InsiderClue
Stocks · Financials · National Commercial Banks

Truist Financial

TFC Clue Score49
United States Fiscal year ends December CIK 0000092230
$46.11 -0.15% Close, 9 Oct 2026
Alert on the numbers Alert on insider trades
Price $46.11 −23.44% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
Net income
Fiscal year 2016Net income2.44EPS, diluted2.77Fiscal year 2017Net income2.42 −1.1%EPS, diluted2.74Fiscal year 2018Net income3.26 +34.9%EPS, diluted3.91Fiscal year 2019Net income3.24 −0.6%EPS, diluted3.71Fiscal year 2020Net income4.49 +38.8%EPS, diluted3.08Fiscal year 2021Net income6.44 +43.3%EPS, diluted4.47Fiscal year 2022Net income6.27 −2.6%EPS, diluted4.43Fiscal year 2023Net income−1.05 −116.7%EPS, diluted−1.09Fiscal year 2024Net income4.84EPS, diluted3.36Fiscal year 2025Net income5.31 +9.6%EPS, diluted3.82
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net income 2.44 2.42 3.26 3.24 4.49 6.44 6.27 −1.05 4.84 5.31
Growth −1.1% +34.9% −0.6% +38.8% +43.3% −2.6% −116.7% +9.6%
EPS, diluted 2.77 2.74 3.91 3.71 3.08 4.47 4.43 −1.09 3.36 3.82

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow3.12Buybacks−0.52Dividends paid−0.93Fiscal year 2017Operating cash flow4.64Buybacks−1.61Dividends paid−1.01Fiscal year 2018Operating cash flow4.35Capital expenditure−0.36Free cash flow3.99Buybacks−1.21Dividends paid−1.20Fiscal year 2019Operating cash flow1.52Capital expenditure−0.22Free cash flow1.30 −67.5%Buybacks0.00Dividends paid−1.31Fiscal year 2020Operating cash flow7.44Capital expenditure−0.82Free cash flow6.62 +411.0%Buybacks0.00Dividends paid−2.42Fiscal year 2021Operating cash flow7.89Capital expenditure−0.44Free cash flow7.45 +12.5%Buybacks−1.62Dividends paid−2.49Fiscal year 2022Operating cash flow11.08Capital expenditure−0.56Free cash flow10.52 +41.2%Buybacks−0.25Dividends paid−2.66Fiscal year 2023Operating cash flow8.63Buybacks0.00Dividends paid−2.77Fiscal year 2024Operating cash flow2.16Buybacks−1.00Dividends paid−2.77Fiscal year 2025Operating cash flow5.74Buybacks−2.50Dividends paid−2.67
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 3.12 4.64 4.35 1.52 7.44 7.89 11.08 8.63 2.16 5.74
Capital expenditure n/a n/a −0.36 −0.22 −0.82 −0.44 −0.56 n/a n/a n/a
Free cash flow n/a n/a 3.99 1.30 6.62 7.45 10.52 n/a n/a n/a
Growth −67.5% +411.0% +12.5% +41.2%
Buybacks −0.52 −1.61 −1.21 0.00 0.00 −1.62 −0.25 0.00 −1.00 −2.50
Dividends paid −0.93 −1.01 −1.20 −1.31 −2.42 −2.49 −2.66 −2.77 −2.77 −2.67

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash4.28Total debt21.97Net cash (debt)−17.69Shareholders’ equity29.93Debt to equity0.73Fiscal year 2017Cash2.96Total debt23.65Net cash (debt)−20.69Shareholders’ equity29.70Debt to equity0.80Fiscal year 2018Cash3.84Total debt23.71Net cash (debt)−19.87Shareholders’ equity30.18Debt to equity0.79Fiscal year 2019Cash19.07Total debt41.34Net cash (debt)−22.27Shareholders’ equity66.56Debt to equity0.62Fiscal year 2020Cash18.87Total debt39.60Net cash (debt)−20.73Shareholders’ equity70.91Debt to equity0.56Fiscal year 2021Cash20.30Total debt35.91Net cash (debt)−15.62Shareholders’ equity69.27Debt to equity0.52Fiscal year 2022Cash21.42Total debt43.20Net cash (debt)−21.78Shareholders’ equity60.54Debt to equity0.71Fiscal year 2023Cash30.64Total debt38.92Net cash (debt)−8.27Shareholders’ equity59.25Debt to equity0.66Fiscal year 2024Cash39.77Total debt34.96Net cash (debt)4.81Shareholders’ equity63.68Debt to equity0.55Fiscal year 2025Cash36.38Total debt41.96Net cash (debt)−5.59Shareholders’ equity65.19Debt to equity0.64
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 4.28 2.96 3.84 19.07 18.87 20.30 21.42 30.64 39.77 36.38
Total debt 21.97 23.65 23.71 41.34 39.60 35.91 43.20 38.92 34.96 41.96
Net cash (debt) −17.69 −20.69 −19.87 −22.27 −20.73 −15.62 −21.78 −8.27 4.81 −5.59
Shareholders’ equity 29.93 29.70 30.18 66.56 70.91 69.27 60.54 59.25 63.68 65.19
Debt to equity 0.73 0.80 0.79 0.62 0.56 0.52 0.71 0.66 0.55 0.64

In billions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Spending
30.2% 27.4% 19.8% 19.5% 17.9% 19.5% 17.8% n/a n/a 16.4%
Returns
8.2% 8.1% 10.8% 4.9% 6.3% 9.3% 10.4% −1.8% 7.6% 8.1%
1.1% 1.1% 1.4% 0.7% 0.9% 1.2% 1.1% −0.2% 0.9% 1.0%
Balance and payout
0.73 0.80 0.79 0.62 0.56 0.52 0.71 0.66 0.55 0.64
86.4% 86.6% 86.6% 85.9% 86.1% 87.2% 89.1% 88.9% 88.0% 88.1%
37.9% 41.6% 37.0% 40.4% 54.0% 38.6% 42.4% n/a 57.2% 50.3%
n/a n/a 60.4% 101.0% 36.6% 55.0% 27.6% n/a n/a n/a