MARA vs. TFC: A Head-to-Head Stock Comparison

Updated on October 4, 2025

Here’s a clear look at MARA and TFC, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

Symbol	MARA	TFC
Company Name	MARA Holdings, Inc.	Truist Financial Corporation
Country	United States	United States
GICS Sector	Information Technology	Financials
GICS Industry	Software	Banks
Market Capitalization	6.89 billion USD	59.34 billion USD
Exchange	NasdaqCM	NYSE
Listing Date	May 4, 2012	March 18, 1980
Security Type	Common Stock	Common Stock

Historical Performance

This chart compares the performance of MARA and TFC by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

MARA vs. TFC: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	MARA	TFC
5-Day Price Return	15.81%	-0.37%
13-Week Price Return	18.54%	3.10%
26-Week Price Return	36.44%	10.07%
52-Week Price Return	14.73%	6.55%
Month-to-Date Return	1.92%	-0.33%
Year-to-Date Return	10.97%	5.05%
10-Day Avg. Volume	73.40M	8.09M
3-Month Avg. Volume	52.66M	7.55M
3-Month Volatility	67.87%	19.28%
Beta	5.44	0.91

Profitability

Return on Equity (TTM)

MARA

17.52%

Software Industry

Max: 66.28%
Q3: 21.28%
Median: 9.33%
Q1: -8.77%
Min: -48.16%

MARA’s Return on Equity of 17.52% is on par with the norm for the Software industry, indicating its profitability relative to shareholder equity is typical for the sector.

TFC

8.06%

Banks Industry

Max: 25.40%
Q3: 15.55%
Median: 12.00%
Q1: 8.98%
Min: -0.10%

TFC’s Return on Equity of 8.06% is in the lower quartile for the Banks industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.

MARA vs. TFC: A comparison of their Return on Equity (TTM) against their respective Software and Banks industry benchmarks.

Net Profit Margin (TTM)

MARA

85.02%

Software Industry

Max: 51.92%
Q3: 19.23%
Median: 6.98%
Q1: -7.14%
Min: -41.00%

MARA’s Net Profit Margin of 85.02% is exceptionally high, placing it well beyond the typical range for the Software industry. This demonstrates outstanding operational efficiency and a strong competitive advantage in converting revenue into profit.

TFC

23.80%

Banks Industry

Max: 54.20%
Q3: 35.73%
Median: 28.97%
Q1: 22.56%
Min: 6.98%

TFC’s Net Profit Margin of 23.80% is aligned with the median group of its peers in the Banks industry. This indicates its ability to convert revenue into profit is typical for the sector.

MARA vs. TFC: A comparison of their Net Profit Margin (TTM) against their respective Software and Banks industry benchmarks.

Operating Profit Margin (TTM)

MARA

40.16%

Software Industry

Max: 60.40%
Q3: 21.25%
Median: 9.90%
Q1: -4.97%
Min: -43.50%

An Operating Profit Margin of 40.16% places MARA in the upper quartile for the Software industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.

TFC

29.06%

Banks Industry

Max: 63.35%
Q3: 44.73%
Median: 37.24%
Q1: 28.25%
Min: 12.28%

TFC’s Operating Profit Margin of 29.06% is around the midpoint for the Banks industry, indicating that its efficiency in managing core business operations is typical for the sector.

MARA vs. TFC: A comparison of their Operating Profit Margin (TTM) against their respective Software and Banks industry benchmarks.

Profitability at a Glance

Symbol	MARA	TFC
Return on Equity (TTM)	17.52%	8.06%
Return on Assets (TTM)	11.06%	0.98%
Net Profit Margin (TTM)	85.02%	23.80%
Operating Profit Margin (TTM)	40.16%	29.06%
Gross Profit Margin (TTM)	-26.24%	--

Financial Strength

Current Ratio (MRQ)

MARA

0.54

Software Industry

Max: 4.29
Q3: 2.37
Median: 1.40
Q1: 1.03
Min: 0.25

MARA’s Current Ratio of 0.54 falls into the lower quartile for the Software industry. This indicates a tighter liquidity situation and a more constrained capacity to handle short-term debt than many of its competitors.

TFC

Banks Industry

Max: --
Q3: --
Median: --
Q1: --
Min: --

For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

MARA vs. TFC: A comparison of their Current Ratio (MRQ) against their respective Software and Banks industry benchmarks.

Debt-to-Equity Ratio (MRQ)

MARA

0.54

Software Industry

Max: 2.16
Q3: 0.86
Median: 0.31
Q1: 0.00
Min: 0.00

MARA’s Debt-to-Equity Ratio of 0.54 is typical for the Software industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.

TFC

0.94

Banks Industry

Max: 5.78
Q3: 2.66
Median: 1.05
Q1: 0.40
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.

