Triumph Financial Inc Financials

TFIN

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Triumph Financial Inc (TFIN) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 14 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Piotroski F-Score Neutral

4/9

Triumph Financial Inc passes 4 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Cash-Backed

2.64x

For every $1 of reported earnings, Triumph Financial Inc generates $2.64 in operating cash flow ($67.1M OCF vs $25.4M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Revenue

$430.5M

YoY+1.9%

5Y CAGR+6.0%

10Y CAGR+15.9%

Triumph Financial Inc generated $430.5M in revenue in fiscal year 2025. This represents an increase of 1.9% from the prior year.

EBITDA

N/A

Free Cash Flow

N/A

Net Income

$25.4M

YoY+57.6%

5Y CAGR-16.9%

10Y CAGR-1.4%

Triumph Financial Inc reported $25.4M in net income in fiscal year 2025. This represents an increase of 57.6% from the prior year.

EPS (Diluted)

$0.93

YoY+72.2%

5Y CAGR-18.1%

10Y CAGR-5.1%

Triumph Financial Inc earned $0.93 per diluted share (EPS) in fiscal year 2025. This represents an increase of 72.2% from the prior year.

Cash & Debt

$248.5M

YoY-24.7%

5Y CAGR-4.6%

10Y CAGR+9.0%

Triumph Financial Inc held $248.5M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

24M

YoY+1.6%

5Y CAGR-0.9%

10Y CAGR+2.8%

Triumph Financial Inc had 24M shares outstanding in fiscal year 2025. This represents an increase of 1.6% from the prior year.

Gross Margin

N/A

Operating Margin

N/A

Net Margin

5.9%

YoY+2.1pp

5Y CAGR-14.0pp

10Y CAGR-23.6pp

Triumph Financial Inc's net profit margin was 5.9% in fiscal year 2025, showing the share of revenue converted to profit. This is up 2.1 percentage points from the prior year.

Return on Equity

2.7%

YoY+0.9pp

5Y CAGR-6.1pp

10Y CAGR-8.2pp

Triumph Financial Inc's ROE was 2.7% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.9 percentage points from the prior year.

R&D Spending

N/A

Share Buybacks

$2.2M

YoY-32.4%

5Y CAGR-42.6%

10Y CAGR+20.6%

Triumph Financial Inc spent $2.2M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 32.4% from the prior year.

Capital Expenditures

N/A

TFIN Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$430.5M+1.9%	$422.5M0.0%	$422.4M+0.8%	$419.2M+8.2%	$387.6M+20.3%	$322.1M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$79.9M+10.9%	$72.1M+32.6%	$54.3M+189.9%	$18.7M+1.7%	$18.4M-50.7%	$37.4M
Income Tax	$7.6M+74.3%	$4.4M-62.7%	$11.7M-66.2%	$34.7M+8.5%	$32.0M+54.6%	$20.7M
Net Income	$25.4M+57.6%	$16.1M-60.8%	$41.1M-59.8%	$102.3M-9.4%	$113.0M+76.5%	$64.0M
EPS (Diluted)	$0.93+72.2%	$0.54-66.5%	$1.61-59.3%	$3.96-9.0%	$4.35+71.9%	$2.53

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$110.1M+1.0%	$108.9M-0.2%	$109.2M+6.8%	$102.3M-3.0%	$105.5M-2.4%	$108.1M+1.0%	$107.0M+5.0%	$101.9M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$20.4M-3.5%	$21.1M+2.8%	$20.5M+14.7%	$17.9M+1.2%	$17.7M-8.8%	$19.4M+1.4%	$19.1M+20.0%	$15.9M
Income Tax	$4.5M+1158.8%	-$425K-112.1%	$3.5M+6511.3%	$53K-97.3%	$2.0M+111.9%	$940K+12.3%	$837K+37.4%	$609K
Net Income	$19.2M+1024.9%	$1.7M-61.4%	$4.4M+25900.0%	$17K-99.6%	$3.8M-28.2%	$5.3M+94.6%	$2.7M-33.9%	$4.2M
EPS (Diluted)	$0.14+250.0%	$0.04-73.3%	$0.15+600.0%	$-0.03-104.5%	$0.66+247.4%	$0.19+137.5%	$0.08-42.9%	$0.14

