TFC (Truist Financial) Debt-to-Asset : 0.13 (As of Jun. 2026)

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TFC Truist Financial Corp TFC
59 GF Score
Price $50.67
GF Value $51.51
Valuation Fairly Valued
! 6 Warning Signs
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What is Truist Financial Debt-to-Asset?

Truist Financial TFC +0.74% 59 Debt-to-Asset is 0.13 as of Jun. 2026. GuruFocus rates TFC with a GF Score™ of 59/100 and a GF Value™ of $51.51 (Fairly Valued). The stock has 6 warning signs investors should review.

Truist Financial's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was $26,885 Mil. Truist Financial's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was $42,976 Mil. Truist Financial's Long-Term Debt & Capital Lease ObligationTotal Assets for the quarter that ended in Jun. 2026 was $556,023 Mil. Truist Financial's debt to asset for the quarter that ended in Jun. 2026 was 0.13.

Truist Financial  (NYSE:TFC) Debt-to-Asset Explanation

In the calculation of Debt-to-Asset, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Assets.

Truist Financial Debt-to-Asset Related Terms

Truist Financial Debt-to-Asset Historical Data

* Premium members only.

The historical data trend for Truist Financial's Debt-to-Asset can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Truist Financial Debt-to-Asset Chart

Truist Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.07 0.11 0.11 0.10 0.12

Truist Financial Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Debt-to-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.11 0.13 0.12 0.13 0.13

TFC vs NU, FITB, MTB: Debt-to-Asset Comparison

For the Banks - Regional subindustry, Truist Financial's Debt-to-Asset, along with its competitors' market caps and Debt-to-Asset data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Truist Financial Debt-to-Asset vs Banks Industry

For the Banks industry and Financial Services sector, Truist Financial's Debt-to-Asset distribution charts can be found below:

* The bar in red indicates where Truist Financial's Debt-to-Asset falls into.


TFC
59GF Score
Truist Financial Corp TFC
Debt-to-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Truist Financial Debt-to-Asset Calculation

Debt to Asset measures the financial leverage a company has.

Truist Financial's Debt-to-Asset for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(22342 + 41963) / 547538
=0.12

Truist Financial's Debt-to-Asset for the quarter that ended in Jun. 2026 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(26885 + 42976) / 556023
=0.13

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about Debt-to-Asset →
What does a Debt-to-Asset of 0.13 mean?
Truist Financial (TFC) has a Debt-to-Asset of 0.13 as of Jun. 2026. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Truist Financial and its competitors.
Is Truist Financial's Debt-to-Asset too high?
Truist Financial's current Debt-to-Asset is 0.13. Overall, Truist Financial has a GF Score™ of 59/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Truist Financial's Debt-to-Asset compare to NU and FITB?
Truist Financial's Debt-to-Asset of 0.13 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Asset for a Banks company?
A good Debt-to-Asset depends on the Banks industry context. However, Debt-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Asset mean?
A high Debt-to-Asset can signal that a stock is expensive relative to its fundamentals. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Truist Financial and its competitors. Truist Financial's current Debt-to-Asset is 0.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Truist Financial stock overvalued right now?
Based on GuruFocus' analysis, Truist Financial (TFC) is currently considered Fairly Valued. The stock's GF Value™ is $51.51, compared to a current price of $50.67 — trading 1.6% below its estimated fair value. The current Debt-to-Asset is 0.13. Truist Financial's overall GF Score™ is 59/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Asset calculated?
Debt-to-Asset is calculated from a company's financial statements. For Truist Financial (TFC), the current Debt-to-Asset is 0.13 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Truist Financial (TFC) Overvalued in 2026?

Based on GuruFocus' analysis, Truist Financial stock appears to be undervalued. The current stock price of $50.67 is trading 1.6% below its estimated GF Value™ of $51.51. GuruFocus considers Truist Financial to be Fairly Valued.

Key valuation signals for TFC:

  • Debt-to-Asset: 0.13
  • GF Value™: $51.51 vs. price of $50.67 (1.6% below fair value)
  • GF Score™: 59/100 with 6 warning signs

No single metric tells the full story. See the TFC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Truist Financial Business Description

Address 214 North Tryon Street, Charlotte, NC, USA, 28202
Truist Financial is one of the three super-regional banks in the US, with around $550 billion in assets as of the first quarter of 2026. Truist emerged from the combination of BB&T and SunTrust in 2019. Based in Charlotte, North Carolina, the bank's footprint is largely in the Mid-Atlantic and Southeast. Apart from retail and commercial banking operations, the bank also offers online and point-of-sale consumer lending, cards, wealth management, investment banking, and other banking services.
59GF Score

Get the complete analysis for TFC

Debt-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$50.67
Price
$51.51
GF Value