TFC Truist Financial margins

Relative Growth: Rel. Growth: 24

Relative Strength: Rel. Strength: 49

Relative Valuation: Rel. Valuation: 66

Relative Profitability: Rel. Profitability: 70

Gross margin

100%

Operating margin

32.6%

EBITDA margin

36.8%

Net margin

28.4%

Recent Truist Financial shows a gross margin of 100%, an operating margin of 32.6%, an EBITDA margin of 36.8%, and a net margin of 28.4%. EBITDA margin fell by 2.6 percentage points, while other available margins were stable.

TFC margin history

Gross, operating, EBITDA and net margin trends

Over the last 3 years, Truist Financial's margins averaged 100% gross, 4.08% operating, 25.41% EBITDA, and 17.88% net. For Truist Financial, operating, EBITDA, and net margins are above their three-year averages.

TFC margin expansion

Year-over-year margin changes in percentage points

Compared with last year, operating margin contracted by 2.1 percentage points, EBITDA margin by 2.6 percentage points, and net margin by 0.2 percentage points, while gross margin was unchanged.

Gross margin expansion

0pp

Operating margin expansion

-2.1pp

EBITDA margin expansion

-2.6pp

Net margin expansion

-0.2pp

TFC Gross margin

Truist Financial's gross margin averaged 100% in the last 3 years. Truist Financial currently reports a gross margin of 100%, in line with its three-year average. Over the last 3 years, Truist Financial's gross margin peaked at 100% in Sep 2026 and reached a low of 100% in Dec 2023.

TFC Operating margin

Truist Financial's operating margin averaged 4.08% over the last 3 years. Compared with its three-year average, Truist Financial's current operating margin is 32.6% and is 28.5 percentage points above its three-year average. Over the last 3 years, Truist Financial's operating margin peaked at 35.8% in Jun 2026 and reached a low of -71.8% in Jun 2024.

TFC EBITDA margin

Over the last 3 years, Truist Financial's EBITDA margin averaged 25.41%. Currently, Truist Financial's current EBITDA margin is 36.8%, which is 11.4 percentage points above its three-year average. During this period, EBITDA margin reached a high of 45.9% in Mar 2025 and a low of -15.2% in Jun 2024.

TFC Net margin

Over the last 3 years, the average net margin for Truist Financial was 17.88%. Truist Financial's current net margin is 28.4% and is 10.5 percentage points above its three-year average. Truist Financial's net margin ranged from a low of -16.7% in Jun 2024 to a high of 42.3% in Mar 2025.

TFC margin group comparison

Margins compared with peer-group, industry and sector averages

Truist Financial's gross margin of 100% is above the Financial Services sector and the industry average. Compared to its Financial Services sector average of 83.4%, Truist Financial's gross margin is 20% higher.

TFC margin peer comparison

Compare margins with selected peers

Frequently asked questions

What is Truist Financial's gross margin?

For the period ending Sep 30, 2026, TFC recorded a gross margin of 100%.

What is Truist Financial's operating margin?

The current operating margin for TFC is 32.6% as of Sep 30, 2026.

What is Truist Financial's EBITDA margin?

The current EBITDA margin for TFC is 36.8% as of Sep 30, 2026.

What is Truist Financial's net margin?

As of Sep 30, 2026, TFC has a net margin of 28.4%.

What are the average margins of TFC?

Over the past 3 years, TFC reported average margins of 100.0% gross, 4.1% operating, 25.4% EBITDA, and 17.9% net.

What are the highest historical margins of TFC?

Over the last 5 years, Truist Financial's highest margins were 100% gross in Sep 2026, 38% operating in Mar 2023, 49% EBITDA in Jun 2023, and 42.3% net in Mar 2025.

What are the lowest historical margins of TFC?

Looking back across 5 years, TFC reached its lowest margins at 100% gross in Dec 2021, -71.8% operating in Jun 2024, -15.2% EBITDA in Jun 2024, and -16.7% net in Jun 2024.