Truist Financial Corporation
—- Market cap
- $63.12B
- Debt
- +$69.80B
- Cash
- —
Complete market value, debt and cash evidence is required for enterprise value.
Capital structure 47% equity / 53% debt
Compare price, profitability, solvency, and SEC-reported financials side by side—before deciding which assumptions deserve a closer look.
Decision snapshot: TFC stock price at discount vs LINC $51.67 current versus $153.16 implied using P/E multiple.
Quick read
Each company valued on the other's multiple, then compared with the market price.
Implied fair value · at LINC's multiple
Implied fair value · at TFC's multiple
Snapshot Sep 4, 4:00 PM ET
Metric by metric
Where each company leads, and how wide the gap is.
Growth lag
Pricing power
Operating leverage
Multiple premium
Value edge
Lower leverage
Statements
Core statements aligned to each company's latest fiscal year.
SEC periods: TFC FY 2025 (ended Dec 31, 2025) · LINC FY 2025 (ended Dec 31, 2025).
Trendline
Five fiscal years of revenue, earnings, and margins before underwriting a re-rating.
Price framework
Market cap plus debt, less cash.
Complete market value, debt and cash evidence is required for enterprise value.
Capital structure 47% equity / 53% debt
Capital structure 77% equity / 23% debt · EV / Revenue 2.00x · EV / EBITDA 19.29x
TFC carries the larger enterprise value at $132.92B against $1.03B; LINC trades on the lower EV / Revenue multiple (2.00x vs 5.42x); TFC on the lower EV / EBITDA (7.53x vs 19.29x).
Price framework
The same filing-backed model used on each company's valuation page, with company-specific inputs and calculated scenarios.
TRUIST FINANCIAL CORPORATION · implied price per share
Five annual free-cash-flow observations are required for the filing-backed baseline.
LINCOLN EDUCATIONAL SERVICES CORPORATION · implied price per share
Latest annual free cash flow must be positive to qualify the filing-backed baseline.
Balance sheet health
Financial health checks to separate durable balance sheets from potential value traps.
Financial strength on a 0–9 scale.
Bankruptcy-risk signal from balance sheet and earnings power.
Debt / equity
Total debt against shareholders' equity
1.07x
1.25x
Net debt / EBITDA
Leverage against operating earnings
—
4.12x
Cash and equivalents
Liquid reserves on the balance sheet
—
$28.52M
Total debt
Interest-bearing obligations outstanding
$69.80B
$249.32M
Comparable set
Where the pair sits against the wider comparable set.
Keep comparing
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