Triumph Financial, Inc. (TFIN)
ValueMarkers Composite Index
63% above intrinsic value ($38)
Triumph Financial, Inc. (TFIN) — VMCI valuation read
Composite valuation read on TFIN: VMCI 48/100 against a Financial Services sector median of 50. The 2-point below-median print is the headline number for Triumph Financial, Inc., and at the mid-cap tier it reflects how the five pillars combine into a single decision-grade score.
Trailing 30-day insider activity for TFIN: nothing material on SEC EDGAR. With the Form 4 channel quiet, the price-vs-DCF gap and the trailing margin trend carry more weight in the active read.
**Investor frame.** Value, quality, risk in three lines on TFIN: TFIN trades at 19.0x earnings, 6% above the Financial Services median of 18.0x; ROIC of 13.0% sits 3.0pp above the Financial Services median (10.0%); net debt to EBITDA of 2.7x is the rate-sensitivity line to watch. EV/EBITDA at 14.0x versus 12.0x for Financial Services closes the value frame.
TFIN rose 0.7% over the trailing 7 days, with a -12.1% read on a 30-day basis.
Triumph Financial Inc., a financial and technology company, focuses on payments, factoring, and banking. It operates through a portfolio of brands, including TriumphPay, Triumph, and TBK Bank. The company offers cash flow management services for the trucking industry comprising invoice factoring, fuel discount programs, truck and cargo insurance, and equipment finance, banking, and treasury services. It also provides factoring products and services; insurance products and services; and equipment finance and asset based lending products and services. The company was formerly known as Triumph Bancorp, Inc. and changed its name to Triumph Financial Inc. in December 2022. Triumph Financial Inc. was founded in 1981 and is headquartered in Dallas, Texas.
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