Truist Financial Corp (TFC) FY2025Q2 Earning Prediction

07/18 04:00:00

Pre-Market

Truist Financial Corp (TFC) is set to release its FY2025Q2 earnings performance on 07/18 04:00:00 in Pre-Market trading. Consensus forecasts predict a revenue of 5.03B and an earnings per share (EPS) of 0.92 for the FY2025Q2. With Intellectia's exclusive AI algorithms, users can predict whether the earnings will beat or miss expectations before the report drops. Leverage this powerful tool to strategize and position your trades ahead of the earnings release!

Estimate

Actual

Surprise

RevenueBEAT

5.03B

5.04B

+0.18%

EPSMISS

0.92

0.91

-1.09%

AI Summary

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AI Earnings Prediction

Prediction for FY2025Q2

Earnings Date: Jul 18, 2025

The forecast anticipates a Beat scenario, driven by net interest income growth, capital flexibility, and disciplined expense management.

Beat

Last 0 quarters:

4 beats1 misses

Scenario Analysis

The AI analyzes the probability of each scenario occurring and identifies the triggering conditions.

Scenario

Prob.

Stock Reaction

Trigger Condition

Strong Beat

15%

+5-7%

NII growth >3%, CET1 ratio >11.5%, buyback acceleration.

Beat

40%

+2-4%

NII +1-2%, EPS $0.96-$1.00, stable CET1.

Neutral

30%

Flat

Results align with lowered guidance (rev. +1.5%, EPS $0.93-$0.95).

Miss

10%

-3-5%

NII flat/negative, provisions rise.

Strong Miss

-7-10%

Revenue growth <1%, CET1 ratio deterioration.

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Key Indicators Forecast

The AI provides itemized forecasts for key indicators, potentially including revenue, EPS, gross margin, and free cash flow.

Revenue

EPS

Currency:

No data

Actual

Estimate

Metric

Prediction

Justification

Revenue

Beat

Moderate NII upside from higher rates and buyback-driven EPS tailwinds offsetting weak non-interest income. Consensus estimates (-0.45% rev. revisions) are conservative.

EPS

Beat

$0.94 consensus is beatable due to buybacks ($2.8B remaining) and expense discipline. Citi’s 2026 ROTCE improvement thesis supports EPS optimism.

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Prediction Logic & Rational

Logic & Justification

Key Facts Supporting Beat Prediction:

Net Interest Income Upside: Citi highlighted Truist’s potential for NII improvement in a "higher-for-longer" rate environment, directly addressing the market’s concern about NII growth (+ 26.85% stock rally suggests optimism priced in, but incremental upside remains possible).
Capital Flexibility: Truist’s CET1 ratio ( 11.3%) exceeds regulatory requirements ( 7.0%), enabling continued share buybacks ($ 2.8B remaining in $5B program). Buybacks directly boost EPS even with flat revenue.
Expense Discipline: Citi noted upside potential from cost controls, which could offset revenue headwinds in investment banking/wealth management (per Argus’ reduced revenue guidance).
Credit Risk Mitigation: Stress test results ( 2.5% SCB requirement) and strong CET1 position reduce systemic risk, supporting reduced loan-loss provisions.

Risks Limiting Strong Beat:

Mixed analyst sentiment (5 downgrades/neutral ratings vs. 2 upgrades) reflects lingering concerns about revenue guidance cuts ( 1.5%- 2.5% growth vs. prior 3.0%- 3.5%).
No explicit news on non-interest income stabilization (down 5.3% last quarter).

Prediction Logic & Rational

Tactical Strategy Recommendations

Trading Strategy

Directional Play: Buy short-dated (July/August) $45-$47 calls. High stock momentum (+26.85% since last earnings) and buyback tailwinds favor upside skew.
Hedged Play: Long $45 calls / short $48 calls (bull call spread) to capitalize on moderate Beat scenario while limiting premium costs.
Avoid: Naked puts given elevated expectations (Miss risk asymmetric).

Tactical Strategy Recommendations

Earnings Surprise Analysis

The chart displays the extent of earnings surprises and corresponding stock price movements for each earnings event.

