HUNTINGTON BANCSHARES INC (HU3.DE) Stock Fundamental Analysis

FRA:HU3 • US4461501045

15.964 EUR
+0.76 (+5.03%)
Last: Feb 5, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

4

Overall HU3 gets a fundamental rating of 4 out of 10. We evaluated HU3 against 110 industry peers in the Banks industry. Both the profitability and financial health of HU3 have multiple concerns. HU3 has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year HU3 was profitable.
  • HU3 had a positive operating cash flow in the past year.
  • Each year in the past 5 years HU3 has been profitable.
  • Of the past 5 years HU3 4 years had a positive operating cash flow.
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

  • HU3 has a Return On Assets (1.00%) which is comparable to the rest of the industry.
  • HU3 has a Return On Equity of 9.48%. This is comparable to the rest of the industry: HU3 outperforms 43.86% of its industry peers.
Industry RankSector Rank
ROA 1%
ROE 9.48%
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

  • HU3 has a better Profit Margin (26.54%) than 69.30% of its industry peers.
  • HU3's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for HU3 so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 26.54%
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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • HU3 does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • HU3 has more shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, HU3 has more shares outstanding
  • The debt/assets ratio for HU3 is higher compared to a year ago.
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

  • HU3 has a debt to FCF ratio of 4.56. This is a neutral value as HU3 would need 4.56 years to pay back of all of its debts.
  • With an excellent Debt to FCF ratio value of 4.56, HU3 belongs to the best of the industry, outperforming 90.35% of the companies in the same industry.
  • A Debt/Equity ratio of 0.59 indicates that HU3 is somewhat dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.59, HU3 is in the better half of the industry, outperforming 79.82% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.59
Debt/FCF 4.56
Altman-Z N/A
ROIC/WACCN/A
WACC14.94%
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

More info and screens

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

6

3. Growth

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.
  • Measured over the past years, HU3 shows a quite strong growth in Earnings Per Share. The EPS has been growing by 15.84% on average per year.
  • The Revenue has grown by 10.71% in the past year. This is quite good.
  • 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

  • Based on estimates for the next years, HU3 will show a small growth in Earnings Per Share. The EPS will grow by 3.38% on average per year.
  • The Revenue is expected to grow by 15.55% on average over the next years. This is quite good.
EPS Next Y12.78%
EPS Next 2Y16.16%
EPS Next 3Y12.72%
EPS Next 5Y3.38%
Revenue Next Year37.27%
Revenue Next 2Y22.08%
Revenue Next 3Y15.55%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2030 2031 2032 2033 0.5 1 1.5 2

More info and screens

Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 12.98, HU3 is valued correctly.
  • Based on the Price/Earnings ratio, HU3 is valued a bit more expensive than the industry average as 71.93% of the companies are valued more cheaply.
  • The average S&P500 Price/Earnings ratio is at 26.99. HU3 is valued rather cheaply when compared to this.
  • HU3 is valuated reasonably with a Price/Forward Earnings ratio of 11.50.
  • HU3's Price/Forward Earnings is on the same level as the industry average.
  • When comparing the Price/Forward Earnings ratio of HU3 to the average of the S&P500 Index (28.06), we can say HU3 is valued rather cheaply.
Industry RankSector Rank
PE 12.98
Fwd PE 11.5
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

  • HU3's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. HU3 is cheaper than 70.18% of the companies in the same industry.
Industry RankSector Rank
P/FCF 13.43
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

4.3 Compensation for Growth

  • HU3's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • HU3's earnings are expected to grow with 12.72% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.02
PEG (5Y)0.82
EPS Next 2Y16.16%
EPS Next 3Y12.72%

More info and screens

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

6

5. Dividend

5.1 Amount

  • HU3 has a Yearly Dividend Yield of 3.58%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 4.33, HU3 has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.85, HU3 pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.58%

5.2 History

  • The dividend of HU3 has a limited annual growth rate of 2.11%.
Dividend Growth(5Y)2.11%
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

  • HU3 pays out 48.51% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • HU3's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP48.51%
EPS Next 2Y16.16%
EPS Next 3Y12.72%
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

More info and screens

Find the best dividend stocksShow peers with best dividend

HUNTINGTON BANCSHARES INC

FRA:HU3 (2/5/2026, 7:00:00 PM)

15.964

+0.76 (+5.03%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-23
Inst Owners86.2%
Inst Owner ChangeN/A
Ins Owners0.9%
Ins Owner ChangeN/A
Market Cap32.40B
Revenue(TTM)8.17B
Net Income(TTM)2.11B
Analysts82.22
Price Target17.46 (9.37%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.58%
Yearly Dividend0.61
Dividend Growth(5Y)2.11%
DP48.51%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
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)2
Avg Revenue beat(4)0.35%
Min Revenue beat(4)-3.12%
Max Revenue beat(4)3.21%
Revenue beat(8)2
Avg Revenue beat(8)-1.09%
Revenue beat(12)3
Avg Revenue beat(12)-0.98%
Revenue beat(16)5
Avg Revenue beat(16)-1%
PT rev (1m)0%
PT rev (3m)42.93%
EPS NQ rev (1m)-1%
EPS NQ rev (3m)N/A
EPS NY rev (1m)-3.15%
EPS NY rev (3m)-0.35%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)4.25%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 12.98
Fwd PE 11.5
P/S 4.84
P/FCF 13.43
P/OCF 12.65
P/B 1.73
P/tB 2.39
EV/EBITDA N/A
EPS(TTM)1.23
EY7.7%
EPS(NY)1.39
Fwd EY8.7%
FCF(TTM)1.19
FCFY7.45%
OCF(TTM)1.26
OCFY7.9%
SpS3.3
BVpS9.24
TBVpS6.67
PEG (NY)1.02
PEG (5Y)0.82
Graham Number15.99
Profitability
Industry RankSector 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)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-Score7
Asset Turnover0.04
Health
Industry RankSector 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
WACC14.94%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)16.8%
EPS 3Y0.23%
EPS 5Y15.84%
EPS Q2Q%8.82%
EPS Next Y12.78%
EPS Next 2Y16.16%
EPS Next 3Y12.72%
EPS Next 5Y3.38%
Revenue 1Y (TTM)10.71%
Revenue growth 3Y4.03%
Revenue growth 5Y11.14%
Sales Q2Q%12.13%
Revenue Next Year37.27%
Revenue Next 2Y22.08%
Revenue Next 3Y15.55%
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 1Y171.8%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y147.19%
OCF growth 3YN/A
OCF growth 5YN/A

HUNTINGTON BANCSHARES INC / HU3.DE 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 12.78% 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 48.51%.