Last 46 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Truist Financial Corporation's quarterly P/E stands at 12.7x, up 17.6% year-over-year — indicating the stock has re-rated higher or earnings have softened. EV/EBITDA has expanded 28.4% YoY to 12.1x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 14.81 | 12.70 | 11.94 | 11.82 | 11.92 | 10.80 | 15.67 | 12.03 | — | 8.94 | 8.25 | 8.12 | 8.96 |
| — | +17.6% | -23.8% | -1.7% | — | +20.8% | +89.9% | +48.2% | — | -5.5% | -24.2% | -43.3% | -30.8% | |
| P/S Ratio | 2.70 | 1.90 | 1.86 | 1.85 | 1.89 | 1.84 | 11.41 | 1.72 | 1.46 | 1.27 | 1.34 | 1.58 | 1.91 |
| — | +3.3% | -83.7% | +7.3% | +29.4% | +45.2% | +749.6% | +8.5% | -23.4% | -43.6% | -49.9% | -54.2% | -44.7% | |
| P/B Ratio | 1.04 | 0.91 | 0.87 | 0.84 | 0.91 | 0.88 | 0.81 | 0.89 | 0.83 | 0.62 | 0.64 | 0.73 | 0.95 |
| — | +3.5% | +6.2% | -5.2% | +9.3% | +42.0% | +27.8% | +21.4% | -12.6% | -35.4% | -36.8% | -37.4% | -16.3% | |
| P/FCF | 30.26 | 9.96 | 15.35 | 18.26 | 18.66 | 9.40 | 15.38 | — | 5.18 | 3.98 | 2.72 | 96.77 | 4.84 |
| — | +6.0% | -0.2% | — | +260.2% | +136.1% | +465.4% | — | +7.0% | +3.2% | -32.3% | — | +15.3% | |
| EV / EBITDA | 232.75 | 12.11 | 10.97 | 9.70 | 11.22 | 9.43 | — | 12.72 | — | 11.27 | 11.66 | 12.12 | 10.61 |
| — | +28.4% | — | -23.8% | — | -16.4% | — | +4.9% | — | +13.3% | +24.9% | +17.9% | -1.1% | |
| EV / EBIT | — | 13.52 | 12.51 | 11.09 | 12.93 | 10.69 | — | 15.27 | — | 13.87 | 14.17 | 14.29 | 12.53 |
| — | +26.4% | — | -27.4% | — | -22.9% | — | +6.9% | — | +20.0% | +28.5% | +16.7% | -0.5% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Truist Financial Corporation's operating margin was 22.1% in Q3 2025, up 2.1 pp QoQ and up 0.3 pp YoY. The trailing four-quarter average of 20.8% lags the current quarter, suggesting the recent improvement is above-trend.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 47.0% | 60.6% | 59.6% | 60.2% | 60.0% | 59.2% | -187.5% | 56.6% | 60.9% | 57.8% | 58.8% | 66.4% | 77.1% |
| — | +2.3% | +131.8% | +6.3% | -1.4% | +2.4% | -418.7% | -14.8% | -21.1% | -33.3% | -36.5% | -32.6% | -22.0% | |
| Operating Margin | -2.5% | 22.1% | 20.0% | 20.8% | 20.3% | 21.8% | -459.2% | 17.9% | -61.2% | 17.4% | 18.5% | 24.6% | 26.8% |
| — | +1.5% | +104.4% | +16.3% | +133.2% | +25.8% | -2579.7% | -27.2% | -328.5% | -43.9% | -42.4% | -22.6% | -22.5% | |
| Net Margin | 19.9% | 18.5% | 16.4% | 17.1% | 16.7% | 18.4% | 79.3% | 15.7% | -60.4% | 15.6% | 17.3% | 21.0% | 22.3% |
| — | +0.6% | -79.3% | +8.9% | +127.6% | +18.2% | +357.6% | -25.3% | -371.1% | -38.3% | -33.0% | -18.4% | -20.7% |
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 7.8% | 2.2% | 1.9% | 2.0% | 2.0% | 2.2% | 1.5% | 2.0% | -8.4% | 1.9% | 2.1% | 2.5% | 2.8% |
| — | -0.0% | +30.3% | -2.9% | +123.5% | +18.9% | -29.2% | -17.8% | -403.0% | -29.0% | -13.2% | +16.8% | +19.5% | |
| ROA | 0.9% | 0.3% | 0.2% | 0.2% | 0.2% | 0.3% | 0.2% | 0.2% | -0.9% | 0.2% | 0.2% | 0.3% | 0.3% |
| — | -3.4% | +34.2% | +5.6% | +125.6% | +28.9% | -26.2% | -16.5% | -410.0% | -28.2% | -17.5% | +2.7% | +1.8% | |
| ROIC | -0.4% | 1.0% | 0.9% | 0.9% | 0.9% | 1.1% | -3.2% | 0.8% | -3.1% | 0.8% | 0.7% | 0.9% | 1.2% |
| — | -6.4% | +128.9% | +12.2% | +130.3% | +39.3% | -538.1% | -11.9% | -350.4% | -43.2% | -46.4% | -22.9% | -6.4% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Truist Financial Corporation's Debt/EBITDA ratio is 36.7x, up from 35.4x last quarter — elevated, raising questions about debt serviceability. The current ratio has weakened 5.6% YoY to 0.13x, tightening the short-term liquidity position. Debt/Equity has risen for 3 consecutive quarters, indicating increasing financial leverage that investors should watch closely.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.98 | 1.08 | 0.94 | 0.86 | 0.98 | 0.84 | 0.90 | 1.11 | 1.05 | 1.04 | 1.08 | 1.49 | 1.07 |
| — | +29.2% | +4.7% | -22.1% | -6.7% | -19.1% | -16.6% | -25.8% | -2.5% | +11.5% | +55.9% | +151.9% | +82.1% | |
| Debt / EBITDA | 164.72 | 36.67 | 35.40 | 31.77 | 34.77 | 28.41 | — | 39.93 | — | 39.82 | 40.44 | 44.62 | 27.30 |
| — | +29.1% | — | -20.4% | — | -28.7% | — | -10.5% | — | +63.8% | +108.4% | +140.6% | +54.3% | |
| Current Ratio | 0.14 | 0.13 | 0.14 | 0.14 | 0.14 | 0.14 | 0.14 | 0.12 | 0.26 | 0.11 | 0.11 | 0.12 | 0.24 |
| — | -5.6% | +2.8% | +20.8% | -46.3% | +25.7% | +29.9% | -4.4% | +7.3% | +39.2% | +28.2% | -57.1% | -44.4% | |
| Quick Ratio | 0.14 | 0.13 | 0.14 | 0.14 | 0.14 | 0.14 | 0.14 | 0.12 | 0.26 | 0.11 | 0.11 | 0.12 | 0.24 |
| — | -5.6% | +2.8% | +20.8% | -46.3% | +25.7% | +29.9% | -4.4% | +7.3% | +39.2% | +28.2% | -57.1% | -44.4% | |
| Interest Coverage | -0.05 | 0.65 | 0.59 | 0.62 | 0.60 | 0.62 | -1.85 | 0.49 | -1.89 | 0.49 | 0.54 | 0.92 | 1.61 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 46 years · Updated daily
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Truist Financial Corporation's current P/E is 14.8x. The average P/E over the last 4 quarters is 12.1x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Truist Financial Corporation's current operating margin is -2.5%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Truist Financial Corporation's business trajectory between earnings reports.