Triumph Financial Inc Financials
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).
A larger balance sheet is producing thinner returns as funding costs absorb most of the earnings power from asset growth.
From FY2022 to FY2025, revenue barely moved from$419M to$430M , showing that recent balance-sheet growth did not translate into meaningfully higher reported revenue or better asset productivity. Over the same span, interest expense climbed from$18.7M to$79.9M , which helps explain why net income and shareholder returns compressed even as assets expanded.
The company is operating with a highly leveraged balance sheet: debt-to-equity reached 5.8x in FY2025 while ROA was only
Recent expansion looks externally financed rather than self-funded. In FY2025, investing cash outflow of
Financial Health Signals
Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →
Health score ≠ stock price. This rates the quality of Triumph Financial Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Triumph Financial Inc's revenue grew a modest 1.9% year-over-year to $430.5M. This slow but positive growth earns a score of 35/100.
Triumph Financial Inc has elevated debt relative to equity (D/E of 5.78), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
Triumph Financial Inc generates a 2.7% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 17/100. This is up from 1.8% the prior year.
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.
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
Earnings & Revenue
Triumph Financial Inc generated $430.5M in revenue in fiscal year 2025. This represents an increase of 1.9% from the prior year.
Triumph Financial Inc reported $25.4M in net income in fiscal year 2025. This represents an increase of 57.6% from the prior year.
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 & Balance Sheet
Triumph Financial Inc held $248.5M in cash against $0 in long-term debt as of fiscal year 2025.
Triumph Financial Inc had 24M shares outstanding in fiscal year 2025. This represents an increase of 1.6% from the prior year.
Margins & Returns
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.
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.
Capital Allocation
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.
TFIN Income Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $102.8M-6.6% | $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 |
| 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 | $58.2M+5.6% | $55.1M-8.5% | $60.2M+0.5% | $59.9M+2.0% | $58.7M+8.9% | $53.9M-2.7% | $55.4M-1.0% | $56.0M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $16.7M-18.2% | $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 |
| Income Tax | $1.8M-60.2% | $4.5M+1158.8% | -$425K-112.1% | $3.5M+6511.3% | $53K-97.3% | $2.0M+111.9% | $940K+12.3% | $837K |
| Net Income | $6.4M-66.9% | $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 |
| EPS (Diluted) | $0.23 | N/A | $0.04-73.3% | $0.15+600.0% | $-0.03 | N/A | $0.19+137.5% | $0.08 |
TFIN Balance Sheet
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $6.9B+7.8% | $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 |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $581.9M+134.2% | $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 |
| 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 | $355.3M0.0% | $355.3M+0.4% | $353.9M0.0% | $353.9M+46.3% | $241.9M0.0% | $241.9M+3.5% | $233.7M0.0% | $233.7M |
| Total Liabilities | $5.9B+9.0% | $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 |
| 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 | $950.7M+0.9% | $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 |
| Retained Earnings | $576.9M+1.0% | $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 |
TFIN Cash Flow Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $5.1M-86.1% | $36.5M+49.5% | $24.4M+149.1% | $9.8M+370.8% | -$3.6M-117.4% | $20.8M-21.7% | $26.6M+21.7% | $21.9M |
| Capital Expenditures | $1.7M | N/A | $2.0M-35.4% | $3.0M-28.3% | $4.2M | N/A | $815K | N/A |
| Free Cash Flow | $3.3M | N/A | $22.4M+232.4% | $6.8M+185.8% | -$7.9M | N/A | $25.8M | N/A |
| Investing Cash Flow | -$171.4M-343.1% | $70.5M+341.6% | -$29.2M+92.9% | -$411.8M-165.8% | -$154.9M+38.9% | -$253.8M-145.9% | -$103.2M+17.6% | -$125.3M |
| Financing Cash Flow | $499.8M+8823.7% | -$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 |
| Dividends Paid | $801K-0.1% | $802K+0.1% | $801K-0.1% | $802K+0.1% | $801K-0.1% | $802K+0.1% | $801K-0.1% | $802K |
| Share Buybacks | $92K | $0 | $0-100.0% | $2.1M+1539.8% | $128K+12900.0% | -$1K | $0-100.0% | $3.2M |
TFIN Financial Ratios
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| 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 | 6.2%-11.3pp | 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% |
| Return on Equity | 0.7%-1.4pp | 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% |
| Return on Assets | 0.1%-0.2pp | 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% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 6.23+0.5 | 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 |
| FCF Margin | 3.2% | N/A | 20.6%+14.4pp | 6.2%+13.9pp | -7.7% | N/A | 23.9% | 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 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.
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 to 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.
How financially healthy is Triumph Financial Inc?
Triumph Financial Inc (TFIN) scores 9 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.