TFC
TRUIST FINANCIAL CORPORATIONData updated: 2026-04-21 · Current price: $46.96
Composite Score: 32
PASS
Score: 32 / 100
Insufficient margin of safety — pass on this opportunity
Profitability
17
Growth
14
Valuation
33
Moat
8
Stability
57
Business Quality
ROE · Gross Margin · Revenue Growth
ROE
8.1%
Quality threshold: > 15%
Gross Margin
N/A
Quality threshold: > 40%
Rev. Growth (5yr)
0.0%
Quality threshold: > 5%
5-Year ROE: 8.1% → 7.6% → -1.8% → 10.4% → 9.3%|5-Year Gross Margin: 0.0% → 0.0% → 0.0% → 0.0% → 0.0%
Financial Strength
Debt Ratio · Free Cash Flow · Current Ratio
Debt / Equity
7.4
Quality threshold: < 0.5
FCF (5yr avg)
7.3B $
Quality threshold: > 0
Current Ratio
1.14x
Quality threshold: > 1.5
FCF Trend (B USD)
$5.7B2022
$2.2B2023
$8.6B2024
$11.6B2025
$8.3B2026
Valuation
Intrinsic Value · Margin of Safety
Owner Earnings
$5.3B
Net Income + D&A - CapEx
Current Price
$46.96
Source: Alpha Vantage
💡 Valuation Note: Intrinsic value based on DCF model, adjustable above. Visit the DCF Calculator for full three-stage valuation.
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