Truist Financial Corp Stock Z Score

TFC Stock

USD 39.47 0.37 0.95%

Altman Z Score is one of the simplest fundamental models to determine how likely your company is to fail. The module uses available fundamental data of a given equity to approximate the Altman Z score. Altman Z Score is determined by evaluating five fundamental price points available from the company's current public disclosure documents. Check out Truist Financial Piotroski F Score and Truist Financial Valuation analysis.

At present, Truist Financial's Capital Stock is projected to increase significantly based on the last few years of reporting. The current year's Capital Expenditures is expected to grow to about 13.1 B, whereas Net Invested Capital is forecasted to decline to about 105.8 B. At present, Truist Financial's EBITDA is projected to decrease significantly based on the last few years of reporting. The current year's Total Operating Expenses is expected to grow to about 5.3 B, whereas Operating Income is projected to grow to (41.8 M).

Truist Financial Corp Company Z Score Analysis

Truist Financial's Z-Score is a simple linear, multi-factor model that measures the financial health and economic stability of a company. The score is used to predict the probability of a firm going into bankruptcy within next 24 months or two fiscal years from the day stated on the accounting statements used to calculate it. The model uses five fundamental business ratios that are weighted according to algorithm of Professor Edward Altman who developed it in the late 1960s at New York University..

Z Score

Sum Of

5 Factors

More About Z Score | All Equity Analysis

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

Truist Z Score Driver Correlations

Understanding the fundamental principles of building solid financial models for Truist Financial is extremely important. It helps to project a fair market value of Truist Stock properly, considering its historical fundamentals such as Z Score. Since Truist Financial's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Truist Financial's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Truist Financial's interrelated accounts and indicators.

