What is Truist Financial Corporation's earnings per share (EPS)?

Truist Financial Corporation (TFC) 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.

Truist Financial Corporation (TFC) Financials

TFC

Trailing 12 months to June 30, 2026

Revenue $20.9B -1.4% YoY

Net Income $5.8B +11.9% YoY

EPS (Diluted) $4.36 +18.5% YoY

Operating Cash Flow $5.8B +46.1% YoY

Market Cap $57.0B as of Oct 13, 2026

Price / Sales 2.7x on $20.9B revenue, trailing 12 months to June 30, 2026

Price / Earnings 9.8x on $5.8B net income, trailing 12 months to June 30, 2026

Price / Book 0.9x on $64.1B equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 13, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Jul 31, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Jul 31, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the TFC SEC filings page.

Truist Financial Corporation (TFC) reported $20.9B in revenue over the twelve months to Jun 30, 2026, down 1.4% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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 FY2025 2026-10-04

Truist operates as an asset-heavy balance-sheet business: 2025 earnings recovered, but returns remained modest relative to its funding base.

The key mismatch is between a 26.1% net margin and 1.0% ROA in FY2025: substantial profit is spread across a very large asset base. Cash-profit alignment improved sharply, with operating cash flow of $5.7B nearly matching net income of $5.3B, unlike FY2024 when operating cash flow covered less than half of reported net income.

Debt-to-equity rose to 0.6x from 0.5x in FY2024, indicating greater balance-sheet leverage. Total liabilities reached $482.3B while ROA stayed below 1.0%, so returns depend heavily on managing a large funding base rather than simply expanding revenue.

FY2025 included $2.5B of share buybacks alongside a lower year-end share count of 124.9M. Financing cash flow was $8.6B, showing that shareholder distributions coexisted with broader financing inflows rather than reflecting only internally retained cash.

Financial Health Signals

Financial Health Score 29/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Truist Financial Corporation'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.

Earnings

Truist Financial Corporation earned a return on assets of 1.0% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.9% the prior year. Earnings ranks banks on that return over three years, and Truist Financial Corporation scores 35/100 among other banks.

Growth

Truist Financial Corporation reported revenue of $20.3B in fiscal year 2025, against $13.3B in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Truist Financial Corporation scores 20/100 among other banks.

Capital

Truist Financial Corporation funded 11.9% of its assets with shareholders' equity at the end of fiscal year 2025, holding $65.2B of equity against $547.5B of assets. Capital ranks banks on that cushion, and Truist Financial Corporation scores 57/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Truist Financial Corporation scores 21/100 on it among other banks.

Credit Quality

Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. Truist Financial Corporation scores 15/100 on it among other banks.

Stability

Truist Financial Corporation reported net income of $5.3B in fiscal year 2025, against $4.8B in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Truist Financial Corporation scores 27/100 among other banks.

Piotroski F-Score Partial

6/7

Truist Financial Corporation passes 6 of 7 computable financial strength tests (2 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.08x

For every $1 of reported earnings, Truist Financial Corporation 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

$5.3B

YoY+5.6%

QoQ+2.2%

5Y CAGR-1.4%

10Y CAGR+6.7%

Truist Financial Corporation generated $5.3B in revenue in Q2 2026. This represents an increase of 5.6% from the same quarter a year earlier. Against the prior quarter it is up 2.2%.

Net Income

$1.6B

YoY+25.2%

QoQ+4.9%

5Y CAGR-1.3%

10Y CAGR+10.2%

Truist Financial Corporation reported $1.6B in net income in Q2 2026. This represents an increase of 25.2% from the same quarter a year earlier. Against the prior quarter it is up 4.9%.

EPS (Diluted)

$1.23

YoY+36.7%

QoQ+12.8%

5Y CAGR+1.2%

10Y CAGR+6.4%

Truist Financial Corporation earned $1.23 per diluted share (EPS) in Q2 2026. This represents an increase of 36.7% from the same quarter a year earlier. Against the prior quarter it is up 12.8%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Cash & Debt

$39.3B

YoY-5.2%

QoQ+8.5%

5Y CAGR+8.1%

10Y CAGR+31.1%

Truist Financial Corporation held $39.3B in cash against $43.0B in long-term debt as of Q2 2026.

