Truist Financial Net Income vs. Current Valuation
| TFC Stock | USD 48.76 0.79 1.59% |
Net Income | First Reported 1989-09-30 | Previous Quarter 1.5 B | Current Value 1.4 B | Quarterly Volatility 645.1 M |
| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Gross Profit Margin | 0.54 | 0.6221 |
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For Truist Financial profitability analysis, we use financial ratios and fundamental drivers that measure the ability of Truist Financial to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well Truist Financial Corp utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between Truist Financial's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of Truist Financial Corp over time as well as its relative position and ranking within its peers.
Truist Financial's Revenue Breakdown by Earning Segment
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Truist Financial Revenue Breakdown by Earning Segment
By analyzing Truist Financial's earnings estimates, investors can diagnose different trends across Truist Financial's analyst sentiment over time as well as compare current estimates against different timeframes.
Will Regional Banks sector continue expanding? Could Truist diversify its offerings? Factors like these will boost the valuation of Truist Financial. If investors know Truist will grow in the future, the company's valuation will be higher. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every Truist Financial data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth 0.108 | Dividend Share 2.08 | Earnings Share 3.82 | Revenue Per Share | Quarterly Revenue Growth 0.032 |
Investors evaluate Truist Financial Corp using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating Truist Financial's intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. External factors like market trends, sector rotation, and investor psychology can cause Truist Financial's market price to deviate significantly from intrinsic value.
Please note, there is a significant difference between Truist Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Truist Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. Conversely, Truist Financial's market price signifies the transaction level at which participants voluntarily complete trades.
Truist Financial Corp Current Valuation vs. Net Income Fundamental Analysis
Comparative valuation techniques use various fundamental indicators to help in determining Truist Financial's current stock value. Our valuation model uses many indicators to compare Truist Financial value to that of its competitors to determine the firm's financial worth. Truist Financial Corp is currently regarded as top stock in net income category among its peers. It also is currently regarded number one company in current valuation category among its peers reporting about 17.46 of Current Valuation per Net Income. At present, Truist Financial's Net Income is projected to increase significantly based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Truist Financial's earnings, one of the primary drivers of an investment's value.Truist Current Valuation vs. Net Income
Net income is the profit of a company for the reporting period, which is derived after taking revenues and gains and subtracting all expenses and losses. Net income is one of the most-watched numbers by money managers as well as individual investors.
Truist Financial |
| = | 5.31 B |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
Enterprise Value is a firm valuation proxy that approximates the current market value of a company. It is typically used to determine the takeover or merger price of a firm. Unlike Market Cap, this measure takes into account the entire liquid asset, outstanding debt, and exotic equity instruments that the company has on its balance sheet. When a takeover occurs, the parent company will have to assume the target company's liabilities but will take possession of all cash and cash equivalents.
Truist Financial |
| = | 92.68 B |
Enterprise Value can be a useful tool to compare companies with different capital structures. Long term liability and current cash or cash equivalents can have a huge impact on market valuation of a given company.
Truist Current Valuation vs Competition
Truist Financial Corp is currently regarded number one company in current valuation category among its peers. After adjusting for long-term liabilities, total market size of Financials industry is at this time estimated at about 98.15 Billion. Truist Financial totals roughly 92.68 Billion in current valuation claiming about 94% of equities under Financials industry.
Truist Financial Profitability Projections
The most important aspect of a successful company is its ability to generate a profit. For investors in Truist Financial, profitability is also one of the essential criteria for including it into their portfolios because, without profit, Truist Financial will eventually generate negative long term returns. The profitability progress is the general direction of Truist Financial's change in net profit over the period of time. It can combine multiple indicators of Truist Financial, where stable trends show no significant progress. An accelerating trend is seen as positive, while a decreasing one is unfavorable. A rising trend means that profits are rising, and operational efficiency may be rising as well. A decreasing trend is a sign of poor performance and may indicate upcoming losses.
