Aflac vs Truist

This page compares Aflac and Truist, outlining business models, financial performance, and market context in a clear, neutral manner for readers. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

AFL

Metric

TFC

$57.26B

Market Cap

$62.86B

0.62%

Potential Profit

7.91%

Hold

Analyst Rating

Buy

Why It's Moving

Truist Financial gears up for pivotal Q4 2025 earnings release tomorrow, with analysts eyeing beats on key metrics.

Analysts project $1.09 per share earnings and $5.32B revenue, building on prior quarters where Truist topped revenue estimates by delivering $5.24B versus $5.20B expected, boosting confidence in operational strength.
Recent $10 billion stock repurchase authorization underscores robust capital return strategy, enabling buybacks of up to 15.7% of shares to enhance shareholder value.
Truist's forward guidance points to 4%-5% revenue growth for full-year 2026, implying controlled expense expansion and optimism for sustained profitability in a competitive landscape.

Sentiment:

🐃Bullish

Truist Financial gears up for pivotal Q4 2025 earnings release tomorrow, with analysts eyeing beats on key metrics.

Analysts project $1.09 per share earnings and $5.32B revenue, building on prior quarters where Truist topped revenue estimates by delivering $5.24B versus $5.20B expected, boosting confidence in operational strength.
Recent $10 billion stock repurchase authorization underscores robust capital return strategy, enabling buybacks of up to 15.7% of shares to enhance shareholder value.
Truist's forward guidance points to 4%-5% revenue growth for full-year 2026, implying controlled expense expansion and optimism for sustained profitability in a competitive landscape.

Sentiment:

🐃Bullish

Investment Analysis

Aflac

AFL

Pros

Aflac reported strong Q3 2025 results with adjusted earnings per share rising 15.3% year-over-year, exceeding market expectations significantly.
The company demonstrated solid revenue growth, reaching $4.74 billion in Q3 2025, beating forecasts by 8.47%, supported by new product launches and technology upgrades.
Aflac maintains strong capital ratios and liquidity, highlighted by gains on investments and an increase in adjusted book value per share by 6.3%.

Considerations

Aflac's Japan segment experienced a 4% decline in net earned premiums, indicating geographic performance variability.
The company’s forward price-to-earnings ratio of 15.33 and current analyst sentiment classified as 'Hold' suggest limited upside from current valuation levels.
Net investment income showed volatility, with Q3 gains contrasting prior year losses, reflecting exposure to market conditions and investment risk.

Truist

TFC

Pros

Truist Financial Corp manages a large diversified portfolio with over 2,500 holdings and assets under management valued above $62 billion.
The company’s portfolio includes top positions in major ETFs and leading technology companies such as Microsoft and Apple, enhancing growth exposure.
Truist’s industrial sector allocations cover varied industries such as heavy construction and lumber, providing sector diversification.

Considerations

Truist’s equity exposure includes cyclical sectors like construction and lumber, which may experience volatility in economic downturns.
Limited direct recent financial performance data publicly available may pose challenges in assessing near-term profitability and execution risks.
The portfolio’s complexity and breadth could present challenges in active management and risk control during periods of market stress.

About The Companies

Aflac (AFL)

Aflac Inc. is a major player in the insurance world, providing financial protection to millions of people. The company's main business is offering supplemental health and life insurance, which is designed to help policyholders cover costs that their primary insurance might not. Aflac operates through two main segments: Aflac U.S. and Aflac Japan. Its presence in Japan is particularly noteworthy, where it stands as a leading provider of cancer and medical insurance policies. In the United States, its products serve as an extra layer of financial security for individuals who already have major medical coverage. This dual-market strategy has helped Aflac build a significant global footprint. As with any investment, it's important to remember that a company's past performance doesn't guarantee future returns, and the value of investments can go down as well as up.

Truist (TFC)

Truist Financial Corporation (TFC) is a large US regional bank formed from the 2019 merger of BB&T and SunTrust. With a market capitalisation around $56 billion, Truist provides retail and commercial banking, mortgage lending, wealth management, insurance and payment services, mainly across the US Southeast and mid‑Atlantic. Investors should know the bank’s results hinge on net interest margin, loan growth, credit quality and expense control; interest-rate moves and economic cycles materially influence performance. Management has focused on technology investment and efficiency improvements, while regulatory capital ratios and loan-loss provisioning remain central to risk oversight. Truist has a history of paying dividends, but distributions can change with earnings and regulatory constraints. This summary is educational only — not personalised advice — and does not promise returns. As with any bank stock, values can rise or fall; prospective investors should review financials, capital metrics and risk disclosures to judge suitability for their objectives and tolerance.

Truist (TFC) Next Earnings Date

Truist Financial Corporation (TFC) is scheduled to report its fourth quarter 2025 earnings on Wednesday, January 21, 2026, before market open, followed by a conference call at 8 a.m. ET. This date, confirmed directly by the company, covers the quarter ending December 31, 2025. Investors should monitor the investor relations site for any updates closer to the event.

Truist (TFC) Next Earnings Date

Which Baskets Do They Appear In?

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Which Baskets Do They Appear In?

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Comparison Snapshot

Why It's Moving

Truist Financial gears up for pivotal Q4 2025 earnings release tomorrow, with analysts eyeing beats on key metrics.

Truist Financial gears up for pivotal Q4 2025 earnings release tomorrow, with analysts eyeing beats on key metrics.