Dividends Per Share

$0.52

YoY0.0%

QoQ0.0%

5Y CAGR+2.9%

10Y CAGR+6.4%

Truist Financial Corporation paid $0.52 per share in dividends in Q2 2026. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

1.22B

YoY-5.3%

QoQ-1.9%

5Y CAGR-1.8%

10Y CAGR+4.1%

Truist Financial Corporation had 1.22B shares outstanding in Q2 2026. This represents a decrease of 5.3% from the same quarter a year earlier. Against the prior quarter it is down 1.9%.

Free Cash Flow

Not reported for Q2 2026.

Margins & Returns

Net Margin

29.5%

YoY+4.6pp

QoQ+0.8pp

5Y change+0.2pp

10Y change+8.1pp

Truist Financial Corporation's net profit margin was 29.5% in Q2 2026, showing the share of revenue converted to profit. This is up 4.6 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.8 percentage points.

Return on Equity

2.4%

YoY+0.5pp

QoQ+0.1pp

5Y change0.0pp

10Y change+0.5pp

Truist Financial Corporation's ROE was 2.4% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.5 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.1 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$1.2B

YoY+60.0%

QoQ+5.8%

Truist Financial Corporation spent $1.2B on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 60.0% from the same quarter a year earlier. Against the prior quarter it is up 5.8%.

R&D Spending

Not reported for Q2 2026.

Capital Expenditures

Not reported for Q2 2026.

TFC Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

TFC quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$20.9B	$20.3B+53.0%	$13.3B-33.7%	$20.0B+0.2%	$20.0B+1.5%	$19.7B-13.4%	$22.7B+80.7%	$12.6B+8.7%	$11.6B+2.1%	$11.3B+4.9%	$10.8B+12.3%	$9.6B+4.1%	$9.2B-4.4%	$9.7B-0.3%	$9.7B+12.3%	$8.6B
SG&A Expenses	$7.1B	$6.8B+4.0%	$6.6B-2.6%	$6.8B+3.2%	$6.6B-6.3%	$7.0B-14.1%	$8.1B+68.5%	$4.8B+12.1%	$4.3B+2.1%	$4.2B+4.9%	$4.0B+16.1%	$3.5B+9.1%	$3.2B-3.4%	$3.3B+5.4%	$3.1B+14.6%	$2.7B
Interest Expense	$9.7B	$10.1B-7.8%	$11.0B+10.5%	$9.9B+327.7%	$2.3B+202.2%	$768.0M-55.4%	$1.7B-17.8%	$2.1B+45.8%	$1.4B+71.4%	$839.0M+12.6%	$745.0M+1.4%	$735.0M-4.3%	$768.0M-13.8%	$891.0M-15.9%	$1.1B-23.1%	$1.4B
Income Tax	$966.0M	$1.0B+287.4%	-$556.0M-175.3%	$738.0M-41.0%	$1.3B-11.2%	$1.4B+43.5%	$981.0M+25.4%	$782.0M-2.6%	$803.0M-11.9%	$911.0M-13.9%	$1.1B+33.2%	$794.0M-13.8%	$921.0M-40.7%	$1.6B+103.3%	$764.0M+158.1%	$296.0M
Net Income	$5.8B	$5.3B+9.6%	$4.8B+562.3%	-$1.0B-116.7%	$6.3B-2.6%	$6.4B+43.3%	$4.5B+38.8%	$3.2B-0.6%	$3.3B+34.9%	$2.4B-1.1%	$2.4B+15.0%	$2.1B-3.8%	$2.2B+27.5%	$1.7B-14.7%	$2.0B+52.3%	$1.3B
EPS (Basic)	N/A	$3.87+15.2%	$3.36+408.3%	-$1.09-124.4%	$4.46-1.1%	$4.51+45.0%	$3.11-17.3%	$3.76-5.1%	$3.96+42.4%	$2.78-1.1%	$2.81+8.5%	$2.59-6.2%	$2.76+24.3%	$2.22-19.0%	$2.74+48.1%	$1.85
EPS (Diluted)	$4.36	$3.82+13.7%	$3.36+408.3%	-$1.09-124.6%	$4.43-0.9%	$4.47+45.1%	$3.08	$3.71-5.1%	$3.91+42.7%	$2.74-1.1%	$2.77+8.2%	$2.56-5.9%	$2.72+24.2%	$2.19-18.9%	$2.70+47.5%	$1.83
Diluted Shares (Avg)	N/A	1.30B-2.1%	1.33B-0.1%	1.33B-0.5%	1.34B-0.8%	1.35B-0.7%	1.36B	815M+4.0%	783M-3.4%	811M-0.5%	815M+7.5%	758M+4.0%	728M+2.0%	714M+0.8%	709M+0.5%	705M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$5.3B+5.6%	$5.2B+5.2%	$5.2B-15.1%	$5.2B+2.0%	$5.0B-21.5%	$4.9B+1.7%	$6.2B+26.6%	$5.1B+4.4%
SG&A Expenses	$1.8B+6.8%	$1.7B+7.7%	$1.8B+10.3%	$1.7B+6.0%	$1.7B+1.0%	$1.6B-1.6%	$1.7B-3.2%	$1.6B-2.5%
Interest Expense	$2.3B-8.6%	$2.3B-9.1%	$2.4B-6.8%	$2.7B-3.4%	$2.6B-9.1%	$2.5B-11.8%	$2.6B-6.7%	$2.8B+3.2%
Income Tax	$262.0M-4.0%	$209.0M-23.7%	$210.0M-20.8%	$285.0M+5.2%	$273.0M+120.6%	$274.0M+18.1%	$265.0M+573.2%	$271.0M+33.5%
Net Income	$1.6B+25.2%	$1.5B+17.4%	$1.4B+6.1%	$1.5B+0.7%	$1.2B+34.5%	$1.3B+5.1%	$1.3B+125.1%	$1.4B+21.9%
EPS (Basic)	$1.24+36.3%	$1.10+25.0%	$1.02+10.9%	$1.05+5.0%	$0.91+46.8%	$0.88+7.3%	$0.92+123.7%	$1.00+25.0%
EPS (Diluted)	$1.23+36.7%	$1.09+25.3%	$1.00+8.7%	$1.04+5.1%	$0.90+45.2%	$0.87+7.4%	$0.92+123.8%	$0.99+23.7%
Diluted Shares (Avg)	1.24B-5.1%	1.27B-4.4%	N/A	1.30B-3.9%	1.31B-2.5%	1.32B-1.7%	N/A	1.35B+0.6%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

