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Truist Financial

NYSE: TFC

Stock price

48.64 USD

(+0%) TODAY

Diversified BanksBanks - Regional
Financials

all figures in US$ Millions except per share data

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Actual
10 year cagr
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Where available up to 10y CAGR shown for absolute numbers 10y Average marked A shown for relative numbers such as margins
Fiscal
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
Average (A)
Fiscal period end dates
Expand all rows
01Earnings per share
Help
Earnings per share = Net Income / Number of Shares Outstanding
2.6
2.8
2.7
3.9
3.7
3.1
4.5
4.4
(1.1)
3.4
3.8
4.1%
02Free cash flow per share
4.1
3.8
5.7
5.1
1.6
4.9
5.5
7.9
6.5
1.6
4.5
0.8%
03Dividends per share
1.1
1.2
1.3
1.6
1.7
1.8
1.9
2
2.1
2.1
2.1
7.1%
04Dividends payout, %
45%
45%
49.3%
42.6%
45.3%
60.8%
44.3%
47.8%
(2.9)%
65.1%
56.5%
2.3%
PROFIT AND LOSS STATEMENT
05Revenue
$ 10,625
$ 11,538
$ 12,156
$ 12,996
$ 14,664
$ 24,427
$ 23,064
$ 22,294
$ 29,950
$ 24,253
$ 30,438
11.1%
06% Change
-
8.6%
5.4%
6.9%
12.8%
66.6%
(5.6)%
(3.3)%
34.3%
(19)%
25.5%
11.1%
07Cost of revenue
(1,163)
(1,317)
(1,386)
(2,004)
(2,711)
(4,057)
(45)
(3,098)
(12,037)
(12,845)
(11,501)
25.8%
08Gross profit
9,462
10,221
10,770
10,992
11,953
20,370
23,109
19,196
17,913
11,408
18,937
7.2%
09% Margin
89.1%
88.6%
88.6%
84.6%
81.5%
83.4%
100.2%
86.1%
59.8%
47%
62.2%
79.2% A
10Operating expenses
(6,545)
(6,721)
(7,444)
(6,932)
(7,934)
(14,897)
(15,116)
(12,167)
(18,678)
(12,009)
(12,588)
6.8%
11% of Revenue
(61.6)%
(58.3)%
(61.2)%
(53.3)%
(54.1)%
(61)%
(65.5)%
(54.6)%
(62.4)%
(49.5)%
(41.4)%
(56.6)% A
12Operating Income
2,917
3,500
3,326
4,060
4,019
5,473
7,993
7,029
(765)
(601)
6,349
8.1%
13Income tax expense
(794)
(1,058)
(911)
(803)
(782)
(981)
(1,556)
(1,250)
(738)
(556)
(1,042)
2.8%
14Net Income
2,084
2,426
2,394
3,237
3,224
4,482
6,440
6,260
(1,091)
4,818
5,307
9.8%
15% Margin
19.6%
21%
19.7%
24.9%
22%
18.4%
27.9%
28.1%
(3.6)%
19.9%
17.4%
19.6% A
16Shares Outstanding
757,765
814,916
810,977
783,484
815,204
1,358,289
1,349,378
1,338,462
1,331,963
1,331,087
1,285,078
5.4%
17EPS Basic
2.6
2.8
2.8
4
3.8
3.1
4.5
4.5
(1.1)
3.4
3.9
4.1%
18EPS Diluted
2.6
2.8
2.7
3.9
3.7
3.1
4.5
4.4
(1.1)
3.4
3.8
4.1%
19EBITDA
3,378
4,055
3,876
4,615
4,649
7,081
9,377
8,395
450
378
7,186
7.8%
% Margin
31.8%
35.1%
31.9%
35.5%
31.7%
29%
40.7%
37.7%
1.5%
1.6%
23.6%
27.3% A
20Net Interest Income (expense)
5,592
6,321
6,535
6,682
7,313
13,826
13,006
14,313
14,524
14,091
14,423
9.9%
21Net Debt / EBITDA
8.1
5.1
6.7
5.4
8.6
3.7
2.2
5.2
70.9
59.5
4.7
16.4 A
BALANCE SHEET
ASSETS
Current Assets
22Cash & equivalents
3,558
3,936
2,713
3,844
19,065
18,868
20,295
21,421
30,230
39,768
36,377
26.2%
23Short-term investments
25,450
27,070
24,547
25,038
74,727
120,788
153,123
71,801
67,366
4,555
8,990
(9.9)%
24Accounts receivable
-
1,670
1,902
6,425
15,785
9,452
10,344
11,772
10,980
13,276
325,448
-
25Other current assets
-
-
-
602
1,254
1,247
1,152
1,162
1,083
1,061
-
-
26Inventory
-
-
-
-
-
-
-
-
-
-
-
-
27Total Current Assets
29,008
32,676
29,162
35,909
110,831
150,355
184,914
106,156
109,659
58,660
370,815
29%
Non-Current Assets
28Net property, plant & equipment
2,007
2,107
2,055
3,493
7,432
7,013
6,960
6,880
6,002
5,592
3,172
4.7%
29Long-term investments
154,056
158,559
164,435
167,613
306,372
306,435
296,611
384,313
372,831
419,100
112,228
(3.1)%
30Other non-current assets
25,029
26,078
25,990
18,682
48,443
45,425
52,756
57,906
46,857
47,824
61,323
9.4%
31Total Non-Current Assets
181,092
186,744
192,480
189,788
362,247
358,873
356,327
449,099
425,690
472,516
176,723
(0.2)%
Total Assets
209,947
219,276
221,642
225,697
473,078
509,228
541,241
555,255
535,349
531,176
547,538
10.1%
LIABILITIES
Current Liabilities
32Accounts payable
6,121
5,745
5,990
5,433
-
-
-
-
-
-
-
-
33Short-term debt
7,186
2,812
4,938
5,178
