TRUIST FINANCIAL CORP (TFC)
Q4-CY2025Q3-CY2025Q2-CY2025Q1-CY2025Q4-CY2024Q3-CY2024Q2-CY2024Q1-CY2024Q4-CY2023Q3-CY2023Q2-CY2023Q1-CY2023Q4-CY2022Q3-CY2022Q2-CY2022Q1-CY2022Q4-CY2021Q3-CY2021Q2-CY2021Q1-CY2021Q4-CY2020Q3-CY2020Q2-CY2020Q1-CY2020Q4-CY2019Q3-CY2019Q2-CY2019Q1-CY2019Q4-CY2018Q3-CY2018Q2-CY2018Q1-CY2018Q4-CY2017Q3-CY2017Q2-CY2017Q1-CY2017Q4-CY2016Q3-CY2016Q2-CY2016Q1-CY2016Q4-CY2015Q3-CY2015Q2-CY2015Q1-CY2015Q4-CY2014Q3-CY2014Q2-CY2014Q1-CY2014Q4-CY2013
Balance Sheet Date2025-Sep-302025-Jun-302025-Mar-312024-Dec-312024-Sep-302024-Jun-302024-Mar-312023-Dec-312023-Sep-302023-Jun-302023-Mar-312022-Dec-312022-Sep-302022-Jun-302022-Mar-312021-Dec-312021-Sep-302021-Jun-302021-Mar-312020-Dec-312020-Sep-302020-Jun-302020-Mar-312019-Dec-312019-Sep-302019-Jun-302019-Mar-312018-Dec-312018-Sep-302018-Jun-302018-Mar-312017-Dec-312017-Sep-302017-Jun-302017-Mar-312016-Dec-312016-Sep-302016-Jun-302016-Mar-312015-Dec-312015-Sep-302015-Jun-302015-Mar-312014-Dec-312014-Sep-302014-Jun-302014-Mar-312013-Dec-31
Fiscal PeriodQ3-FY2025Q2-FY2025Q1-FY2025Q4-FY2024Q3-FY2024Q2-FY2024Q1-FY2024Q4-FY2023Q3-FY2023Q2-FY2023Q1-FY2023Q4-FY2022Q3-FY2022Q2-FY2022Q1-FY2022Q4-FY2021Q3-FY2021Q2-FY2021Q1-FY2021Q4-FY2020Q3-FY2020Q2-FY2020Q1-FY2020Q4-FY2019Q3-FY2019Q2-FY2019Q1-FY2019Q4-FY2018Q3-FY2018Q2-FY2018Q1-FY2018Q4-FY2017Q3-FY2017Q2-FY2017Q1-FY2017Q4-FY2016Q3-FY2016Q2-FY2016Q1-FY2016Q4-FY2015Q3-FY2015Q2-FY2015Q1-FY2015Q4-FY2014Q3-FY2014Q2-FY2014Q1-FY2014Q4-FY2013
Total Revenue5,187,000,000$4,987,000,000$4,899,000,000$5,060,000,000$5,085,000,000$(1,685,000,000$)4,818,000,000$4,882,000,000$4,869,000,000$4,983,000,000$5,288,000,000$3,146,000,000$5,847,000,000$5,655,000,000$5,325,000,000$5,566,000,000$5,598,000,000$5,650,000,000$5,482,000,000$5,651,000,000$5,572,000,000$5,871,000,000$5,611,000,000$3,625,000,000$3,003,000,000$3,042,000,000$2,898,000,000$2,940,000,000$2,926,000,000$2,879,000,000$2,813,000,000$2,869,000,000$2,813,000,000$2,855,000,000$2,780,000,000$2,727,000,000$2,774,000,000$2,747,000,000$2,545,000,000$2,519,000,000$2,452,000,000$2,331,000,000$2,309,000,000$2,357,000,000$2,298,000,000$2,301,000,000$2,274,000,000$2,446,000,000$
QoQ%4.01%1.80%(3.18%)(.49%)401.78%(134.97%)(1.31%).27%(2.29%)(5.77%)68.09%(46.20%)3.40%6.20%(4.33%)(.57%)(.92%)3.07%(2.99%)1.42%(5.09%)4.63%54.79%20.71%(1.28%)4.97%(1.43%).48%1.63%2.35%(1.95%)1.99%(1.47%)2.70%1.94%(1.69%).98%7.94%1.03%2.73%5.19%.95%(2.04%)2.57%(.13%)1.19%(7.03%)5.34%
YoY%2.01%395.96%1.68%3.65%4.44%(133.82%)(8.89%)55.18%(16.73%)(11.88%)(.70%)(43.48%)4.45%.09%(2.86%)(1.50%).47%(3.76%)(2.30%)55.89%85.55%93.00%93.62%23.30%2.63%5.66%3.02%2.48%4.02%.84%1.19%5.21%1.41%3.93%9.23%8.26%13.13%17.85%10.22%6.87%6.70%1.30%1.54%(3.64%)(1.03%)(6.50%)(6.15%)(2.00%)
