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Upturn AI SWOT - About
TFIN 
Triumph Financial, Inc. (TFIN)
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Upturn Advisory Summary
08/28/2025: 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 $60.5
1 Year Target Price $60.5
| 0 | Strong Buy |
| 0 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -23.98% | Avg. Invested days 31 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.48B USD | Price to earnings Ratio 140.18 | 1Y Target Price 60.5 |
Price to earnings Ratio 140.18 | 1Y Target Price 60.5 | ||
Volume (30-day avg) 5 | Beta 1.29 | 52 Weeks Range 42.90 - 110.58 | Updated Date 08/29/2025 |
52 Weeks Range 42.90 - 110.58 | Updated Date 08/29/2025 | ||
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 - | When - | Estimate - | 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 140.18 | Forward PE - | Enterprise Value 1548174592 | Price to Sales(TTM) 3.61 |
Enterprise Value 1548174592 | Price to Sales(TTM) 3.61 | ||
Enterprise Value to Revenue 4.3 | Enterprise Value to EBITDA - | Shares Outstanding 23734100 | Shares Floating 21300856 |
Shares Outstanding 23734100 | Shares Floating 21300856 | ||
Percent Insiders 5.52 | 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 2003. It is a financial holding company offering a diverse range of financial services, primarily focusing on transportation-related businesses. Initially focused on community banking, the company expanded into factoring, insurance, and other financial services through strategic acquisitions and organic growth.
Core Business Areas
- Triumph Business Capital: Provides factoring services to transportation and other industries, offering working capital solutions based on accounts receivable.
- TriumphPay: A payment platform focused on the transportation industry, facilitating payments between shippers, brokers, and carriers.
- Triumph Insurance: Offers commercial insurance products to transportation and other businesses.
Leadership and Structure
Aaron P. Graft is the Chief Executive Officer. The organizational structure includes various divisions led by executive management, overseeing the different business segments.
Top Products and Market Share
Key Offerings
- Factoring Services: Provides accounts receivable factoring to trucking companies and other businesses. Market share is significant in the freight factoring space, but specific percentages are difficult to ascertain due to the fragmented nature of the industry. Competitors include Apex Capital Corp, eCapital Corp, and Tab Bank.
- TriumphPay Platform: A payment processing platform designed for the freight industry. This platform processes billions of dollars annually. Competitors include Comdata, Wex, and various TMS platforms with integrated payment solutions.
- Commercial Insurance: Offers insurance policies to trucking companies. Triumph competes with major insurance carriers and specialized transportation insurance providers.
Market Dynamics
Industry Overview
The financial services industry for transportation is experiencing growth driven by increased freight activity and the need for efficient payment and working capital solutions. There's increasing adoption of technology and a growing focus on digital payment platforms.
Positioning
Triumph Financial Inc. is positioned as a specialized financial services provider for the transportation industry, offering a combination of factoring, payment solutions, and insurance. Its competitive advantages include its integrated platform and deep industry expertise.
Total Addressable Market (TAM)
The TAM for freight factoring and payment solutions is estimated to be in the tens of billions of dollars annually. Triumph is positioned to capture a portion of this TAM through its specialized services and integrated platform.
Upturn SWOT Analysis
Strengths
- Specialized industry focus
- Integrated platform of services
- Experienced management team
- Strong relationships with transportation companies
Weaknesses
- Concentration in the transportation industry
- Sensitivity to economic cycles
- Potential for credit losses in factoring business
- Reliance on acquisitions for growth
Opportunities
- Expansion into new geographic markets
- Development of new products and services
- Increased adoption of digital payment solutions
- Further consolidation in the transportation industry
Threats
- Economic downturn
- Increased competition
- Changes in regulations
- Disruptive technologies
Competitors and Market Share
Key Competitors
- WEX (WEX)
- Comdata (FLE)
- Apex Capital Corp. (Private)
Competitive Landscape
Triumph Financial competes with larger financial institutions and specialized factoring companies. Its advantages include its focus on the transportation industry and its integrated platform. Disadvantages include its smaller size and limited brand recognition compared to larger competitors.
Major Acquisitions
Advance Business Capital
- Year: 2019
- Acquisition Price (USD millions): 45
- Strategic Rationale: Expanded factoring services and geographic reach.
Growth Trajectory and Initiatives
Historical Growth: Triumph Financial has experienced significant growth through acquisitions and organic expansion of its factoring and payment platform businesses.
Future Projections: Analyst estimates project continued growth in revenue and earnings, driven by increasing adoption of TriumphPay and the continued demand for factoring services.
Recent Initiatives: Recent initiatives include strategic partnerships, technology investments to enhance the TriumphPay platform, and continued expansion of the factoring business.
Summary
Triumph Financial is a specialized financial services provider focused on the transportation industry. Its strength lies in its integrated platform and industry expertise, but it faces risks related to economic cycles and competition. The company's growth trajectory is promising, driven by increased adoption of its payment platform and factoring services, but it is very dependent on the transportation industry.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share figures are estimates and may vary. Financial data requires dynamic updates from current reporting periods.
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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