TFIN

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Triumph Financial, Inc.

Regulated industry Sells to businessesTags from an AI model reading the company description.

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Key Metrics

Previous Close: $61.13
52-Week Range: $46.43 – $83.52
Market Cap: $1.49B
P/E (TTM): 42.01
EPS (TTM): 1.48
Dividend Yield: 0.00%

Advanced Metrics

Price/Book: 1.62
PEG Ratio: 1.62
Return on Equity: 4.12%
Return on Assets: 0.56%
Gross Margin: 0.00%
Operating Margin: 21.28%
Profit Margin: 8.50%
Current Ratio: —
Debt/Equity: —
Total Debt: $156.89M
Free Cash Flow: —
Revenue Growth: 11.90%
Earnings Growth: 193.30%
Enterprise Value: $790.84M

TFIN Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$484.20M	$417.46M	$415.54M	$423.83M
Selling, General & Admin	$211.06M	$219.97M	$228.48M	$245.50M
Pretax Income	$137.00M	$52.81M	$20.47M	$32.99M
Income Tax	$34.69M	$11.73M	$4.38M	$7.63M
Net Income	$102.31M	$41.08M	$16.09M	$25.36M
Diluted EPS	3.96	1.61	0.54	0.93
Diluted Shares	25.02M	23.21M	23.78M	23.85M

TFIN Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$408.18M	$286.63M	$330.12M	$248.47M
Total Assets	$5.33B	$5.35B	$5.95B	$6.38B
Long-Term Debt	$178.96M	$405.42M	$142.01M	$392.87M
Total Debt	$178.96M	$405.42M	$142.01M	$392.87M
Total Liabilities	$4.44B	$4.48B	$5.06B	$5.44B
Retained Earnings	$498.46M	$536.33M	$549.22M	$571.37M
Shareholders' Equity	$888.97M	$864.40M	$890.92M	$941.77M
Net Debt	—	$118.78M	—	$144.40M

TFIN Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$80.75M	$60.01M	$58.54M	$67.06M
Capital Expenditure	-$17.18M	-$43.77M	-$87.17M	-$35.77M
Free Cash Flow	$63.58M	$16.24M	-$28.63M	$31.29M
Depreciation & Amortisation	$29.29M	$29.71M	$33.35M	$37.26M
Stock-Based Compensation	$21.18M	$13.23M	$14.52M	$14.01M
Investing Cash Flow	$666.11M	-$129.51M	-$590.00M	-$525.48M
Financing Cash Flow	-$721.87M	-$52.05M	$574.94M	$376.77M
Dividends Paid	-$3.21M	-$3.21M	-$3.21M	-$3.21M
Share Repurchases	-$76.71M	-$81.62M	-$3.29M	-$2.23M
Net Change in Cash	$25.00M	-$121.55M	$43.48M	-$81.65M

TFIN Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$108.38M	$109.28M	$104.97M	$104.72M	$122.12M
Selling, General & Admin	$62.61M	$63.87M	$58.11M	$60.44M	$62.66M
Pretax Income	$7.92M	$1.28M	$23.71M	$8.15M	$15.87M
Income Tax	$3.50M	-$425.00K	$4.50M	$1.79M	$4.50M
Net Income	$4.42M	$1.71M	$19.21M	$6.36M	$11.37M
Diluted EPS	0.15	0.04	0.77	0.23	0.44
Diluted Shares	23.77M	23.92M	23.96M	24.04M	24.15M

TFIN Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$282.35M	$147.22M	$248.47M	$581.94M	$896.81M
Total Assets	$6.49B	$6.36B	$6.38B	$6.88B	$7.40B
Long-Term Debt	$292.45M	$392.66M	$392.87M	$143.08M	$113.30M
Total Debt	$292.45M	$392.66M	$392.87M	$143.08M	$113.30M
Total Liabilities	$5.58B	$5.44B	$5.44B	$5.93B	$6.44B
Retained Earnings	$552.05M	$552.96M	$571.37M	$576.92M	$587.49M
Shareholders' Equity	$912.38M	$919.33M	$941.77M	$950.72M	$963.26M
Net Debt	$10.10M	$245.44M	$144.40M	—	—

TFIN Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$9.80M	$24.40M	$36.48M	$5.05M	$46.16M
Capital Expenditure	-$8.05M	-$6.76M	-$11.70M	-$7.00M	-$8.57M
Free Cash Flow	$1.74M	$17.65M	$24.78M	-$1.95M	$37.59M
Depreciation & Amortisation	$10.22M	$9.53M	$9.18M	$8.70M	$8.73M
Stock-Based Compensation	$3.43M	$4.01M	$3.74M	$3.42M	$4.11M
Investing Cash Flow	-$411.84M	-$29.18M	$70.50M	-$171.37M	-$215.81M
Financing Cash Flow	$181.45M	-$130.34M	-$5.73M	$499.78M	$484.52M
Dividends Paid	-$802.00K	-$801.00K	-$802.00K	-$801.00K	-$802.00K
Share Repurchases	-$2.10M	$0.00	$0.00	-$92.00K	-$2.13M
Net Change in Cash	-$220.60M	-$135.12M	$101.25M	$333.47M	$314.87M

Market Snapshot

About

Triumph Financial is a financial services company focused on providing technology-driven payment solutions for the transportation industry. Through its TriumphPay platform, the company offers freight invoice factoring, payment processing, and logistics technology services while also operating a regional commercial bank.