Cost Of Revenue436,000,000$488,000,000$458,000,000$471,000,000$448,000,000$451,000,000$500,000,000$572,000,000$497,000,000$538,000,000$502,000,000$467,000,000$234,000,000$171,000,000$(95,000,000$)(103,000,000$)(324,000,000$)(434,000,000$)48,000,000$177,000,000$421,000,000$844,000,000$893,000,000$171,000,000$117,000,000$172,000,000$155,000,000$146,000,000$135,000,000$135,000,000$150,000,000$138,000,000$126,000,000$135,000,000$148,000,000$129,000,000$148,000,000$111,000,000$184,000,000$129,000,000$103,000,000$97,000,000$99,000,000$83,000,000$34,000,000$74,000,000$60,000,000$60,000,000$
Gross Profit4,751,000,000$4,499,000,000$4,441,000,000$4,589,000,000$4,637,000,000$(2,136,000,000$)4,318,000,000$4,310,000,000$4,372,000,000$4,445,000,000$4,786,000,000$2,679,000,000$5,613,000,000$5,484,000,000$5,420,000,000$5,669,000,000$5,922,000,000$6,084,000,000$5,434,000,000$5,474,000,000$5,151,000,000$5,027,000,000$4,718,000,000$3,454,000,000$2,886,000,000$2,870,000,000$2,743,000,000$2,794,000,000$2,791,000,000$2,744,000,000$2,663,000,000$2,731,000,000$2,687,000,000$2,720,000,000$2,632,000,000$2,598,000,000$2,626,000,000$2,636,000,000$2,361,000,000$2,390,000,000$2,349,000,000$2,234,000,000$2,210,000,000$2,274,000,000$2,264,000,000$2,227,000,000$2,214,000,000$2,386,000,000$
Gross Margin91.59%90.22%90.65%90.69%91.19%126.77%89.62%88.28%89.79%89.20%90.51%85.16%96.00%96.98%101.78%101.85%105.79%107.68%99.12%96.87%92.44%85.62%84.09%95.28%96.10%94.35%94.65%95.03%95.39%95.31%94.67%95.19%95.52%95.27%94.68%95.27%94.67%95.96%92.77%94.88%95.80%95.84%95.71%96.48%98.52%96.78%97.36%97.55%
Operating Expenses3,014,000,000$2,986,000,000$2,906,000,000$3,035,000,000$2,927,000,000$3,094,000,000$2,953,000,000$9,557,000,000$3,060,000,000$3,046,000,000$3,015,000,000$1,300,000,000$3,613,000,000$3,580,000,000$3,674,000,000$3,700,000,000$3,795,000,000$4,011,000,000$3,610,000,000$3,833,000,000$3,755,000,000$3,878,000,000$3,431,000,000$2,575,000,000$1,840,000,000$1,751,000,000$1,768,000,000$1,784,000,000$1,742,000,000$1,720,000,000$1,686,000,000$1,855,000,000$1,745,000,000$1,742,000,000$2,102,000,000$1,668,000,000$1,711,000,000$1,797,000,000$1,545,000,000$1,597,000,000$1,594,000,000$1,653,000,000$1,422,000,000$1,394,000,000$1,539,000,000$1,534,000,000$1,385,000,000$1,396,000,000$
Operating Income
Operating Margin
Interest Income
Interest Expenses2,657,000,000$2,567,000,000$2,481,000,000$2,589,000,000$2,750,000,000$2,824,000,000$2,812,000,000$2,723,000,000$2,665,000,000$2,572,000,000$1,917,000,000$1,257,000,000$624,000,000$266,000,000$174,000,000$168,000,000$193,000,000$198,000,000$209,000,000$245,000,000$261,000,000$440,000,000$776,000,000$585,000,000$518,000,000$516,000,000$477,000,000$431,000,000$382,000,000$337,000,000$288,000,000$254,000,000$230,000,000$189,000,000$166,000,000$180,000,000$185,000,000$188,000,000$192,000,000$191,000,000$186,000,000$177,000,000$181,000,000$183,000,000$192,000,000$194,000,000$199,000,000$204,000,000$
