Truist Financial

Financials Diversified Banks Charlotte, North Carolina Last filing Feb 24, 2026 · FY2025

                    Revenue
                    FY2025
                
$24.5B
                    3y CAGR +13.8%
                    
                    P55
                    
                    -2.1%
                    
                    Net income
                    FY2025
                
$5.3B
                    Net margin +21.6%
                    
                    P59
                    
                    +9.6%
                    
                    Total assets
                    FY2025
                
$547.5B
                    ROA +1.0%
                    
                    P16
                    
                    +3.1%
                    
                    Operating cash flow
                    FY2025
                
$5.7B
                    
                    +165.2%

19 yrs · FY2007–FY2025 9 filed · 0 derived · 0 blank

1Y 3Y 5Y 10Y

Dollars % of revenue % of assets YoY % CAGR

Each cell as a share of that year’s total assets.

Balance Sheet

Assets, liabilities, and equity

25 accounts · 5 years

Total assets $547.5B

Total liabilities $482.3B

Shareholders equity $65.2B

Account	2025	2024	2023	2022	2021
Assets
Cash and Cash Equivalents	6.6%	7.5%	5.7%	3.9%	3.7%
Short Term Investments	0.1%	0.1%	0.1%	0.2%	0.2%
Other Current Assets	7.1%	7.0%	6.9%	6.3%	5.9%
Property,Plant and Equipment	0.6%	0.6%	0.6%	0.6%	0.7%
Operating Lease Assets	0.2%	0.2%	0.2%	0.2%	—
Goodwill	3.1%	3.2%	3.2%	4.9%	4.8%
Intangible Assets	0.2%	0.3%	0.6%	0.7%	0.6%
Other Noncurrent Assets	7.1%	7.0%	6.9%	6.3%	5.9%
Total Assets	100.0%	100.0%	100.0%	100.0%	100.0%
Liabilities
Current Portion of Long Term Debt	5.1%	5.5%	4.6%	4.2%	1.0%
Operating Lease Liabilities	0.2%	0.2%	0.3%	0.3%	—
Other Current Liabilities	2.2%	2.4%	3.1%	2.6%	2.6%
Total Current Liabilities	88.1%	88.0%	88.9%	89.1%	87.2%
Long Term Debt	7.7%	6.6%	7.3%	7.8%	6.6%
Operating Lease Liabilities Noncurrent	0.2%	0.2%	0.3%	0.3%	—
Deferred Tax Liabilities	0.0%	0.7%	0.7%	0.7%	0.6%
Other Noncurrent Liabilities	2.2%	2.4%	3.1%	2.6%	2.6%
Total Liabilities	88.1%	88.0%	88.9%	89.1%	87.2%
Equity
Preferred Stock	0.9%	1.1%	1.2%	1.2%	1.2%
Common Stock	1.2%	1.2%	1.2%	1.2%	1.2%
Additional Paid In Capital	6.1%	6.7%	6.8%	6.2%	6.4%
Retained Earnings	4.8%	4.5%	4.1%	4.7%	4.2%
Accumulated Other Comprehensive Income	-1.1%	-1.5%	-2.3%	-2.4%	-0.3%
Total Stockholders Equity	11.9%	12.0%	11.1%	10.9%	12.8%
Total Liabilitiesand Equity	100.0%	100.0%	100.0%	100.0%	100.0%

Income Statement

Revenue, expense, and profitability

15 accounts · 5 years

Revenue $24.5B

Operating income $5.3B

Net income $5.3B

Account	2025	2024	2023	2022	2021
IncomeStatement
Revenues Total Revenue	4.5%	4.7%	4.6%	3.0%	2.5%
Expenses Selling,General and Administrative	0.1%	0.1%	0.0%	0.1%	0.1%
Expenses Depreciation and Amortization	0.1%	0.1%	0.1%	0.1%	0.1%
Expenses Share Based Compensation	0.1%	0.1%	0.1%	0.0%	0.1%
Other Income Expense Operating Income	1.0%	-0.0%	-0.3%	1.0%	—
Other Income Expense Interest Income	4.5%	4.7%	4.6%	3.0%	2.5%
Other Income Expense Other Income/expense	-0.0%	-1.3%	0.0%	-0.0%	0.0%
Other Income Expense Income Before Tax	1.2%	-0.1%	-0.1%	1.3%	1.5%
Income Tax Income Tax Expense	0.2%	-0.1%	0.1%	0.2%	0.3%
net Income net Income	1.0%	0.9%	-0.2%	1.1%	1.2%
net Income Comprehensive Income	0.4%	0.8%	0.2%	-2.2%	-0.4%
Earnings Per Share Basic Eps	0.0%	0.0%	-0.0%	0.0%	0.0%
Earnings Per Share Diluted Eps	0.0%	0.0%	-0.0%	0.0%	0.0%
Earnings Per Share Weighted Average Shares Basic	0.2%	0.3%	0.2%	0.2%	0.2%
Earnings Per Share Weighted Average Shares Diluted	0.2%	0.3%	0.2%	0.2%	0.2%

