B

Huntington Bancshares Incorpora — Earnings Quality Grade B

HBAN · Financial Services

Generally healthy

Revenue
$8.1B
2025
Net Income
$2.2B
2025
Gross Margin
Free Cash Flow
$2.2B
01

Screening Summary

8
Passed
2
Watch
0
Failed
M-Score
02

Financial Trends

Revenue & Net Income ($B)

Margins (%)

03

18-Point Screening

01

Revenue Quality

A1DSO Change

Insufficient data

A2AR vs Revenue Growth

Insufficient data

A3Revenue vs CFFO

Revenue 10.1%, CFFO 35.2%. Cash follows revenue

02

Expense Quality

B1Inventory vs COGS

No material inventory

!
B2CapEx vs Revenue

CapEx growth 86.7% is >2x revenue growth 10.1%

B3SG&A Ratio

Insufficient data

B4Gross Margin

Insufficient data

03

Cash Flow Quality

C1CFFO vs Net Income

CFFO/NI = 1.12. Profits backed by cash

C2Free Cash Flow

FCF $2.2B, FCF/NI = 1.00

C3Accruals Ratio

Accruals ratio = -0.1%. Low accruals

!
C4Cash vs Debt

Cash $14.1B covers 76% of debt $18.5B

04

Balance Sheet Health

D1Goodwill + Intangibles

Goodwill+Intangibles $6.7B = 28% of equity. Manageable

D2Leverage

Insufficient data

D3Soft Asset Growth

Insufficient data

D4Asset Impairment

No write-off data

05

Acquisition Risk

E1Serial Acquirer FCF

FCF after acquisitions positive

E2Goodwill Surge

Goodwill+Intangibles change 8% YoY. Normal

06

Manipulation Score

F1Beneish M-Score

Insufficient data

Altman Z-Score — Not Applicable

Huntington Bancshares Incorpora is a financial company. Z-Score is designed for non-financial companies.

Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-09

Huntington Bancshares Incorpora (HBAN) Earnings Quality Grade B — EarningsGrade