Triumph Financial, Inc. financial metrics

Professional SEC-based dashboard for profitability, financial health, and growth with transparent scoring logic. Latest period: Q4 2025.

Symbol
TFIN, TFIN-P on NYSE
Location
Dallas, TX
Fiscal year end
31 December
Latest financial report
11 Feb 2026

Latest SEC snapshot (2026-02-09) highlights Return On Equity 2.8%, Return On Assets 0.4%, and Debt-to-equity 5.95x.

How Calculated (standard_v1)

Metrics are computed with a market-consensus convention designed for cross-portal comparability.

  • TTM Operating Income / TTM Revenues
  • Current Assets / Current Liabilities (latest instant quarter)
  • (Current Assets - Inventory) / Current Liabilities; fallback: (Cash+Short-Term Investments + Accounts Receivable) / Current Liabilities
  • Total Debt / Stockholders Equity (latest instant quarter; shared unit; freshest series)
  • TTM Net Income / Average Equity (current quarter + same quarter previous year) / 2
  • TTM Net Income / Average Assets (current quarter + same quarter previous year) / 2
  • TTM NOPAT / Average Invested Capital, where NOPAT=Operating Income*(1-tax rate), Invested Capital=Equity+Total Debt-Cash & ST Investments
  • TTM Revenues YoY
  • TTM Net Income YoY

Financial Quality Score

Transparent 0-100 scoring model based on profitability, financial health, and growth factors.

22.2/100

Weak Confidence low

Return On Equity

2.8%

Metric score 0.0/100

Return On Assets

0.41%

Metric score 0.0/100

Financial Health

Debt to Equity
5.95x

Strengths

NetIncomeLoss YoY

Watchpoints

Return On Equity, Return On Assets, and Debt-to-equity

Key metrics snapshot

Return On Equity

2.8%

YoY: +51%

Industry median: 10% (n=206)

View history

Return On Assets

0.41%

YoY: +44%

Industry median: 0.99% (n=206)

View history

Debt-to-equity

5.95x

YoY: +6.7%

Industry median: 8.71x (n=203)

View history

NetIncomeLoss YoY

58%

YoY:

Industry median: 16% (n=199)

View history

Profitability

Metric Latest value YoY change
Return On Equity 2.8% +51%
Return On Assets 0.41% +44%

Financial Health

Metric Latest value YoY change
Debt-to-equity 5.95x +6.7%

Growth

Metric Latest value YoY change
NetIncomeLoss YoY 58%

Share Metrics

Metric Latest value YoY change
Entity Common Stock, Shares Outstanding 23,793,965 +1.6%
Common Stock, Shares, Outstanding 23,765,385 +1.6%
Common Stock, Value, Issued $295,000 +1.4%
Weighted Average Number of Shares Outstanding, Basic 23,618,924 +1.4%
Weighted Average Number of Shares Outstanding, Diluted 23,847,448 +0.29%

Additional Metrics

Metric Latest value YoY change
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest $32,991,000 +61%
Income Tax Expense (Benefit) $7,632,000 +74%
Earnings Per Share, Basic 0.94 +71%
Earnings Per Share, Diluted 0.93 +72%
Cash and Cash Equivalents, at Carrying Value $248,471,000 -25%
Deferred Income Tax Assets, Net $181,000 -99%
Property, Plant and Equipment, Net $91,071,000 -43%
Operating Lease, Right-of-Use Asset $22,652,000 -15%
Intangible Assets, Net (Excluding Goodwill) $47,888,000 +195%
Goodwill $355,296,000 +47%
Assets $6,380,588,000 +7.3%
Liabilities $5,438,817,000 +7.5%
Accumulated Other Comprehensive Income (Loss), Net of Tax $1,739,000 +44%
Retained Earnings (Accumulated Deficit) $571,368,000 +4%
Stockholders' Equity Attributable to Parent $941,771,000 +5.7%
Liabilities and Equity $6,380,588,000 +7.3%
Share-based Payment Arrangement, Noncash Expense $14,013,000 -3.5%
Common Stock, Shares Authorized 50,000,000 0%
Common Stock, Shares, Issued 29,535,826 +1.4%
Common Stock, Par or Stated Value Per Share 0.01 0%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents $248,471,000 -25%
Deferred Tax Assets, Valuation Allowance $313,000 +6.8%
Deferred Tax Assets, Gross $45,436,000 -3.1%
Operating Lease, Liability $25,055,000 -15%
Depreciation $14,873,000 -4.1%
Comprehensive Income (Loss), Net of Tax, Attributable to Parent $26,735,000 +68%
Lessee, Operating Lease, Liability, to be Paid $27,795,000 -15%
Property, Plant and Equipment, Gross $167,375,000 -29%
Operating Lease, Weighted Average Discount Rate, Percent 0.03 -3.2%
Lessee, Operating Lease, Liability, Undiscounted Excess Amount $2,740,000 -16%
Unrecognized Tax Benefits $0
Additional Paid in Capital $597,466,000 +5.2%
Amortization of Intangible Assets $11,582,000 -3.4%

How we score

This score is transparent and deterministic. We weight profitability, financial health, and growth metrics, then renormalize weights when SEC data is missing.

Metric Weight V1 threshold
ROIC205% to 20%
ROE158% to 25%
ROA102% to 10%
Operating Margin55% to 25%
Current Ratio121.0x to 2.0x
Quick Ratio80.8x to 1.5x
Debt to Equity100.3x to 2.0x (lower is better)
Revenue YoY10-10% to +20%
Net Income YoY10-10% to +20%