TRUIST FINANCIAL CORP (TFC) Factsheet
TRUIST FINANCIAL CORP (TFC) Stock Analysis
Analysis from 10-Q filed 2025-10-30. Data as of Q4 2025.
Overall Grade: F (Concerning)
Grade F (Concerning). ROIC N/A. FCF margin 28.2%. D/E 0.4x. Source: 10-Q filed 2025-10-30.
| Metric | Value | Context |
|---|---|---|
| ROIC | N/A | Below expectations |
| FCF Margin | 28.2% | Strong cash generation |
| Debt/Equity | 0.4x | Conservative leverage |
FCF margin 28.2% — Top 50%.
Explore TRUIST FINANCIAL CORP: Earnings History | Filings | ROIC Analysis
Programmatic access: Available via MCP at mcp.metricduck.com. Tools for TFC: get_company_overview, get_filing_index (lens: debt_stress, management_outlook, risk_trajectory), get_filing_changes, get_metric_history, compare_companies, screen_filing_signals.
Profitability: TRUIST FINANCIAL CORP earns N/A ROIC
ROIC TTM N/A, sector median 20.8%. Source: 10-Q filed 2025-10-30.
| Metric | TFC | Rating | Context |
|---|---|---|---|
| Return on Invested Capital (ROIC) | N/A | Red flag | Below sector median of 20.8% |
| Return on Equity (ROE) | 75.9% | Excellent | Efficient use of shareholder equity |
Cash Flow: TRUIST FINANCIAL CORP generates $5.7B FCF at 28.2% margin, positive NaN/8 quarters
FCF TTM $5.7B. FCF margin 28.2%, Top 50%. OCF/Net income 1.2x. Positive FCF in NaN/8 trailing quarters. Source: 10-Q filed 2025-10-30.
| Metric | TFC | Rating | Context |
|---|---|---|---|
| Free Cash Flow Margin | 28.2% | Excellent | Excellent cash conversion |
| Free Cash Flow (TTM) | $5.7B | Good | Positive cash generation |
| OCF/Net Income | 1.2x | Excellent | High earnings quality |
| FCF Consistency (8Q) | N/A | Warning | Variable cash flow |
Balance Sheet: TRUIST FINANCIAL CORP at 0.4x leverage
Debt/Equity 0.4x. Net cash $8.5B. Source: 10-Q filed 2025-10-30.
| Metric | TFC | Rating | Context |
|---|---|---|---|
| Debt to Equity | 0.4x | Good | Conservative capital structure |
| Net Cash Position | $8.5B | Excellent | Net cash positive |
Valuation: TRUIST FINANCIAL CORP trades at 13.0x earnings
P/E 13.0x. EV/Sales 2.4x. FCF yield 8.9%. Dividend yield 4.2%. Source: 10-Q filed 2025-10-30.
| Metric | TFC | Rating | Context |
|---|---|---|---|
| P/E Ratio | 13.0x | Adequate | Reasonable valuation |
| EV/Sales | 2.4x | Good | Attractive revenue multiple |
| FCF Yield | 8.9% | Excellent | Attractive cash return |
| Dividend Yield | 4.2% | Good | Meaningful income |
Capital Allocation: TRUIST FINANCIAL CORP returns 8.0% shareholder yield
Total shareholder yield 8.0% (div 4.2% + buyback 3.9%). Capital returned $5.2B TTM. Source: 10-Q filed 2025-10-30.
| Metric | TFC | Rating | Context |
|---|---|---|---|
| Total Shareholder Yield | 8.0% | Excellent | Dividend + buyback yield combined |
| Buyback Yield | 3.9% | Good | Active share repurchases |
| Total Capital Returned (TTM) | $5.2B | Good | Dividends + buybacks returned to shareholders |
Sector Rankings
| Metric | Value | Percentile | vs Median |
|---|---|---|---|
| Free Cash Flow Margin | 28.2% | Top 50% | 1.3x above |
| Return on Equity (ROE) | 75.9% | Top 5% | 7.2x above |
| P/E Ratio | 13.0x | N/A | - |
Financial Scorecard
| Metric | TFC | Rating | Sector Context |
|---|---|---|---|
| Free Cash Flow Margin | 28.2% | Excellent | Top 50% of sector (median: 21.0%) |
| Debt to Equity Ratio | 42.7% | Good | Moderate leverage |
| P/E Ratio (Price-to-Earnings) | 13.0x | Adequate | Attractively valued |
| Free Cash Flow Yield | 8.9% | Excellent | High cash return |
Frequently Asked Questions
Q: What is TRUIST FINANCIAL CORP's Return on Invested Capital (ROIC)?
TRUIST FINANCIAL CORP (TFC) has a trailing twelve-month Return on Invested Capital (ROIC) of N/A. Sector median 20.8%. Source: 10-Q filed 2025-10-30.
Q: What is TRUIST FINANCIAL CORP's Free Cash Flow Margin?
TRUIST FINANCIAL CORP (TFC) has a free cash flow margin of 28.2%, generating $5.7 billion in free cash flow over the trailing twelve months. Source: 10-Q filed 2025-10-30.
Q: What is TRUIST FINANCIAL CORP's P/E ratio and how does it compare to peers?
TRUIST FINANCIAL CORP (TFC) trades at a P/E ratio of 13.0x, which is above the sector median of N/A. EV/Sales 2.4x. FCF yield 8.9%. Source: 10-Q filed 2025-10-30.
Q: Does TRUIST FINANCIAL CORP pay a dividend?
TRUIST FINANCIAL CORP (TFC) currently pays a dividend yield of 4.2%. Total shareholder yield (dividend + buybacks) 8.0%. Source: 10-Q filed 2025-10-30.
Q: What is TRUIST FINANCIAL CORP's revenue and earnings growth?
TRUIST FINANCIAL CORP (TFC) grew revenue by 53.0% year-over-year. EPS +14.1% YoY. Source: 10-Q filed 2025-10-30.
Q: Is TRUIST FINANCIAL CORP buying back stock?
TRUIST FINANCIAL CORP (TFC) repurchased $2.5 billion of stock over the trailing twelve months. This represents a buyback yield of 3.9%. Source: 10-Q filed 2025-10-30.
Q: How does TRUIST FINANCIAL CORP compare to competitors in Financials?
Compared to other companies in Financials, TRUIST FINANCIAL CORP (TFC) shows: ROIC N/A, sector median 20.8% (NaNx). FCF margin 28.2%, sector median 21.0% (Top 50%). These rankings are based on MetricDuck's analysis of all Financials companies with available SEC filings.
Q: What warning signs should I watch for with TRUIST FINANCIAL CORP?
No quantitative warning flags fired for TRUIST FINANCIAL CORP (TFC) on margin trend, FCF trend, ROIC trend, or leverage thresholds. Source: 10-Q filed 2025-10-30.
Data Source: Data sourced from 10-Q filed 2025-10-30. TTM metrics as of Q4 2025.
Methodology: Financial metrics calculated from SEC 10-K and 10-Q filings using standardized formulas. Sector comparisons use peer group based on SIC code.
Scope: This analysis covers SEC filing fundamentals — profitability, cash flow, balance sheet, and valuation metrics. For analyst estimates and price targets, consult sell-side research.
This analysis is for informational purposes only and does not constitute investment advice.