TFIN - Triumph Financial, Inc.
Price:
--
--
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CONSENSUS:
Hold
DETAILS
|
PRICE TARGET:
$72.00
DETAILS
HIGH:
$72.00
LOW:
$72.00
MEDIAN:
$72.00
CONSENSUS:
$72.00
UPSIDE:
7.83%
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | ||||||||||||||
| Revenue | 516.1 | 487.6 | 471.8 | 502.9 | 442 | 372.7 | 342.7 | 284.9 | 197.0 | 145.4 | 116.9 | 99.4 | 46.6 | 29.6 |
| Cost of Revenue | 82.8 | 90.5 | 65.8 | 25.3 | 9.5 | 75.7 | 63.2 | 52.1 | 33.2 | 18.8 | 12.6 | 12.6 | 7.4 | 5.5 |
| Gross Profit | 433.1 | 397.1 | 406.0 | 477.6 | 432.5 | 297.0 | 279.5 | 232.8 | 163.9 | 126.6 | 104.3 | 86.8 | 39.3 | 24.2 |
| Operating Expenses | ||||||||||||||
| R&D Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| SG&A Expenses | 245.5 | 228.5 | 220.0 | 211.1 | 181.5 | 133.2 | 140.3 | 114.6 | 86.0 | 64.7 | 57.7 | 49.5 | 23.3 | 13.1 |
| Other Expenses | 154.6 | 148.2 | 133.3 | 129.6 | 106.0 | 79.1 | 63.8 | 51.7 | 16.8 | 28.5 | 9.1 | 7.1 | 0.4 | 5.3 |
| Operating Expenses | 400.1 | 376.6 | 353.2 | 340.6 | 287.5 | 212.3 | 204.1 | 166.3 | 102.8 | 93.1 | 66.7 | 56.6 | 23.7 | 18.5 |
| Operating Income | ||||||||||||||
| Operating Income | 33.0 | 20.5 | 52.8 | 137.0 | 145.0 | 84.7 | 75.4 | 66.5 | 61.1 | 33.5 | 37.6 | 30.2 | 15.6 | 5.7 |
| Interest Expense | 79.9 | 72.1 | 54.3 | 18.7 | 18.4 | 37.4 | 55.2 | 35.9 | 21.5 | 12.1 | 8.1 | 6.8 | 3.9 | 3.7 |
| Interest Income | 430.5 | 422.5 | 422.4 | 419.2 | 387.6 | 322.1 | 311.2 | 263.0 | 177.2 | 124.5 | 98.8 | 87.2 | 42.6 | 27.0 |
| Profitability | ||||||||||||||
| EBITDA | 47.9 | 53.8 | 82.5 | 166.3 | 167.9 | 103.8 | 92.7 | 79.2 | 70.3 | 40.1 | 43.7 | 35.0 | 17.0 | 7.2 |
| EBIT | 33.0 | 20.5 | 52.8 | 137.0 | 145.0 | 84.7 | 75.4 | 66.5 | 61.1 | 33.5 | 37.6 | 30.2 | 15.6 | 5.7 |
| Income Before Tax | 33.0 | 20.5 | 52.8 | 137.0 | 145.0 | 84.7 | 75.4 | 66.5 | 61.1 | 33.5 | 37.6 | 30.2 | 15.6 | 5.7 |
| Income Tax Expense | 7.6 | 4.4 | 11.7 | 34.7 | 32.0 | 20.7 | 16.9 | 14.8 | 24.9 | 12.8 | 8.4 | 10.4 | 2.1 | (5.4) |
| Net Income | 25.4 | 16.1 | 41.1 | 102.3 | 113.0 | 64.0 | 58.5 | 51.7 | 36.2 | 20.7 | 29.1 | 17.7 | 12.6 | 10.1 |
| Per Share Data | ||||||||||||||
| EPS (Basic) | 0.94 | 0.55 | 1.63 | 4.06 | 4.44 | 2.56 | 2.26 | 2.06 | 1.85 | 1.11 | 1.58 | 1.55 | 0.71 | 1.51 |
| EPS (Diluted) | 0.93 | 0.54 | 1.61 | 3.96 | 4.35 | 2.53 | 2.25 | 2.03 | 1.81 | 1.10 | 1.56 | 1.52 | 0.71 | 1.51 |
