Truist Financial Corporation

$ 18.39 0.49 %

Truist Financial Corporation, a diversified financial holding company, provides an extensive range of banking and fiduciary services throughout the Southeastern and Mid-Atlantic United States. The enterprise is structured with three core operating segments: Consumer Banking and Wealth Management, Corporate and Commercial Banking, and Insurance Holdings. Clients can access a variety of deposit instruments, including non-interest-bearing and interest-bearing checking accounts, savings accounts, money market deposit accounts, certificates of deposit, and individual retirement accounts. Beyond traditional deposits, Truist offers a broad spectrum of financial solutions such as funding services; asset management; diverse lending options like automobile, bankcard, consumer finance, home equity, and mortgage loans; as well as small business and student lending. The company's comprehensive insurance portfolio covers property and casualty, life, health, employee benefits, workers' compensation, professional liability, surety, and title insurance. Additional services include investment brokerage, advanced mobile and online banking platforms, payment processing, and lease financing. Truist also provides specialized wealth management and private banking services. Its extensive commercial and corporate offerings encompass capital market services, institutional trust administration, international banking, and various commercial finance solutions including insurance premium and general commercial financing, leasing, and merchant services. The firm also manages commercial deposits and treasury operations, government finance, and a wide array of commercial lending products, such as middle-market, floor plan, commercial mortgage, mortgage warehouse, private equity investment, real estate, and supply chain financing. Furthermore, Truist delivers sophisticated corporate and investment banking, retail and wholesale brokerage, securities underwriting, and investment advisory services. As of December 31, 2021, Truist operated a network of 2,517 banking offices. The company, originally known as BB&T Corporation, formally adopted the name Truist Financial Corporation in December 2019. Founded in 1872, its headquarters are located in Charlotte, North Carolina.

CEO: William Henry Rogers Jr. - https://www.truist.com

Price objectif

-

Recommandation

Hold

DCF

$ 238.73

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TFC-PR vs S&P500

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Quick ratio

0.16

indicates that the company may have difficulty covering its short-term debts with its readily available assets.

P/E ratio

4.10

may indicate that the company is undervalued or has poor growth prospects.

EPS

4.48

is the net profit of a company divided by the number of outstanding shares, indicating the profit earned per share.

ROE

8.51 %

indicates low profitability, suggesting that the company is not using equity efficiently to generate profits.

ROIC

1.01 %

does not generate enough return to cover its financing costs, which indicates value destruction and may pose long-term profitability issues.

WACC

9.38

is a company's average cost of capital, weighted by the proportion of debt and equity in its financing. It represents the minimum return the company must generate to satisfy its investors.

Debt-to-Equity Ratio

1.08

means it relies more on debt, which can increase financial risk.

Free cash flow per share

4.54

is a measure of a company's financial flexibility that is determined by dividing free cash flow by the total number of shares outstanding.

Dividend payout ratio

53.59 %

indicates that the company is retaining a large portion of its profits to reinvest in growth

Earnings per share

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Financials

Piotroski score
7 indicates good financial health
Altman score
0.14 indicates a high risk of bankruptcy
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Cash / Debt

Cash Ratio
0.16 indicates liquidity risk, as the company may not have enough cash to meet its immediate obligations
Debt Ratio
0.13 indicates that the company uses little debt to finance its assets, suggesting good financial stability
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Free Cash Flow

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Earnings Per Share (annual)

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Sales

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