Triumph Financial, Inc.
Triumph Financial, Inc. Fundamental Analysis
Triumph Financial, Inc. (TFIN) shows weak financial fundamentals with a PE ratio of 50.37, profit margin of 8.38%, and ROE of 3.40%. The company generates $0.4B in annual revenue with moderate year-over-year growth of 5.83%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 39.3/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze TFIN's fundamental strength across five key dimensions:
Efficiency Score
WeakTFIN struggles to generate sufficient returns from assets.
Valuation Score
ModerateTFIN shows balanced valuation metrics.
Growth Score
ExcellentTFIN delivers strong and consistent growth momentum.
Financial Health Score
ModerateTFIN shows balanced financial health with some risks.
Profitability Score
WeakTFIN struggles to sustain strong margins.
Key Financial Metrics
Is TFIN Expensive or Cheap?
P/E Ratio
TFIN trades at 50.37 times earnings. This suggests a premium valuation.
PEG Ratio
When adjusting for growth, TFIN's PEG of 1.80 indicates fair valuation.
Price to Book
The market values Triumph Financial, Inc. at 1.68 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 42.11 times EBITDA. This signals the market has high growth expectations.
How Well Does TFIN Make Money?
Net Profit Margin
For every $100 in sales, Triumph Financial, Inc. keeps $8.38 as profit after all expenses.
Operating Margin
Core operations generate 8.70 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $3.40 in profit for every $100 of shareholder equity.
ROA
Triumph Financial, Inc. generates $0.46 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Triumph Financial, Inc. produces operating cash flow of $75.10M, showing steady but balanced cash generation.
Free Cash Flow
Triumph Financial, Inc. generates strong free cash flow of $59.14M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $2.49 in free cash annually.
FCF Yield
TFIN converts 3.70% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
50.37
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
1.80
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.68
vs 25 benchmark
P/S Ratio
Price to sales ratio
4.22
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.00
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.03
vs 25 benchmark
ROA
Return on assets percentage
0.005
vs 25 benchmark
ROCE
Return on capital employed
0.005
vs 25 benchmark
How TFIN Stacks Against Its Sector Peers
| Metric | TFIN Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 50.37 | 19.05 | Worse (Expensive) |
| ROE | 3.40% | 820.00% | Weak |
| Net Margin | 8.38% | 1618.00% | Weak |
| Debt/Equity | 0.00 | 1.00 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 657.68 | Weak Liquidity |
| ROA | 0.46% | -24974.00% (disorted) | Weak |
TFIN outperforms its industry in 1 out of 6 key metrics, but lagging in P/E Ratio.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Triumph Financial, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
42.96%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
-59.10%
Industry Style: Value, Dividend, Cyclical
DecliningFCF CAGR
-28.85%
Industry Style: Value, Dividend, Cyclical
Declining