Income Before Tax1,737,000,000$1,513,000,000$1,535,000,000$1,554,000,000$1,710,000,000$(5,230,000,000$)1,365,000,000$(5,247,000,000$)1,312,000,000$1,399,000,000$1,771,000,000$1,379,000,000$2,000,000,000$1,904,000,000$1,746,000,000$1,969,000,000$2,127,000,000$2,073,000,000$1,824,000,000$1,641,000,000$1,396,000,000$1,149,000,000$1,287,000,000$879,000,000$1,046,000,000$1,119,000,000$975,000,000$1,010,000,000$1,049,000,000$1,024,000,000$977,000,000$876,000,000$942,000,000$978,000,000$530,000,000$930,000,000$915,000,000$839,000,000$816,000,000$793,000,000$755,000,000$581,000,000$788,000,000$880,000,000$725,000,000$693,000,000$829,000,000$831,000,000$
Tax Expenses285,000,000$273,000,000$274,000,000$265,000,000$271,000,000$(1,324,000,000$)232,000,000$(56,000,000$)203,000,000$230,000,000$361,000,000$185,000,000$363,000,000$372,000,000$330,000,000$367,000,000$423,000,000$415,000,000$351,000,000$311,000,000$255,000,000$191,000,000$224,000,000$153,000,000$218,000,000$234,000,000$177,000,000$205,000,000$210,000,000$202,000,000$186,000,000$209,000,000$294,000,000$304,000,000$104,000,000$287,000,000$273,000,000$252,000,000$246,000,000$251,000,000$222,000,000$80,000,000$241,000,000$277,000,000$172,000,000$216,000,000$256,000,000$401,000,000$
Net Income1,452,000,000$1,240,000,000$1,261,000,000$1,276,000,000$1,442,000,000$922,000,000$1,200,000,000$(5,090,000,000$)1,183,000,000$1,345,000,000$1,515,000,000$1,682,000,000$1,637,000,000$1,532,000,000$1,416,000,000$1,602,000,000$1,704,000,000$1,658,000,000$1,473,000,000$1,330,000,000$1,141,000,000$958,000,000$1,063,000,000$726,000,000$828,000,000$885,000,000$798,000,000$805,000,000$839,000,000$822,000,000$791,000,000$667,000,000$648,000,000$674,000,000$426,000,000$643,000,000$642,000,000$587,000,000$570,000,000$542,000,000$533,000,000$501,000,000$547,000,000$603,000,000$553,000,000$477,000,000$573,000,000$589,000,000$
Profit Margin27.99%24.87%25.74%25.22%28.36%(54.72%)24.91%(104.26%)24.30%26.99%28.65%53.47%28.00%27.09%26.59%28.78%30.44%29.35%26.87%23.54%20.48%16.32%18.95%20.03%27.57%29.09%27.54%27.38%28.67%28.55%28.12%23.25%23.04%23.61%15.32%23.58%23.14%21.37%22.40%21.52%21.74%21.49%23.69%25.58%24.06%20.73%25.20%24.08%
TTM25.97%26.06%36.69%36.45%(11.65%)(13.85%)(6.97%)(5.23%)31.31%32.08%31.93%31.38%27.63%28.24%28.82%28.87%27.55%25.06%21.71%19.78%18.80%19.74%22.92%25.76%27.91%28.18%28.03%28.18%27.15%25.74%24.49%21.34%21.40%21.42%20.84%22.63%22.12%21.75%21.79%22.09%23.11%23.71%23.53%23.90%23.52%20.85%21.54%17.92%