Cash Flow Statement

Operating, investing, and financing flows

21 accounts · 5 years

Operating cash flow $5.7B

Investing cash flow $-17.8B

Financing cash flow $8.6B

Account	2025	2024	2023	2022	2021
CashFlow
Operating Activities net Income	1.0%	0.9%	-0.2%	1.1%	1.2%
Operating Activities Depreciation and Amortization	0.1%	0.1%	0.1%	0.1%	0.1%
Operating Activities Stock Based Compensation	0.1%	0.1%	0.1%	0.0%	0.1%
Operating Activities Deferred Income Taxes	-0.0%	-0.0%	-0.1%	0.1%	0.1%
Operating Activities Changes In Operating Assets and Liabilities	0.0%	0.9%	-0.4%	0.2%	-0.1%
Operating Activities Other Non Cash Items	0.1%	0.2%	0.0%	-0.4%	0.0%
Operating Activities net Cash From Operating Activities	1.0%	0.4%	1.6%	2.0%	1.5%
Investing Activities Purchases of Investments	2.6%	8.4%	0.8%	1.7%	13.1%
Investing Activities Proceeds From Sale of Investments	3.0%	2.8%	1.9%	2.2%	6.3%
Investing Activities Other Investing Activities	0.3%	-0.2%	-0.0%	0.1%	0.3%
Investing Activities net Cash From Investing Activities	-3.2%	3.5%	4.3%	-5.4%	-5.9%
Financing Activities Proceeds From Debt	12.7%	4.3%	9.5%	2.8%	0.9%
Financing Activities Repayment of Debt	11.5%	5.0%	10.3%	1.3%	1.5%
Financing Activities Repurchase of Common Stock	0.5%	0.2%	0.0%	0.0%	0.3%
Financing Activities Dividends Paid	0.5%	0.5%	0.5%	0.5%	0.5%
Financing Activities Other Financing Activities	-0.0%	-0.0%	-0.0%	-0.0%	0.0%
Financing Activities net Cash From Financing Activities	1.6%	-2.2%	-4.2%	3.6%	4.7%
Cash Reconciliation Effect of Exchange Rate On Cash	6.6%	7.5%	5.7%	3.9%	3.7%
Cash Reconciliation net Change In Cash	-0.6%	1.7%	1.7%	0.2%	0.3%
Cash Reconciliation Cash At Beginning of Period	6.6%	7.5%	5.7%	3.9%	3.7%
Cash Reconciliation Cash At End of Period	6.6%	7.5%	5.7%	3.9%	3.7%

Key Ratios

Margins, returns, liquidity, leverage, efficiency

Computed at import · 5 years

Ratio	2025	2024	2023	2022	2021
Profitability
Gross margin	—	—	—	—	—
Operating margin	+21.6%	-0.2%	-6.1%	+34.7%	—
Net margin	+21.6%	+19.3%	-4.3%	+37.7%	+46.7%
FCF margin	—	—	—	+63.2%	+54.1%
Growth
Revenue CAGR (3y)	+13.8%	+22.1%	+16.3%	+20.9%	+19.3%
Returns
ROE	+8.1%	+7.6%	-1.8%	+10.4%	+9.3%
ROA	+1.0%	+0.9%	-0.2%	+1.1%	+1.2%
ROIC	+4.5%	-0.1%	-1.6%	+4.5%	—
Liquidity
Current ratio	—	—	—	—	—
Quick ratio	—	—	—	—	—
Leverage
D/E	7.40x	7.34x	8.03x	8.17x	6.81x
Interest coverage	—	—	-0.15x	2.49x	—
Efficiency
Asset turnover	0.04x	0.05x	0.05x	0.03x	0.03x
Cash conversion cycle	—	—	—	—	—

Valuation

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Truist Financial

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