TFC Truist Financial Corporation
Financial Services
Price
$52.02
Intrinsic value
$41.37
Buy price
$33.09
Discount
-25.8%
DCF walkthrough
This ticker is valued with the excess-return model (bank/insurer/lender), not the operating-cash-flow DCF, so growth-rate and years-of-growth sliders don't apply - only the discount rate (used as cost of equity) and margin of safety do.
Discount rate9.00%
Margin of safety20.00%
- Operating CF
- $5,672,000,000.00
- Total debt
- $73,295,003,648.00
- Cash & STI
- $50,461,999,104.00
- Shares out.
- 1,239,040,000
Overvalued
Intrinsic value$41.55
Buy price (with MOS)$33.24
Current price$52.02
Discount to intrinsic value-25.2%
7-step quality scorecard
ROE quality
LOW- Average ROE
- 6.1%
- Current ROE
- 8.1%
- Minimum ROE
- -1.8%
Debt quality
LEVERAGED- Debt / Equity
- 1.12x
Moat proxy
WEAK_PROXYCash-flow reliability
NOT_APPLICABLE- Operating CF / Net income
- 1.03x
Technical chart
Confluence: WEAK (1/3)Weekly candles, ~3 years. Yellow line: 10-week EMA. Dashed lines: Fibonacci retracement of the last 52-week swing. Green arrow: an active DR1 support reclaim.
Assumptions & data quality
- Data source
- yfinance
- Growth (g1) source
- sector_default_fallback
- Valuation model
- EXCESS_RETURN
- Debt as % of DCF PV
- 147.6%
- Public economic interest
- 100.0%
These are model outputs built on assumptions (growth rate, discount rate, margin of safety), not facts - trust but verify, especially for LOW cash-flow-reliability or UNKNOWN-quality rows.