Truist Financial Valuation
Is TFC * undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
2/6Valuation Score 2/6
Below Fair Value
Significantly Below Fair Value
Price-To-Book vs Peers
Price-To-Book vs Industry
Price-To-Book vs Fair Ratio
Analyst Forecast
Share Price vs Fair Value
What is the Fair Price of TFC * when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: TFC * (MX$895) is trading above our estimate of fair value (MX$136.78)
Significantly Below Fair Value: TFC * is trading above our estimate of fair value.
Key Valuation Metric
Which metric is best to use when looking at relative valuation for TFC *?
Key metric: As TFC * is an unprofitable bank we use its Price-To-Book Ratio for relative valuation analysis.
| What is TFC *'s PB Ratio? | |
|---|---|
| PB Ratio | 1.1x |
| Book | US$59.02b |
| Market Cap | US$63.67b |
| Key Statistics | |
|---|---|
| Enterprise Value/Revenue | n/a |
| Enterprise Value/EBITDA | n/a |
| PEG Ratio | n/a |
Price to Book Ratio vs Peers
How does TFC *'s PB Ratio compare to its peers?
| Company | Forward PB | Estimated Growth | Market Cap |
|---|---|---|---|
| Peer Average | 1.5x | ||
R A Regional. de | 1.2x | 3.5% | Mex$37.4b |
GFNORTE O Grupo Financiero Banorte. de | 1.6x | 4.1% | Mex$402.5b |
ELEKTRA * Grupo Elektra. de | 2.3x | n/a | Mex$209.5b |
GFINBUR O Grupo Financiero Inbursa. de | 1.1x | 3.8% | Mex$275.9b |
TFC * Truist Financial | 1.1x | 57.5% | Mex$63.7b |
Price-To-Book vs Peers: TFC * is good value based on its Price-To-Book Ratio (1.1x) compared to the peer average (1.5x).
Price to Book Ratio vs Industry
How does TFC *'s PB Ratio compare vs other companies in the South American Banks Industry?
| 1 Company | Price / Book | Estimated Growth | Market Cap |
|---|---|---|---|
| 1 Company | Estimated Growth | Market Cap | |
|---|---|---|---|
Price-To-Book vs Industry: TFC * is good value based on its Price-To-Book Ratio (1.1x) compared to the South American Banks industry average (1.1x).
Price to Book Ratio vs Fair Ratio
What is TFC *'s PB Ratio compared to its Fair PB Ratio? This is the expected PB Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
| Fair Ratio | |
|---|---|
| Current PB Ratio | 1.1x |
| Fair PB Ratio | n/a |
Price-To-Book vs Fair Ratio: Insufficient data to calculate TFC *'s Price-To-Book Fair Ratio for valuation analysis.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
| Date | Share Price | Average 1Y Price Target | Dispersion | High | Low | 1Y Actual price | Analysts |
|---|---|---|---|---|---|---|---|
| Current | n/a | Mex$969.49 0% | 3.6% | Mex$1,056.41 | Mex$914.20 | n/a | 21 |
| Nov ’25 | n/a | Mex$945.67 0% | 3.6% | Mex$1,000.80 | Mex$880.70 | n/a | 21 |
| Oct ’25 | n/a | Mex$923.58 0% | 5.0% | Mex$1,004.82 | Mex$827.50 | n/a | 21 |
| Sep ’25 | n/a | Mex$903.70 0% | 5.1% | Mex$985.94 | Mex$811.95 | n/a | 22 |
| Aug ’25 | n/a | Mex$871.60 0% | 5.7% | Mex$957.38 | Mex$769.66 | n/a | 23 |
| Jul ’25 | n/a | Mex$789.47 0% | 6.7% | Mex$863.17 | Mex$624.42 | n/a | 23 |
| Jun ’25 | n/a | Mex$730.22 0% | 6.8% | Mex$796.98 | Mex$576.54 | n/a | 23 |
| May ’25 | n/a | Mex$722.81 0% | 7.9% | Mex$850.89 | Mex$578.61 | n/a | 21 |
| Apr ’25 | Mex$632.00 | Mex$685.79 +8.5% | 9.8% | Mex$831.21 | Mex$517.01 | n/a | 22 |
| Mar ’25 | Mex$603.23 | Mex$699.15 +15.9% | 10.0% | Mex$855.90 | Mex$532.37 | n/a | 22 |
| Feb ’25 | n/a | Mex$698.80 0% | 9.5% | Mex$854.33 | Mex$531.39 | n/a | 24 |
| Jan ’25 | n/a | Mex$627.38 0% | 13.0% | Mex$849.01 | Mex$475.44 | n/a | 25 |
| Dec ’24 | Mex$560.00 | Mex$609.57 +8.9% | 14.9% | Mex$868.18 | Mex$486.18 | n/a | 24 |
| Nov ’24 | n/a | Mex$615.27 0% | 16.4% | Mex$890.62 | Mex$427.50 | n/a | 24 |
| Oct ’24 | Mex$500.00 | Mex$623.54 +24.7% | 13.3% | Mex$858.78 | Mex$498.09 | n/a | 24 |
| Sep ’24 | n/a | Mex$634.99 0% | 11.6% | Mex$856.50 | Mex$505.34 | n/a | 24 |
| Aug ’24 | Mex$556.00 | Mex$630.13 +13.3% | 12.3% | Mex$908.75 | Mex$521.69 | n/a | 24 |
| Jul ’24 | Mex$523.00 | Mex$661.82 +26.5% | 15.3% | Mex$924.45 | Mex$496.47 | n/a | 22 |
| Jun ’24 | n/a | Mex$729.37 0% | 15.5% | Mex$955.91 | Mex$548.77 | n/a | 22 |
| May ’24 | Mex$586.00 | Mex$775.68 +32.4% | 14.9% | Mex$1,031.56 | Mex$561.02 | n/a | 22 |
| Apr ’24 | Mex$606.00 | Mex$915.01 +51.0% | 12.3% | Mex$1,027.28 | Mex$558.69 | Mex$632.00 | 22 |
| Mar ’24 | n/a | Mex$964.48 0% | 7.8% | Mex$1,101.35 | Mex$770.95 | Mex$603.23 | 22 |
| Feb ’24 | Mex$916.41 | Mex$982.25 +7.2% | 8.7% | Mex$1,129.46 | Mex$790.62 | n/a | 22 |
| Jan ’24 | n/a | Mex$1,018.39 0% | 10.4% | Mex$1,191.53 | Mex$820.39 | n/a | 22 |
| Dec ’23 | Mex$890.95 | Mex$1,024.41 +15.0% | 10.7% | Mex$1,192.33 | Mex$820.95 | Mex$560.00 | 22 |
| Nov ’23 | Mex$876.03 | Mex$1,051.96 +20.1% | 10.4% | Mex$1,226.54 | Mex$844.50 | n/a | 22 |
Analyst Forecast: Target price is lower than the current share price.
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