TFIN Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$6.4B+7.3%	$5.9B+11.3%	$5.3B+0.3%	$5.3B-10.5%	$6.0B+0.3%	$5.9B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$248.5M-24.7%	$330.1M+15.2%	$286.6M-29.8%	$408.2M+6.5%	$383.2M+21.9%	$314.4M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$355.3M+46.8%	$241.9M+3.5%	$233.7M0.0%	$233.7M0.0%	$233.7M+43.2%	$163.2M
Total Liabilities	$5.4B+7.5%	$5.1B+12.8%	$4.5B+0.9%	$4.4B-12.8%	$5.1B-2.1%	$5.2B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	$27.1M-85.9%	$191.9M
Total Equity	$941.8M+5.7%	$890.9M+3.1%	$864.4M-2.8%	$889.0M+3.5%	$858.9M+18.2%	$726.8M
Retained Earnings	$571.4M+4.0%	$549.2M+2.4%	$536.3M+7.6%	$498.5M+24.8%	$399.4M+37.9%	$289.6M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$6.4B+0.4%	$6.4B-2.1%	$6.5B+3.6%	$6.3B+5.4%	$5.9B+1.4%	$5.9B+1.4%	$5.8B+3.7%	$5.6B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$248.5M+68.8%	$147.2M-47.9%	$282.3M-43.9%	$502.9M+52.4%	$330.1M-32.5%	$489.3M-2.3%	$500.7M+20.1%	$417.0M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$355.3M+0.4%	$353.9M0.0%	$353.9M+46.3%	$241.9M0.0%	$241.9M+3.5%	$233.7M0.0%	$233.7M0.0%	$233.7M
Total Liabilities	$5.4B0.0%	$5.4B-2.6%	$5.6B+3.9%	$5.4B+6.3%	$5.1B+1.6%	$5.0B+1.5%	$4.9B+4.4%	$4.7B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$941.8M+2.4%	$919.3M+0.8%	$912.4M+2.1%	$893.9M+0.3%	$890.9M+0.6%	$885.8M+1.3%	$874.2M+0.2%	$872.3M
Retained Earnings	$571.4M+3.3%	$553.0M+0.2%	$552.0M+0.7%	$548.4M-0.1%	$549.2M+0.6%	$546.2M+0.8%	$541.6M+0.4%	$539.7M

TFIN Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$67.1M+14.6%	$58.5M-2.5%	$60.0M-25.7%	$80.8M-41.0%	$137.0M+40.7%	$97.3M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$525.5M+10.9%	-$590.0M-355.6%	-$129.5M-119.4%	$666.1M+757.8%	$77.7M+110.0%	-$774.7M
Financing Cash Flow	$376.8M-34.5%	$574.9M+1204.6%	-$52.1M+92.8%	-$721.9M-395.0%	-$145.8M-118.4%	$793.9M
Dividends Paid	$3.2M0.0%	$3.2M0.0%	$3.2M0.0%	$3.2M0.0%	$3.2M+88.5%	$1.7M
Share Buybacks	$2.2M-32.4%	$3.3M-96.0%	$81.6M+6.4%	$76.7M+6081.6%	$1.2M-96.5%	$35.8M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$36.5M+49.5%	$24.4M+167.1%	$9.1M+409.0%	-$3.0M-114.2%	$20.8M-21.7%	$26.6M+21.7%	$21.9M+303.7%	-$10.7M
Capital Expenditures	$729K-62.9%	$2.0M	N/A	N/A	$979K+20.1%	$815K	N/A	N/A
Free Cash Flow	$5.1M-77.1%	$22.4M	N/A	N/A	-$10.2M-139.7%	$25.8M	N/A	N/A
Investing Cash Flow	$70.5M+341.6%	-$29.2M+92.9%	-$411.2M-164.2%	-$155.6M+38.7%	-$253.8M-145.9%	-$103.2M+17.6%	-$125.3M-16.3%	-$107.7M
Financing Cash Flow	-$5.7M+95.6%	-$130.3M-171.8%	$181.4M-45.2%	$331.4M+349.0%	$73.8M+13.1%	$65.2M-65.1%	$187.0M-24.8%	$248.8M
Dividends Paid	$802K+0.1%	$801K-0.1%	$802K+0.1%	$801K-0.1%	$802K+0.1%	$801K-0.1%	$802K+0.1%	$801K
Share Buybacks	$0	$0-100.0%	$2.1M+1539.8%	$128K+12900.0%	-$1K	$0-100.0%	$3.2M+3865.4%	$81K