17,536
5,707
4,974
21,871
23,203
27,309
27,839
14.5%
34Other current liabilities
149,124
160,234
157,371
161,199
334,727
381,077
416,488
413,495
395,865
390,524
400,398
10.4%
35Total Current Liabilities
162,431
168,791
168,299
171,810
352,263
386,784
421,462
435,366
419,068
417,833
428,237
10.2%
Non-Current Liabilities
36Long-term debt
23,769
21,965
23,648
23,709
41,339
39,597
35,913
43,203
38,918
34,956
41,963
5.9%
37Other non-current liabilities
(3,593)
(1,406)
-
-
12,918
11,935
14,595
16,149
18,110
14,708
12,149
-
38Total Non-Current Liabilities
20,176
20,559
23,648
23,709
54,257
51,532
50,508
59,352
57,028
49,664
54,112
10.4%
39Total Liabilities
182,607
189,350
191,947
195,519
406,520
438,316
471,970
494,718
476,096
467,497
482,349
10.2%
SHAREHOLDERS` EQUITY
40Common stock
3,902
4,047
3,910
3,817
6,711
6,745
6,639
6,634
6,669
6,580
6,312
4.9%
41Retained earnings / (deficit)
13,464
14,809
16,259
18,118
19,806
19,455
22,998
26,264
22,088
23,777
26,067
6.8%
42Accumulated other comprehensive income / (loss)
(1,028)
(1,132)
(1,467)
(1,715)
(844)
716
(1,604)
(13,601)
(12,506)
(8,213)
(5,769)
18.8%
43Noncontrolling interests
34
45
47
56
174
105
-
23
152
-
-
-
44Total shareholders' equity
27,340
29,926
29,695
30,178
66,558
70,912
69,271
60,537
59,253
63,679
65,189
9.1%
45Total Liabilities and shareholders' Equity
209,947
219,276
221,642
225,697
473,078
509,228
541,241
555,255
535,349
531,176
547,538
10.1%
46Total Debt
30,955
24,777
28,586
28,887
58,875
45,304
40,887
65,074
62,121
62,265
69,802
8.5%
47Net Debt
27,397
20,841
25,873
25,043
39,810
26,436
20,592
43,653
31,891
22,497
33,425
2%
CASH FLOW STATEMENT
CASH FLOWS FROM OPERATING ACTIVITIES
48Net income (loss)
2,084
2,426
2,394
3,237
3,224
4,482
6,440
6,260
(1,091)
4,818
5,307
9.8%
49Depreciation & amortization
461
555
550
555
630
1,608
1,384
1,366
1,215
979
837
6.2%
50Share-based compensation expense
106
115
132
141
165
353
-
-
-
-
-
-
51Changes in working capital and other assets
480
19
1,559
416
(2,499)
994
68
3,455
8,507
(3,633)
(405)
-
52Net cash flows from operating activities
3,131
3,115
4,635
4,349
1,520
7,437
7,892
11,081
8,631
2,164
5,739
6.3%
CASH FLOWS FROM INVESTING ACTIVITIES
53Purchases of property, plant and equipment
-
-
-
(363)
(224)
(815)
(442)
(564)
-
-
-
-
54Purchases of investments / marketable securities
(15,255)
(15,157)
(16,362)
(4,722)
(42,646)
(72,808)
(70,775)
(12,377)
(4,230)
(44,741)
(14,475)
(0.5)%
55Proceeds from maturities of marketable securities
15,157
17,522
12,314
6,499
44,076
29,903
34,116
20,753
13,964
46,324
22,924
4.2%
56Other investing activities
(1,751)
(3,341)
(1,362)
(6,377)
7,142
68
5,045
(37,784)
13,124
17,015
(26,212)
31.1%
57Net cash flows from investing activities
(1,849)
(976)
(5,410)
(4,963)
8,348
(43,652)
(32,056)
(29,972)
22,858
18,598
(17,763)
25.4%
CASH FLOWS FROM FINANCING ACTIVITIES
58Issuance (repurchases) of common stock, net
-
(520)
(1,613)
(1,205)
(42)
2,949
(3,031)
(250)
-
(1,750)
(2,500)
-
59Dividends paid, net
(937)
(1,092)
(1,179)
(1,378)
(1,459)
(2,725)
(2,852)
(2,989)
(3,131)
(3,135)
(2,996)
12.3%
60Debt issuance (repayments), net
(1,143)
(5,552)
4,962
476
4,112
(13,758)
(4,031)
26,540
(2,678)
361
5,326
-
61Other financing activities
2,184
5,282
(2,719)
3,609
2,742
49,552
35,505
(3,284)
(16,457)
(7,114)
8,803
15%
62Net cash flows from financing activities
104
(1,882)
(549)
1,502
5,353
36,018
25,591
20,017
(22,266)
(11,638)
8,633
55.6%
63Increase (decrease) in cash and cash equivalents
1,386
257
(1,324)
888
15,221
(197)
1,427
1,126
9,223
9,124
(3,391)
-
64Cash and equivalents, ending balance
3,711
4,424
2,956
3,844
19,065
18,868
20,295
21,421
30,644
39,768
36,377
25.6%
65Free Cash Flow to the Firm (FCFF)
Help
Free Cash Flow to the Firm = Cash Flows from Operating Activities - Capital Expenditures
3,131
3,115
4,635
3,986
1,296
6,622
7,450
10,517
8,631
2,164
5,739
6.3%

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