TFC Balance Sheet

TFC quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$547.5B+3.1%	$531.2B-0.8%	$535.3B-3.6%	$555.3B+2.6%	$541.2B+6.3%	$509.2B+7.6%	$473.1B+109.6%	$225.7B+1.8%	$221.6B+1.1%	$219.3B+4.4%	$209.9B+12.4%	$186.8B+2.1%	$183.0B-0.8%	$184.5B+5.7%	$174.6B
Cash & Equivalents	$36.4B-8.5%	$39.8B+29.8%	$30.6B+43.1%	$21.4B+5.5%	$20.3B+7.6%	$18.9B-1.0%	$19.1B+396.0%	$3.8B+30.0%	$3.0B-30.9%	$4.3B+2.7%	$4.2B+79.2%	$2.3B+7.4%	$2.2B-28.8%	$3.0B-15.0%	$3.6B
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$17.1B0.0%	$17.1B-0.2%	$17.2B-26.2%	$23.2B+0.8%	$23.0B-5.7%	$24.4B+1.2%	$24.2B+146.0%	$9.8B+2.1%	$9.6B-0.2%	$9.6B+12.8%	$8.5B+24.4%	$6.9B+0.8%	$6.8B+0.1%	$6.8B+11.9%	$6.1B
Total Liabilities	$482.3B+3.2%	$467.5B-1.8%	$476.1B-3.8%	$494.7B+4.8%	$472.0B+7.7%	$438.3B+7.8%	$406.5B+107.9%	$195.5B+1.9%	$191.9B+1.4%	$189.3B+3.7%	$182.6B+12.4%	$162.5B+1.4%	$160.2B-1.9%	$163.3B+3.9%	$157.1B
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-4.2%	$41.3B+74.4%	$23.7B+0.3%	$23.6B+7.7%	$22.0B-7.6%	$23.8B+2.0%	$23.3B+8.5%	$21.5B+12.4%	$19.1B-12.3%	$21.8B
Total Equity	$65.2B+2.4%	$63.7B+7.5%	$59.3B-2.1%	$60.5B-12.6%	$69.3B-2.3%	$70.9B+6.5%	$66.6B+120.6%	$30.2B+1.6%	$29.7B-0.8%	$29.9B+9.5%	$27.3B+12.2%	$24.4B+7.0%	$22.8B+7.5%	$21.2B+21.2%	$17.5B
Retained Earnings	$26.1B+9.6%	$23.8B+7.6%	$22.1B-15.9%	$26.3B+14.2%	$23.0B+18.2%	$19.5B-1.8%	$19.8B+9.3%	$18.1B+11.4%	$16.3B+9.8%	$14.8B+10.0%	$13.5B+9.3%	$12.3B+11.5%	$11.0B+9.0%	$10.1B+15.5%	$8.8B