| Shares Outstanding | 23.6 | 23.3 | 23.2 | 24.4 | 24.7 | 24.4 | 25.9 | 24.8 | 19.1 | 17.9 | 18.0 | 10.9 | 16.6 | 6.7 |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Current Assets | ||||||||||
| Cash & Cash Equivalents | 248.5 | 330.1 | 286.6 | 408.2 | 383.2 | 314.4 | 197.9 | 234.9 | 134.1 | 114.5 |
| Short-Term Investments | 364.3 | 86.8 | 299.6 | 254.5 | 182.4 | 224.3 | 248.8 | 336.4 | 250.6 | 275.0 |
| Net Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Current Assets | 612.7 | 416.9 | 586.3 | 662.7 | 565.6 | 538.7 | 446.7 | 571.4 | 384.7 | 389.5 |
| Non-Current Assets | ||||||||||
| Property, Plant & Equipment | 91.1 | 160.7 | 113.5 | 103.3 | 105.7 | 103.4 | 96.6 | 83.4 | 62.9 | 45.5 |
| Goodwill | 355.3 | 241.9 | 233.7 | 233.7 | 233.7 | 163.2 | 158.7 | 158.7 | 44.1 | 28.8 |
| Intangible Assets | 47.9 | 54.2 | 46.0 | 32.1 | 43.1 | 26.7 | 31.5 | 40.7 | 19.7 | 17.7 |
| Long-Term Investments | 0 | 4,808.5 | 4,136.6 | 4,092.4 | 4,843.1 | 4,937.3 | 4,182.0 | 3,596.7 | 2,877.0 | 2,041.6 |
| Other Non-Current Assets | 0 | 253.1 | 222.5 | 193.1 | 154.9 | 160.0 | 140.9 | 100.5 | 101.7 | 99.1 |
| Total Non-Current Assets | 494.4 | 5,532.1 | 4,761.1 | 4,671.1 | 5,390.6 | 5,397.1 | 4,613.6 | 3,988.4 | 3,114.3 | 2,251.5 |
| Total Assets | 6,380.6 | 5,949.0 | 5,347.3 | 5,333.8 | 5,956.2 | 5,935.8 | 5,060.3 | 4,559.8 | 3,499.0 | 2,641.1 |
| Current Liabilities | ||||||||||
| Account Payables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Short-Term Debt | 0 | 0 | 0 | 0.3 | 2.1 | 3.1 | 2.0 | 4.5 | 11.5 | 10.5 |
| Deferred Revenue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 0 | 4,820.8 | 3,977.5 | 4,171.3 | 4,646.7 | 4,716.6 | 3,789.9 | 3,450.3 | 2,621.3 | 2,015.8 |
| Total Current Liabilities | 0 | 4,820.8 | 3,977.5 | 4,171.7 | 4,648.8 | 4,719.7 | 3,791.9 | 3,454.8 | 2,632.8 | 2,026.3 |
| Non-Current Liabilities | ||||||||||
| Long-Term Debt | 0 | 142.0 | 405.4 | 179.0 | 354.7 | 424.4 | 556.9 | 418.0 | 452.5 | 311.5 |
| Deferred Tax Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 5,438.8 | 95.2 | 100.0 | 94.2 | 93.9 | 64.9 | 74.9 | 50.3 | 22.0 | 14.0 |
| Total Non-Current Liabilities | 5,438.8 | 237.2 | 505.5 | 273.1 | 448.6 | 489.3 | 631.8 | 468.3 | 474.5 | 325.4 |
| Total Liabilities | 5,438.8 | 5,058.1 | 4,482.9 | 4,444.8 | 5,097.4 | 5,209.0 | 4,423.7 | 3,923.2 | 3,107.3 | 2,351.7 |