	Total Assets	Total Stockholder Equity	Net Debt	Retained Earnings	Total Liab	Total Current Assets	Short Term Debt	Common Stock	Good Will	Short Term Investments	Intangible Assets	Accounts Payable	Net Receivables	Net Tangible Assets	Long Term Debt	Long Term Debt Total	Capital Surpluse	Long Term Investments	Property Plant Equipment	Earning Assets	Current Deferred Revenue	Short Long Term Debt	Net Invested Capital	Capital Stock
Total Assets		0.98	0.64	0.92	1.0	-0.13	0.8	0.89	0.9	0.51	0.98	0.96	0.9	0.86	0.93	0.9	0.96	0.44	0.91	0.93	0.61	0.77	0.94	0.95
Total Stockholder Equity	0.98		0.64	0.9	0.97	0.0	0.69	0.93	0.93	0.63	0.94	0.91	0.81	0.94	0.93	0.88	0.94	0.59	0.92	0.85	0.59	0.7	0.92	0.93
Net Debt	0.64	0.64		0.75	0.63	-0.04	0.61	0.78	0.73	0.27	0.63	0.48	0.45	0.53	0.73	0.72	0.51	0.32	0.61	0.41	0.25	0.75	0.62	0.48
Retained Earnings	0.92	0.9	0.75		0.92	0.06	0.73	0.84	0.83	0.43	0.89	0.79	0.8	0.73	0.83	0.79	0.8	0.34	0.77	0.79	0.41	0.73	0.79	0.77
Total Liab	1.0	0.97	0.63	0.92		-0.14	0.81	0.89	0.89	0.5	0.98	0.96	0.91	0.84	0.92	0.89	0.96	0.41	0.91	0.94	0.61	0.78	0.94	0.95
Total Current Assets	-0.13	0.0	-0.04	0.06	-0.14		-0.53	0.0	-0.08	0.26	-0.3	-0.34	-0.41	0.01	-0.28	-0.33	-0.31	0.17	-0.25	-0.36	-0.32	-0.56	-0.37	-0.28
Short Term Debt	0.8	0.69	0.61	0.73	0.81	-0.53		0.6	0.59	-0.03	0.86	0.82	0.88	0.51	0.76	0.79	0.82	0.18	0.69	0.83	0.49	0.92	0.81	0.73
Common Stock	0.89	0.93	0.78	0.84	0.89	0.0	0.6		0.98	0.67	0.85	0.81	0.7	0.9	0.93	0.92	0.83	0.5	0.94	0.73	0.55	0.72	0.88	0.85
Good Will	0.9	0.93	0.73	0.83	0.89	-0.08	0.59	0.98		0.74	0.88	0.84	0.73	0.92	0.95	0.91	0.85	0.5	0.94	0.76	0.57	0.74	0.91	0.88
Short Term Investments	0.51	0.63	0.27	0.43	0.5	0.26	-0.03	0.67	0.74		0.45	0.46	0.29	0.74	0.57	0.44	0.47	0.51	0.6	0.37	0.4	0.14	0.52	0.58
Intangible Assets	0.98	0.94	0.63	0.89	0.98	-0.3	0.86	0.85	0.88	0.45		0.97	0.95	0.82	0.94	0.91	0.97	0.37	0.91	0.95	0.64	0.85	0.97	0.95
Accounts Payable	0.96	0.91	0.48	0.79	0.96	-0.34	0.82	0.81	0.84	0.46	0.97		0.95	0.84	0.91	0.9	0.99	0.39	0.92	0.98	0.68	0.79	0.96	0.98
Net Receivables	0.9	0.81	0.45	0.8	0.91	-0.41	0.88	0.7	0.73	0.29	0.95	0.95		0.67	0.82	0.84	0.92	0.15	0.82	0.98	0.59	0.82	0.89	0.89
Net Tangible Assets	0.86	0.94	0.53	0.73	0.84	0.01	0.51	0.9	0.92	0.74	0.82	0.84	0.67		0.9	0.85	0.88	0.72	0.93	0.73	0.58	0.58	0.88	0.89
Long Term Debt	0.93	0.93	0.73	0.83	0.92	-0.28	0.76	0.93	0.95	0.57	0.94	0.91	0.82	0.9		0.97	0.93	0.53	0.96	0.84	0.62	0.85	0.97	0.93
Long Term Debt Total	0.9	0.88	0.72	0.79	0.89	-0.33	0.79	0.92	0.91	0.44	0.91	0.9	0.84	0.85	0.97		0.91	0.41	0.97	0.85	0.6	0.88	0.94	0.9
Capital Surpluse	0.96	0.94	0.51	0.8	0.96	-0.31	0.82	0.83	0.85	0.47	0.97	0.99	0.92	0.88	0.93	0.91		0.48	0.94	0.95	0.67	0.79	0.98	0.98
Long Term Investments	0.44	0.59	0.32	0.34	0.41	0.17	0.18	0.5	0.5	0.51	0.37	0.39	0.15	0.72	0.53	0.41	0.48		0.49	0.22	0.28	0.19	0.49	0.49
Property Plant Equipment	0.91	0.92	0.61	0.77	0.91	-0.25	0.69	0.94	0.94	0.6	0.91	0.92	0.82	0.93	0.96	0.97	0.94	0.49		0.86	0.64	0.79	0.95	0.94
Earning Assets	0.93	0.85	0.41	0.79	0.94	-0.36	0.83	0.73	0.76	0.37	0.95	0.98	0.98	0.73	0.84	0.85	0.95	0.22	0.86		0.64	0.77	0.9	0.94
Current Deferred Revenue	0.61	0.59	0.25	0.41	0.61	-0.32	0.49	0.55	0.57	0.4	0.64	0.68	0.59	0.58	0.62	0.6	0.67	0.28	0.64	0.64		0.47	0.69	0.68
Short Long Term Debt	0.77	0.7	0.75	0.73	0.78	-0.56	0.92	0.72	0.74	0.14	0.85	0.79	0.82	0.58	0.85	0.88	0.79	0.19	0.79	0.77	0.47		0.85	0.73
Net Invested Capital	0.94	0.92	0.62	0.79	0.94	-0.37	0.81	0.88	0.91	0.52	0.97	0.96	0.89	0.88	0.97	0.94	0.98	0.49	0.95	0.9	0.69	0.85		0.96
Capital Stock	0.95	0.93	0.48	0.77	0.95	-0.28	0.73	0.85	0.88	0.58	0.95	0.98	0.89	0.89	0.93	0.9	0.98	0.49	0.94	0.94	0.68	0.73	0.96

