Truist Financial Corporation (TFC) scored on five pillars from its reported financial statements, and ranked against 261 Financials companies.
Truist Financial Corporation (TFC) scores 3.6 out of 10 as of , computed from its reported financial statements. That reads as low quality. The reading rests on profitability, and growth is what holds it back.
2 pillars, solvency and efficiency, are unscored because the filings behind them carry too little to judge. Each is shown as a dash rather than a zero, and the overall score is the weighted average of what could be scored.
Data provided by Twelve Data. Scores are computed by Lemma Analysis from reported financials.
Truist Financial Corporation’s filings do not show enough of the signs a moat leaves: 0 of 4 indicators passed.
Quantitative signs of a moat, read from the filed statements. This is not a judgement of where it comes from (brand, network effects, switching costs). How Lemma measures a moat →
As of October 16, 2026, Truist Financial Corporation scores 3.6 out of 10 on the Lemma Quality Score, a reading of low quality. Scores this low usually reflect thin margins, a stretched balance sheet or an erratic record, and the pillars below show which. Nothing in it comes from the share price or from forecasts: it is Truist Financial Corporation’s own reported numbers, scored pillar by pillar.
Set against 261 Financials companies, Truist Financial Corporation lands at the 13th percentile, among the weakest quarter of its peers. For reference, the middle of the group scores 5.9 and a company needs 6.8 to reach its top quarter, which leaves Truist Financial Corporation well below the median.
Profitability scores 4.8 out of 10, which reads as average. The median across 255 Financials companies is 6.8, so Truist Financial Corporation is well below its peers on this pillar and ranks at the 21st percentile. Profitability in the middle of the range is neither a moat nor a warning: margins and returns look like those of an ordinary business in this line of work.
Solvency has no score for Truist Financial Corporation. Fewer than half of the pillar’s metric weight could be computed from the reported statements, so it is drawn as a dash and left out of the overall rather than counted as a zero. For context, the median solvency score across 140 Financials companies is 8.5. Without it the overall says nothing about how comfortably the company carries its debt.
Growth scores 2.1 out of 10, which reads as weak. The median across 241 Financials companies is 4.6, so Truist Financial Corporation is well below its peers on this pillar and ranks at the 15th percentile. A low growth score is common for large, established companies and is not a verdict on quality on its own, but it limits how the business can compound.
Efficiency has no score for Truist Financial Corporation. Fewer than half of the pillar’s metric weight could be computed from the reported statements, so it is drawn as a dash and left out of the overall rather than counted as a zero. For context, the median efficiency score across 211 Financials companies is 5.8. Without it the overall cannot say how well reported profit turns into cash.
On predictability, Truist Financial Corporation scores 3.5, a weak reading. Its peers have a median of 4.9 across 256 Financials companies, which places it below them, at the 28th percentile. When results are this uneven, the averages behind the other pillars hide a lot of movement, and a longer history tells more than the latest year.
Profitability at 4.8 is Truist Financial Corporation’s best pillar and growth at 2.1 its weakest. The 2.7 point gap between them is worth keeping in mind when reading the overall. A profitability lead usually reflects something durable in the business model rather than a good year. Slow growth limits how fast the business can compound, even when everything else is in order.
Closing the gap on profitability would do the most for the overall. At the median of Financials companies, 6.8, Truist Financial Corporation would score about 4.4 instead of 3.6. With two pillars unscored, the overall rests on 65 of the 100 weight points, spread across the three pillars that could be measured (the full set is profitability 25, solvency 20, growth 20, efficiency 15, predictability 20).
For a fair comparison, start with companies of a similar size: the Financials companies below are nearest to Truist Financial Corporation by market value, each scored on the same pillars.
How much profit the company generates from its capital and sales.
The company’s ability to service debt and meet its obligations.
How fast revenue, earnings and cash flow are compounding.
How well assets and earnings convert into cash and output.
How stable and consistent results have been over time.
Each metric is scored from 0 to 10 against sector-aware benchmarks, where higher is better. Metrics roll up into five pillars, and the pillars combine into the overall score using the weights shown. Sector-sensitive metrics are judged relative to peers in the same sector.
This score is a systematic, backward-looking read of reported fundamentals. It does not judge valuation, management quality, competitive moat, or future prospects, and can be distorted by one-off items or unusual accounting. Treat it as a starting point, not a recommendation.
Educational only. Not investment advice.
On this reading Truist Financial Corporation scores 3.6 out of 10, which reads as low quality. Its strongest pillar is profitability, its weakest is growth. Quality is not the same as a good investment: the score says nothing about the price you would pay.
Truist Financial Corporation ranks at the 13th percentile of the 261 Financials companies Lemma publishes a score for. The median there is 5.9 and the top quarter starts at 6.8, against Truist Financial Corporation’s 3.6.
Five pillars, each scored from 0 to 10 against sector-aware benchmarks and then weighted into one overall reading: profitability, solvency, growth, efficiency and predictability. Everything comes from reported financials, and nothing comes from price, sentiment or forecasts.
This page last changed on October 16, 2026. The score moves with the financial statements, so the page changes when a new filing moves the reading rather than on a schedule. Live figures for TFC are in the app.
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