Aureus
COkay

Truist Financial Corporation(TFC)

C

Financial data as of Dec 31, 2025Improving · Financials

FCF Margin28.2%Free Cash Flow / Revenue
Cash Conversion108.1%Operating CF / Net Income
Free Cash Flow$5.7B
Revenue$20.3B
Net Cash-$27.9BNet debt position
Debt / FCF11.2xElevated debt burden
Current Ratio0.00Tight short-term liquidity
YoY FCF Growth+200.0%5 of 5 quarters positive

How This Grade Was Calculated

Base grade from FCF margin, adjusted by financial health factors

BaseA
→
-2Very high debt-to-FCF ratio (11.2x)
→
-1Current ratio below 1.0 (0.00)
→
+1Strong YoY FCF growth (200.0% YoY)
→
FinalC

Analysis Summary

Strengths

  • Exceptional FCF margin (28.2%)
  • Excellent cash conversion (108%)
  • Strong YoY FCF growth (+200.0%)

Concerns

  • Heavy debt position ($27.9B net debt, 11.2x FCF)
  • High debt-to-FCF ratio (11.2x)
  • Current ratio below 1.0 — tight short-term liquidity

Financial Breakdown

Key financials compared side by side

Margin Composition

FCF Margin28.2%
Net Margin26.1%
Operating CF Margin28.2%
CapEx Ratio0.0%

Balance Sheet Health

Debt, liquidity, and leverage snapshot

Net Cash-$27.9BNet debt position
Debt / FCF11.2xElevated debt burden
Current Ratio0.00Tight liquidity
Debt / Equity1.07Moderate leverage

Quarterly FCF Trend

+200.0% YoYImproving (+200.0%)

Free cash flow per quarter

Sector Comparison — Financials

FCF Margin ranked against sector peers

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Detailed Metrics

Company NameTruist Financial Corporation
SectorFinancials
Free Cash Flow$5.7B
Revenue$20.3B
Net Income$5.3B
Operating Cash Flow$5.7B
Capital Expenditure$0
FCF Margin28.2%
Cash Conversion Rate108.1%
Net Margin26.1%
Total Debt$64.3B
Total Cash$36.4B
Net Cash-$27.9B
Current Ratio0.00
Debt / Equity1.07
Debt / FCF11.2x
YoY FCF Growth+200.0%
Positive Quarters5 of 5
Trend DirectionImproving
Report DateDec 31, 2025
GradeC
Data SourceYahoo Finance