Truist Financial Corporation sells $5.5 billion auto-loan portfolio to reshape its lending strategy. Sale of $5.5B auto loans marks major strategic shift in lending portfolio with direct effects on revenue and risk profile.
| Nov 25 | Feb 26 | May 26 | Aug 26 | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Buy | — | — | — | — | — | — | — | — | — | — | — | — |
| Sell | — | 1 | — | 1 | 1 | — | — | — | — | 3 | — | — |
| total | individual payouts | |
|---|---|---|
| 2028 | ‡‡‡‡‡ |
|
| 2027 | ‡‡‡‡‡ |
|
| 2026 | 2.10 |
—
—
—
|
| 2025 | 2.08 |
—
—
—
—
|
| 2024 | 2.08 |
—
—
—
—
|
| 2023 | 2.08 |
—
—
—
—
|
| 2022 | 2.00 |
—
—
—
—
|
| 2021 | 1.86 |
—
—
—
—
|
| 2020 | 1.80 |
—
—
—
—
|
| 2019 | 1.71 |
—
—
—
—
|
| 2018 | 1.56 |
—
—
—
—
—
|
| 2017 | 1.26 |
—
—
—
—
|
| 2016 | 1.15 |
—
—
—
—
|
| 2023 | 2024 | 2025 | Q'26 | |
|---|---|---|---|---|
| Cash | 36,940.00 | 47,418.00 | 45,367.00 | 49,007.00 |
| Receivables | — | — | — | — |
| Inventory | — | — | — | — |
| Other | — | — | — | — |
| 345,483.00 | 350,332.00 | 370,815.00 | 376,297.00 |
| 2023 | 2024 | 2025 | Q'26 | |
|---|---|---|---|---|
| Payables | 395,865.00 | 390,524.00 | 400,398.00 | 409,379.00 |
| ST’ Debt | — | — | — | — |
| Other | — | — | — | — |
| 420,693.00 | 419,729.00 | 428,237.00 | 436,264.00 |
| 10y | 5y | 3y | |
| Sales | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Cash Flow | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Earnings | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Book Value | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 7,408.00 | 7,611.00 | — | — |
—
|
| ’25 | 7,380.00 | 7,554.00 | 7,844.00 | 7,660.00 |
30,438.00
|
| ’24 | 7,630.00 | 1,139.00 | 7,835.00 | 7,649.00 |
24,253.00
|
| ’23 | 7,205.00 | 7,555.00 | 7,561.00 | 7,629.00 |
29,950.00
|
| ’22 | 5,499.00 | 5,921.00 | 6,471.00 | 4,403.00 |
22,294.00
|
| ’21 | 5,691.00 | 5,848.00 | 5,791.00 | 5,734.00 |
23,064.00
|
| ’20 | 6,387.00 | 6,311.00 | 5,833.00 | 5,896.00 |
24,427.00
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 679.00 | 1,039.00 | — | — |
—
|
| ’25 | 746.00 | 914.00 | 1,497.00 | 2,582.00 |
5,739.00
|
| ’24 | (990.00) | 845.00 | 1,534.00 | 775.00 |
2,164.00
|
| ’23 | 118.00 | 3,730.00 | 2,407.00 | 2,376.00 |
8,631.00
|
| ’22 | (188.00) | 3,965.00 | 3,770.00 | 3,534.00 |
11,081.00
|
| ’21 | (33.00) | 3,336.00 | (218.00) | 4,807.00 |
7,892.00
|
| ’20 | 4,628.00 | (24.00) | 425.00 | 2,408.00 |
7,437.00
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 679.00 | 1,039.00 | — | — |
—
|
| ’25 | 746.00 | 914.00 | 1,497.00 | 2,582.00 |
5,739.00
|
| ’24 | (990.00) | 845.00 | 1,534.00 | 775.00 |
2,164.00
|
| ’23 | 118.00 | 3,730.00 | 2,407.00 | 2,376.00 |
8,631.00
|
| ’22 | (188.00) | 3,965.00 | 3,770.00 | 2,970.00 |
10,517.00
|
| ’21 | (132.00) | 3,161.00 | (532.00) | 4,365.00 |
7,450.00
|
| ’20 | 4,164.00 | (146.00) | 295.00 | 2,309.00 |
6,622.00
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 1.09 | 1.23 | — | — |
—
|
| ’25 | 0.87 | 0.90 | 1.04 | 1.00 |
3.82
|
| ’24 | 0.81 | 0.62 | 0.99 | 0.91 |
3.36
|
| ’23 | 1.05 | 0.92 | 0.80 | (3.85) |
(1.08)
|
| ’22 | 0.99 | 1.09 | 1.15 | 1.20 |
4.43
|
| ’21 | 0.98 | 1.16 | 1.20 | 1.13 |
4.47
|
| ’20 | 0.73 | 0.67 | 0.79 | 0.90 |
3.08
|
| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 40.01 | 25.56 | 34.23 | 33.56 | — | — | — |
Low Price
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 68.95 | 51.26 | 49.06 | 50.86 | — | — | — |
High Price
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 55,126 | 50,832 | 38,335 | 38,711 | — | — | — |
Employees
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.40 | 0.59 | 0.63 | 0.79 | — | — | — |
Revenue/Emp
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 22,294.00 | 29,950.00 | 24,253.00 | 30,438.00 | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
Revenue
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 89.59% | 66.85% | 54.75% | 66.76% | — | — | — |
Gross Margin
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 7,029.00 | (765.00) | (601.00) | 6,349.00 | — | — | — |
EBT
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 31.53% | (2.55%) | (2.48%) | 20.86% | ‡‡‡ | ‡‡‡ | ‡‡‡ |
EBT Margin
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 6,267.00 | (1,047.00) | 4,840.00 | 5,307.00 | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
