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Truist FinancialTFC +0.92%58 Debt-to-Equity is 1.08 as of Mar. 2026, which is 17% above its 10-year median of 0.92. GuruFocus rates TFC with a GF Score™ of 58/100 and a GF Value™ of $49.09 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,418 Banks companies, Truist Financial ranks worse than 69.53% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Truist Financial's Debt-to-Equity or its related term are showing as below:
TFC'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.56 Med: 0.92 Max: 1.46
Current: 1.09
During the past 13 years, the highest Debt-to-Equity Ratio of Truist Financial was 1.46. The lowest was 0.56. And the median was 0.92.
TFC's Debt-to-Equity is ranked worse than 69.53% of 1418
companies
in the Banks industry
Industry Median: 0.57
vs TFC: 1.09
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Truist Financial Debt-to-Equity Related Terms
Truist Financial Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Truist Financial's Debt-to-Equity 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.
For the Banks - Regional subindustry, Truist Financial's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Truist Financial's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Truist Financial's Debt-to-Equity falls into.
* 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 (TFC) has a Debt-to-Equity of 1.08 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Truist Financial and its competitors. This is 17% above median its historical median of 0.92. Over the past decade, Truist Financial's Debt-to-Equity has ranged from 0.56 to 1.46. According to the industry distribution chart, Truist Financial ranks #986 out of 1418 companies in the Banks industry, placing it in the top 69.5%.
Is Truist Financial's Debt-to-Equity too high?
Truist Financial's current Debt-to-Equity of 1.08 is 17% above median its 10-year median of 0.92. Over the past 10 years, this metric has ranged from a low of 0.56 to a high of 1.46. The Banks industry median Debt-to-Equity is 0.57. Truist Financial's value of 1.08 is 89.5% above this industry median. Based on the distribution chart, Truist Financial ranks #986 out of 1418 companies in the Banks industry, which is below the industry midpoint. Overall, Truist Financial has a GF Score™ of 58/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Truist Financial's Debt-to-Equity compare to NU and FITB?
According to the Banks industry distribution chart, Truist Financial ranks #986 out of 1418 companies for Debt-to-Equity. This places Truist Financial in the lower half of its industry. The industry median Debt-to-Equity is 0.57. Truist Financial's value of 1.08 is 89.5% above this benchmark. Historically, Truist Financial's own Debt-to-Equity has ranged from 0.56 to 1.46 over the past decade. While the company's 10-year median is 0.92 vs. the industry median of 0.57, Truist Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.57, based on 1,418 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Truist Financial's current Debt-to-Equity of 1.08 is 89.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Truist Financial and its competitors. For the Banks industry, the median Debt-to-Equity is 0.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Truist Financial's current Debt-to-Equity is 1.08, which is 17% above median its own 10-year median of 0.92. 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 $49.09, compared to a current price of $51.67 — trading 5.3% above its estimated fair value. The current Debt-to-Equity is 1.08, which is 17% above median its 10-year median of 0.92 and 89.5% above the Banks industry median of 0.57. Truist Financial's overall GF Score™ is 58/100 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-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Truist Financial (TFC), the current Debt-to-Equity is 1.08 as of Mar. 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 overvalued.
The current stock price of $51.67 is trading 5.3% above its estimated GF Value™ of $49.09.
GuruFocus considers Truist Financial to be Fairly Valued.
Key valuation signals for TFC:
Debt-to-Equity: 1.08 (17% above median its 10-year median of 0.92)
GF Value™: $49.09 vs. price of $51.67 (5.3% above fair value)
Industry Position: 89.5% above the Banks median (#986 of 1418)
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 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.
58GF Score
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