What is Truist Finl Corp's earnings per share (EPS)?

Truist Finl Corp (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 Finl Corp Financials

TFC

Source SEC Filings (10-K/10-Q) Data as of Mar 31, 2026 Currency USD FYE December

This page shows Truist Finl Corp (TFC) 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 FY2025 2026-05-01

Truist’s earnings are being driven more by funding-cost swings than by balance-sheet expansion on its roughly $540B asset base.

From FY2023 to FY2025, assets stayed near $540B even as ROA moved from loss-making to positive. That profit recovery on a similar-sized balance sheet points to better funding and spread economics rather than expansion; an FY2025 ROE of 8.1% built on only 1.0% ROA shows how leverage magnifies small changes in asset profitability.

FY2025 revenue slipped to $24.5B but net income rose to $5.3B. When profit improves without top-line growth, the business is usually earning more from margin repair inside the funding structure than from a larger operating footprint, which is a different mechanic from simple volume growth.

Cash of $36.4B sat just below long-term debt of $42.0B in FY2025. That is a liquid but not net-cash posture, so flexibility depends on the broader liability structure staying economical, while the separate buyback program can let EPS outpace net income.

Financial Health Signals

Financial Health Score 27/100

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 Finl Corp'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

Growth

Capital

Efficiency

Credit Quality

Stability

Piotroski F-Score Partial

5/7

Truist Finl Corp passes 5 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, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.08x

For every $1 of reported earnings, Truist Finl Corp 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%

Truist Finl Corp 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%

Truist Finl Corp 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%

Truist Finl Corp 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%

Truist Finl Corp 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%

Truist Finl Corp 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

Truist Finl Corp'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

Truist Finl Corp'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%

Truist Finl Corp 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 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	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$5.9B-4.2%	$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
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	$1.7B-7.4%	$1.9B+8.1%	$1.7B+4.4%	$1.7B+3.1%	$1.6B-3.8%	$1.7B+2.5%	$1.6B-2.0%	$1.7B
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$2.3B-6.5%	$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
Income Tax	$209.0M-0.5%	$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
Net Income	$1.5B+9.4%	$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
EPS (Diluted)	$1.09	N/A	$1.04+15.6%	$0.90+3.4%	$0.87	N/A	$0.99+59.7%	$0.62

TFC 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	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$549.0B+0.3%	$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
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$36.2B-0.5%	$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
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%	$17.1B0.0%	$17.1B-0.2%	$17.2B
Total Liabilities	$484.8B+0.5%	$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
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$41.6B-0.8%	$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
Total Equity	$64.2B-1.5%	$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
Retained Earnings	$26.8B+2.8%	$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

TFC 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	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$679.0M-73.7%	$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
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	-$1.9B+59.6%	-$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
Financing Cash Flow	$1.1B-37.9%	$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
Dividends Paid	$645.0M-2.0%	$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
Share Buybacks	$1.1B+51.2%	$750.0M+50.0%	$500.0M-33.3%	$750.0M+50.0%	$500.0M0.0%	$500.0M0.0%	$500.0M	$0

TFC 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	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
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	25.3%+3.1pp	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%
Return on Equity	2.3%+0.2pp	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%
Return on Assets	0.3%+0.0pp	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%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.650.0	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
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

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Frequently Asked Questions

What is Truist Finl Corp's annual revenue?

Truist Finl Corp (TFC) 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 Truist Finl Corp's revenue growing?

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

Is Truist Finl Corp profitable?

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

How much debt does Truist Finl Corp have?

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

What is Truist Finl Corp's net profit margin?

Truist Finl Corp (TFC) 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 Truist Finl Corp's return on equity (ROE)?

Truist Finl Corp (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 Finl Corp's operating cash flow?

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

What are Truist Finl Corp's total assets?

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

Does Truist Finl Corp buy back shares?

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

How many shares does Truist Finl Corp have outstanding?

Truist Finl Corp (TFC) had 1.25B shares outstanding as of fiscal year 2025.

What is Truist Finl Corp's debt-to-equity ratio?

Truist Finl Corp (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 Finl Corp's return on assets (ROA)?

Truist Finl Corp (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 Finl Corp's Piotroski F-Score?

Truist Finl Corp (TFC) has a Piotroski F-Score of 5 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 Finl Corp's earnings high quality?

Truist Finl Corp (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 Finl Corp?

Truist Finl Corp (TFC) scores 27 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.