Direct Answer
Truist Financial's fiscal 2025 filings show liabilities equal 88% of assets. These figures measure financial risk only; the business risks Truist Financial itself considers material are listed under Item 1A, Risk Factors, of its Form 10-K, most recently filed February 24, 2026.
What Do Truist Financial's Financial Risk Indicators Show?
| Indicator (fiscal 2025) | Truist Financial | Peer median (same SIC code) | What it measures |
|---|---|---|---|
| Liabilities to assets | 88% | 91% | How much of the balance sheet is funded by obligations rather than equity. |
| Current ratio | n/a | n/a | Short-term assets per dollar of obligations due within a year. |
| Interest coverage | n/a | n/a | Operating income per dollar of interest expense. |
| Long-term debt to operating cash flow | 7.3x | 4.5x | Years of operating cash flow it would take to repay long-term debt. |
| Net debt | $5.6 billion | n/a | Long-term debt minus cash; negative means more cash than long-term debt. |
The peer median uses 21 other companies in Swoopr's S&P 500 Equal Weight set that share the same SEC SIC code. A reading worse than the peer median is a prompt to read the filing, not a conclusion.
Where Are Truist Financial's Official Risk Factors?
The risks Truist Financial considers material are disclosed in Item 1A of its Form 10-K, most recently filed February 24, 2026. Read them with three questions in mind: which risks are specific to this company rather than generic, which have changed since the prior year's filing, and which connect to the figures above (a refinancing risk matters more when interest coverage is thin).
Where These Numbers Come From
Every figure on this page is a value Truist Financial reported in its Form 10-K filed February 24, 2026 (accession 0000092230-26-000030), read from the SEC's Financial Statement Data Sets. Ratios are computed from those reported values. The filing itself always takes precedence over this summary, and a later amendment can change a figure.
Truist Financial is a bank, so revenue here is net interest income plus noninterest income, the way banks present total revenue; banks do not report revenue under the tag an industrial company uses. This page is educational and describes reported history only; it is not a forecast or a recommendation.
Frequently Asked Questions
Is Truist Financial highly leveraged?
At the end of fiscal 2025, Truist Financial's total liabilities were 88% of total assets, against a peer median of 91%. Leverage that is normal for one industry (banks, utilities) can be high for another.
Where are Truist Financial's official risk factors?
In Item 1A, Risk Factors, of its annual report on Form 10-K, most recently filed with the SEC on February 24, 2026. The company lists the risks it considers material there; the measures on this page only quantify the financial side.
Can Truist Financial pay its interest?
Truist Financial did not report interest expense under the standard tags for fiscal 2025, so interest coverage is not computed here; its income statement and debt footnote show the details.