Earnings to Minority104,000,000$60,000,000$104,000,000$0$0$19,000,000$3,000,000$0$6,000,000$36,000,000$2,000,000$1,000,000$4,000,000$1,000,000$1,000,000$0$0$1,000,000$(4,000,000$)1,000,000$3,000,000$3,000,000$3,000,000$5,000,000$3,000,000$(1,000,000$)6,000,000$7,000,000$7,000,000$3,000,000$3,000,000$9,000,000$8,000,000$(1,000,000$)5,000,000$7,000,000$0$3,000,000$6,000,000$3,000,000$4,000,000$10,000,000$22,000,000$15,000,000$4,000,000$16,000,000$40,000,000$14,000,000$
Earnings to Common Shareholders1,348,000,000$1,180,000,000$1,157,000,000$1,216,000,000$1,336,000,000$826,000,000$1,091,000,000$(5,167,000,000$)1,071,000,000$1,234,000,000$1,410,000,000$1,610,000,000$1,536,000,000$1,454,000,000$1,327,000,000$1,524,000,000$1,616,000,000$1,559,000,000$1,334,000,000$1,228,000,000$1,068,000,000$902,000,000$986,000,000$702,000,000$735,000,000$842,000,000$749,000,000$754,000,000$789,000,000$775,000,000$745,000,000$614,000,000$597,000,000$631,000,000$378,000,000$592,000,000$599,000,000$541,000,000$527,000,000$502,000,000$492,000,000$454,000,000$488,000,000$551,000,000$512,000,000$424,000,000$496,000,000$538,000,000$
QoQ%14.24%1.99%(4.85%)(8.98%)61.74%(24.29%)121.12%(582.45%)(13.21%)(12.48%)(12.42%)4.82%5.64%9.57%(12.93%)(5.69%)3.66%16.87%8.63%14.98%18.40%(8.52%)40.46%(4.49%)(12.71%)12.42%(.66%)(4.44%)1.81%4.03%21.34%2.85%(5.39%)66.93%(36.15%)(1.17%)10.72%2.66%4.98%2.03%8.37%(6.97%)(11.43%)7.62%20.76%(14.52%)(7.81%)100.75%
YoY%.90%42.86%6.05%123.53%24.74%(33.06%)(22.62%)(420.93%)(30.27%)(15.13%)6.26%5.64%(4.95%)(6.74%)(.53%)24.10%51.31%72.84%35.29%74.93%45.31%7.13%31.64%(6.90%)(6.84%)8.65%.54%22.80%32.16%22.82%97.09%3.72%(.33%)16.64%(28.27%)17.93%21.75%19.16%7.99%(8.89%)(3.91%)7.08%(1.61%)2.42%91.05%(22.49%)136.19%6.32%
Earnings Per Share, Basic1.05$0.91$0.88$0.92$1.00$0.62$0.82$(3.87$)0.80$0.93$1.06$1.21$1.16$1.09$1.00$1.15$1.21$1.16$0.99$0.91$0.79$0.67$0.73$0.76$0.96$1.10$0.98$0.99$1.02$1.00$0.96$0.78$0.75$0.78$0.47$0.73$0.74$0.66$0.67$0.64$0.64$0.63$0.68$0.76$0.71$0.59$0.70$0.76$
Earnings Per Share, Diluted1.04$0.90$0.87$0.94$0.99$0.62$0.81$(3.94$)0.80$0.92$1.05$1.20$1.15$1.09$0.99$1.14$1.20$1.16$0.98$0.90$0.79$0.67$0.73$0.75$0.95$1.09$0.97$0.97$1.01$0.99$0.94$0.77$0.74$0.77$0.46$0.72$0.73$0.66$0.67$0.63$0.64$0.62$0.67$0.75$0.70$0.58$0.68$0.75$
Unlevered FCF Per Share, Basic1.17$0.71$0.57$0.59$1.15$0.63$(0.74$)1.78$1.80$2.80$0.09$2.66$2.84$2.98$(0.14$)3.52$(0.27$)2.44$(0.10$)1.71$0.22$(0.11$)3.10$(0.48$)2.32$1.22$(0.97$)1.79$2.01$1.44$0.40$2.14$1.85$1.64$0.20$3.06$(0.28$)1.22$(0.17$)1.57$2.46$0.85$(0.82$)2.37$0.87$0.34$0.89$5.04$