Revenue

EPS

TFC Transcript

Truist Financial Corporation (TFC) Presents at Goldman Sachs 2025 U.S. Financial Services Conference Transcript

Neutral12-9

Truist Financial Corporation (TFC) Presents at The BancAnalysts Association of Boston Conference Transcript

Neutral11-6

Truist Financial Corporation (TFC) Q3 2025 Earnings Call Transcript

Positive10-17

The earnings call reflects a positive outlook with several factors contributing to this sentiment. Revenue growth is driven by multiple components including NII, loan growth, and deposit growth. Treasury and wealth management revenues have increased significantly. Despite some vague responses in the Q&A, the strong operating leverage, planned share repurchases, and positive guidance for 2026 support a positive sentiment. Although management avoided specifics on efficiency improvements and NIM trajectory, the overall positive momentum and strategic focus on organic growth outweigh these uncertainties.

Truist Financial Corporation (TFC) Presents At Barclays 23rd Annual Global Financial Services Conference Transcript

Neutral9-9

TFC Slides

Truist Q3 2025 slides: $1.04 EPS with strong fee income, targets 15% ROTCE by 2027

2025-10-17

TFC Report

TRUIST FINANCIAL CORP 10-Q

10-Q

2024-05-09

TRUIST FINANCIAL CORP 10-K

10-K

2024-02-27

TRUIST FINANCIAL CORP 10-Q

10-Q

2023-10-31

TRUIST FINANCIAL CORP 10-Q

10-Q

2023-07-31

Frequently Asked Questions

What is the Truist Financial Corp FY2025Q2 Earnings Release Date and Time?

Truist Financial Corp (TFC) is scheduled to release its FY2025Q2 earnings report onJul 18, 2025, Pre-Market(approximately 4:00 PM ET). This timing allows investors to react during after-hours trading, with a conference call typically following shortly after.

What Are the Consensus Forecasts for Truist Financial Corp FY2025Q2 Revenue and EPS?

Analysts' consensus predicts 5.03B in revenue and an EPS of 0.92 for Truist Financial Corp's FY2025Q2.

What Does Intellectia's AI Predict for Truist Financial Corp FY2025Q2 Earnings?

Intellectia's exclusive AI algorithms forecast a Beat forTruist Financial Corp's FY2025Q2 earnings, with a prediction date of Jul 18, 2025. Truist Financial Corp The forecast anticipates a Beat scenario, driven by net interest income growth, capital flexibility, and disciplined expense management.

How Can I Use This Earnings Prediction to Trade TFC Stock?

Leverage Intellectia's AI forecast to position trades ahead of theJul 18, 2025 release—consider calls for a beat scenario or protective puts for misses. Focus on pre-market volatility, and use the scenario probabilities to build strategies around revenue and guidance updates.

How Accurate Is Intellectia's AI for Earnings Predictions Like Truist Financial Corp FY2025Q2?

Intellectia's predictions are backed by rigorous backtesting, showing a high hit rate for Beat and Miss calls compared to traditional analysis. While no forecast is 100% certain, we provide probability-based scenarios (e.g., 50% chance of a *Beat*) and detailed rationales to help you make informed decisions. Combine our insights with your strategy for the best results—it's like having a co-pilot for earnings season! Empowering users to strategize trades before reports drop.

How does AI Earnings Prediction generate its forecasts?

AI Earnings Prediction uses advanced Large Language Models (LLMs) to analyze a wealth of data, including past earnings transcripts, real-time market sentiment, analyst insights, and company news from the last three months. It focuses on key indicators like revenue, EPS, and margins to predict whether a company will *Beat*, *Miss*, or remain Neutral relative to market expectations. Think of it as a super-smart analyst crunching numbers and news 24/7 to give you a trading edge!

When are the predictions available, and how often are they updated?

Predictions are generated two days before a company’s earnings release (e.g., 5:00 PM ET on Feb 13 for a Feb 15 report) to capture the latest market and company data. They’re updated in real-time if significant news breaks, ensuring you get fresh insights.

Can I use AI Earnings Prediction for all types of stocks?

Currently, AI Earnings Prediction focuses on companies with market caps above $40 billion, covering major players like SPG, AAPL, MSFT, and NVDA for the 2024-2025 earnings seasons. We prioritize high-impact stocks with robust data to ensure reliable forecasts. Stay tuned as we expand coverage to more companies based on user demand!