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Truist Financial cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$1.8B in Q3 2026 · $6.1B over twelve months

Operating cash flow$1.8B
Free cash flow+$1.8B
Cash / net income2.2×

Analysis

In Q3 2026, Truist Financial generated $1.8B of operating cash flow. That is $266M more than in Q3 2025 ($1.5B).

Over the twelve months to Sep 30, 2026, operating cash flow was $6.1B; the largest uses were buybacks ($4.3B), net borrowing (+) / repaid (−) ($4.1B), other investing ($3.8B); besides operations, cash came from other financing ($17.4B); the cash balance rose by $8.6B.

Operating cash flow was $1.8B against net income of $799M — 2.2× profit, cash ran ahead of reported earnings. The largest differences: other operating capital −$935M.

Free cash flow

Truist Financial: free cash flow by quarterTruist Financial: free cash flow by quarter$775MQ4 2024$746MQ1 2025$914MQ2 2025$1.5BQ3 2025$2.6BQ4 2025$679MQ1 2026$1.0BQ2 2026$1.8BQ3 2026
Operating cash flow less capital spending.
Truist Financial: operating cash flow against capital spendingTruist Financial: operating cash flow against capital spendingOperating cash flowCapital spending$775M$0Q4 2024$746M$0Q1 2025$914M$0Q2 2025$1.5B$0Q3 2025$2.6B$0Q4 2025$679M$0Q1 2026$1.0B$0Q2 2026$1.8B$0Q3 2026
Latest (Q3 2026): Operating cash flow $1.8B, Capital spending $0.

Capital allocation, year by year

Truist Financial: where the cash came from (up) and went (down), by fiscal yearTruist Financial: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingAsset salesCapital spendingAcquisitionsBuybacksDividendsFY2021: Operating cash flow $7.9BFY2021: Net borrowing −$4.0BFY2021: Capital spending −$442MFY2021: Acquisitions −$1.6BFY2021: Buybacks −$1.6BFY2021: Dividends −$2.5B$7.9BFY2021FY2022: Operating cash flow $11.1BFY2022: Net borrowing $26.5BFY2022: Asset sales −$4.7BFY2022: Capital spending −$564MFY2022: Acquisitions −$4.7BFY2022: Buybacks −$250MFY2022: Dividends −$2.7B$37.6BFY2022FY2023: Operating cash flow $8.6BFY2023: Net borrowing −$2.7BFY2023: Asset sales −$17.0MFY2023: Acquisitions −$17.0MFY2023: Dividends −$2.8B$8.6BFY2023FY2024: Operating cash flow $2.2BFY2024: Net borrowing $361MFY2024: Asset sales $12.2BFY2024: Buybacks −$1.0BFY2024: Dividends −$2.8B$14.7BFY2024FY2025: Operating cash flow $5.7BFY2025: Net borrowing $5.3BFY2025: Buybacks −$2.5BFY2025: Dividends −$2.7B$11.1BFY2025
Over these 5 years operating cash flow totalled $35.5B; the largest uses were dividends ($13.4B) and net borrowing ($6.7B). Cash-flow statements as filed.

Where the cash came from and went

Truist Financial: sources (+) and uses (−) of cash, Q3 2026Truist Financial: sources (+) and uses (−) of cash, Q3 2026Cash drawn (+) / kept (−)−$6.2BOther investing$5.8BOther financing$3.7BNet borrowing (+) / repaid (−)−$3.3BOperating cash flow$1.8BBuybacks−$1.2BDividends−$629M
Truist Financial: sources (+) and uses (−) of cash, TTM to Q3 2026Truist Financial: sources (+) and uses (−) of cash, TTM to Q3 2026Other financing$17.4BCash drawn (+) / kept (−)−$8.6BOperating cash flow$6.1BBuybacks−$4.3BNet borrowing (+) / repaid (−)−$4.1BOther investing−$3.8BDividends−$2.6B

From profit to cash

Truist Financial: net income to operating cash flow, Q3 2026Truist Financial: net income to operating cash flow, Q3 2026Net income$799MOther operating capital−$935MOperating cash flow$1.8B
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowBuybacksDividendsNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q3 2026$1.8B−$1.2B−$629M−$3.3B−$6.2B$1.8B
Q2 2026$1.0B−$1.2B−$636M$1.0B−$3.1B$1.0B
Q1 2026$679M−$1.1B−$645M−$648M$180M$679M
Q4 2025$2.6B−$750M−$658M−$1.3B$475M$2.6B
Q3 2025$1.5B−$500M−$665M$10.0B$4.6B$1.5B
Q2 2025$914M−$750M−$670M$5.2B$720M$914M
Q1 2025$746M−$500M−$679M−$8.6B−$2.4B$746M
Q4 2024$775M−$500M−$685M$8.4B−$128M$775M

Truist Financial: income statement and cash flow

Truist Financial, Q3 2026: revenue $3.7B (-28% year over year), operating margin 23.9%. The chart follows the revenue to costs, profit and cash.

Truist Financial: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.