Truist Financial Past Earnings Performance
Past criteria checks 2/6
Truist Financial's earnings have been declining at an average annual rate of -32.1%, while the Banks industry saw earnings growing at 4.4% annually. Revenues have been declining at an average rate of 7.4% per year. Truist Financial's return on equity is 8.1%, and it has net margins of 27%.
Key information
-32.10%
Earnings growth rate
-32.63%
EPS growth rate
| Banks Industry Growth | 11.18% |
| Revenue growth rate | -7.40% |
| Return on equity | 8.06% |
| Net Margin | 26.97% |
| Next Earnings Update | 17 Oct 2025 |
Recent past performance updates
Recent updates
Truist: A Solid Bank At A Fair Price (Downgrade)
Jul 30
Digital Adoption And Sunbelt Expansion Will Advance Market Position
Digital adoption and technology investments are reducing operational costs, improving efficiency, and positioning Truist for ongoing revenue and margin expansion.Truist Financial: Q1 Earnings And Valuation Prompt A Rating Upgrade
Apr 17Truist: True Rewards Come With Risks
Mar 11Truist Financial (NYSE:TFC) Has Announced A Dividend Of $0.52
Feb 01
Truist: Strong Net Interest Margins Coupled With High Loan Quality
Jan 14Truist: After A Sector-Wide Rerating, The Hard Work Is Still To Come
Dec 31Truist Financial (NYSE:TFC) Is Paying Out A Dividend Of $0.52
Oct 26Why Truist Financial Stock Is Not A Buy Ahead Of Q2 Earnings
Oct 20Truist Financial Q3 Preview: Core Banking Trends Become Even More Important
Oct 08Truist Financial: Making Solid Progress
Sep 01Truist Financial: Patience Is Bitter, But Its Fruit Is Sweet
Jun 26Truist: Low Expectations And More Flexibility Create Opportunities (Rating Upgrade)
Jun 20Truist Financial Q1 Earnings Preview: Capital Improvement But Deposit Weakness (Rating Downgrade)
Apr 17Truist Financial Still Has Room To Run While Yielding 5.48%
Apr 05Truist Financial: A Market Leader Ain't Cheap
Mar 23Truist Financial: Potential For Improved Efficiency And Profitability Supports A Buy Rating
Feb 29Truist Financial: The New All-Time High In Emergency Lending Explained
Feb 19Truist Financial: Don't Let The Net Loss Scare You
Jan 23Truist: Solid As A Rock And Potentially Returning 8.4% Annualized
Dec 29Truist Financial Stock: Downgraded To Hold Despite Powell Pivot
Dec 19Truist Financial: Buying In A Solid Base At Technical Support Levels
Nov 20Truist Bank: Top Value Pick From Beaten-Down Banks
Oct 19Truist Financial And U.S. Bancorp Q3 Earnings: A Caveat Hidden In Plain Sight
Oct 13Truist Financial: A Secure Dividend And Attractive Valuation Create Opportunity
Sep 25Truist Financial: The 6.3% Yielding Preferred Shares Could Be An Option
Sep 09Truist Financial: Expect More Solvency Deterioration As Mortgage Rates Rise Higher
Aug 22Truist Financial: Risky High-Yielder
Jul 21Truist Financial And U.S. Bancorp: Cause For Concern After The Stress Test?