Net Income
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1,366.00 | 7,293.00 | 979.00 | 837.00 | — | — | — |
Depreciation
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 16.79 | 22.49 | 18.22 | 23.65 | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
Revenue/Sh
|
| ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | 4.46 | (1.09) | 3.36 | 3.87 | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
Earnings/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 8.34 | 6.48 | 1.63 | 4.46 | — | — | — |
Cash Flow/Sh
|
| ‡‡‡‡‡ | ‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (0.42) | 0.00 | 0.00 | 0.00 | ‡‡‡ | ‡‡‡ | ‡‡‡ |
Capex/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 7.92 | 6.48 | 1.63 | 4.46 | — | — | — |
Free CF/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 45.58 | 44.49 | 47.84 | 50.66 | — | — | — |
Book Value/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1,328.12 | 1,331.96 | 1,331.09 | 1,286.79 | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
Shares
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 9.78 | 0.00 | 12.91 | 12.75 | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡ |
PE Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 2.60 | 1.67 | 2.38 | 2.08 | ‡‡‡ | ‡‡‡ | ‡‡‡ |
PS Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1.08 | 0.95 | 1.00 | 1.05 | ‡‡‡ | ‡‡‡ | ‡‡‡ |
PB Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 4.28 | 2.52 | 2.84 | 2.74 | ‡‡‡‡ | ‡‡‡ | ‡‡‡ |
EV/Sales
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 9.95 | 10.57 | 102.79 | 19.65 | — | — | — |
EV/FCF
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 11,081.00 | 8,631.00 | 2,164.00 | 5,739.00 | ‡‡‡ | ‡‡‡ | ‡‡‡ |
Op' Cash Flow
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (564.00) | — | — | — | — | — | — |
Capex
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 10,517.00 | 8,631.00 | 2,164.00 | 5,739.00 | — | — | — |
FCF
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (84,352.00) | (75,210.00) | (69,397.00) | (57,422.00) | — | — | — |
Working Cap'
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 66,940.00 | 38,918.00 | 34,956.00 | 41,963.00 | — | — | — |
Total Debt
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 37,433.00 | 1,978.00 | (12,462.00) | (3,404.00) | — | — | — |
Net Debt
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 60,537.00 | 59,253.00 | 63,679.00 | 65,189.00 | — | — | — |
Sh' Equity
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1.08% | (0.27%) | 0.84% | 0.92% | — | — | — |
ROA
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 4.78% | (0.78%) | (0.73%) | 6.42% | — | — | — |
ROIC
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 10.18% | (2.73%) | 8.10% | 8.43% | — | — | — |
ROE
|
Truist Financial Corporation (TFC), forged from the $66 billion 2019 BB&T-SunTrust merger, has emerged resilient from 2023’s regional banking crises, fortifying its balance sheet amid post-pandemic recovery. With revenue stabilizing at $24.3 billion in 2024 after merger-driven peaks, efficiency metrics shine—revenue per employee up 48% to $633k via 25% headcount cuts and tech optimizations—while EPS rebounds from -1.09 in 2023 to 3.36 in 2024 and a projected 4.48 by 2026. Trading near analyst lows with 8-23% upside potential, TFC’s 1x PB and 10-12x forward PE scream undervaluation for a delevered bank now net cash positive after slashing net debt 106%.
Profitability surges underscore the pivot: EBT margins swing from -2.5% in 2023 to 20.9% projected for 2025, net income rockets 562% to $4.8 billion in 2024, and ROE climbs to 8.4%, fueled by operating leverage and FCF recovery. Gross margins eye 67% expansion, ROIC turns positive at 6.4% for 2025, and share repurchases trim outstanding shares 3%, enhancing shareholder value amid a 40-50% payout ratio.
Analysts forecast 25% revenue growth to $30.4 billion in 2025, EPS to $5.1 by 2027, and sustained 8%+ ROE, powered by Southeast loan demand, digital platforms like Lightstream, AI risk models, and macro tailwinds from Fed cuts and CRE stabilization. Minor insider sells aside, TFC’s innovation-ready profile positions it for banking’s next growth chapter—read the full analysis for the quantitative edge.
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