| Stockholders' Equity | ||||||||||
| Common Stock | 0.3 | 0.3 | 0.3 | 0.3 | 0.3 | 0.3 | 0.3 | 0.3 | 0.2 | 0.2 |
| Retained Earnings | 571.4 | 549.2 | 536.3 | 498.5 | 399.4 | 289.6 | 229.0 | 170.5 | 119.4 | 83.9 |
| Accumulated Other Comprehensive Income | (1.7) | (3.1) | (2.9) | (6.9) | 8.0 | 5.8 | 1.1 | (1.2) | (0.6) | (0.3) |
| Total Stockholders' Equity | 941.8 | 890.9 | 864.4 | 889.0 | 858.9 | 726.8 | 636.6 | 636.6 | 391.7 | 289.3 |
| Total Liabilities & Equity | 6,380.6 | 5,949.0 | 5,347.3 | 5,333.8 | 5,956.2 | 5,935.8 | 5,060.3 | 4,559.8 | 3,499.0 | 2,641.1 |
| Debt Metrics | ||||||||||
| Total Debt | 0 | 142.0 | 405.4 | 179.3 | 356.8 | 427.5 | 558.9 | 422.5 | 463.9 | 322.0 |
| Net Debt | (248.5) | (188.1) | 118.8 | (228.9) | (26.4) | 113.1 | 361.0 | 187.6 | 329.8 | 207.4 |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||||
| Net Income | 25.4 | 16.1 | 41.1 | 102.3 | 113.0 | 64.0 | 58.5 | 51.7 | 36.2 | 20.7 |
| Depreciation & Amortization | 37.3 | 33.3 | 29.7 | 29.3 | 22.9 | 19.1 | 17.3 | 12.7 | 9.2 | 6.6 |
| Stock-Based Compensation | 14.0 | 14.5 | 13.2 | 21.2 | 20.3 | 4.6 | 3.7 | 2.7 | 1.8 | 2.4 |
| Change in Working Capital | (2.8) | (15.6) | (36.6) | (39.0) | 5.6 | 23.3 | (11.0) | (2.2) | 6.4 | (1.9) |
| Other Non-Cash Items | (13.1) | 15.0 | 6.1 | (31.2) | (19.0) | (11.6) | 0.1 | 8.2 | (16.5) | 1.3 |
| Operating Cash Flow | 67.1 | 58.6 | 60.1 | 80.8 | 137.0 | 97.3 | 72.5 | 73.8 | 47.3 | 31.0 |
| Investing Activities | ||||||||||
| Capital Expenditure | (16.4) | (87.2) | (43.8) | (17.2) | (14.4) | (17.6) | (21.3) | (18.8) | (8.0) | (4.3) |
| Acquisitions | (137.4) | (10) | 0 | 85.9 | (96.9) | (14.5) | 0 | (68.0) | 55.6 | (14.5) |
| Purchases of Investments | (105) | (204.8) | (72.0) | (140.8) | (58.8) | (134.0) | (80.5) | (19.9) | (23.1) | (74.1) |
| Sales/Maturities of Investments | 124.7 | 124.9 | 46.1 | 67.2 | 100.2 | 167.7 | 171.0 | 202.8 | 180.1 | 91.8 |
| Other Investing Activities | (391.3) | (437.4) | (79.7) | 664.7 | 147.6 | (776.3) | (589.6) | (364.4) | (584.4) | (272.5) |
| Investing Cash Flow | (525.5) | (590.0) | (129.6) | 666.1 | 77.7 | (774.7) | (520.4) | (268.3) | (379.8) | (273.6) |
| Financing Activities | ||||||||||
| Net Debt Issuance | 250 | (264.5) | 225 | (177.1) | (71.5) | (133.1) | 138.3 | (35.7) | 135 | 148.7 |