| Last Reported | Projected for Next Year | ||
| Accumulated Other Comprehensive Income | -5.8 B | -5.5 B | |
| Operating Income | 6.3 B | 6.7 B | |
| Net Income | 5.3 B | 5.6 B | |
| Income Tax Expense | 1 B | 539.1 M | |
| Income Before Tax | 6.3 B | 6.7 B | |
| Total Other Income Expense Net | -108 M | -113.4 M | |
| Net Loss | -51.8 M | -49.2 M | |
| Net Income Applicable To Common Shares | 5 B | 3.3 B | |
| Net Interest Income | 16.2 B | 11.3 B | |
| Interest Income | 28.8 B | 15.6 B | |
| Change To Netincome | -1.4 B | -1.3 B | |
| Net Income Per Share | 4.19 | 4.40 | |
| Income Quality | 0.41 | 0.39 | |
| Net Income Per E B T | 0.84 | 0.55 |
Truist Profitability Driver Comparison
Profitability drivers are factors that can directly affect your investment outlook on Truist Financial. Investors often realize that things won't turn out the way they predict. There are maybe way too many unforeseen events and contingencies during the holding period of Truist Financial position where the market behavior may be hard to predict, tax policy changes, gold or oil price hikes, calamities change, and many others. The question is, are you prepared for these unexpected events? Although some of these situations are obviously beyond your control, you can still follow the important profit indicators to know where you should focus on when things like this occur. Below are some of the Truist Financial's important profitability drivers and their relationship over time.
Truist Financial Earnings Estimation Breakdown
The calculation of Truist Financial's earning per share is based on the data from the past 12 consecutive months, used for reporting the company's financial figures. The next projected EPS of Truist Financial is estimated to be 1.03 with the future projection ranging from a low of 0.96 to a high of 1.05. Please be aware that this consensus of annual earnings estimates for Truist Financial Corp is based on EPS before non-recurring items and includes expenses related to employee stock options.Last Reported EPS
0.96 Lowest | Expected EPS | 1.05 Highest |
Truist Financial Earnings Projection Consensus
Suppose the current estimates of Truist Financial's value are higher than the current market price of the Truist Financial stock. In this case, investors may conclude that Truist Financial is overpriced and will exhibit bullish sentiment. On the other hand, if the present value is lower than the stock price, analysts may conclude that the market undervalues the equity. These scenarios may suggest that the market is not as efficient as it should be at the estimation time, and Truist Financial's stock will quickly adjusts to the new information provided by the consensus estimate.
| Number of Analysts | Historical Accuracy | Last Reported EPS | Estimated EPS for 31st of March 2026 | Current EPS (TTM) | |
| 22 | 96.81% | 1.12 | 1.03 | 3.82 |
Truist Financial Earnings per Share Projection vs Actual
Actual Earning per Share of Truist Financial refers to what the company shows during its earnings calls or quarterly reports. The Expected EPS is what analysts covering Truist Financial Corp predict the company's earnings will be in the future. The higher the earnings per share of Truist Financial, the better is its profitability. While calculating the Earning per Share, we use the weighted ratio, as the number of shares outstanding can change over time.Truist Financial Estimated Months Earnings per Share
