Mulya.ai
Ticker
HBAN
Scenario
Key Inputs
Revenue est.?Analysttaper yr3
OP margin est.?Analyst
Reinvestment est.?avg_lt_ttm
R&D capitalizedNo
Leases factoredNo
Key Assumptions
WACC ?10.5%
ERP ?4.5%
Risk-free rate ?4.1%
Beta (blended) ?0.969
Beta (levered) ?1.493
Terminal OM% ?25.1%
Segment conc. ?44% dominant
Terminal growth ?4.1%
Bond rating ?CCC · 6.00%
ROIC option ?Opt 3 · 11.4%
Prob of failure ?0.0%
Pipeline validated · 2026-07-21

HBAN · Huntington Bancshares Incorporated

$17.792026-07-21
Sector: Financial Services; Industry: Banks - Regional; Sub-Industry: Regional Banks

Intrinsic Value Range Comparison · Mulya.ai

Bull
$39
+118.8% vs market
Base · active
$30
+67.1% vs market
Bear
$28
+60.0% vs market
Mulya.ai vs Analyst IV Comparison?
Market $18
Median $21
Bear $28
Base $30
Bull $39
Market Price $18
Mulya.ai Base $30
Analysts Median $21
Mulya.ai IV range ($28 · $39)
Analysts Range ($18 · $21)
Fundamentals · historical + forward · base
italics = DCF projection
PeriodRevenueRev Gr ?Ops M% ?Tax Rate ?NOPAT ?
Reinvest ?
FCFF ?WACC% ?PV FCFF ?ROIC ?Inv. Cap ?EPS ?P/E
2024.Q1$10.8B22.1%16.6%$2.0B$892MM$2.9B8.9%11.8%$16.9B$1.03
2024.Q4$10.8B0.0%22.1%18.4%$1.9B−$781MM$1.2B8.7%10.8%$19.1B$1.03
2025.Q1$12.0B11.0%20.1%18.8%$2.0B−$899MM$1.1B9.3%10.0%$20.0B$1.02
2025.Q4$12.0B0.0%20.1%17.1%$2.0B$1.6B$3.6B8.6%11.4%$14.9B$1.02
2026.Q1$13.3B10.9%20.2%16.9%$2.2B$3.2B$5.5B9.2%13.4%$18.4B$1.1612.6
italics below = DCF projection · 10yr Rev CAGR: 3.8%
2027.Q1$11.8B+-11.1%32.6%17.2%$3.2B$0MM$3.2B10.3%$2.9B17.4%$18.4B$1.6810.6
2028.Q1$12.6B+7.2%35.2%17.5%$3.7B−$1.2B$2.4B10.2%$2.0B19.4%$19.6B$1.939.2
2029.Q1$13.5B+6.8%39.6%17.8%$4.4B−$1.3B$3.1B10.0%$2.3B21.7%$20.9B$2.317.7
2030.Q1$14.4B+6.4%39.6%18.1%$4.7B−$1.3B$3.3B9.8%$2.3B21.6%$22.2B$2.457.3
2031.Q1$15.2B+6.0%39.6%18.4%$4.9B−$1.4B$3.5B9.7%$2.2B21.4%$23.6B$2.596.9
Term. Yr+$20.1B4.1%25.1%20.0%$4.0B−$1.5B$2.6B8.6%$23.1B11.4%
Active scenario IV: $30 (+67.1% vs market)