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$556.0B+2.2%	$549.0B+2.4%	$547.5B+3.1%	$543.9B+3.9%	$543.8B+4.6%	$535.9B+0.2%	$531.2B-0.8%	$523.4B-3.6%
Cash & Equivalents	$39.3B-5.2%	$36.2B-14.2%	$36.4B-8.5%	$36.9B-7.0%	$41.5B+1.4%	$42.2B+20.5%	$39.8B+29.8%	$39.6B+32.9%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$17.1B0.0%	$17.1B0.0%	$17.1B0.0%	$17.1B0.0%	$17.1B-0.2%	$17.1B-0.2%	$17.1B-0.2%	$17.1B-36.5%
Total Liabilities	$491.9B+2.7%	$484.8B+2.9%	$482.3B+3.2%	$478.2B+4.5%	$479.0B+5.0%	$471.3B-1.0%	$467.5B-1.8%	$457.7B-4.8%
Long-Term Debt	$43.0B-3.3%	$41.6B+29.9%	$42.0B+20.0%	$41.7B+13.5%	$44.4B+28.3%	$32.0B-18.0%	$35.0B-10.2%	$36.8B-10.8%
Total Equity	$64.1B-1.1%	$64.2B-0.7%	$65.2B+2.4%	$65.6B-0.1%	$64.8B+1.6%	$64.6B+9.5%	$63.7B+7.5%	$65.7B+5.9%
Retained Earnings	$27.7B+11.8%	$26.8B+10.5%	$26.1B+9.6%	$25.4B+9.4%	$24.8B+9.5%	$24.3B+7.9%	$23.8B+7.6%	$23.2B-16.8%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities.

