A Business at a Glance
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Truist Financial Corporation is a purpose-driven financial services company committed to inspiring and building better lives and communities. Headquartered in Charlotte, North Carolina, Truist has leading market share in many of the high-growth markets in the U.S. and offers a wide range of products and services through its WB and CSBB operating segments, including consumer and small business banking, commercial and corporate banking, investment banking and capital markets, wealth management, payments, and specialized lending businesses. Refer to the “Segment Results” section in MD&A and “Note 21. Operating Segments” for additional information on the Company’s reportable segments. Truist Bank, the largest subsidiary of Truist Financial Corporation, was chartered in 1872 and is the oldest bank headquartered in North Carolina. Truist Bank is one of the 10 largest commercial banks in the U.S.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 30.4B | 30.4B | 24.3B | 29.9B | 25.4B | 23.1B |
| Net Income | 5.0B | 5.0B | 4.5B | -1.5B | 5.9B | 6.0B |
| EPS | $3.82 | $3.82 | $3.36 | $-1.09 | $4.43 | $4.47 |
| Free Cash Flow | 5.7B | 5.7B | 2.2B | 8.6B | 10.5B | 7.5B |
| ROIC | 5.3% | 4.8% | 4.5% | -1.5% | 5.7% | 5.7% |
| Gross Margin | 70.6% | 70.6% | 59.9% | 71.5% | 87.8% | 93.1% |
| Debt/Equity | 1.07 | 1.07 | 1.01 | 1.08 | 1.10 | 0.59 |
| Dividends/Share | $2.05 | $2.08 | $2.08 | $2.08 | $2.00 | $1.86 |
| Operating Income | 6.3B | 6.3B | -601M | -765M | 7.7B | 8.0B |
| Operating Margin | 20.9% | 20.9% | -2.5% | -2.6% | 30.2% | 34.7% |
| ROE | 7.6% | 7.7% | 7.0% | -2.5% | 9.8% | 8.7% |
| Shares Outstanding | 1,302M | 1,302M | 1,330M | 1,332M | 1,338M | 1,350M |
TRUIST FINANCIAL CORP passes 4 of 9 quality checks, suggesting mixed fundamentals.
TRUIST FINANCIAL CORP trades at 13.1x trailing earnings, compared to its 15-year median P/E of 11.7x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 11.3x vs a median of 8.0x. The company's 5-year average ROIC is 3.9% with a gross margin of 76.6%. Total shareholder yield (dividends + buybacks) is 7.9%. At current prices, the estimated annualized return to fair value is +1.5%.
TRUIST FINANCIAL CORP (TFC) has a current P/E ratio of 13.1, compared to its historical median P/E of 11.7. The stock is currently considered Fair based on its historical valuation range.
TRUIST FINANCIAL CORP (TFC) has a 5-year average return on invested capital (ROIC) of 3.9%. This is below average and may indicate limited pricing power.
TRUIST FINANCIAL CORP (TFC) has a market capitalization of $65.1B. It is classified as a large-cap stock.
Yes, TRUIST FINANCIAL CORP (TFC) pays a dividend with a trailing twelve-month yield of 4.10%. The company also returns capital through share buybacks, with a buyback yield of 3.84%.
Based on historical P/E analysis, TRUIST FINANCIAL CORP (TFC) appears fair. The current P/E of 13.1 is 12% above its historical median of 11.7. The estimated fair value CAGR (P/E method) is -11.1%.
TRUIST FINANCIAL CORP (TFC) operates in the National Commercial Banks industry, within the Financials sector.
TRUIST FINANCIAL CORP (TFC) reported annual revenue of $30.4 billion in its most recent fiscal year, based on SEC EDGAR filings.
TRUIST FINANCIAL CORP (TFC) has a net profit margin of 16.3%. This is a healthy margin.
TRUIST FINANCIAL CORP (TFC) generated $5.7 billion in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
TRUIST FINANCIAL CORP (TFC) has a debt-to-equity ratio of 1.07. This indicates moderate leverage.
TRUIST FINANCIAL CORP (TFC) reported earnings per share (EPS) of $3.82 in its most recent fiscal year.
TRUIST FINANCIAL CORP (TFC) has a return on equity (ROE) of 7.7%. This indicates moderate shareholder returns.
TRUIST FINANCIAL CORP (TFC) has a 5-year average gross margin of 76.6%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 19 years of financial data for TRUIST FINANCIAL CORP (TFC), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
TRUIST FINANCIAL CORP (TFC) has a book value per share of $50.06, based on its most recent annual SEC filing.