TFC (Truist Financial) Long-Term Debt: $41,622 Mil (As of Mar. 2026)


TFC Truist Financial Corp TFC
60 GF Score
Price $50.98
GF Value $48.92
Valuation Fairly Valued
! 5 Warning Signs
View Full Analysis

What is Truist Financial Long-Term Debt?

Truist Financial TFC +0.18% 60 Long-Term Debt is $41,622 Mil as of Mar. 2026. GuruFocus rates TFC with a GF Score™ of 60/100 and a GF Value™ of $48.92 (Fairly Valued). The stock has 5 warning signs investors should review.

Truist Financial's Long-Term Debt for the quarter that ended in Mar. 2026 was $41,622 Mil.

Truist Financial's quarterly Long-Term Debt increased from Sep. 2025 ($41,729 Mil) to Dec. 2025 ($41,963 Mil) but then declined from Dec. 2025 ($41,963 Mil) to Mar. 2026 ($41,622 Mil).

Truist Financial's annual Long-Term Debt declined from Dec. 2023 ($38,918 Mil) to Dec. 2024 ($34,956 Mil) but then increased from Dec. 2024 ($34,956 Mil) to Dec. 2025 ($41,963 Mil).

Truist Financial  (NYSE:TFC) Long-Term Debt Explanation

Long-Term Debt is the sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year or the normal operating cycle, if longer. Long-Term Debt includes notes payable, bonds payable, mortgage loans, convertible debt, subordinated debt and other types of long term debt.

Truist Financial Long-Term Debt Related Terms

Truist Financial Long-Term Debt Historical Data

* Premium members only.

The historical data trend for Truist Financial's Long-Term Debt 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 Long-Term Debt Chart

Truist Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Long-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 35,913.00 43,203.00 38,918.00 34,956.00 41,963.00

Truist Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Long-Term Debt 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 32,030.00 44,427.00 41,729.00 41,963.00 41,622.00
TFC
60GF Score
Truist Financial Corp TFC
Long-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about Long-Term Debt →
What does a Long-Term Debt of $41,622 Mil mean?
Truist Financial (TFC) has a Long-Term Debt of $41,622 Mil as of Mar. 2026.
Is Truist Financial's Long-Term Debt too high?
Truist Financial's current Long-Term Debt is $41,622 Mil. Overall, Truist Financial has a GF Score™ of 60/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Truist Financial's Long-Term Debt compare to NU and FITB?
Truist Financial's Long-Term Debt of $41,622 Mil 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 Long-Term Debt for a Banks company?
A good Long-Term Debt depends on the Banks industry context. However, Long-Term Debt 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 Long-Term Debt mean?
A high Long-Term Debt can signal that a stock is expensive relative to its fundamentals. Truist Financial's current Long-Term Debt is $41,622 Mil. 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 $48.92, compared to a current price of $50.98 — trading 4.2% above its estimated fair value. The current Long-Term Debt is $41,622 Mil. Truist Financial's overall GF Score™ is 60/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Long-Term Debt calculated?
Long-Term Debt is calculated from a company's financial statements. For Truist Financial (TFC), the current Long-Term Debt is $41,622 Mil 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 $50.98 is trading 4.2% above its estimated GF Value™ of $48.92. GuruFocus considers Truist Financial to be Fairly Valued.

Key valuation signals for TFC:

  • Long-Term Debt: $41,622 Mil
  • GF Value™: $48.92 vs. price of $50.98 (4.2% above fair value)
  • GF Score™: 60/100 with 5 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.
60GF Score

Get the complete analysis for TFC

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

$50.98
Price
$48.92
GF Value