TRUIST FINANCIAL CORP
$49.97
+0.08 (+0.16%) · delayed · Nov 13, 2026
Five-year price
52w $43.13 to $56.20
- Market cap
- $59.9B
- Enterprise value
- $93.3B
- P/E
- 13.1×
- 24.6× on 3y avg EPS
- EV / EBIT
- —
- FCF yield
- 9.6%
- ROIC
- —
- Debt / equity
- 1.07
- Piotroski F
- 5/9
Value scorecard · FY2025
Does it pass the value tests?
Quality
67
- –ROIC > 12% (5y avg)5y avg ROIC n/a
- ○ROE > 15% (5y avg)5y avg ROE 6.7%
- –Stable operating marginsMargin volatility n/a (σ, 5y)
- ●Earnings convert to cashFCF / net income 109% (5y avg)
- –Growing revenueRevenue CAGR 5y n/a
- ●Shrinking share countDiluted shares -4.1% over 5y
Value
100
- ●P/E below 15P/E 13.1
- –EV/EBIT below 12EV/EBIT n/a
- ●FCF yield above 6%FCF yield 9.6%
- ●Price below Graham NumberGraham Number $68.37
- ●P/B below 3P/B 0.9
Safety
0
- ○Debt / equity below 0.5D/E 1.07
- ○Debt payable in < 4 yrs of earningsNet debt $33.4B
- –Interest coverage > 8xCoverage n/ax
- –Current ratio > 1.5Current ratio n/a
- ○Piotroski F-score ≥ 6F-score 5/9
Graham Defensive
20
- –Adequate size (revenue > $2B)Revenue n/a
- –Strong condition (current ratio ≥ 2)Current ratio n/a
- ○Earnings stability (no loss, 10y)10 years of data
- ●Uninterrupted dividendsDividends paid every year on record
- ○Earnings growth ≥ 33% (10y, 3y avgs)EPS growth -35%
- ○Moderate P/E (≤ 15 on 3y avg EPS)P/E (3y avg) 24.6
- ○P/E × P/B ≤ 22.5Product 22.6
Valuation lab
What do you have to believe?
At $49.97, the market is pricing in about 2.9% annual free-cash-flow growth for the next decade (9% discount rate, 2.5% terminal growth).
Starting cash flow
Net debt $33.4B · 1198M shares
Intrinsic value
$70.44
Price
$49.97
Margin of safety
29%
What the price implies
The market is paying for 2.9% annual cash-flow growth for 10 years at a 9.0% discount rate.
Terminal value share
58% of the value sits beyond year 10.
Financial statements
A decade of the record.
USD millions · fiscal years · source: SEC 10-K XBRL
| Line item | FY16 | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — | — | — |
| Gross profit | — | — | — | — | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — | — | — | — | — |
| Pre-tax income | 3,500 | 3,326 | 4,060 | 4,019 | 5,473 | 7,993 | 7,029 | (765) | (601) | 6,349 |
| Income tax | 1,058 | 911 | 803 | 782 | 981 | 1,556 | 1,250 | 738 | (556) | 1,042 |
| Net income | 2,442 | 2,415 | 3,257 | 3,237 | 4,492 | 6,437 | 6,267 | (1,047) | 4,840 | 5,307 |
| EPS (diluted) | 2.77 | 2.74 | 3.91 | 3.71 | 3.08 | 4.47 | 4.43 | -1.09 | 3.36 | 3.82 |
| Diluted shares | 815 | 811 | 783 | 815 | 1,358 | 1,349 | 1,338 | 1,332 | 1,331 | 1,303 |
Who owns it