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CompareEarnings: May 31, 2026

Truist Financial Corporation

Exchange: NYSESector: Financial ServicesIndustry: Banks - Regional

Truist Financial Corporation is a purpose-driven financial services company committed to inspiring and building better lives and communities. As a leading U.S. commercial bank, Truist has leading market share in many of the high-growth markets across the country. Truist offers a wide range of products and services through our wholesale and consumer businesses, including consumer and small business banking, commercial banking, corporate and investment banking, insurance, wealth management, payments, and specialized lending businesses. Headquartered in Charlotte, North Carolina, Truist is a top-10 commercial bank with total assets of $535B as of December 31, 2023. Truist Bank, Member FDIC.

Did you know?

Free cash flow has been growing at 28.1% annually.

Current Price

$47.64

+1.02%

GoodMoat Value

$70.41

47.8% undervalued
Profile
Valuation (TTM)
Market Cap$60.94B
P/E12.25
EV$90.81B
P/B0.93
Shares Out1.28B
P/Sales3.31
Revenue$18.43B
EV/EBITDA13.13

Truist Financial Corporation (TFC) Financial Statements

GoodMoat Analysis

Based on data as of March 26, 2026

Truist Financial exhibits a mixed quality profile for a value investor. The company generates strong free cash flow and has a reasonable valuation, but key profitability metrics like ROE are below target thresholds and revenue growth is modest.

Read full analysis
Truist Financial's financial health presents a nuanced picture. On the positive side, the company demonstrates strong free cash flow generation, with a 9.9% FCF yield indicating healthy cash conversion from earnings. The balance sheet shows moderate leverage with a Debt/Equity ratio of 1.07, which is manageable for a bank, and the dividend yield of 4.60% is attractive. However, several quality indicators are neutral or weak. The Return on Invested Capital (ROIC) proxy, ROE at 8.1%, falls significantly below the framework's high-quality threshold of 15-20%. Revenue growth is modest at 3.2% YoY, which does not meet the 'double-digit and sustainable' criterion. While the operating margin of 34.5% is solid, the lack of gross margin data for a bank makes that specific metric less applicable. The growth assessment is unfavourable; the trajectory is low single-digit, not accelerating, and well below the 20% benchmark, indicating limited near-term growth drivers. For a value investor, the appeal lies in the cash flow and yield, but the low returns on capital and tepid growth profile suggest the business quality is adequate at best, not high.

TFC Financial Data

EBITDA$7.19B
Revenue (TTM)$18.43B
Gross Profit (TTM)$18.43B
Gross Margin—
Operating Margin34.46%
ROE8.14%
ROA0.97%
Debt/Equity1.07
Current Ratio—
FCF$5.74B
FCF Yield9.42%
Piotroski F-Score—
Rev/Share (TTM)$14.40
50-Day MA$48.90
200-Day MA$45.87
Shares Outstanding1.28B

TFC Computed Insights

FCF$5.74B
FCF Growth Rate28.15%
EPS Growth (CAGR)28.15%
WACC10.00%

Income Statement

Balance Sheet

Cash Flow Statement

TFC Financial Statements & Data

Truist Financial Corporation (TFC) financial data including income statement, balance sheet, and cash flow statement. This page provides a comprehensive view of Truist Financial Corporation's financial performance and position as a Financial Services company.

Trailing twelve-month (TTM) revenue is $18.43B. Gross profit (TTM) is $18.43B. EBITDA is $7.19B. Earnings per share (EPS) is $3.82. The P/E ratio is 12.25. Market capitalization is $60.94B.

Free cash flow (FCF) is $5.74B. FCF growth rate is 28.15%. EPS growth CAGR is 28.15%. Weighted average cost of capital (WACC) is 10.00%.

Historical revenue data covers 7 years from FY19 to FY25. Net income history spans 7 years. Free cash flow and capital expenditure data spans 7 years. GoodMoat displays interactive charts for revenue, net income, FCF vs CAPEX, and cash-to-debt ratios to help investors identify financial trends.

Use Truist Financial Corporation's financial data to assess the company's earnings quality, balance sheet health, and cash generation. Compare key metrics across periods to identify trends before making investment decisions with GoodMoat's valuation tools.