TFC (Truist Financial Corporation) Stock Financials & Earnings | Market Cap Arena

TFC (Truist Financial Corporation) Stock Financials & Earnings | Market Cap Arena

TFCTruist Financial Corporation

Mkt Cap$59B

Financial Services·Banks - Regional·🇺🇸 United States·NYSE

Revenue (TTM)$30.4B

Net Income (TTM)$5.3B

EPS (TTM)$3.67

Free Cash Flow (TTM)$5.8B

Gross Margin62.2%

Op. Margin20.9%

Net Margin17.4%

FCF Margin19.0%

P/S Ratio (TTM)1.9x

P/E Ratio (TTM)11.0x

YoY Rev Growth+25.5%

Employees—

Earnings Reports

Revenue & Profitability

Quarter	Revenue	Gross Profit	Op. Income
Q1 23	$7.2B	$4.8B	$1.8B
Q2 23	$7.6B	$4.4B	$1.4B
Q3 23	$7.6B	$4.4B	$1.3B
Q4 23	$8.4B	$5.1B	-$5.2B
Q1 24	$7.6B	$4.3B	$1.4B
Q2 24	$1.1B	-$2.1B	-$5.2B
Q3 24	$7.8B	$4.6B	$1.7B
Q4 24	$7.6B	$4.6B	$1.6B
Q1 25	$7.4B	$4.4B	$1.5B
Q2 25	$7.6B	$4.5B	$1.5B
Q3 25	$7.8B	$4.8B	$1.7B
Q4 25	$7.7B	$5.2B	$1.6B

Revenue Breakdown

Valuation

Quarter	P/S	P/E
Q1 23	2.2x	9.2x
Q2 23	2.0x	9.5x
Q3 23	2.0x	10.3x
Q4 23	1.9x	—
Q1 24	1.9x	—
Q2 24	2.4x	—
Q3 24	2.3x	—
Q4 24	2.4x	12.2x
Q1 25	2.4x	12.0x
Q2 25	1.9x	11.2x
Q3 25	1.9x	11.2x
Q4 25	1.9x	11.0x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q1 23	$118M	$118M
Q2 23	$3.7B	$3.7B
Q3 23	$2.4B	$2.4B
Q4 23	$2.4B	$2.4B
Q1 24	-$990M	-$990M
Q2 24	$845M	$845M
Q3 24	$1.5B	$1.5B
Q4 24	$775M	$775M
Q1 25	$746M	$746M
Q2 25	$914M	$914M
Q3 25	$1.5B	$1.5B
Q4 25	$2.6B	$2.6B

Capital Expenditures

CapEx

Quarter	CapEx
Q1 23	$0
Q2 23	$0
Q3 23	$0
Q4 23	$0
Q1 24	$0
Q2 24	$0
Q3 24	$0
Q4 24	$0
Q1 25	$0
Q2 25	$0
Q3 25	$0
Q4 25	$0

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q1 23	+31.0%	+44.8%
Q2 23	+27.6%	+53.2%
Q3 23	+16.8%	+39.8%
Q4 23	+11.7%	+145.9%
Q1 24	+5.9%	+15.3%
Q2 24	-84.9%	+3.5%
Q3 24	+3.6%	-2.0%
Q4 24	-9.2%	-55.1%
Q1 25	-3.3%	-6.7%
Q2 25	+563.2%	-5.1%
Q3 25	+0.1%	-0.3%
Q4 25	+0.1%	+0.0%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q1 23	$0	0.0%
Q2 23	$0	0.0%
Q3 23	$0	0.0%
Q4 23	$0	0.0%
Q1 24	$0	0.0%
Q2 24	$0	0.0%
Q3 24	$0	0.0%
Q4 24	$0	0.0%
Q1 25	$0	0.0%
Q2 25	$0	0.0%
Q3 25	$0	0.0%
Q4 25	$0	0.0%

OpEx Breakdown

Quarter	G&A	S&M
Q1 23	$1.7B	$68M
Q2 23	$1.7B	$69M
Q3 23	$1.7B	$70M
Q4 23	$2.0B	$62M
Q1 24	$1.6B	$56M
Q2 24	$1.7B	$63M
Q3 24	$1.6B	$75M
Q4 24	$1.6B	$74M
Q1 25	$1.6B	$75M
Q2 25	$1.7B	$82M
Q3 25	$1.7B	$79M
Q4 25	$2.7B	$63M

War Chest

Quarter	Cash	Short-term Investments	Total
Q1 23	$37.6B	$2.5B	$40.1B
Q2 23	$30.0B	$2.8B	$32.8B
Q3 23	$29.8B	$3.9B	$33.8B
Q4 23	$30.2B	$67.4B	$97.6B
Q1 24	$34.5B	$2.9B	$37.4B
Q2 24	$40.9B	$3.4B	$44.3B
Q3 24	$39.6B	$4.1B	$43.7B
Q4 24	$39.8B	$4.6B	$44.3B
Q1 25	$42.2B	$4.3B	$46.5B
Q2 25	$41.5B	$4.4B	$45.9B
Q3 25	$36.9B	$4.5B	$41.4B
Q4 25	$36.4B	$9.0B	$45.4B

Shares Outstanding

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change
Q1 23	1.34B	+0.2%
Q2 23	1.34B	-0.2%
Q3 23	1.34B	+0.2%
Q4 23	1.33B	-0.5%
Q1 24	1.35B	+1.0%
Q2 24	1.34B	-0.7%
Q3 24	1.35B	+0.8%
Q4 24	1.33B	-1.1%
Q1 25	1.32B	-0.7%
Q2 25	1.31B	-1.5%
Q3 25	1.31B	+0.0%
Q4 25	1.29B	-1.5%

Revenue Per Employee

Revenue / Employee

Year	Revenue/Employee	Employees
FY 14	$310K	33K
FY 15	$286K	37K
FY 16	$308K	38K
FY 17	$333K	36K
FY 18	$362K	36K
FY 19	$249K	59K
FY 20	$467K	52K
FY 21	$459K	50K
FY 22	$404K	55K
FY 23	$611K	49K
FY 24	$495K	49K
FY 25	$621K	49K