TFIN Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	5.9%+2.1pp	3.8%-5.9pp	9.7%-14.7pp	24.4%-4.7pp	29.1%+9.3pp	19.9%
Return on Equity	2.7%+0.9pp	1.8%-2.9pp	4.8%-6.8pp	11.5%-1.6pp	13.2%+4.3pp	8.8%
Return on Assets	0.4%+0.1pp	0.3%-0.5pp	0.8%-1.1pp	1.9%+0.0pp	1.9%+0.8pp	1.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	5.78+0.1	5.68+0.5	5.19+0.2	5.00+5.0	0.03-0.2	0.26
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	17.5%+15.9pp	1.6%-2.5pp	4.0%+4.0pp	0.0%-3.6pp	3.6%-1.3pp	5.0%+2.4pp	2.6%-1.5pp	4.1%
Return on Equity	2.0%+1.9pp	0.2%-0.3pp	0.5%+0.5pp	0.0%-0.4pp	0.4%-0.2pp	0.6%+0.3pp	0.3%-0.2pp	0.5%
Return on Assets	0.3%+0.3pp	0.0%-0.0pp	0.1%+0.1pp	0.0%-0.1pp	0.1%-0.0pp	0.1%+0.0pp	0.1%-0.0pp	0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	5.78-0.1	5.92-0.2	6.12+0.1	6.01+0.3	5.68+0.1	5.620.0	5.62+0.2	5.39
FCF Margin	22.1%+1.5pp	20.6%	N/A	N/A	-54.3%-78.2pp	23.9%	N/A	N/A

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Frequently Asked Questions

What is Triumph Financial Inc's annual revenue?

Triumph Financial Inc (TFIN) reported $430.5M in total revenue for fiscal year 2025. This represents a 1.9% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Triumph Financial Inc's revenue growing?

Triumph Financial Inc (TFIN) revenue grew by 1.9% year-over-year, from $422.5M to $430.5M in fiscal year 2025.

Is Triumph Financial Inc profitable?

Yes, Triumph Financial Inc (TFIN) reported a net income of $25.4M in fiscal year 2025, with a net profit margin of 5.9%.

What is Triumph Financial Inc's earnings per share (EPS)?

Triumph Financial Inc (TFIN) reported diluted earnings per share of $0.93 for fiscal year 2025. This represents a 72.2% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

What is Triumph Financial Inc's net profit margin?

Triumph Financial Inc (TFIN) had a net profit margin of 5.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Triumph Financial Inc's return on equity (ROE)?

Triumph Financial Inc (TFIN) has a return on equity of 2.7% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Triumph Financial Inc's operating cash flow?

Triumph Financial Inc (TFIN) generated $67.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Triumph Financial Inc's total assets?

Triumph Financial Inc (TFIN) had $6.4B in total assets as of fiscal year 2025, including both current and long-term assets.

Does Triumph Financial Inc buy back shares?

Yes, Triumph Financial Inc (TFIN) spent $2.2M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Triumph Financial Inc have outstanding?

Triumph Financial Inc (TFIN) had 24M shares outstanding as of fiscal year 2025.

What is Triumph Financial Inc's debt-to-equity ratio?

Triumph Financial Inc (TFIN) had a debt-to-equity ratio of 5.78 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Triumph Financial Inc's return on assets (ROA)?

Triumph Financial Inc (TFIN) had a return on assets of 0.4% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Triumph Financial Inc's Piotroski F-Score?

Triumph Financial Inc (TFIN) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Triumph Financial Inc's earnings high quality?

Triumph Financial Inc (TFIN) has an earnings quality ratio of 2.64x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.