For an investor who is primarily interested in generating an income out of investing in entities such as Truist Financial, the EPS ratio can tell if the company is intending to increase its current dividend. Although EPS is an essential tool for investors, it should not be used in isolation. EPS of Truist Financial should always be considered in relation to other companies to make a more educated investment decision.Truist Quarterly Analyst Estimates and Surprise Metrics
Earnings surprises can significantly impact Truist Financial's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2026-01-21 | 2025-12-31 | 1.09 | 1.12 | 0.03 | 2 | ||
2025-10-17 | 2025-09-30 | 0.99 | 1.06 | 0.07 | 7 | ||
2025-07-18 | 2025-06-30 | 0.93 | 0.91 | -0.02 | 2 | ||
2025-04-17 | 2025-03-31 | 0.86 | 0.87 | 0.01 | 1 | ||
2025-01-17 | 2024-12-31 | 0.88 | 0.91 | 0.03 | 3 | ||
2024-10-17 | 2024-09-30 | 0.9 | 0.97 | 0.07 | 7 | ||
2024-07-22 | 2024-06-30 | 0.82 | 0.91 | 0.09 | 10 | ||
2024-04-22 | 2024-03-31 | 0.79 | 0.84 | 0.05 | 6 | ||
2024-01-18 | 2023-12-31 | 0.89 | 0.91 | 0.02 | 2 | ||
2023-10-19 | 2023-09-30 | 0.82 | 0.84 | 0.02 | 2 | ||
2023-07-20 | 2023-06-30 | 1.01 | 0.95 | -0.06 | 5 | ||
2023-04-20 | 2023-03-31 | 1.14 | 1.09 | -0.05 | 4 | ||
2023-01-19 | 2022-12-31 | 1.29 | 1.3 | 0.01 | 0 | ||
2022-10-18 | 2022-09-30 | 1.24 | 1.24 | 0.0 | 0 | ||
2022-07-19 | 2022-06-30 | 1.16 | 1.2 | 0.04 | 3 | ||
2022-04-19 | 2022-03-31 | 1.1 | 1.23 | 0.13 | 11 | ||
2022-01-18 | 2021-12-31 | 1.26 | 1.38 | 0.12 | 9 | ||
2021-10-15 | 2021-09-30 | 1.21 | 1.42 | 0.21 | 17 | ||
2021-07-15 | 2021-06-30 | 1.19 | 1.55 | 0.36 | 30 | ||
2021-04-15 | 2021-03-31 | 1.11 | 1.18 | 0.07 | 6 | ||
2021-01-21 | 2020-12-31 | 0.97 | 1.18 | 0.21 | 21 | ||
2020-10-15 | 2020-09-30 | 0.89 | 0.97 | 0.08 | 8 | ||
2020-07-16 | 2020-06-30 | 0.72 | 0.82 | 0.1 | 13 | ||
2020-04-20 | 2020-03-31 | 0.67 | 0.83 | 0.16 | 23 | ||
2020-01-30 | 2019-12-31 | 1.03 | 1.04 | 0.01 | 0 | ||
2019-10-17 | 2019-09-30 | 1.03 | 0.95 | -0.08 | 7 | ||
2019-07-18 | 2019-06-30 | 1.07 | 1.09 | 0.02 | 1 | ||
2019-04-18 | 2019-03-31 | 1.03 | 0.97 | -0.06 | 5 | ||
2019-01-17 | 2018-12-31 | 1.04 | 0.97 | -0.07 | 6 | ||
2018-10-18 | 2018-09-30 | 1 | 1.01 | 0.01 | 1 | ||
2018-07-19 | 2018-06-30 | 1.01 | 0.99 | -0.02 | 1 | ||
2018-04-19 | 2018-03-31 | 0.92 | 0.94 | 0.02 | 2 | ||
2018-01-18 | 2017-12-31 | 0.79 | 0.83 | 0.04 | 5 | ||
2017-10-19 | 2017-09-30 | 0.78 | 0.74 | -0.04 | 5 | ||
2017-07-20 | 2017-06-30 | 0.77 | 0.77 | 0.0 | 0 | ||
2017-04-20 | 2017-03-31 | 0.73 | 0.74 | 0.01 | 1 | ||
2017-01-19 | 2016-12-31 | 0.73 | 0.72 | -0.01 | 1 | ||
2016-10-19 | 2016-09-30 | 0.7 | 0.73 | 0.03 | 4 | ||
2016-07-21 | 2016-06-30 | 0.65 | 0.66 | 0.01 | 1 | ||
2016-04-21 | 2016-03-31 | 0.64 | 0.67 | 0.03 | 4 | ||
2016-01-21 | 2015-12-31 | 0.69 | 0.64 | -0.05 | 7 | ||
2015-10-15 | 2015-09-30 | 0.67 | 0.7 | 0.03 | 4 | ||
2015-07-16 | 2015-06-30 | 0.69 | 0.67 | -0.02 | 2 | ||
2015-04-23 | 2015-03-31 | 0.7 | 0.67 | -0.03 | 4 | ||
2015-01-22 | 2014-12-31 | 0.73 | 0.75 | 0.02 | 2 | ||
2014-10-16 | 2014-09-30 | 0.71 | 0.71 | 0.0 | 0 | ||
