Reading the annual reports…
First time this company is opened: we are analysing its official reports. This can take up to a minute; after that the page loads instantly.
First time this company is opened: we are analysing its official reports. This can take up to a minute; after that the page loads instantly.
HBAN · Nasdaq · United States · National Commercial Banks
In shortHUNTINGTON BANCSHARES INC /MD/ is profitable.
Financial health
Strong
Built from five areas over the last five annual reports. Tap an area to see the figures behind it. Bank or insurer: tests that do not apply to them are left out.
| Operating marginShare of each sale left after running the business, before interest and tax. | – | n/a |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | 141.5% | 100/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | 10.0% | 50/100 |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | 141.8% | n/a |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | 1.00× | n/a |
| Years with positive free cash flow (last 5) | 5 of 5 | n/a |
Weight in the score: 20%
| Profitable years (last 5) | 5 of 5 | 100/100 |
|---|---|---|
| Years of revenue decline (last 5) | 0 of 5 | 100/100 |
| Revenue growth volatility | 9.3% | 76/100 |
| Operating margin volatility | – | n/a |
Weight in the score: 20%
| Revenue growth, 3-year average | 5.8% | 49/100 |
|---|---|---|
| EPS growth, 3-year average | -1.4% | 18/100 |
Weight in the score: 10%
Fiscal year 2025 · change vs prior year
Annual figures as reported. Hover a bar or point for the exact value.
5 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 5 fiscal years from the company's annual reports.
USD millions; negative values in parentheses.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | 1,113 | 1,318 | 1,400 | 1,468 | 1,562 |
| Interest expense | 89 | 696 | 3,477 | – | – |
| Pre-tax income | 1,591 | 2,764 | 2,384 | 2,403 | 2,688 |
| Income tax | 294 | 515 | 413 | 443 | 459 |
| Net income | 1,295 | 2,238 | 1,951 | 1,940 | 2,211 |
| Diluted EPS | $0.90 | $1.45 | $1.24 | $1.22 | $1.39 |
| Diluted shares (millions) | 1,287 | 1,465 | 1,468 | 1,476 | 1,505 |
5 older years available with the 10-year history. Essential plan, from €8.25/month →
Not computed: the model does not apply to banks and insurers.
5/9
Nine yes-or-no tests on profitability, debt, liquidity and efficiency versus the prior year. 7 to 9 is strong, 0 to 3 is weak.
All figures: SEC EDGAR. Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Jun 30, 2026 · Data updated Apr 30, 2026