How does Huntington Bancshares (HBAN) make money?

Huntington Bancshares (HBAN) generates revenue primarily from Cards And Payment Processing Revenue, which accounted for 44.2% of total revenue in TTM through Q2 2026. The company reported $14.4B in revenue and converted 16.6% of it into net profit, equivalent to roughly $2.4B in net income — what's left after the cost of revenue, operating expenses, interest, and income taxes.

What is the gross profit margin of Huntington Bancshares (HBAN)?

Huntington Bancshares (HBAN) reported a gross profit margin of 63.7% in TTM through Q2 2026, equivalent to $9.18B in gross profit on $14.4B in revenue. Gross margin measures how much of each dollar of revenue remains after the direct cost of producing or delivering the product — a higher figure typically signals pricing power, scale, or a less capital-intensive business model.

What is the operating profit margin of Huntington Bancshares (HBAN)?

Huntington Bancshares (HBAN) reported an operating profit margin of 20.4% in TTM through Q2 2026, equivalent to $2.93B in operating income. Operating margin captures profitability after research & development, sales & marketing, and general & administrative expenses — but before interest, taxes, and one-off items — and is the cleanest single read on the underlying business's efficiency.

What is the net profit margin of Huntington Bancshares (HBAN)?

Huntington Bancshares (HBAN) reported a net profit margin of 16.6% in TTM through Q2 2026, equivalent to $2.4B in net income. Net margin is the bottom-line share of revenue that survives every expense — operating costs, interest, and income taxes — and is the figure that flows directly into earnings per share.

Is Huntington Bancshares (HBAN) profitable?

Yes. Huntington Bancshares (HBAN) reported $2.4B in net income for TTM through Q2 2026, with a net profit margin of 16.6%. The company earned more from its operations than it paid out in costs, interest, and income taxes, leaving positive earnings on the bottom line.

How much does Huntington Bancshares (HBAN) spend on capital expenditures?

Huntington Bancshares (HBAN) spent $10M on capital expenditures (CapEx) during TTM through Q2 2026, roughly 0.1% of total revenue. CapEx represents long-lived investment in property, equipment, data centres, and other physical infrastructure, and is subtracted from operating cash flow to arrive at free cash flow.

How much free cash flow does Huntington Bancshares (HBAN) generate?

Huntington Bancshares (HBAN) generated $2.96B in free cash flow during TTM through Q2 2026, a free-cash-flow margin of 20.5%. Free cash flow is the cash left after capital expenditures and represents the discretionary pool the company can use to pay dividends, repurchase shares, repay debt, or fund acquisitions without raising external capital.

What is the effective tax rate of Huntington Bancshares (HBAN)?

Huntington Bancshares (HBAN) had an effective tax rate of 17.7% in TTM through Q2 2026. The effective rate is the actual share of pre-tax income paid as income taxes and can differ materially from the statutory rate due to foreign earnings mix, tax credits (such as R&D), share-based compensation deductions, and one-off discrete items.

What are the main business segments of Huntington Bancshares (HBAN)?

Huntington Bancshares (HBAN) reports revenue across 6 reportable product segments, led by Cards And Payment Processing Revenue at 44.2% of total revenue in TTM through Q2 2026. See the revenue-by-segment table on this page for the full breakdown and how each segment feeds into the income-statement waterfall above.

How Huntington Bancshares Makes Money: 2026 Visual Revenue Map

Huntington Bancshares (HBAN) Income Statement Flow — TTM through Q2 2026

Calculated from the four most recent reported quarters, ending June 30, 2026 (reported July 28, 2026).

Huntington Bancshares discloses geographic revenue only in annual filings. to view the full breakdown.

Huntington Bancshares (HBAN) Revenue by Product Segment — TTM through Q2 2026

Aggregated from the four quarterly disclosures behind this TTM. Minor differences vs the company's annual filing can occur if reported segments changed mid-year.

Revenue contribution by product segment for Huntington Bancshares (HBAN), TTM through Q2 2026.
Segment	Revenue (USD)	% of total
Cards And Payment Processing Revenue	$6.37B	44.2%
Trust And Investment Management Services Revenue	$4.22B	29.3%
Service Charges Revenue	$2.58B	17.9%
Insurance Revenue	$772M	5.4%
Other Revenue	$377M	2.6%
Leasing Revenue	$82.8M	0.6%
Total	$14.4B	100%

Cards And Payment Processing Revenue$6.37B
Trust And Investment Management Services Revenue$4.22B
Service Charges Revenue$2.58B
Insurance Revenue$772M
Other Revenue$377M
Leasing Revenue$82.8M
Total$14.4B

Revenue Breakdown — TTM through Q2 2026

In TTM through Q2 2026, Huntington Bancshares (HBAN) reports revenue across 6 reportable product segments; the largest segment was Cards And Payment Processing Revenue at 44.2%, followed by Trust And Investment Management Services Revenue (29.3%) and Service Charges Revenue (17.9%).

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