TFC Cash Flow Statement

TFC quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$5.8B	$5.7B+165.2%	$2.2B-74.9%	$8.6B-22.1%	$11.1B+40.4%	$7.9B+6.1%	$7.4B+389.3%	$1.5B-65.0%	$4.3B-6.2%	$4.6B+48.8%	$3.1B-0.5%	$3.1B-2.5%	$3.2B-39.5%	$5.3B+42.9%	$3.7B-18.6%	$4.6B
Stock-Based Compensation	N/A	$317.0M+8.6%	$292.0M-2.0%	$298.0M+14.2%	$261.0M+0.8%	$259.0M-26.6%	$353.0M+113.9%	$165.0M+17.0%	$141.0M+6.8%	$132.0M+14.8%	$115.0M+8.5%	$106.0M+3.9%	$102.0M+6.3%	$96.0M-1.0%	$97.0M-1.0%	$98.0M
Capital Expenditures	N/A	N/A	N/A	N/A	$564.0M+27.6%	$442.0M-45.8%	$815.0M+263.8%	$224.0M-38.3%	$363.0M	N/A	N/A	N/A	N/A	N/A	$145.0M-35.3%	$224.0M
Free Cash Flow	N/A	N/A	N/A	N/A	$10.5B+41.2%	$7.5B+12.5%	$6.6B+411.0%	$1.3B-67.5%	$4.0B	N/A	N/A	N/A	N/A	N/A	$3.6B-17.8%	$4.3B
Investing Cash Flow	-$13.2B	-$17.8B-195.5%	$18.6B-18.6%	$22.9B+176.3%	-$30.0B+6.5%	-$32.1B+26.6%	-$43.7B-622.9%	$8.3B+268.2%	-$5.0B+8.3%	-$5.4B-454.3%	-$976.0M+47.2%	-$1.8B+53.9%	-$4.0B+4.6%	-$4.2B+40.3%	-$7.0B+60.5%	-$17.8B
Financing Cash Flow	$5.3B	$8.6B+174.2%	-$11.6B+47.7%	-$22.3B-211.2%	$20.0B-21.8%	$25.6B-28.9%	$36.0B+572.9%	$5.4B+256.4%	$1.5B+373.6%	-$549.0M+70.8%	-$1.9B-1909.6%	$104.0M-89.2%	$965.0M+148.9%	-$2.0B-170.6%	$2.8B-81.6%	$15.2B
Dividends Paid	$2.6B	$2.7B-3.5%	$2.8B0.0%	$2.8B+4.3%	$2.7B+6.9%	$2.5B+2.5%	$2.4B+85.2%	$1.3B+8.7%	$1.2B+19.8%	$1.0B+8.6%	$925.0M+17.2%	$789.0M+18.5%	$666.0M-12.9%	$765.0M+44.1%	$531.0M+19.1%	$446.0M
Share Buybacks	$3.6B	$2.5B+150.0%	$1.0B	$0-100.0%	$250.0M-84.5%	$1.6B	$0	$0-100.0%	$1.2B-25.3%	$1.6B+210.2%	$520.0M	$0	N/A	N/A	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$1.0B+13.7%	$679.0M-9.0%	$2.6B+233.2%	$1.5B-2.4%	$914.0M+8.2%	$746.0M+175.4%	$775.0M-67.4%	$1.5B-36.3%
Investing Cash Flow	-$2.9B+62.7%	-$1.9B-18.8%	-$4.8B+39.8%	-$3.6B-4.0%	-$7.7B-131.9%	-$1.6B-127.6%	-$8.0B-259.4%	-$3.5B-141.9%
Financing Cash Flow	$4.9B-18.9%	$1.1B-67.2%	$1.7B-76.3%	-$2.5B-441.3%	$6.1B+131.8%	$3.3B+674.8%	$7.3B+211.5%	$721.0M+106.6%
Dividends Paid	$636.0M-5.1%	$645.0M-5.0%	$658.0M-3.9%	$665.0M-4.3%	$670.0M-3.7%	$679.0M-2.2%	$685.0M-1.2%	$695.0M+0.3%
Share Buybacks	$1.2B+60.0%	$1.1B+126.8%	$750.0M+50.0%	$500.0M0.0%	$750.0M	$500.0M	$500.0M	$500.0M

Not reported in any period shown, so not listed: Depreciation & Amortization, Stock-Based Compensation, Capital Expenditures, Free Cash Flow.

