NYSE
TFC
Last Price
US $52.99
KEY FIGURES
MKT CAP
$66.0B
EPS
TTM
$4.77
EPS Growth (1Y)
13.69%
PEG
TTM
2.53x
P/E
TTM
11.11x
P/S
TTM
2.13x
YIELD
3.93%
GROWTH (5Y CAGR)
Profit margin
Current Ratio
Capital Returns
9.01%
Return on equity
ROIC: 1.05%
Valuation History
12.0X
Price to Earnings
EV/EBITDA: 18.0X
Cash flow
Profit margin
Revenue
4.50%
EBITDA
-0.08%
Cash flow
-2.82%
Cash Flow (DCF)
Fair Value
Market $52.99
-60.39%
Default assumptions
EBITDA Multiple
Fair Value
Market $52.99
-75.75%
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.
Valuation
Financial
Performance
Cash flow to debt coverage
Truist Financial Corporation cash flow to debt ratio of 8.22% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.
Free cash flow growth
Truist Financial Corporation's free cash flow has increased 165.20% from $2.16B last year to $5.74B, signaling increasing performance
Debt-to-equity ratio
Truist Financial Corporation's debt to equity ratio is 1.09, which means that the company's assets are unhealthy financed, signaling financial risk.
Debt-to-equity trend
Truist Financial Corporation's debt has increased relative to shareholder equity from 0.98 last year to 1.09 today, signaling weakened financials
Net debt to EBITDA
Truist Financial Corporation has a net debt to EBITDA ratio of 3.46x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk
Interest coverage
Truist Financial Corporation earns at least as much interest as it pays. Interest obligations are fully covered.
Profit margin growth
Truist Financial Corporation's profit margin has decreased (3.69%) in the last year from 19.87% to 19.13%, signaling decreasing performance
Current ratio
Truist Financial Corporation's short-term liabilities of $428.24B exceed its short-term assets of $370.81B, signaling financial risk
Return on assets
Truist Financial Corporation's return on assets of 1.05% is lower than the 5.00% threshold, indicating inefficient asset utilization
Return on equity
Truist Financial Corporation's return on equity of 9.01%, is lower than 15.00%, indicating bad performance
Earnings quality
Truist Financial Corporation's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation
Earnings stability
Truist Financial Corporation had positive net income in 4 out of 5 years, indicating stable and consistent earnings
Positive free cash flow
Truist Financial Corporation has positive free cash flow, indicating the company generates cash after capital expenditures
Free cash flow yield
Truist Financial Corporation has a free cash flow yield of 8.88%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Earnings growth
Truist Financial Corporation's yearly earnings has increased 10.15% since last year from $4.82B to $5.31B, signaling increasing performance
Revenue growth
Truist Financial Corporation's yearly revenue has increased 25.50% since last year from $24.25B to $30.44B, signaling increasing performance
Return on invested capital
ROIC 1.05% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.
3-year revenue CAGR
Truist Financial Corporation's 3-year revenue CAGR of 10.94% is positive, indicating growing revenue over the past 3 years
Revenue consistency
Truist Financial Corporation had revenue growth in only 2 out of 5 years, indicating inconsistent revenue performance
Return on equity consistency
Truist Financial Corporation had positive ROE in 4 out of 5 years, indicating consistent and reliable returns on equity
Cash Flow Valuation (DCF)
Truist Financial Corporation is overvalued relative to its fair value price of 20.99 based on Discounted Cash Flow model
Earnings yield (TTM)
Truist Financial Corporation has an earnings yield of 9.19%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
EBITDA Valuation
Truist Financial Corporation is overvalued relative to its fair value price of 12.85 based on EBITDA multiple model
EV/EBITDA (FY)
Truist Financial Corporation has an EV/EBITDA ratio of 12.63x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
PEG ratio (TTM/FY)
Truist Financial Corporation has a PEG-ratio over 1 which is considered overvalued
Price-to-book ratio (FY)
Truist Financial Corporation has a price-to-book ratio of 0.99x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Price-to-sales ratio (TTM)
Truist Financial Corporation has a price-to-sales ratio of 2.08x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue