Truist Financial (TFC)
Financials · $58.8B market cap · SEC CIK 0000092230
fundamentals score out of 100
Next reports on Oct 16, 2026, with analysts expecting $1.13 in earnings per share.
The case for TFC
- Cheap on earnings at 10.1×, well under the market's usual 20×.
- 24% of revenue drops through to net profit.
- Trades at 0.95× book value, below what the balance sheet says it owns.
- Pays a 6.5% dividend while you wait.
- A PEG of 0.60: a P/E of 10.1× is low for EPS growing 17%.
- Has compounded revenue at 17.7% a year over five years.
The case against
- Weakest against its peers: return on equity of 9% is lower than 83% of Financials companies.
- Its weakest area is the price trend (52/100): +6.5% over a year, +1.4% over three months, 47% of the way up its 52-week range.
What the score is made of
Each factor is half a curve over reported figures and half a rank among the other Financials companies (momentum is judged against fixed thresholds only), and the five are blended by weight. It describes the last filing and the current price. It is not a forecast.
| Valuewhat you pay for the earnings, sales, assets and cash | 87 |
|---|---|
| Growthhow fast revenue and earnings are moving, this year and over five | 77 |
| Profitabilityhow much of the revenue becomes profit, and how much of that is cash | 54 |
| Momentumhow the price has behaved lately | 52 |
| Stabilityhow violently it moves, what it owes and what it pays you | 71 |
- Its one-year revenue change (+58%) is far out of line with its five-year trend (+18% a year). In the Financials sector that is usually interest income swinging with rates rather than growth, so only the five-year figure is used.
- Its debt and cash flow are not scored, as for every company in the Financials sector: for banks, insurers and brokers, borrowing is the business.
- Each factor except momentum is half fixed thresholds, half rank among the 74 Financials companies.
Key numbers
| Price / earnings | 10.1× |
|---|---|
| Price / book | 0.95× |
| Price / sales | 1.8× |
| Revenue growth (YoY) | +58.2% (not used: out of line with the five-year +17.7% a year) |
| EPS growth (YoY) | +16.6% |
| Gross margin | — |
| Operating margin | 29% |
| Net margin | 24% |
| Return on equity | 9% |
| Debt / equity | 0.93× |
| Current ratio | n/a |
| Dividend yield | 6.54% |
| Beta | 0.90 |
| 52-week range | $40.78 – $56.20 |
| Position in that range | 47% of the way up |
| 3-month return | +1.4% |
| 1-year return | +6.5% |
Five years of financials, as filed
Pulled from Truist Financial's XBRL filings on SEC EDGAR. Italic rows are derived from the rows above.
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|
| Operating cash flow | $5.7B | $2.2B | $8.6B | $11.1B | $7.9B |
| Capital expenditure | — | — | — | $564M | $442M |
| Total assets | $548B | $531B | $535B | $555B | $541B |
| Total liabilities | $482B | $467B | $476B | $495B | $472B |
| Shareholder equity | $65.2B | $63.7B | — | — | — |
| Cash | $36.4B | $39.8B | $30.6B | $21.4B | $20.3B |
| Long-term debt | $42.0B | $35.0B | $38.9B | $43.2B | $35.9B |
| Free cash flow | — | — | — | $10.5B | $7.5B |
| Diluted shares | 1.3B | 1.3B | 1.3B | 1.3B | 1.3B |
Share count is down 3.5% over 4 years. Buybacks have been shrinking the pie.
What Truist Financial says it does
" for additional details related to the FDIC’s special assessment. Geopolitical conditions, the outbreak or escalation of hostilities, acts or threats of terrorism, and related volatility and instability in global economic and market conditions could adversely affect us. Instability in global economic conditions and geopolitical matters, as well as volatility in financial markets, could have an adverse effect on the Company’s results of operations, financial condition, business, and prospects. In addition, disruptions in foreign relations of the U.S. could adversely affect industries and markets on which our business depends. The macroeconomic environment in the U.S. is susceptible to geopolitical events and volatility in financial markets. For example, trade and other negotiations between the U.S. and other nations remain uncertain and could adversely impact economic and market conditions for the Company and its clients,…
Risk factors TFC lists in its 10-K
- As of / for the Year Ended December 31,
- Table 7: Taxable-Equivalent Net Interest Income and Rate / Volume Analysis
- Year Ended December 31, (Dollars in millions)
- Table 10: Net Income from Continuing Operations by Reportable Segment
- Consumer and Small Business Banking
- Table 11: Composition of Securities Portfolio
- Table 12: Securities Yields by Major Category and Maturity
- December 31, 2025 (Dollars in millions)
- Commercial Loan and Lease Portfolio
- Residential Mortgage Loan Portfolio
- Table 13: Loans and Leases as of Period End
- Table 20: Commercial and Industrial Portfolio Industry and Geography
- Table 21: CRE Portfolio Property Type and Geography
- Table 22: Commercial Construction Portfolio Property Type and Geography