MARA vs. TFC: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Software and Banks industry benchmarks.

Interest Coverage Ratio (TTM)

MARA

10.78

Software Industry

Max: 89.65
Q3: 32.64
Median: 1.00
Q1: -9.84
Min: -71.23

MARA’s Interest Coverage Ratio of 10.78 is positioned comfortably within the norm for the Software industry, indicating a standard and healthy capacity to cover its interest payments.

TFC

Banks Industry

Max: --
Q3: --
Median: --
Q1: --
Min: --

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.

MARA vs. TFC: A comparison of their Interest Coverage Ratio (TTM) against their respective Software and Banks industry benchmarks.

Financial Strength at a Glance

Symbol	MARA	TFC
Current Ratio (MRQ)	0.54	--
Quick Ratio (MRQ)	0.44	--
Debt-to-Equity Ratio (MRQ)	0.54	0.94
Interest Coverage Ratio (TTM)	10.78	--

Growth

Revenue Growth

MARA vs. TFC: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

MARA vs. TFC: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

MARA

0.00%

Software Industry

Max: 0.22%
Q3: 0.11%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

MARA currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.

TFC

5.23%

Banks Industry

Max: 11.03%
Q3: 6.00%
Median: 3.87%
Q1: 2.41%
Min: 0.00%

TFC’s Dividend Yield of 5.23% is consistent with its peers in the Banks industry, providing a dividend return that is standard for its sector.

MARA vs. TFC: A comparison of their Dividend Yield (TTM) against their respective Software and Banks industry benchmarks.

Dividend Payout Ratio (TTM)

MARA

0.00%

Software Industry

Max: 3.29%
Q3: 2.41%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

MARA has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.

TFC

58.92%

Banks Industry

Max: 134.24%
Q3: 79.39%
Median: 55.09%
Q1: 36.09%
Min: 0.00%

TFC’s Dividend Payout Ratio of 58.92% is within the typical range for the Banks industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

MARA vs. TFC: A comparison of their Dividend Payout Ratio (TTM) against their respective Software and Banks industry benchmarks.

Dividend at a Glance

Symbol	MARA	TFC
Dividend Yield (TTM)	0.00%	5.23%
Dividend Payout Ratio (TTM)	0.00%	58.92%

Valuation

Price-to-Earnings Ratio (TTM)

MARA

10.17

Software Industry

Max: 145.74
Q3: 94.88
Median: 45.35
Q1: 26.66
Min: 8.80

In the lower quartile for the Software industry, MARA’s P/E Ratio of 10.17 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

TFC

11.27

Banks Industry

Max: 22.69
Q3: 13.75
Median: 10.32
Q1: 7.73
Min: 2.59

TFC’s P/E Ratio of 11.27 is within the middle range for the Banks industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

MARA vs. TFC: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Software and Banks industry benchmarks.

Price-to-Sales Ratio (TTM)

MARA

8.65

Software Industry

Max: 25.67
Q3: 13.68
Median: 8.28
Q1: 4.95
Min: 0.90

MARA’s P/S Ratio of 8.65 aligns with the market consensus for the Software industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

TFC

1.76

Banks Industry

Max: 4.90
Q3: 2.98
Median: 2.24
Q1: 1.59
Min: 0.45

The P/S Ratio is often not a primary valuation tool in the Banks industry.

MARA vs. TFC: A comparison of their Price-to-Sales Ratio (TTM) against their respective Software and Banks industry benchmarks.

Price-to-Book Ratio (MRQ)

MARA

1.15

Software Industry

Max: 30.67
Q3: 14.92
Median: 8.52
Q1: 3.89
Min: 0.38

MARA’s P/B Ratio of 1.15 is in the lower quartile for the Software industry. From a value investing perspective, this is favorable, as it suggests the stock is trading at a discount to its net asset value and may offer a greater margin of safety.

TFC

0.85

Banks Industry

Max: 2.09
Q3: 1.40
Median: 1.11
Q1: 0.86
Min: 0.29

TFC’s P/B Ratio of 0.85 is in the lower quartile for the Banks industry. From a value investing perspective, this is favorable, as it suggests the stock is trading at a discount to its net asset value and may offer a greater margin of safety.

MARA vs. TFC: A comparison of their Price-to-Book Ratio (MRQ) against their respective Software and Banks industry benchmarks.

Valuation at a Glance

Symbol	MARA	TFC
Price-to-Earnings Ratio (TTM)	10.17	11.27
Price-to-Sales Ratio (TTM)	8.65	1.76
Price-to-Book Ratio (MRQ)	1.15	0.85
Price-to-Free Cash Flow Ratio (TTM)	1,725.88	14.82