Truist Financial Corporation (TFC) Earnings History
Steady Earner37 years of earnings data (1989–2025) · Positive but moderate multi-year EPS trajectory
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Truist Financial Corporation (TFC) Earnings Overview
As of July 7, 2026, Truist Financial Corporation (TFC) reported trailing twelve-month net income of $5.53B, reflecting +13.7% year-over-year growth. The company earned $4.36 per diluted share over the past four quarters, with a net profit margin of 17.4%.
Looking at the long-term picture, TFC's 5-year EPS compound annual growth rate (CAGR) stands at +4.4%, reflecting modest earnings expansion. The company achieved its highest annual net income of $6.44B in fiscal 2021.
Truist Financial Corporation maintains industry-leading profitability with a gross margin of 62.2%, operating margin of 20.9%, and net margin of 17.4%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including USB ($7.81B net income, 17.7% margin), PNC ($7.21B net income, 22.1% margin), RF ($2.23B net income, 22.4% margin), TFC has room to improve margins relative to the peer group. Compare TFC vs USB →
TFC Earnings vs Peers
Earnings metrics vs comparable public companies
TFC Historical Earnings Data (1989–2025)
37 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $5.31B | +10.1% | $6.35B | $3.82 | 17.4% | 20.9% |
| 2024 | $4.82B | +541.6% | -$601M | $3.36 | 19.9% | -2.5% |
| 2023 | -$1.09B | -117.4% | -$765M | $-1.09 | -3.6% | -2.6% |
| 2022 | $6.26B | -2.8% | $7.03B | $4.43 | 28.1% | 31.5% |
| 2021 | $6.44B | +43.7% | $7.99B | $4.47 | 27.9% | 34.7% |
| 2020 | $4.48B | +39.0% | $5.47B | $3.08 | 18.3% | 22.4% |
| 2019 | $3.22B | -0.4% | $4.02B | $3.71 | 22.0% | 27.4% |
| 2018 | $3.24B | +35.2% | $4.06B | $3.91 | 24.9% | 31.2% |
| 2017 | $2.39B | -1.3% | $3.33B | $2.74 | 19.7% | 27.4% |
| 2016 | $2.43B | +16.4% | $3.50B | $2.77 | 21.0% | 30.3% |
| 2015 | $2.08B | -2.2% | $2.92B | $2.56 | 19.6% | 27.5% |
| 2014 | $2.13B | +26.8% | $3.13B | $2.75 | 20.6% | 30.2% |
| 2013 | $1.68B | -15.1% | $3.28B | $2.19 | 15.5% | 30.4% |
| 2012 | $1.98B | +53.5% | $2.79B | $2.70 | 17.9% | 25.3% |
| 2011 | $1.29B | +58.0% | $1.63B | $1.83 | 12.5% | 15.8% |
| 2010 | $816M | -4.3% | $969M | $1.16 | 7.3% | 8.7% |
| 2009 | $853M | -43.8% | $1.04B | $1.15 | 7.9% | 9.6% |
| 2008 | $1.52B | -12.4% | $2.08B | $2.71 | 14.7% | 20.1% |
| 2007 | $1.73B | +13.5% | $2.58B | $3.14 | 16.3% | 24.2% |
| 2006 | $1.53B | -7.6% | $2.47B | $2.81 | 16.3% | 26.4% |
| 2005 | $1.65B | +6.2% | $2.47B | $3.00 | 21.1% | 31.5% |
| 2004 | $1.56B | +46.3% | $2.32B | $2.80 | 23.4% | 34.8% |
| 2003 | $1.06B | -18.3% | $1.62B | $2.07 | 17.1% | 25.9% |
| 2002 | $1.30B | +33.8% | $1.79B | $2.72 | 21.3% | 29.2% |
| 2001 | $974M | +39.4% | $1.36B | $2.12 | 15.6% | 21.8% |
| 2000 | $698M | -10.3% | $1.01B | $1.53 | 12.2% | 17.7% |
| 1999 | $779M | +19.5% | $1.16B | $1.71 | 15.0% | 22.3% |
| 1998 | $652M | +58.5% | $958M | $1.63 | 15.6% | 22.9% |
| 1997 | $411M | +19.8% | $620M | $1.23 | 13.3% | 20.0% |
| 1996 | $343M | +51.0% | $512M | $1.17 | 14.3% | 21.3% |
| 1995 | $227M | +105.0% | $340M | $0.80 | 10.6% | 15.8% |
| 1994 | $111M | +40.0% | $167M | $1.14 | 16.8% | 25.3% |
| 1993 | $79M | +58.1% | $114M | $0.47 | 18.1% | 25.9% |
| 1992 | $50M | +62.7% | $76M | $0.69 | 13.1% | 19.8% |
| 1991 | $31M | +34.5% | $45M | $0.68 | 8.5% | 12.4% |
| 1990 | $23M | -10.9% | $32M | $0.51 | 6.4% | 8.9% |
| 1989 | $26M | - | $37M | $0.57 | 7.8% | 11.0% |
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TFC — Frequently Asked Questions
Quick answers to the most common questions about buying TFC stock.
What is TFC earnings per share (EPS)?
TFC trailing twelve-month (TTM) diluted EPS is $4.36, reflecting +13.7% year-over-year growth. The 5-year EPS CAGR is +4.4%. Complete EPS history from 1989 to 2025 is available in the table on this page.
What is Truist Financial Corporation's net income?
Truist Financial Corporation (TFC) trailing twelve-month net income is $5.5B as of 2025. Earnings grew +13.7% year-over-year. Truist Financial Corporation has been profitable for 2 consecutive years.
Is TFC profitable?
Yes, TFC is profitable with a TTM net income of $5.5B and a net profit margin of +17.4%. Truist Financial Corporation has generated profits for 2 consecutive years.
What is TFC's earnings growth rate?
TFC compound annual EPS growth rates (CAGR): 1-Year: +13.7%, 3-Year: -4.8%, 5-Year: +4.4%, 10-Year: +4.1%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1989 to 2025.
What are TFC's profit margins?
Truist Financial Corporation net profit margin is +17.4%, operating margin is +20.9%, and gross margin is +62.2%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +8.2%.
Is TFC growing earnings?
TFC is growing earnings steadily. YoY EPS growth of +13.7% is consistent with the 5-year CAGR of +4.4%. TTM net income is $5.5B.
What was TFC's best earnings year?
Truist Financial Corporation's highest annual net income on record is $6.4B, achieved in fiscal year 2021. Earnings history on this page spans 1989 to 2025 and includes all annual and quarterly figures.
What were TFC's earnings last quarter?
TFC's most recent reported quarter was Q1 2026. Net income was $1.5B with diluted EPS of $1.09. For a full breakdown of all quarters, see the quarterly earnings table on this page.