Click cells to compare fundamentals

To calculate a Z-Score, one would need to know a company's current working capital, its total assets and liabilities, and the amount of its latest earnings as well as earnings before interest and tax. Z-Scores can be used to compare the odds of bankruptcy of companies in a similar line of business or firms operating in the same industry. Companies with Z-Scores above 3.1 are generally considered to be stable and healthy with a low probability of bankruptcy. Scores that fall between 1.8 and 3.1 lie in a so-called 'grey area,' with scores of less than 1 indicating the highest probability of distress. Z Score is a used widely measure by financial auditors, accountants, money managers, loan processors, wealth advisers, and day traders. In the last 25 years, many financial models that utilize z-scores proved it to be successful as a predictor of corporate bankruptcy.

Competition

Predict Truist Financial

Based on the company's disclosures, Truist Financial Corp has a Z Score of 0.0. This is 100.0% lower than that of the Banks sector and about the same as Financials (which currently averages 0.0) industry. The z score for all United States stocks is 100.0% higher than that of the company.

Truist Financial ESG Sustainability

Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Truist Financial's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Truist Financial's managers, analysts, and investors.

Environment Score

Governance Score

Social Score

Truist Financial Institutional Holders

Institutional Holdings refers to the ownership stake in Truist Financial that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of Truist Financial's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Truist Financial's value.

		Shares
Royal Bank Of Canada	2023-12-31	15.7 M
Northern Trust Corp	2023-12-31	12.9 M
Goldman Sachs Group Inc	2023-12-31	11.8 M
Bank Of New York Mellon Corp	2023-12-31	11.2 M
Harris Associates L.p.	2023-12-31	10.3 M
Legal & General Group Plc	2023-12-31	10.3 M
Federated Hermes Inc	2023-12-31	10 M
Macquarie Group Ltd	2023-12-31	9.9 M
American Century Companies Inc	2023-12-31	9.7 M
Vanguard Group Inc	2023-12-31	118 M
Blackrock Inc	2023-12-31	97.5 M

Truist Fundamentals

	Return On Equity	-0.0218
	Return On Asset	-0.0024
	Profit Margin	(0.07) %
	Operating Margin	0.38 %
	Current Valuation	83.21 B
	Shares Outstanding	1.34 B
	Shares Owned By Insiders	0.26 %
	Shares Owned By Institutions	72.69 %
	Number Of Shares Shorted	13.35 M
	Price To Earning	11.07 X
	Price To Book	0.94 X
	Price To Sales	2.31 X
	Revenue	33.33 B
	Gross Profit	22.26 B
	EBITDA	665 M
	Net Income	(1.09 B)
	Cash And Equivalents	30.66 B
	Cash Per Share	23.11 X
	Total Debt	65.15 B
	Book Value Per Share	38.97 X
	Cash Flow From Operations	7.84 B
	Short Ratio	1.55 X
	Earnings Per Share	(1.31) X
	Price To Earnings To Growth	2.62 X
	Target Price	42.52
	Number Of Employees	49.22 K
	Beta	1.06
	Market Capitalization	52.81 B
	Total Asset	538.98 B
	Retained Earnings	22.09 B
	Annual Yield	0.05 %
	Five Year Return	3.29 %
	Net Asset	538.98 B
	Last Dividend Paid	2.08

About Truist Financial Fundamental Analysis

The Macroaxis Fundamental Analysis modules help investors analyze Truist Financial Corp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Truist Financial using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Truist Financial Corp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.

Please read more on our fundamental analysis page.

