Mulya.ai
Ticker
HBAN
Scenario
Key Inputs
Revenue est.?Analysttaper yr3
OP margin est.?Analyst
Reinvestment est.?projected
R&D capitalizedNo
Leases factoredNo
Key Assumptions
WACC ?10.8%
ERP ?4.5%
Risk-free rate ?4.1%
Beta (blended) ?0.967
Beta (levered) ?1.602
Terminal OM% ?25.1%
Segment conc. ?44% dominant
Terminal growth ?4.1%
Bond rating ?CCC · 6.00%
ROIC option ?Opt 4 · 20.7%
Prob of failure ?0.0%
Pipeline validated · 2026-05-17

HBAN · Huntington Bancshares Incorporated

$15.792026-05-17
Sector: Financial Services; Industry: Banks - Regional; Sub-Industry: Regional Banks

Intrinsic Value Range Comparison · Mulya.ai

Bull
$55
+248.8% vs market
Base · active
$39
+149.1% vs market
Bear
$34
+117.7% vs market
Mulya.ai vs Analyst IV Comparison?
Market $16
Median $21
Bear $34
Base $39
Bull $55
Market Price $16
Mulya.ai Base $39
Analysts Median $21
Mulya.ai IV range ($34 · $55)
Analysts Range ($16 · $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
2021.Q4$6.1B26.2%18.5%$1.3B−$121MM$1.2B7.2%6.3%$20.5B$0.82
2022.Q4$8.0B30.8%34.8%18.6%$2.2B$840MM$3.1B8.3%10.6%$22.0B$1.43
2023.Q4$10.8B35.6%22.1%17.3%$2.0B$319MM$2.3B8.0%9.7%$18.7B$1.24
2024.Q4$12.0B11.0%20.1%18.4%$2.0B−$781MM$1.2B8.7%10.4%$19.1B$1.24
2025.Q4$12.5B4.4%21.5%17.1%$2.2B$1.6B$3.8B8.6%13.1%$14.9B$1.419.2
italics below = DCF projection · 10yr Rev CAGR: 5%
2026.Q4$11.4B+-8.6%32.6%17.4%$3.1B$0MM$3.1B10.6%$2.8B20.6%$14.9B$1.968.1
2027.Q4$12.4B+9.1%37.6%17.7%$3.9B−$440MM$3.4B10.4%$2.8B25.5%$15.3B$2.456.4
2028.Q4$13.5B+8.5%37.6%17.9%$4.2B−$494MM$3.7B10.2%$2.7B26.7%$15.8B$2.656.0
2029.Q4$14.6B+7.8%37.6%18.3%$4.5B−$555MM$3.9B10.0%$2.7B27.8%$16.4B$2.855.5
2030.Q4$15.6B+7.2%37.6%18.5%$4.8B−$625MM$4.2B9.8%$2.6B28.6%$17.0B$3.055.2
Term. Yr+$21.1B4.1%25.1%20.0%$4.2B−$840MM$3.4B8.6%$30.0B20.7%
Active scenario IV: $39 (+149.1% vs market)