What is TFC-PI's earnings per share (EPS)?

TFC-PI (TFC-PI) reported diluted earnings per share of $3.82 for fiscal year 2025. This represents a 13.7% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

TFC-PI Financials

TFC-PI

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows TFC-PI (TFC-PI) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 19 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI TFC-PI FY2025 2026-04-22

Thin asset returns on a very large balance sheet are the core engine turning modest spreads into meaningful equity earnings.

In FY2025, 0.97% return on assets translated into 8.1% return on equity, showing how this business converts a slim yield on assets into acceptable shareholder earnings through leverage. The quality of that recovery improved too: operating cash flow rose to $5.7B from $2.2B in FY2024, so profit and cash moved back into closer alignment after a weaker cash-conversion year.

The business is still operating with a higher funding-cost regime: interest expense stayed above $10.1B in FY2025 versus $2.3B in FY2022. Even so, net income moved from -$1.0B in FY2023 to $5.3B in FY2025, implying the earnings engine recovered without a return to the cheaper pre-FY2023 funding structure.

The capital posture looks balanced rather than flush: cash ended FY2025 at $36.4B, against $42.0B of long-term debt. Financing cash flow also turned positive at $8.6B while dividends continued at $2.7B, which suggests capital returns were supported partly by renewed balance-sheet funding and not solely by internally generated cash.

Financial Health Signals

Financial Profile 24/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of TFC-PI's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Growth

TFC-PI's revenue declined 2.1% year-over-year, from $25.1B to $24.5B. This contraction results in a growth score of 34/100.

Leverage

TFC-PI carries a low D/E ratio of 0.64, meaning only $0.64 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 89/100, indicating a strong balance sheet with room for future borrowing.

Returns

TFC-PI generates a 8.1% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 24/100. This is up from 7.6% the prior year.

Piotroski F-Score Neutral

5/9

TFC-PI passes 5 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.08x

For every $1 of reported earnings, TFC-PI generates $1.08 in operating cash flow ($5.7B OCF vs $5.3B net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$24.5B

YoY-2.1%

5Y CAGR+9.6%

10Y CAGR+14.5%

TFC-PI generated $24.5B in revenue in fiscal year 2025. This represents a decrease of 2.1% from the prior year.

EBITDA

N/A

Net Income

$5.3B

YoY+9.6%

5Y CAGR+3.4%

10Y CAGR+9.6%

TFC-PI reported $5.3B in net income in fiscal year 2025. This represents an increase of 9.6% from the prior year.

EPS (Diluted)

$3.82

YoY+13.7%

5Y CAGR+4.4%

10Y CAGR+4.1%

TFC-PI earned $3.82 per diluted share (EPS) in fiscal year 2025. This represents an increase of 13.7% from the prior year.

Cash & Balance Sheet

Free Cash Flow

N/A

Cash & Debt

$36.4B

YoY-8.5%

5Y CAGR+14.0%

10Y CAGR+24.2%

TFC-PI held $36.4B in cash against $42.0B in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

1.25B

YoY-4.3%

5Y CAGR-1.5%

10Y CAGR+4.8%

TFC-PI had 1.25B shares outstanding in fiscal year 2025. This represents a decrease of 4.3% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

21.6%

YoY+2.3pp

5Y CAGR-7.3pp

10Y CAGR-11.9pp

TFC-PI's net profit margin was 21.6% in fiscal year 2025, showing the share of revenue converted to profit. This is up 2.3 percentage points from the prior year.

Return on Equity

8.1%

YoY+0.5pp

5Y CAGR+1.8pp

10Y CAGR+0.4pp

TFC-PI's ROE was 8.1% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.5 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$2.5B

YoY+150.0%

TFC-PI spent $2.5B on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 150.0% from the prior year.

Capital Expenditures

N/A

TFC-PI Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$24.5B-2.1%	$25.1B+2.5%	$24.5B+47.0%	$16.6B+20.8%	$13.8B-11.4%	$15.5B
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$6.8B+4.0%	$6.6B-2.6%	$6.8B+3.2%	$6.6B-6.3%	$7.0B-14.1%	$8.1B
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$10.1B-7.8%	$11.0B+10.5%	$9.9B+327.7%	$2.3B+202.2%	$768.0M-55.4%	$1.7B
Income Tax	$1.0B+287.4%	-$556.0M-175.3%	$738.0M-41.0%	$1.3B-11.2%	$1.4B+43.5%	$981.0M
Net Income	$5.3B+9.6%	$4.8B+562.3%	-$1.0B-116.7%	$6.3B-2.6%	$6.4B+43.3%	$4.5B
EPS (Diluted)	$3.82+13.7%	$3.36+408.3%	$-1.09-124.6%	$4.43-0.9%	$4.47+45.1%	$3.08

