Discounted Cash Flow
Huntington Bancshares Inc. /Md/
—
—
Average annual growth rates
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Endpoint CAGR (better for long term trend)
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Projected growth rate
—
—
%
%
Historical inputs (10 fiscal years)
| YEAR | Sales | Net Income | Free Cash Flow | Net Margin | EPS (diluted) |
|---|---|---|---|---|---|
| 2016 | $2.4b | $711.8m | $1.1b | 30.0% | $0.72 |
| 2017 | $3.0b (26.7%) | $1.2b (66.6%) | $1.8b (60.8%) | 39.5% (31.5%) | $1.02 (41.7%) |
| 2018 | $881.0m (-70.7%) | $1.4b (17.5%) | $1.6b (-8.2%) | 158.1% (300.2%) | $1.22 (19.6%) |
| 2019 | $939.0m (6.6%) | $1.4b (1.3%) | $1.5b (-9.2%) | 150.3% (-5.0%) | $1.29 (5.7%) |
| 2020 | $884.0m (-5.9%) | $817.0m (-42.1%) | $1.2b (-17.9%) | 92.4% (-38.5%) | $0.71 (-45.0%) |
| 2021 | $1.9b (113.7%) | $1.3b (58.5%) | $1.8b (50.7%) | 68.6% (-25.8%) | $0.91 (28.2%) |
| 2022 | $2.0b (4.9%) | $2.2b (72.8%) | $3.8b (110.1%) | 113.0% (64.8%) | $1.47 (61.5%) |
| 2023 | $1.9b (-3.0%) | $2.0b (-12.8%) | $2.5b (-34.0%) | 101.6% (-10.1%) | $1.26 (-14.3%) |
| 2024 | $2.0b (6.2%) | $1.9b (-0.6%) | $1.7b (-33.6%) | 95.1% (-6.4%) | $1.24 (-1.6%) |
| 2025 | $2.2b (6.6%) | $2.2b (14.0%) | $2.2b (32.5%) | 101.7% (6.9%) | $1.41 (13.7%) |
Base FCF: — (latest fiscal year)
Discount rate: % —
Terminal growth: —
Projection period: — years
Alt A decline yrs:
Alt B total yrs:
Values abbreviated: b = billions, m = millions, k = thousands.
Projected cash flows
| Year | Projected cash flow | Discount Factor | Present Value |
|---|
PV of projected FCF: —
Terminal FCF: —
Terminal value: —
PV of terminal value: —
Enterprise value (DCF): —
Current price: —
—Alternative DCF Models
| Model | Fair Value | Upside | PV(FCFs) | PV(Terminal) | Total Years |
|---|---|---|---|---|---|
| Standard (10yr→TV) | — | — | — | — | 10 + TV |
| Alt A (Gradual Decline) | — | — | — | — | — |
| Alt B (30yr Hard Stop) | — | — | — | N/A | — |
This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.