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Truist Financial (TFC)
NYSE:TFC
US Market
TFC
Truist Financial
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Truist Financial (TFC) Ratios

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Truist Financial Ratios

TFC's free cash flow for Q4 2025 was $0.68. For the 2025 fiscal year, TFC's free cash flow was decreased by $ and operating cash flow was $0.20. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.16 0.87 0.14 0.26 0.24
Quick Ratio
 0.16 0.87 0.14 0.26 0.24
Cash Ratio
 0.16 0.08 0.10 0.07 0.05
Solvency Ratio
 0.01 0.01 0.01 <0.01 0.02
Operating Cash Flow Ratio
 0.21 0.01 <0.01 0.02 0.03
Short-Term Operating Cash Flow Coverage
 0.21 0.21 0.08 0.37 0.51
Net Current Asset Value
$ -480.47B$ -111.53B$ -408.84B$ -366.44B$ -388.56B
Leverage Ratios
Debt-to-Assets Ratio
 0.13 0.13 0.12 0.12 0.12
Debt-to-Equity Ratio
 1.08 1.07 0.98 1.05 1.08
Debt-to-Capital Ratio
 0.52 0.52 0.49 0.51 0.52
Long-Term Debt-to-Capital Ratio
 0.39 0.39 0.35 0.40 0.42
Financial Leverage Ratio
 8.55 8.40 8.34 9.06 9.18
Debt Service Coverage Ratio
 0.16 0.16 0.02 >-0.01 0.30
Interest Coverage Ratio
 0.66 0.63 -0.05 -0.08 3.03
Debt to Market Cap
 1.09 1.12 1.08 1.26 1.14
Interest Debt Per Share
 63.24 63.06 55.02 54.09 50.74
Net Debt to EBITDA
 9.27 4.74 59.52 70.87 5.20
Profitability Margins
Gross Profit Margin
62.92%62.21%47.04%59.81%86.10%
EBIT Margin
21.35%20.86%-2.48%-2.55%31.53%
EBITDA Margin
22.94%23.17%1.56%1.50%37.66%
Operating Profit Margin
21.35%20.86%-2.48%-2.55%31.53%
Pretax Profit Margin
21.35%20.86%-2.48%-2.55%31.53%
Net Profit Margin
18.14%17.44%19.87%-3.64%28.08%
Continuous Operations Profit Margin
18.14%17.44%-0.19%-5.02%25.92%
Net Income Per EBT
84.98%83.59%-801.66%142.61%89.06%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.01%0.97%0.91%-0.20%1.13%
Return on Equity (ROE)
8.51%8.14%7.57%-1.85%10.34%
Return on Capital Employed (ROCE)
1.25%5.32%-0.53%-0.66%5.86%
Return on Invested Capital (ROIC)
1.01%3.61%-0.03%-0.55%4.08%
Return on Tangible Assets
1.04%1.00%0.95%-0.21%1.20%
Earnings Yield
8.65%8.51%8.34%-2.22%10.95%
Efficiency Ratios
Receivables Turnover
 0.00 0.09 1.83 2.73 1.89
Payables Turnover
 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 9.69 9.60 4.34 4.99 3.24
Asset Turnover
 0.06 0.06 0.05 0.06 0.04
Working Capital Turnover Ratio
 -0.76 -0.15 -0.07 -0.09 -0.08
Cash Conversion Cycle
 0.00 3.90K 199.80 133.81 192.73
Days of Sales Outstanding
 0.00 3.90K 199.80 133.81 192.73
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 0.00
Operating Cycle
 0.00 3.90K 199.80 133.81 192.73
Cash Flow Ratios
Operating Cash Flow Per Share
 4.60 4.53 1.63 6.48 8.34
Free Cash Flow Per Share
 4.60 4.53 1.63 6.48 7.92
CapEx Per Share
 0.00 0.00 0.00 0.00 0.42
Free Cash Flow to Operating Cash Flow
 1.00 1.00 1.00 1.00 0.95
Dividend Paid and CapEx Coverage Ratio
 1.92 1.92 0.69 2.76 3.12
Capital Expenditure Coverage Ratio
 0.00 0.00 0.00 0.00 19.65
Operating Cash Flow Coverage Ratio
 0.08 0.08 0.03 0.14 0.17
Operating Cash Flow to Sales Ratio
 0.19 0.19 0.09 0.29 0.50
Free Cash Flow Yield
9.01%9.20%3.75%17.55%18.40%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 11.46 11.75 11.98 -45.07 9.13
Price-to-Sales (P/S) Ratio
 2.07 2.05 2.38 1.64 2.56
Price-to-Book (P/B) Ratio
 0.99 0.96 0.91 0.83 0.94
Price-to-Free Cash Flow (P/FCF) Ratio
 11.01 10.87 26.68 5.70 5.43
Price-to-Operating Cash Flow Ratio
 11.04 10.87 26.68 5.70 5.16
Price-to-Earnings Growth (PEG) Ratio
 0.59 0.79 -0.03 0.36 -8.23
Price-to-Fair Value
 0.99 0.96 0.91 0.83 0.94
Enterprise Value Multiple
 18.31 13.58 212.27 180.15 12.01
Enterprise Value
 128.50B 95.79B 80.24B 81.07B 100.80B
EV to EBITDA
 18.39 13.58 212.27 180.15 12.01
EV to Sales
 4.22 3.15 3.31 2.71 4.52
EV to Free Cash Flow
 22.39 16.69 37.08 9.39 9.58
EV to Operating Cash Flow
 22.39 16.69 37.08 9.39 9.10
Tangible Book Value Per Share
 36.76 36.93 31.02 27.64 19.65
Shareholders’ Equity Per Share
 51.43 51.44 47.84 44.37 45.56
Tax and Other Ratios
Effective Tax Rate
 0.15 0.16 0.93 -0.96 0.18
Revenue Per Share
 24.40 24.02 18.22 22.49 16.79
Net Income Per Share
 4.43 4.19 3.62 -0.82 4.71
Tax Burden
 0.85 0.84 -8.02 1.43 0.89
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.27 0.26 0.28 0.22 0.29
Stock-Based Compensation to Revenue
 0.00 0.00 0.00 0.00 0.00
Income Quality
 1.08 1.08 0.45 -8.24 1.77
Currency in USD