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$6.1B-2.7%	$6.3B+2.1%	$6.2B+2.8%	$6.0B-3.1%	$6.2B-2.7%	$6.4B0.0%	$6.4B+2.7%	$6.2B
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$1.9B+9.0%	$1.7B+4.4%	$1.7B+4.2%	$1.6B-4.9%	$1.7B+2.5%	$1.6B-2.0%	$1.7B+1.9%	$1.6B
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$2.4B-9.1%	$2.7B+3.5%	$2.6B+3.5%	$2.5B-4.2%	$2.6B-5.9%	$2.8B-2.6%	$2.8B+0.4%	$2.8B
Income Tax	$210.0M-26.3%	$285.0M+4.4%	$273.0M-0.4%	$274.0M+3.4%	$265.0M-2.2%	$271.0M+120.5%	-$1.3B-670.7%	$232.0M
Net Income	$1.4B-6.7%	$1.5B+17.1%	$1.2B-1.7%	$1.3B-1.2%	$1.3B-11.5%	$1.4B+56.4%	$922.0M-23.2%	$1.2B
EPS (Diluted)	N/A	$1.04+15.6%	$0.90+3.4%	$0.87	N/A	$0.99+59.7%	$0.62-23.5%	$0.81

TFC-PI Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$547.5B+3.1%	$531.2B-0.8%	$535.3B-3.6%	$555.3B+2.6%	$541.2B+6.3%	$509.2B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$36.4B-8.5%	$39.8B+29.8%	$30.6B+43.1%	$21.4B+5.5%	$20.3B+7.6%	$18.9B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$17.1B0.0%	$17.1B-0.2%	$17.2B-26.2%	$23.2B+0.8%	$23.0B-5.7%	$24.4B
Total Liabilities	$482.3B+3.2%	$467.5B-1.8%	$476.1B-3.8%	$494.7B+4.8%	$472.0B+7.7%	$438.3B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$42.0B+20.0%	$35.0B-10.2%	$38.9B-9.9%	$43.2B+20.3%	$35.9B-9.3%	$39.6B
Total Equity	$65.2B+2.4%	$63.7B+7.5%	$59.3B-2.1%	$60.5B-12.6%	$69.3B-2.3%	$70.9B
Retained Earnings	$26.1B+9.6%	$23.8B+7.6%	$22.1B-15.9%	$26.3B+14.2%	$23.0B+18.2%	$19.5B

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$547.5B+0.7%	$543.9B0.0%	$543.8B+1.5%	$535.9B+0.9%	$531.2B+1.5%	$523.4B+0.7%	$519.9B-2.8%	$535.0B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$36.4B-1.3%	$36.9B-11.1%	$41.5B-1.7%	$42.2B+6.0%	$39.8B+0.3%	$39.6B-3.0%	$40.9B+16.8%	$35.0B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$17.1B0.0%	$17.1B0.0%	$17.1B0.0%	$17.1B0.0%	$17.1B0.0%	$17.1B-0.2%	$17.2B0.0%	$17.2B
Total Liabilities	$482.3B+0.9%	$478.2B-0.2%	$479.0B+1.6%	$471.3B+0.8%	$467.5B+2.1%	$457.7B+0.4%	$456.0B-4.2%	$475.9B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$42.0B+0.6%	$41.7B-6.1%	$44.4B+38.7%	$32.0B-8.4%	$35.0B-4.9%	$36.8B+6.2%	$34.6B-11.4%	$39.1B
Total Equity	$65.2B-0.7%	$65.6B+1.2%	$64.8B+0.3%	$64.6B+1.5%	$63.7B-3.1%	$65.7B+2.9%	$63.8B+8.1%	$59.1B
Retained Earnings	$26.1B+2.5%	$25.4B+2.7%	$24.8B+2.1%	$24.3B+2.0%	$23.8B+2.3%	$23.2B+2.9%	$22.6B+0.5%	$22.5B

TFC-PI Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$5.7B+165.2%	$2.2B-74.9%	$8.6B-22.1%	$11.1B+40.4%	$7.9B+6.1%	$7.4B
Capital Expenditures	N/A	N/A	N/A	$564.0M+27.6%	$442.0M-45.8%	$815.0M
Free Cash Flow	N/A	N/A	N/A	$10.5B+41.2%	$7.5B+12.5%	$6.6B
Investing Cash Flow	-$17.8B-195.5%	$18.6B-18.6%	$22.9B+176.3%	-$30.0B+6.5%	-$32.1B+26.6%	-$43.7B
Financing Cash Flow	$8.6B+174.2%	-$11.6B+47.7%	-$22.3B-211.2%	$20.0B-21.8%	$25.6B-28.9%	$36.0B
Dividends Paid	$2.7B-3.5%	$2.8B0.0%	$2.8B+4.3%	$2.7B+6.9%	$2.5B+2.5%	$2.4B
Share Buybacks	$2.5B+150.0%	$1.0B	$0-100.0%	$250.0M-84.5%	$1.6B	$0