TFC Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

TFC quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	26.1%-10.3pp	36.4%+41.7pp	-5.2%-36.6pp	31.4%-1.3pp	32.7%+12.9pp	19.8%-6.0pp	25.8%-2.4pp	28.2%+6.8pp	21.3%-1.3pp	22.6%+0.5pp	22.1%-1.8pp	23.9%+6.0pp	17.9%-3.0pp	21.0%+5.5pp	15.4%
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%+1.5pp	4.9%-5.9pp	10.8%+2.7pp	8.1%0.0pp	8.2%+0.4pp	7.8%-1.3pp	9.0%+1.5pp	7.6%-2.0pp	9.6%+1.9pp	7.6%
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%+0.2pp	0.7%-0.8pp	1.4%+0.3pp	1.1%0.0pp	1.1%+0.1pp	1.0%-0.2pp	1.2%+0.2pp	0.9%-0.1pp	1.1%+0.3pp	0.8%
Debt-to-Equity	0.64+0.1x	0.55-0.1x	0.66-0.1x	0.71+0.2x	0.520.0x	0.56-0.1x	0.62-0.2x	0.790.0x	0.80+0.1x	0.73-0.1x	0.87-0.1x	0.960.0x	0.940.0x	0.90-0.3x	1.25
Asset Turnover	0.040.0x	0.030.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.030.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.05
FCF Margin	N/A	N/A	N/A	52.7%+14.8pp	37.9%+8.7pp	29.2%+18.9pp	10.3%-24.2pp	34.5%	N/A	N/A	N/A	N/A	N/A	36.9%-13.5pp	50.4%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	29.5%+4.6pp	28.7%+3.0pp	25.8%+5.2pp	28.0%-0.4pp	24.9%+10.3pp	25.7%+0.8pp	20.6%	28.4%+4.1pp
Return on Equity	2.4%+0.5pp	2.3%+0.4pp	2.1%+0.1pp	2.2%0.0pp	1.9%+0.5pp	1.9%-0.1pp	2.0%+10.6pp	2.2%+0.3pp
Return on Assets	0.3%+0.1pp	0.3%0.0pp	0.3%0.0pp	0.3%0.0pp	0.2%+0.1pp	0.2%0.0pp	0.2%+1.2pp	0.3%+0.1pp
Debt-to-Equity	0.670.0x	0.65+0.2x	0.64+0.1x	0.64+0.1x	0.69+0.1x	0.50-0.2x	0.55-0.1x	0.56-0.1x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, FCF Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Truist Financial Corporation TFC	FY2025	$20.3B	$5.3B	26.1%	$57.0B	29/100
U.S. Bancorp USB	FY2025	$28.7B	$7.6B	26.4%	$89.5B	42/100
PNC Financial Services Group PNC	FY2025	$23.1B	$7.0B	30.3%	$88.3B	48/100
Nu Holdings Ltd. NU	FY2025	$15.8B	$2.9B	18.2%	$77.3B	47/100

Where Truist Financial Corporation Ranks

Frequently Asked Questions

What is Truist Financial Corporation's annual revenue?

Truist Financial Corporation (TFC) reported $20.3B in total revenue for fiscal year 2025. This represents a 53.0% 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 Truist Financial Corporation's revenue growing?

Truist Financial Corporation (TFC) revenue grew by 53.0% year-over-year, from $13.3B to $20.3B in fiscal year 2025.

Is Truist Financial Corporation profitable?

Yes, Truist Financial Corporation (TFC) reported a net income of $5.3B in fiscal year 2025, with a net profit margin of 26.1%.

How much debt does Truist Financial Corporation have?

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

What is Truist Financial Corporation's net profit margin?

Truist Financial Corporation (TFC) had a net profit margin of 26.1% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Truist Financial Corporation pay dividends?

Yes, Truist Financial Corporation (TFC) paid $2.08 per share in dividends during fiscal year 2025.

What is Truist Financial Corporation's return on equity (ROE)?

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

What is Truist Financial Corporation's operating cash flow?

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

What are Truist Financial Corporation's total assets?

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

Does Truist Financial Corporation buy back shares?

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

How many shares does Truist Financial Corporation have outstanding?

Truist Financial Corporation (TFC) had 1.25B shares outstanding as of fiscal year 2025.

What is Truist Financial Corporation's debt-to-equity ratio?

Truist Financial Corporation (TFC) 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 Truist Financial Corporation's return on assets (ROA)?

Truist Financial Corporation (TFC) 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 Truist Financial Corporation's P/E ratio?

Truist Financial Corporation (TFC) trades at 9.8x earnings, its market capitalization divided by net income of $5.8B net income, trailing 12 months to June 30, 2026. The market capitalization is $57.0B as of Oct 13, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Truist Financial Corporation's price-to-sales ratio?

Truist Financial Corporation (TFC) trades at 2.7x sales, its market capitalization divided by revenue of $20.9B revenue, trailing 12 months to June 30, 2026. The market capitalization is $57.0B as of Oct 13, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Truist Financial Corporation's Piotroski F-Score?

Truist Financial Corporation (TFC) has a Piotroski F-Score of 6 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 Truist Financial Corporation's earnings high quality?

Truist Financial Corporation (TFC) 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 Truist Financial Corporation?

Truist Financial Corporation (TFC) scores 29 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.