Truist Financial Investors Sentiment

The influence of Truist Financial's investor sentiment on the probability of its price appreciation or decline could be a good factor in your decision-making process regarding taking a position in Truist. The overall investor sentiment generally increases the direction of a stock movement in a one-year investment horizon. However, the impact of investor sentiment on the entire stock market does not have solid backing from leading economists and market statisticians.

Investor biases related to Truist Financial's public news can be used to forecast risks associated with an investment in Truist. The trend in average sentiment can be used to explain how an investor holding Truist can time the market purely based on public headlines and social activities around Truist Financial Corp. Please note that most equities that are difficult to arbitrage are affected by market sentiment the most.

Truist Financial's market sentiment shows the aggregated news analyzed to detect positive and negative mentions from the text and comments. The data is normalized to provide daily scores for Truist Financial's and other traded tickers. The bigger the bubble, the more accurate is the estimated score. Higher bars for a given day show more participation in the average Truist Financial's news discussions. The higher the estimated score, the more favorable is the investor's outlook on Truist Financial.

Truist Financial Implied Volatility

26.07

Truist Financial's implied volatility exposes the market's sentiment of Truist Financial Corp stock's possible movements over time. However, it does not forecast the overall direction of its price. In a nutshell, if Truist Financial's implied volatility is high, the market thinks the stock has potential for high price swings in either direction. On the other hand, the low implied volatility suggests that Truist Financial stock will not fluctuate a lot when Truist Financial's options are near their expiration.

Some investors attempt to determine whether the market's mood is bullish or bearish by monitoring changes in market sentiment. Unlike more traditional methods such as technical analysis, investor sentiment usually refers to the aggregate attitude towards Truist Financial in the overall investment community. So, suppose investors can accurately measure the market's sentiment. In that case, they can use it for their benefit. For example, some tools to gauge market sentiment could be utilized using contrarian indexes, Truist Financial's short interest history, or implied volatility extrapolated from Truist Financial options trading.

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When determining whether Truist Financial Corp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Truist Financial's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Truist Financial Corp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Truist Financial Corp Stock:

How To Invest In Truist

Details

Is Truist Stock a good investment?

Details

What is Truist Financial's Net Worth?

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Check out Truist Financial Piotroski F Score and Truist Financial Valuation analysis.

Note that the Truist Financial Corp information on this page should be used as a complementary analysis to other Truist Financial's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try the Investing Opportunities module to build portfolios using our predefined set of ideas and optimize them against your investing preferences.

Complementary Tools for Truist Stock analysis

When running Truist Financial's price analysis, check to measure Truist Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Truist Financial is operating at the current time. Most of Truist Financial's value examination focuses on studying past and present price action to predict the probability of Truist Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Truist Financial's price. Additionally, you may evaluate how the addition of Truist Financial to your portfolios can decrease your overall portfolio volatility.

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Is Truist Financial's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Truist Financial. If investors know Truist will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Truist Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.

Quarterly Earnings Growth

(0.23)

Dividend Share

2.08

Earnings Share

(1.31)

Revenue Per Share

15.607

Quarterly Revenue Growth

(0.23)

The market value of Truist Financial Corp is measured differently than its book value, which is the value of Truist that is recorded on the company's balance sheet. Investors also form their own opinion of Truist Financial's value that differs from its market value or its book value, called intrinsic value, which is Truist Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Truist Financial's market value can be influenced by many factors that don't directly affect Truist Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.

Please note, there is a significant difference between Truist Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Truist Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Truist Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

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Truist Financial Corp Stock Z Score

Truist Financial Corp Company Z Score Analysis

Z Score

Sum Of

5 Factors

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

Truist Z Score Driver Correlations

Truist Financial ESG Sustainability

Truist Financial Institutional Holders

Truist Fundamentals

About Truist Financial Fundamental Analysis

Truist Financial Investors Sentiment

Truist Financial Implied Volatility

Currently Active Assets on Macroaxis

Complementary Tools for Truist Stock analysis

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