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$2.6B+72.5%	$1.5B+63.8%	$914.0M+22.5%	$746.0M-3.7%	$775.0M-49.5%	$1.5B+81.5%	$845.0M+185.4%	-$990.0M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$4.8B-31.8%	-$3.6B+52.8%	-$7.7B-372.4%	-$1.6B+79.5%	-$8.0B-127.8%	-$3.5B-114.5%	$24.1B+309.1%	$5.9B
Financing Cash Flow	$1.7B+170.5%	-$2.5B-140.5%	$6.1B+84.6%	$3.3B-55.0%	$7.3B+914.3%	$721.0M+103.8%	-$19.1B-3239.2%	-$572.0M
Dividends Paid	$658.0M-1.1%	$665.0M-0.7%	$670.0M-1.3%	$679.0M-0.9%	$685.0M-1.4%	$695.0M-0.1%	$696.0M+0.3%	$694.0M
Share Buybacks	$750.0M+50.0%	$500.0M-33.3%	$750.0M+50.0%	$500.0M0.0%	$500.0M0.0%	$500.0M	$0	$0

TFC-PI Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	21.6%+2.3pp	19.3%+23.6pp	-4.3%-42.0pp	37.7%-9.1pp	46.8%+17.9pp	28.9%
Return on Equity	8.1%+0.5pp	7.6%+9.4pp	-1.8%-12.1pp	10.3%+1.1pp	9.3%+3.0pp	6.3%
Return on Assets	1.0%+0.1pp	0.9%+1.1pp	-0.2%-1.3pp	1.1%-0.1pp	1.2%+0.3pp	0.9%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.64+0.1	0.55-0.1	0.66-0.1	0.71+0.2	0.52-0.0	0.56
FCF Margin	N/A	N/A	N/A	63.2%+9.1pp	54.1%+11.5pp	42.6%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	22.1%-1.0pp	23.1%+2.9pp	20.2%-0.9pp	21.1%+0.4pp	20.6%-2.1pp	22.7%+8.2pp	14.5%-4.9pp	19.4%
Return on Equity	2.1%-0.1pp	2.2%+0.3pp	1.9%-0.0pp	1.9%-0.1pp	2.0%-0.2pp	2.2%+0.8pp	1.4%-0.6pp	2.0%
Return on Assets	0.3%-0.0pp	0.3%+0.0pp	0.2%0.0pp	0.2%0.0pp	0.2%-0.0pp	0.3%+0.1pp	0.2%-0.0pp	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.640.0	0.64-0.0	0.69+0.2	0.50-0.1	0.55-0.0	0.56+0.0	0.54-0.1	0.66
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Frequently Asked Questions

What is TFC-PI's annual revenue?

TFC-PI (TFC-PI) reported $24.5B in total revenue for fiscal year 2025. This represents a -2.1% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is TFC-PI's revenue growing?

TFC-PI (TFC-PI) revenue declined by 2.1% year-over-year, from $25.1B to $24.5B in fiscal year 2025.

Is TFC-PI profitable?

Yes, TFC-PI (TFC-PI) reported a net income of $5.3B in fiscal year 2025, with a net profit margin of 21.6%.

How much debt does TFC-PI have?

As of fiscal year 2025, TFC-PI (TFC-PI) had $36.4B in cash and equivalents against $42.0B in long-term debt.

What is TFC-PI's net profit margin?

TFC-PI (TFC-PI) had a net profit margin of 21.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is TFC-PI's return on equity (ROE)?

TFC-PI (TFC-PI) has a return on equity of 8.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is TFC-PI's operating cash flow?

TFC-PI (TFC-PI) generated $5.7B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are TFC-PI's total assets?

TFC-PI (TFC-PI) had $547.5B in total assets as of fiscal year 2025, including both current and long-term assets.

Does TFC-PI buy back shares?

Yes, TFC-PI (TFC-PI) spent $2.5B on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does TFC-PI have outstanding?

TFC-PI (TFC-PI) had 1.25B shares outstanding as of fiscal year 2025.

What is TFC-PI's debt-to-equity ratio?

TFC-PI (TFC-PI) had a debt-to-equity ratio of 0.64 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is TFC-PI's return on assets (ROA)?

TFC-PI (TFC-PI) had a return on assets of 1.0% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is TFC-PI's Piotroski F-Score?

TFC-PI (TFC-PI) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are TFC-PI's earnings high quality?

TFC-PI (TFC-PI) has an earnings quality ratio of 1.08x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is TFC-PI?

TFC-PI (TFC-PI) scores 24 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.