.27
P/tB 1.76
EV/EBITDA N/A
EPS(TTM)1.26
EY9.62%
EPS(NY)1.4
Fwd EY10.72%
FCF(TTM)0.94
FCFY7.17%
OCF(TTM)1.05
OCFY8.04%
SpS3.46
BVpS10.33
TBVpS7.46
PEG (NY)0.92
PEG (5Y)0.66
Graham Number17.11
Profitability
Industry RankSector Rank
ROA 0.93%
ROE 8.57%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.56%
GM N/A
FCFM 27.12%
ROA(3y)0.92%
ROA(5y)0.92%
ROE(3y)9.03%
ROE(5y)9.01%
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 3Y-4.45%
PM growth 5Y11.41%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.53
Debt/FCF 5.85
Debt/EBITDA N/A
Cap/Depr 35.04%
Cap/Sales 3.27%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 106.13%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC13.63%
ROIC/WACCN/A
Cap/Depr(3y)25.19%
Cap/Depr(5y)36.59%
Cap/Sales(3y)2.37%
Cap/Sales(5y)2.84%
Profit Quality(3y)112.5%
Profit Quality(5y)134.87%
High Growth Momentum
Growth
EPS 1Y (TTM)16.8%
EPS 3Y0.23%
EPS 5Y15.84%
EPS Q2Q%8.82%
EPS Next Y11.28%
EPS Next 2Y15.43%
EPS Next 3Y11.98%
EPS Next 5Y6.81%
Revenue 1Y (TTM)10.71%
Revenue growth 3Y4.03%
Revenue growth 5Y11.14%
Sales Q2Q%12.13%
Revenue Next Year38.46%
Revenue Next 2Y22.8%
Revenue Next 3Y15.33%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year26.66%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y32.48%
FCF growth 3Y-16.56%
FCF growth 5Y12.97%
OCF growth 1Y36.75%
OCF growth 3Y-14.9%
OCF growth 5Y13.41%

HUNTINGTON BANCSHARES INC / HU3.DE Fundamental Analysis FAQ

What is the fundamental rating for HU3 stock?

ChartMill assigns a fundamental rating of 4 / 10 to HU3.DE.


Can you provide the valuation status for HUNTINGTON BANCSHARES INC?

ChartMill assigns a valuation rating of 5 / 10 to HUNTINGTON BANCSHARES INC (HU3.DE). This can be considered as Fairly Valued.


What is the profitability of HU3 stock?

HUNTINGTON BANCSHARES INC (HU3.DE) has a profitability rating of 3 / 10.


Can you provide the expected EPS growth for HU3 stock?

The Earnings per Share (EPS) of HUNTINGTON BANCSHARES INC (HU3.DE) is expected to grow by 11.28% in the next year.


How sustainable is the dividend of HUNTINGTON BANCSHARES INC (HU3.DE) stock?

The dividend rating of HUNTINGTON BANCSHARES INC (HU3.DE) is 5 / 10 and the dividend payout ratio is 48.68%.