| Stock Repurchased | (2.2) | (3.3) | (81.6) | (76.7) | (1.2) | (35.8) | (64.5) | (0.4) | (0.4) | (11.2) |
| Dividends Paid | (3.2) | (3.2) | (3.2) | (3.2) | (3.2) | (1.7) | 0 | (0.6) | (0.8) | (0.9) |
| Other Financing Activities | 129.4 | 845.9 | (192.2) | (464.8) | (69.9) | 922.2 | 337.1 | 139.9 | 152.7 | 115.2 |
| Financing Cash Flow | 376.8 | 574.9 | (52.1) | (721.9) | (145.8) | 793.9 | 410.9 | 295.3 | 352.1 | 251.8 |
| Cash Position | ||||||||||
| Net Change in Cash | (81.6) | 43.5 | (121.5) | 25.0 | 68.8 | 116.5 | (37.1) | 100.8 | 19.6 | 9.2 |
| Cash at Beginning | 330.1 | 286.6 | 408.2 | 383.2 | 314.4 | 197.9 | 234.9 | 134.1 | 114.5 | 105.3 |
| Cash at End | 248.5 | 330.1 | 286.6 | 408.2 | 383.2 | 314.4 | 197.9 | 234.9 | 134.1 | 114.5 |
| Free Cash Flow | 50.6 | (28.6) | 16.2 | 63.6 | 122.6 | 79.8 | 51.1 | 55.1 | 39.3 | 26.7 |
| Key Metrics | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||
| Revenue | 516.1 | 487.6 | 471.8 | 502.9 | 442 | 372.7 | 342.7 | 284.9 | 197.0 | 145.4 | 116.9 | 99.4 | 46.6 | 29.6 |
| Gross Profit | 433.1 | 397.1 | 406.0 | 477.6 | 432.5 | 297.0 | 279.5 | 232.8 | 163.9 | 126.6 | 104.3 | 86.8 | 39.3 | 24.2 |
| Operating Income | 33.0 | 20.5 | 52.8 | 137.0 | 145.0 | 84.7 | 75.4 | 66.5 | 61.1 | 33.5 | 37.6 | 30.2 | 15.6 | 5.7 |
| Net Income | 25.4 | 16.1 | 41.1 | 102.3 | 113.0 | 64.0 | 58.5 | 51.7 | 36.2 | 20.7 | 29.1 | 17.7 | 12.6 | 10.1 |
| EPS (Diluted) | 0.93 | 0.54 | 1.61 | 3.96 | 4.35 | 2.53 | 2.25 | 2.03 | 1.81 | 1.10 | 1.56 | 1.52 | 0.71 | 1.51 |
| Balance Sheet | ||||||||||||||
| Cash & Equivalents | 248.5 | 330.1 | 286.6 | 408.2 | 383.2 | 314.4 | 197.9 | 234.9 | 134.1 | 114.5 | ||||
| Total Assets | 6,380.6 | 5,949.0 | 5,347.3 | 5,333.8 | 5,956.2 | 5,935.8 | 5,060.3 | 4,559.8 | 3,499.0 | 2,641.1 | ||||
| Total Debt | 0 | 142.0 | 405.4 | 179.3 | 356.8 | 427.5 | 558.9 | 422.5 | 463.9 | 322.0 | ||||
| Stockholders' Equity | 941.8 | 890.9 | 864.4 | 889.0 | 858.9 | 726.8 | 636.6 | 636.6 | 391.7 | 289.3 | ||||
| Cash Flow | ||||||||||||||
| Operating Cash Flow | 67.1 | 58.6 | 60.1 | 80.8 | 137.0 | 97.3 | 72.5 | 73.8 | 47.3 | 31.0 | ||||
| Capital Expenditure | (16.4) | (87.2) | (43.8) | (17.2) | (14.4) | (17.6) | (21.3) | (18.8) | (8.0) | (4.3) | ||||
| Free Cash Flow | 50.6 | (28.6) | 16.2 | 63.6 | 122.6 | 79.8 | 51.1 | 55.1 | 39.3 | 26.7 | ||||