2014-07-21 | 2014-06-30 | 0.74 | 0.7 | -0.04 | 5 | ||
2014-04-17 | 2014-03-31 | 0.7 | 0.69 | -0.01 | 1 | ||
2014-01-16 | 2013-12-31 | 0.71 | 0.72 | 0.01 | 1 | ||
2013-10-17 | 2013-09-30 | 0.7 | 0.7 | 0.0 | 0 | ||
2013-07-18 | 2013-06-30 | 0.74 | 0.77 | 0.03 | 4 | ||
2013-04-18 | 2013-03-31 | 0.68 | 0.69 | 0.01 | 1 | ||
2013-01-17 | 2012-12-31 | 0.7 | 0.71 | 0.01 | 1 | ||
2012-10-18 | 2012-09-30 | 0.71 | 0.7 | -0.01 | 1 | ||
2012-07-19 | 2012-06-30 | 0.69 | 0.72 | 0.03 | 4 | ||
2012-04-19 | 2012-03-31 | 0.59 | 0.61 | 0.02 | 3 | ||
2012-01-19 | 2011-12-31 | 0.53 | 0.55 | 0.02 | 3 | ||
2011-10-20 | 2011-09-30 | 0.5 | 0.52 | 0.02 | 4 | ||
2011-07-21 | 2011-06-30 | 0.43 | 0.44 | 0.01 | 2 | ||
2011-04-21 | 2011-03-31 | 0.31 | 0.32 | 0.01 | 3 | ||
2011-01-21 | 2010-12-31 | 0.26 | 0.3 | 0.04 | 15 | ||
2010-10-21 | 2010-09-30 | 0.26 | 0.3 | 0.04 | 15 | ||
2010-07-22 | 2010-06-30 | 0.34 | 0.3 | -0.04 | 11 | ||
2010-04-22 | 2010-03-31 | 0.23 | 0.27 | 0.04 | 17 | ||
2010-01-22 | 2009-12-31 | 0.21 | 0.27 | 0.06 | 28 | ||
2009-10-19 | 2009-09-30 | 0.22 | 0.23 | 0.01 | 4 | ||
2009-07-17 | 2009-06-30 | 0.2 | 0.2 | 0.0 | 0 | ||
2009-04-17 | 2009-03-31 | 0.31 | 0.48 | 0.17 | 54 | ||
2009-01-22 | 2008-12-31 | 0.47 | 0.44 | -0.03 | 6 | ||
2008-10-16 | 2008-09-30 | 0.64 | 0.64 | 0.0 | 0 | ||
2008-07-17 | 2008-06-30 | 0.68 | 0.69 | 0.01 | 1 | ||
2008-04-17 | 2008-03-31 | 0.73 | 0.73 | 0.0 | 0 | ||
2008-01-17 | 2007-12-31 | 0.78 | 0.75 | -0.03 | 3 | ||
2007-10-18 | 2007-09-30 | 0.84 | 0.81 | -0.03 | 3 | ||
2007-07-19 | 2007-06-30 | 0.83 | 0.83 | 0.0 | 0 | ||
2007-04-19 | 2007-03-31 | 0.78 | 0.78 | 0.0 | 0 | ||
2007-01-18 | 2006-12-31 | 0.77 | 0.81 | 0.04 | 5 | ||
2006-10-19 | 2006-09-30 | 0.81 | 0.8 | -0.01 | 1 | ||
2006-07-20 | 2006-06-30 | 0.8 | 0.79 | -0.01 | 1 | ||
2006-04-20 | 2006-03-31 | 0.76 | 0.8 | 0.04 | 5 | ||
2006-01-19 | 2005-12-31 | 0.8 | 0.78 | -0.02 | 2 | ||
2005-10-14 | 2005-09-30 | 0.77 | 0.8 | 0.03 | 3 | ||
2005-07-13 | 2005-06-30 | 0.75 | 0.75 | 0.0 | 0 | ||
2005-04-13 | 2005-03-31 | 0.75 | 0.71 | -0.04 | 5 | ||
2005-01-14 | 2004-12-31 | 0.76 | 0.75 | -0.01 | 1 | ||
2004-10-14 | 2004-09-30 | 0.73 | 0.74 | 0.01 | 1 | ||
2004-07-13 | 2004-06-30 | 0.68 | 0.72 | 0.04 | 5 | ||
2004-04-13 | 2004-03-31 | 0.63 | 0.61 | -0.02 | 3 | ||
2004-01-13 | 2003-12-31 | 0.69 | 0.69 | 0.0 | 0 | ||
2003-10-14 | 2003-09-30 | 0.68 | 0.68 | 0.0 | 0 | ||
2003-07-14 | 2003-06-30 | 0.71 | 0.71 | 0.0 | 0 | ||
2003-04-14 | 2003-03-31 | 0.71 | 0.7 | -0.01 | 1 | ||
2003-01-13 | 2002-12-31 | 0.71 | 0.72 | 0.01 | 1 | ||
2002-10-11 | 2002-09-30 | 0.7 | 0.7 | 0.0 | 0 | ||
2002-07-11 | 2002-06-30 | 0.68 | 0.68 | 0.0 | 0 | ||
2002-04-11 | 2002-03-31 | 0.66 | 0.66 | 0.0 | 0 | ||
2002-01-11 | 2001-12-31 | 0.62 | 0.63 | 0.01 | 1 | ||
2001-10-11 | 2001-09-30 | 0.61 | 0.62 | 0.01 | 1 | ||
2001-07-12 | 2001-06-30 | 0.6 | 0.6 | 0.0 | 0 | ||
2001-04-11 | 2001-03-31 | 0.59 | 0.59 | 0.0 | 0 | ||
2001-01-12 | 2000-12-31 | 0.58 | 0.58 | 0.0 | 0 | ||
2000-10-12 | 2000-09-30 | 0.56 | 0.56 | 0.0 | 0 | ||
2000-07-12 | 2000-06-30 | 0.54 | 0.54 | 0.0 | 0 | ||
2000-04-11 | 2000-03-31 | 0.52 | 0.46 | -0.06 | 11 | ||
2000-01-12 | 1999-12-31 | 0.51 | 0.52 | 0.01 | 1 | ||
1999-10-12 | 1999-09-30 | 0.5 | 0.5 | 0.0 | 0 | ||