Unlevered FCF Per Share, Diluted1.15$0.70$0.56$0.60$1.14$0.63$(0.74$)1.81$1.80$2.79$0.09$2.64$2.82$2.96$(0.14$)3.49$(0.27$)2.42$(0.10$)1.70$0.22$(0.11$)3.07$(0.47$)2.29$1.21$(0.96$)1.77$1.98$1.42$0.39$2.11$1.82$1.62$0.19$3.01$(0.27$)1.20$(0.16$)1.55$2.43$0.84$(0.81$)2.33$0.86$0.34$0.87$4.96$
Average Shares, Basic1,280,571,0001,292,292,0001,307,457,0001,316,896,0001,334,212,0001,338,149,0001,335,091,0001,333,775,0001,333,522,0001,331,953,0001,328,602,0001,326,744,0001,326,539,0001,330,160,0001,329,037,0001,329,783,0001,334,825,0001,338,302,0001,345,666,0001,348,520,0001,347,916,0001,347,512,0001,344,372,000924,156,000766,167,000765,958,000764,135,000764,837,000771,562,000775,836,000779,617,000783,427,000794,558,000808,980,000809,903,000810,745,000812,521,000814,261,000781,193,000781,086,000764,435,000724,880,000721,639,000720,521,000720,117,000719,080,000712,842,000705,677,000
Average Shares, Diluted1,296,666,0001,305,005,0001,324,339,0001,290,166,0001,349,129,0001,338,149,0001,346,904,0001,310,491,0001,340,574,0001,337,307,0001,339,480,0001,336,762,0001,336,659,0001,338,864,0001,341,563,0001,342,234,0001,346,854,0001,349,492,0001,358,932,0001,361,655,0001,358,122,0001,355,834,0001,357,545,000936,351,000775,791,000774,603,000774,071,000775,314,000781,867,000785,750,000791,005,000795,676,000806,124,000819,389,000822,719,000822,700,000823,106,000823,682,000790,176,000790,999,000774,023,000734,527,000731,511,000730,764,000729,989,000728,452,000724,283,000717,470,000
EBIT4,394,000,000$4,080,000,000$4,016,000,000$4,143,000,000$4,460,000,000$(2,406,000,000$)4,177,000,000$(2,524,000,000$)3,977,000,000$3,971,000,000$3,688,000,000$2,636,000,000$2,624,000,000$2,170,000,000$1,920,000,000$2,137,000,000$2,320,000,000$2,271,000,000$2,033,000,000$1,886,000,000$1,657,000,000$1,589,000,000$2,063,000,000$1,464,000,000$1,564,000,000$1,635,000,000$1,452,000,000$1,441,000,000$1,431,000,000$1,361,000,000$1,265,000,000$1,130,000,000$1,172,000,000$1,167,000,000$696,000,000$1,110,000,000$1,100,000,000$1,027,000,000$1,008,000,000$984,000,000$941,000,000$758,000,000$969,000,000$1,063,000,000$917,000,000$887,000,000$1,028,000,000$1,035,000,000$
EBITDA4,394,000,000$4,080,000,000$4,016,000,000$4,143,000,000$4,460,000,000$(2,406,000,000$)4,177,000,000$(2,524,000,000$)3,977,000,000$3,971,000,000$3,688,000,000$2,636,000,000$2,624,000,000$2,170,000,000$1,920,000,000$2,137,000,000$2,320,000,000$2,271,000,000$2,033,000,000$1,886,000,000$1,657,000,000$1,589,000,000$2,063,000,000$1,464,000,000$1,564,000,000$1,635,000,000$1,452,000,000$1,441,000,000$1,431,000,000$1,361,000,000$1,265,000,000$1,130,000,000$1,172,000,000$1,167,000,000$696,000,000$1,110,000,000$1,100,000,000$1,027,000,000$1,008,000,000$984,000,000$941,000,000$758,000,000$969,000,000$1,063,000,000$917,000,000$887,000,000$1,028,000,000$1,035,000,000$