TRUIST FINANCIAL CORP (BBK.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:BBK - US89832Q1094 - Common Stock
40.88 EUR
-1.99 (-4.64%)
Taking everything into account, BBK scores 4 out of 10 in our fundamental rating. BBK was compared to 114 industry peers in the Banks industry. BBK has a bad profitability rating. Also its financial health evaluation is rather negative. BBK is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
- In the past year BBK was profitable.
- BBK had a positive operating cash flow in the past year.
- Of the past 5 years BBK 4 years were profitable.
- Of the past 5 years BBK 4 years had a positive operating cash flow.
1.2 Ratios
- With a Return On Assets value of 0.90%, BBK perfoms like the industry average, outperforming 57.66% of the companies in the same industry.
- BBK's Return On Equity of 7.47% is on the low side compared to the rest of the industry. BBK is outperformed by 67.57% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.9% | ||
| ROE | 7.47% | ||
| ROIC | N/A |
ROA(3y)0.49%
ROA(5y)0.73%
ROE(3y)4.06%
ROE(5y)6.14%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- With a Profit Margin value of 24.34%, BBK perfoms like the industry average, outperforming 54.95% of the companies in the same industry.
- BBK's Profit Margin has improved in the last couple of years.
- BBK does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 24.34% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-6.21%
PM growth 5Y5.84%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- BBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
- The number of shares outstanding for BBK has been reduced compared to 1 year ago.
- BBK has less shares outstanding than it did 5 years ago.
- Compared to 1 year ago, BBK has a worse debt to assets ratio.
2.2 Solvency
- BBK has a debt to FCF ratio of 15.46. This is a negative value and a sign of low solvency as BBK would need 15.46 years to pay back of all of its debts.
- The Debt to FCF ratio of BBK (15.46) is better than 72.97% of its industry peers.
- BBK has a Debt/Equity ratio of 0.93. This is a neutral value indicating BBK is somewhat dependend on debt financing.
- With a decent Debt to Equity ratio value of 0.93, BBK is doing good in the industry, outperforming 72.97% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.93 | ||
| Debt/FCF | 15.46 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.58%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 9.37% over the past year.
- The Earnings Per Share has been growing slightly by 0.88% on average over the past years.
- Looking at the last year, BBK shows a very strong growth in Revenue. The Revenue has grown by 53.03%.
- BBK shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -2.20% yearly.
EPS 1Y (TTM)9.37%
EPS 3Y-7.21%
EPS 5Y0.88%
EPS Q2Q%23.08%
Revenue 1Y (TTM)53.03%
Revenue growth 3Y0.57%
Revenue growth 5Y-2.2%
Sales Q2Q%4.64%
3.2 Future
- Based on estimates for the next years, BBK will show a small growth in Earnings Per Share. The EPS will grow by 7.41% on average per year.
- Based on estimates for the next years, BBK will show a small growth in Revenue. The Revenue will grow by 3.95% on average per year.
EPS Next Y13.78%
EPS Next 2Y13.89%
EPS Next 3Y6.66%
EPS Next 5Y7.41%
Revenue Next Year4.3%
Revenue Next 2Y4.29%
Revenue Next 3Y3.95%
Revenue Next 5YN/A
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
- BBK is valuated correctly with a Price/Earnings ratio of 12.09.
- BBK's Price/Earnings ratio is a bit more expensive when compared to the industry. BBK is more expensive than 60.36% of the companies in the same industry.
- When comparing the Price/Earnings ratio of BBK to the average of the S&P500 Index (27.21), we can say BBK is valued rather cheaply.
- BBK is valuated reasonably with a Price/Forward Earnings ratio of 10.63.
- 63.06% of the companies in the same industry are more expensive than BBK, based on the Price/Forward Earnings ratio.
- Compared to an average S&P500 Price/Forward Earnings ratio of 25.98, BBK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.09 | ||
| Fwd PE | 10.63 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, BBK is valued a bit cheaper than the industry average as 64.86% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.62 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.88
PEG (5Y)13.76
EPS Next 2Y13.89%
EPS Next 3Y6.66%
5. Dividend
5.1 Amount
- BBK has a Yearly Dividend Yield of 4.14%, which is a nice return.
- Compared to an average industry Dividend Yield of 3.93, BBK has a dividend in line with its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.81, BBK pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.14% |
5.2 History
- The dividend of BBK is nicely growing with an annual growth rate of 11.29%!
Dividend Growth(5Y)11.29%
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
- 62.09% of the earnings are spent on dividend by BBK. This is not a sustainable payout ratio.
- BBK's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP62.09%
EPS Next 2Y13.89%
EPS Next 3Y6.66%
TRUIST FINANCIAL CORP / BBK.DE FAQ
What is the fundamental rating for BBK stock?
ChartMill assigns a fundamental rating of 4 / 10 to BBK.DE.
What is the valuation status of TRUIST FINANCIAL CORP (BBK.DE) stock?
ChartMill assigns a valuation rating of 5 / 10 to TRUIST FINANCIAL CORP (BBK.DE). This can be considered as Fairly Valued.
What is the profitability of BBK stock?
TRUIST FINANCIAL CORP (BBK.DE) has a profitability rating of 3 / 10.
Can you provide the financial health for BBK stock?
The financial health rating of TRUIST FINANCIAL CORP (BBK.DE) is 3 / 10.
Can you provide the dividend sustainability for BBK stock?
The dividend rating of TRUIST FINANCIAL CORP (BBK.DE) is 6 / 10 and the dividend payout ratio is 62.09%.