1999-07-13 | 1999-06-30 | 0.48 | 0.49 | 0.01 | 2 | ||
1999-04-12 | 1999-03-31 | 0.47 | 0.48 | 0.01 | 2 | ||
1999-01-13 | 1998-12-31 | 0.46 | 0.46 | 0.0 | 0 | ||
1998-10-13 | 1998-09-30 | 0.44 | 0.46 | 0.02 | 4 | ||
1998-07-10 | 1998-06-30 | 0.42 | 0.44 | 0.02 | 4 | ||
1998-04-13 | 1998-03-31 | 0.41 | 0.39 | -0.02 | 4 | ||
1998-01-14 | 1997-12-31 | 0.4 | 0.4 | 0.0 | 0 | ||
1997-10-10 | 1997-09-30 | 0.37 | 0.38 | 0.01 | 2 | ||
1997-07-11 | 1997-06-30 | 0.38 | 0.39 | 0.01 | 2 | ||
1997-04-11 | 1997-03-31 | 0.36 | 0.37 | 0.01 | 2 | ||
1997-01-14 | 1996-12-31 | 0.36 | 0.36 | 0.0 | 0 | ||
1996-10-11 | 1996-09-30 | 0.35 | 0.35 | 0.0 | 0 | ||
1996-07-12 | 1996-06-30 | 0.34 | 0.35 | 0.01 | 2 | ||
1996-04-12 | 1996-03-31 | 0.32 | 0.33 | 0.01 | 3 |
Use Truist Financial in pair-trading
One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if Truist Financial position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in Truist Financial will appreciate offsetting losses from the drop in the long position's value.Truist Financial Pair Trading
Truist Financial Corp Pair Trading Analysis
The ability to find closely correlated positions to Truist Financial could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Truist Financial when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back Truist Financial - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling Truist Financial Corp to buy it.
The correlation of Truist Financial is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as Truist Financial moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Truist Financial Corp moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for Truist Financial can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.Use Investing Themes to Complement your Truist Financial position
In addition to having Truist Financial in your portfolios, you can quickly add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your investment opportunity, you can then find an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility.Did You Try This Idea?
Run Tech Funds Thematic Idea Now
Tech Funds
Funds or Etfs that invest in companies involved in research, development, testing, or distribution of technologically based goods and services. The Tech Funds theme has 48 constituents at this time.
You can either use a buy-and-hold strategy to lock in the entire theme or actively trade it to take advantage of the short-term price volatility of individual constituents. Macroaxis can help you discover thousands of investment opportunities in different asset classes. In addition, you can partner with us for reliable portfolio optimization as you plan to utilize Tech Funds Theme or any other thematic opportunities.
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To fully project Truist Financial's future profitability, investors should examine all historical financial statements. These statements provide investors with a comprehensive snapshot of the financial position of Truist Financial Corp at a specified time, usually calculated after every quarter, six months, or one year. Three primary documents fall into the category of financial statements. These documents include Truist Financial's income statement, its balance sheet, and the statement of cash flows.