Truist Financial Corporation (TFC) compounding analysis
Full-size annual and quarterly year-over-year growth charts for revenue, EPS, operating cash flow, EBITDA, and free cash flow against the 15%, 20%, and 30% bars over 3-, 5-, and 10-year windows, with each metric's valuation multiple vs its own history.
Revenue · 5YDoes not currently clear the 15%+, 20%+, or 30%+ revenue bars over 5Y.
- Score
- 8/100
- 5Y CAGR
- 4.5%
- Median YoY
- 0.8%
- YoY volatility
- σ 127.8pp· choppy
- Quarters ≥ 20%
- 4 of 20
- Negative quarters
- 7
- Valuation vs own 5Y history
- P/S 2.1x · 5Y median 2.2x · 48th percentile
How this score is computed
- Quarters at or above 20%: 4 of 20 → 8 of 40 pts
- Steadiness (typical swing 127.8pp) → 0 of 25 pts
- Pace (median 0.8% YoY) → 0 of 20 pts
- Latest quarter (0.4% YoY) → 0 of 15 pts
- Score: 8 of 100
Annual revenue · last 11 fiscal years
Quarterly YoY revenue growth vs the 20% line · 5Y
P/S multiple vs its 5Y median · context only
Across metrics · 5Y
| Metric | 5Y CAGR | Median YoY | YoY σ | Qtrs ≥ 20% | Neg. qtrs |
|---|---|---|---|---|---|
| RevenueRevenue | 4.5% | 0.8% | 127.8pp | 4 of 20 | 7 |
| EPSEPS | 4.4% | 6.2% | 28.2pp | 7 of 19 | 7 |
| Op cash flowOperating cash flow | -5.1% | — | — | — | — |
| EBITDAEBITDA | -0.1% | 0.4% | 22.1pp | 4 of 17 | 7 |
| FCFFree cash flow | -2.8% | — | — | — | — |
Reported figures over 5Y: annual-series CAGR, median and standard deviation (σ, percentage points) of quarterly year-over-year growth, quarters at or above 20%, and quarters with negative YoY. “—” means the window needs more comparable data.
Scores, qualification bars, and the 0–100 consistency methodology are documented on the compounders list page →
See also: TFC on the compounders surface · All compounders, ranked
About Truist Financial Corporation
Truist Financial Corporation operates as a diversified financial holding company, providing an extensive array of banking and trust services throughout the Southeastern and Mid-Atlantic regions of the United States. Its business activities are structured across three main segments: Consumer Banking and Wealth, Corporate and Commercial Banking, and Insurance Holdings. The corporation offers a broad spectrum of deposit products, including both interest-bearing and noninterest-bearing checking accounts, savings accounts, money market deposit accounts, certificates of deposit (CDs), and individual retirement accounts (IRAs). Beyond deposit services, Truist delivers a comprehensive suite of financial solutions. These include various lending options such as automobile, bankcard, consumer, home equity, mortgage, small business, and student loans, alongside specialized commercial financing for areas like floor plan, real estate, and mortgage warehousing, as well as lease and supply chain financing. The company also provides extensive wealth management and investment services, encompassing asset management, investment brokerage, private banking, capital markets, institutional trust, and private equity investment solutions. Further offerings include corporate and investment banking, securities underwriting, and advisory services. Additionally, Truist offers a wide range of insurance products, covering property and casualty, life, health, employee benefits, workers' compensation, professional liability, surety, and title insurance. Digital banking platforms (mobile and online), payment processing, international banking, merchant services, and treasury management are also integral parts of its service portfolio. Headquartered in Charlotte, North Carolina, Truist Financial Corporation was founded in 1872. As of December 31, 2021, the company maintained a substantial presence with 2,517 banking offices. The organization officially adopted its current name, Truist Financial Corporation, in December 2019, having previously operated as BB&T Corporation.
- Sector
- Financial Services
- Industry
- Banks - Regional
- CEO
- William Henry Rogers Jr.