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TFIN 
Triumph Financial, Inc. (TFIN)
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Upturn Advisory Summary
12/03/2025: TFIN (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $62
1 Year Target Price $62
| 0 | Strong Buy |
| 0 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -34.77% | Avg. Invested days 29 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/03/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.43B USD | Price to earnings Ratio 214.64 | 1Y Target Price 62 |
Price to earnings Ratio 214.64 | 1Y Target Price 62 | ||
Volume (30-day avg) 5 | Beta 1.5 | 52 Weeks Range 42.90 - 105.26 | Updated Date 12/4/2025 |
52 Weeks Range 42.90 - 105.26 | Updated Date 12/4/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.28 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 2.42% | Operating Margin (TTM) 12.34% |
Management Effectiveness
Return on Assets (TTM) 0.16% | Return on Equity (TTM) 1.11% |
Valuation
Trailing PE 214.64 | Forward PE - | Enterprise Value 1746334464 | Price to Sales(TTM) 3.46 |
Enterprise Value 1746334464 | Price to Sales(TTM) 3.46 | ||
Enterprise Value to Revenue 4.19 | Enterprise Value to EBITDA - | Shares Outstanding 23763401 | Shares Floating 21336920 |
Shares Outstanding 23763401 | Shares Floating 21336920 | ||
Percent Insiders 5.46 | Percent Institutions 97.27 |
Upturn AI SWOT
Triumph Financial, Inc.
Company Overview
History and Background
Triumph Financial, Inc., formerly Triumph Bancorp, Inc., was founded in 2003. It has grown through acquisitions and organic expansion, focusing on providing financial solutions to the transportation industry. Initial focus was community banking which transformed into focusing on factoring and other financial services for the transportation industry. Has made numerous acquisitions to grow its financial services.
Core Business Areas
- Triumph Business Capital: Provides factoring services for small to medium-sized trucking companies. Offers invoice factoring, fuel advances, and other related services.
- TriumphPay: A payment platform for the transportation industry that streamlines transactions between shippers, brokers, and carriers. It automates invoice processing, payment disbursement, and reconciliation.
- Triumph Insurance Group: Offers insurance products and services to the transportation industry, including commercial auto, cargo, and workers' compensation insurance.
- Triumph Commercial Finance: Provides asset-based lending and equipment financing solutions to businesses across various industries. Focus on transportation.
Leadership and Structure
Aaron P. Graft serves as the Chief Executive Officer. The company has a traditional corporate structure with a board of directors and various executive leadership positions overseeing different business units.
Top Products and Market Share
Key Offerings
- Factoring Services (Triumph Business Capital): Provides invoice factoring services to trucking companies, offering immediate cash flow in exchange for accounts receivable. Competitors include companies like Apex Capital, Tab Bank, and eCapital. No exact market share data available, but Triumph is a major player in the transportation factoring market. Market share estimated at 5 to 10 percent.
- TriumphPay: Payment platform for the transportation industry that automates payments and streamlines financial transactions between shippers, brokers, and carriers. Competitors include companies like PayCargo and FleetOne. No specific market share data is published; however, TriumphPay processes billions of dollars in payments annually, placing it as a key player in the space. Revenue is a significant portion of Triumph Financial's total revenue.
Market Dynamics
Industry Overview
The transportation finance industry is characterized by a large number of small to medium-sized trucking companies that require factoring services to manage cash flow. The payment processing segment is seeing increased digitalization and demand for efficient payment solutions. The insurance sector faces rising premiums and regulatory changes.
Positioning
Triumph Financial is well-positioned as a provider of integrated financial solutions to the transportation industry, offering factoring, payment processing, and insurance services. Their integrated approach provides a competitive advantage.
Total Addressable Market (TAM)
The total addressable market for transportation factoring is estimated to be in the tens of billions of dollars annually. The electronic payment processing market for transportation is also a multi-billion dollar market. Triumph Financial is positioned to capture a larger share of these markets through its integrated solutions.
Upturn SWOT Analysis
Strengths
- Integrated financial solutions for the transportation industry
- Strong brand reputation
- Experienced management team
- Proprietary technology platform (TriumphPay)
- Diversified revenue streams
Weaknesses
- Concentration in the transportation industry
- Exposure to credit risk in factoring business
- Dependence on economic conditions in the transportation sector
- Relatively high operating expenses compared to some competitors
Opportunities
- Further expansion into new transportation-related services
- Increased adoption of digital payment solutions
- Acquisition of smaller factoring companies
- Geographic expansion
- Partnerships with technology providers
Threats
- Economic downturn impacting the transportation industry
- Increased competition from established players and new entrants
- Changes in regulations impacting factoring or payment processing
- Cybersecurity risks
- Rising interest rates
Competitors and Market Share
Key Competitors
- OTR
- WERN
- CASH
Competitive Landscape
Triumph Financial differentiates itself through its integrated suite of financial solutions tailored to the transportation industry. While OTR and WERN (Werner Enterprises) participate in portions of the market, Triumph focuses primarily on providing a one-stop shop. CASH provides factoring only.
Major Acquisitions
HubTran
- Year: 2020
- Acquisition Price (USD millions): 97
- Strategic Rationale: Acquired HubTran to enhance TriumphPay's capabilities and expand its customer base.
Growth Trajectory and Initiatives
Historical Growth: Triumph Financial has experienced significant growth in recent years, driven by acquisitions and organic expansion.
Future Projections: Analysts predict continued growth in revenue and earnings, driven by increased adoption of TriumphPay and expansion of factoring services. Estimated annual growth rate of 10-15%.
Recent Initiatives: Focusing on expanding TriumphPay platform, expanding factoring portfolio and integrating past acquisitions.
Summary
Triumph Financial has a very strong strategic plan and its integrated financial solutions provide a competitive edge in the transportation industry. Their growth trajectory is solid, and they should continue to grow as the industry continues to adopt digital payment solutions. However, they are exposed to the economic downturns of the transportation industry, cybersecurity and rising interest rates. They have a good history of acquisitions.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Analyst Reports
- Industry Publications
- Company Website
Disclaimers:
This analysis is based on available information and general market conditions. Actual results may vary. This is not financial advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Triumph Financial, Inc.
Exchange NASDAQ | Headquaters Dallas, TX, United States | ||
IPO Launch date 2014-11-07 | Founder, Vice Chairman, President & CEO Mr. Aaron P. Graft J.D. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1542 | Website https://triumph.io |
Full time employees 1542 | Website https://triumph.io | ||
Triumph Financial, Inc., a financial holding company, provides banking, factoring, payments, and intelligence services in the United States. The company offers deposit products, including checking, savings, money market, and certificates of deposit; and loan products, such as commercial real estate, land, commercial construction and land development, residential real estate, commercial agriculture, and consumer loans, as well as commercial and industrial loans, equipment loans, asset-based loans, business loans for working capital and operational purposes, and liquid credit loans. It also provides electronic banking services, debit cards, insurance brokerage services, mortgage warehouse facilities, and transportation factoring services; payments services offered through TriumphPay platform, a payments network for the over-the-road trucking industry; and LoadPay product, a digital bank account developed for Carriers, as well as provides service and performance scoring and benchmarking to the over-the-road trucking industry. The company was formerly known as Triumph Bancorp, Inc. and changed its name to Triumph Financial, Inc. in December 2022. Triumph Financial, Inc. was incorporated in 2003 and is headquartered in Dallas, Texas.
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