Jun 30Truist: Priced For Disaster, Set For Recovery
Jun 15Revenue & Expenses Breakdown
How Truist Financial makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 30 Jun 25 | 18,166 | 4,899 | 10,347 | 0 |
| 31 Mar 25 | 11,531 | -264 | 10,240 | 0 |
| 31 Dec 24 | 11,408 | -394 | 10,180 | 0 |
| 30 Sep 24 | 14,497 | -6,479 | 12,374 | 0 |
| 30 Jun 24 | 14,232 | -6,809 | 12,384 | 0 |
| 31 Mar 24 | 17,445 | -2,144 | 9,986 | 0 |
| 31 Dec 23 | 17,913 | -1,864 | 10,050 | 0 |
| 30 Sep 23 | 19,344 | 5,014 | 10,894 | 0 |
| 30 Jun 23 | 20,585 | 5,547 | 11,489 | 0 |
| 31 Mar 23 | 21,624 | 5,907 | 12,004 | 0 |
| 31 Dec 22 | 19,196 | 5,446 | 10,411 | 0 |
| 30 Sep 22 | 22,186 | 5,841 | 12,502 | 0 |
| 30 Jun 22 | 22,495 | 5,921 | 12,653 | 0 |
| 31 Mar 22 | 23,095 | 6,026 | 12,744 | 0 |
| 31 Dec 21 | 23,109 | 6,033 | 12,780 | 0 |
| 30 Sep 21 | 22,914 | 5,737 | 12,799 | 0 |
| 30 Jun 21 | 22,143 | 5,189 | 12,600 | 0 |
| 31 Mar 21 | 21,086 | 4,532 | 12,398 | 0 |
| 31 Dec 20 | 20,370 | 4,184 | 12,179 | 0 |
| 30 Sep 20 | 18,350 | 3,658 | 11,085 | 0 |
| 30 Jun 20 | 16,085 | 3,325 | 9,589 | 0 |
| 31 Mar 20 | 13,928 | 3,265 | 8,097 | 0 |
| 31 Dec 19 | 11,953 | 3,028 | 6,664 | 0 |
| 30 Sep 19 | 11,293 | 3,080 | 6,351 | 0 |
| 30 Jun 19 | 11,198 | 3,134 | 6,183 | 0 |
| 31 Mar 19 | 11,072 | 3,067 | 6,058 | 0 |
| 31 Dec 18 | 10,992 | 3,063 | 5,930 | 0 |
| 30 Sep 18 | 10,929 | 2,923 | 5,587 | 0 |
| 30 Jun 18 | 10,825 | 2,731 | 5,530 | 0 |
| 31 Mar 18 | 10,801 | 2,587 | 5,538 | 0 |
| 31 Dec 17 | 10,770 | 2,220 | 5,835 | 0 |
| 30 Sep 17 | 10,637 | 2,198 | 5,465 | 0 |
| 30 Jun 17 | 10,576 | 2,200 | 5,443 | 0 |
| 31 Mar 17 | 10,492 | 2,110 | 5,399 | 0 |
| 31 Dec 16 | 10,221 | 2,259 | 5,327 | 0 |
| 30 Sep 16 | 10,013 | 2,169 | 5,133 | 0 |
| 30 Jun 16 | 9,736 | 2,062 | 4,975 | 0 |
| 31 Mar 16 | 9,334 | 1,975 | 4,759 | 0 |
| 31 Dec 15 | 9,183 | 1,936 | 4,634 | 0 |
| 30 Sep 15 | 9,067 | 1,985 | 4,499 | 0 |
| 30 Jun 15 | 8,982 | 2,005 | 4,380 | 0 |
| 31 Mar 15 | 8,975 | 1,975 | 4,324 | 0 |
| 31 Dec 14 | 8,979 | 1,983 | 4,290 | 0 |
| 30 Sep 14 | 8,992 | 1,969 | 4,337 | 0 |
Quality Earnings: TFC has high quality earnings.
Growing Profit Margin: TFC became profitable in the past.
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: TFC's earnings have declined by 32.1% per year over the past 5 years.
Accelerating Growth: TFC has become profitable in the last year, making the earnings growth rate difficult to compare to its 5-year average.
Earnings vs Industry: TFC has become profitable in the last year, making it difficult to compare its past year earnings growth to the Banks industry (11.1%).
Return on Equity
High ROE: TFC's Return on Equity (8.1%) is considered low.
Return on Assets
Return on Capital Employed
Discover strong past performing companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/08/01 21:52 |
| End of Day Share Price | 2025/08/01 00:00 |
| Earnings | 2025/06/30 |
| Annual Earnings | 2024/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Truist Financial Corporation is covered by 59 analysts. 15 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Stephen Biggar | Argus Research Company |
| David George | Baird |
| Jason Goldberg | Barclays |