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Upturn AI SWOT - About
TFIN 
Triumph Financial, Inc. (TFIN)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
10/13/2025: 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 $58.25
1 Year Target Price $58.25
| 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 10/13/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.11B USD | Price to earnings Ratio 106.7 | 1Y Target Price 58.25 |
Price to earnings Ratio 106.7 | 1Y Target Price 58.25 | ||
Volume (30-day avg) 5 | Beta 1.31 | 52 Weeks Range 42.90 - 110.58 | Updated Date 10/12/2025 |
52 Weeks Range 42.90 - 110.58 | Updated Date 10/12/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.44 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-15 | When After Market | Estimate 0.12 | Actual - |
Profitability
Profit Margin 3.33% | Operating Margin (TTM) 13.87% |
Management Effectiveness
Return on Assets (TTM) 0.22% | Return on Equity (TTM) 1.53% |
Valuation
Trailing PE 106.7 | Forward PE - | Enterprise Value 1198571776 | Price to Sales(TTM) 2.72 |
Enterprise Value 1198571776 | Price to Sales(TTM) 2.72 | ||
Enterprise Value to Revenue 3.55 | Enterprise Value to EBITDA - | Shares Outstanding 23734073 | Shares Floating 21317944 |
Shares Outstanding 23734073 | Shares Floating 21317944 | ||
Percent Insiders 5.46 | Percent Institutions 96.73 |
Upturn AI SWOT
Triumph Financial, Inc.
Company Overview
History and Background
Triumph Financial, Inc., formerly Triumph Bancorp, Inc., was founded in 2006. It began as a community bank and evolved into a diversified financial services company focused on transportation finance, factoring, and insurance services. The company went public in 2014.
Core Business Areas
- Transportation Finance: Provides financing and leasing solutions for commercial vehicles and equipment.
- Factoring: Offers invoice factoring services to small and medium-sized trucking companies.
- TriumphPay: A payment platform for the transportation industry, facilitating secure and efficient payments between shippers, brokers, and carriers.
- Insurance: Offers insurance products tailored for the transportation industry.
Leadership and Structure
Aaron P. Graft serves as the CEO and Vice Chairman. The company operates with a traditional corporate structure, divided into business units led by executive management and overseen by a board of directors.
Top Products and Market Share
Key Offerings
- TriumphPay: A payment platform for the transportation industry. It aims to streamline payments and reduce fraud. Triumph Financial handles 41% of broker payments. Competitors include PayCargo and Comdata.
- Factoring Services: Provides working capital to trucking companies by purchasing their invoices at a discount. Market share in the factoring industry is difficult to pinpoint exactly, but Triumph Business Capital is a significant player with around 10,000 clients. Competitors include Apex Capital Corp and OTR Capital.
- Transportation Equipment Finance: Offers financing and leasing for trucks and trailers. Competitors include Paccar Financial and Daimler Truck Financial.
Market Dynamics
Industry Overview
The transportation finance industry is influenced by factors such as freight rates, fuel prices, and regulatory changes. The factoring industry is driven by the need for working capital among trucking companies. Payments are moving towards automated systems. The insurance industry is driven by risk management for transportation carriers.
Positioning
Triumph Financial is positioned as a technology-enabled financial solutions provider specializing in the transportation industry. Its competitive advantage lies in its integrated platform and deep understanding of the industry.
Total Addressable Market (TAM)
The TAM for transportation finance, factoring, and payments is substantial, estimated in hundreds of billions of dollars annually. Triumph Financial is positioned to capture a significant portion through its integrated offerings, targeting small-to-medium sized trucking companies.
Upturn SWOT Analysis
Strengths
- Specialization in the transportation industry
- Integrated financial platform (TriumphPay)
- Strong relationships with trucking companies
- Experienced management team
Weaknesses
- Reliance on the transportation industry, making it susceptible to industry downturns
- Competition from larger financial institutions
- Potential for credit losses in factoring and lending businesses
- Relatively small size compared to major financial players
Opportunities
- Expansion of TriumphPay platform
- Increased demand for factoring services during economic uncertainty
- Acquisition of smaller competitors
- Development of new financial products and services
Threats
- Economic recession affecting the transportation industry
- Rising interest rates increasing borrowing costs
- Increased competition from fintech companies
- Regulatory changes impacting the transportation industry
Competitors and Market Share
Key Competitors
- GPN
- WEX
- FICO
- PAYX
Competitive Landscape
Triumph Financial differentiates itself through its focus on the transportation industry and its integrated platform. It faces competition from larger financial institutions and fintech companies.
Major Acquisitions
HUB Financial Solutions
- Year: 2023
- Acquisition Price (USD millions): 53
- Strategic Rationale: Expanded TriumphPay's freight factoring capabilities to better serve small-and mid-sized freight brokers.
Premium Transportation Logistics, LLC
- Year: 2022
- Acquisition Price (USD millions): 212
- Strategic Rationale: Acquired through TriumphPay to expand and automate freight invoice and payment processes and to expand the addressable market within the freight sector.
Growth Trajectory and Initiatives
Historical Growth: Triumph Financial has experienced strong growth in recent years, driven by its focus on the transportation industry and the expansion of its TriumphPay platform.
Future Projections: Analysts project continued growth in revenue and earnings, driven by increased adoption of TriumphPay and expansion of the company's factoring and lending businesses.
Recent Initiatives: Recent initiatives include strategic acquisitions to expand market presence and investment in technology to enhance the TriumphPay platform.
Summary
Triumph Financial is a specialized financial services company focused on the transportation industry. TriumphPay and factoring services are working well. Its reliance on the transportation sector exposes it to economic downturns, however continued growth in technology like TriumphPay should serve it well. Competition from larger institutions remains a challenge that will require future strategic growth and innovation.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Triumph Financial, Inc. Investor Relations
- SEC Filings
- Analyst Reports
- Company Press Releases
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions and company performance can change, and past performance is not indicative of future results.
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 1561 | Website https://www.tfin.com |
Full time employees 1561 | Website https://www.tfin.com | ||
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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