Triumph Financial, Inc.

TFIN

TFINTriumph Financial, Inc. US flag

New York Stock Exchange

68.30

USD

-3.86

- -

1.63BMarket Cap

Income Statement (USD)

API Chat

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Sales/Revenue/Turnover	26	43	93	109	133	175	249	287	335	424	484	417	416	424
+ Sales & Services Revenue	26	43	93	109	133	175	249	287	335	424	484	417	416	424
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	13	23	50	58	65	86	115	140	133	182	211	220	228	246
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-13	-23	-50	-58	-65	-86	-115	-140	-133	-182	-211	-220	-228	-246
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-6	-16	-30	-38	-34	-61	-66	-75	-85	-145	-137	-53	-20	-33
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-6	-16	-30	-38	-34	-61	-66	-75	-85	-145	-137	-53	-20	-33
Pretax Income	6	16	30	38	34	61	66	75	85	145	137	53	20	33
- Income Tax Expense (Benefit)	-5	2	10	8	13	25	15	17	21	32	35	12	4	8
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	11	13	20	29	21	36	52	59	64	113	102	41	16	25
- Net Extraordinary Losses (Gains)	2	2	4	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	2	2	4	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	9	12	16	29	21	36	52	59	64	113	102	41	16	25
- Minority Interest	-1	-1	-2	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	10	13	18	29	21	36	52	59	64	113	102	41	16	25
- Preferred Dividends	- -	1	1	1	1	1	1	- -	2	3	3	3	3	3
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	10	12	17	28	20	35	51	59	62	110	99	38	13	22
EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA	2	1	5	6	7	9	13	17	19	23	29	30	33	37
EBITDA Margin (%)	5.85	3.29	5.26	5.63	4.95	5.24	5.1	6.01	5.68	5.41	6.05	7.12	8.03	8.79
EBITA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	38.93	29.43	19.14	26.77	15.53	20.64	20.77	20.37	19.09	26.67	21.13	9.84	3.87	5.98
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	0.04	0.05	0.04	0.02	- -	0.07	0.13	0.13	0.14	0.14	0.14
Depreciation Expense	2	1	5	6	7	9	13	17	19	23	29	30	33	37
Basic Weighted Avg Shares	17	17	11	18	18	19	25	26	24	25	24	23	23	24
Basic EPS, GAAP	0.61	0.71	1.55	1.57	1.11	1.85	2.06	2.26	2.56	4.44	4.06	1.63	0.55	0.94
Basic EPS from Cont Ops	0.67	0.81	1.81	1.62	1.16	1.89	2.09	2.26	2.63	4.57	4.19	1.77	0.69	1.07
Diluted Weighted Avg Shares	17	17	12	18	18	20	25	26	25	25	25	23	24	24
Diluted EPS, GAAP	0.61	0.71	1.45	1.57	1.1	1.77	2.01	2.25	2.53	4.35	3.96	1.63	0.54	0.93
Diluted EPS from Cont Ops	0.67	0.81	1.7	1.62	1.15	1.81	2.03	2.25	2.6	4.47	4.09	1.77	0.68	1.06

Balance Sheet (USD)

API Chat

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Current Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	59	270	323	268	390	385	571	447	539	566	663	586	712	339
+ Cash & Cash Equivalents	16	86	161	105	115	134	235	198	314	383	408	287	330	248
+ ST Investments	44	185	162	163	275	251	336	249	224	182	255	300	382	90
+ Accounts & Notes Receiv	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Accounts Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-59	-270	-323	-268	-390	-385	-571	-447	-539	-566	-663	-586	-712	-339
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	3	23	22	22	45	63	83	97	103	106	103	113	161	91
+ Property, Plant & Equip	4	25	25	28	53	74	100	118	134	146	151	175	237	167
- Accumulated Depreciation	2	2	3	5	8	11	17	21	31	40	48	61	77	76
+ LT Investments & Receivables	44	185	163	163	304	264	350	263	236	193	264	307	388	370
+ LT Investments	44	185	163	163	304	264	350	263	236	193	264	307	388	370
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-47	-209	-185	-185	-350	-327	-433	-359	-339	-299	-367	-421	-549	-461
+ Total Intangible Assets	14	29	29	28	47	64	199	190	190	277	266	280	296	450
+ Goodwill	14	14	16	16	29	44	159	159	163	234	234	234	242	355
+ Other Intangible Assets	- -	14	13	12	18	20	41	32	27	43	32	46	54	94
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-61	-237	-214	-213	-396	-391	-633	-550	-529	-575	-633	-700	-845	-911
Total Assets	301	1,288	1,448	1,691	2,641	3,499	4,560	5,060	5,936	5,956	5,334	5,347	5,949	6,381
+ Payables & Accruals	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Accounts Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Borrowings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	10	58	27	155	311	452	418	557	424	355	179	405	142	393
+ LT Borrowings	10	58	27	155	311	452	418	557	424	355	179	405	142	393
+ LT Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Liabilities	-10	-58	-27	-155	-311	-452	-418	-557	-424	-355	-179	-405	-142	-393
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-10	-58	-27	-155	-311	-452	-418	-557	-424	-355	-179	-405	-142	-393
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	238	1,128	1,210	1,423	2,352	3,107	3,923	4,424	5,209	5,097	4,445	4,483	5,058	5,439
+ Preferred Equity and Hybrid Capital	5	10	10	10	10	10	- -	- -	45	45	45	45	45	45
+ Share Capital & APIC	44	105	191	194	197	265	470	474	489	511	535	551	568	598
+ Common Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Additional Paid in Capital	44	105	191	194	197	265	469	473	489	511	535	551	568	597
- Treasury Stock	- -	- -	- -	1	1	2	2	67	103	105	183	265	268	271
+ Retained Earnings	7	19	36	64	84	119	170	229	290	399	498	536	549	571
+ Other Equity	- -	- -	1	- -	- -	-1	-1	1	6	8	-7	-3	-3	-2
Equity Before Minority Interest	57	134	238	268	289	392	637	637	727	859	889	864	891	942
+ Minority/Non Controlling Interest	7	27	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	63	161	238	268	289	392	637	637	727	859	889	864	891	942
Total Liabilities & Equity	301	1,288	1,448	1,691	2,641	3,499	4,560	5,060	5,936	5,956	5,334	5,347	5,949	6,381
Shares Outstanding	17	17	18	18	18	21	27	25	25	25	24	23	23	24
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt	-5	-28	-133	49	197	318	183	359	110	-28	-229	119	-188	144
Net Debt to Equity	-8.32	-17.47	-56.19	18.43	68.07	81.27	28.76	56.4	15.14	-3.32	-25.79	13.74	-21.11	15.33
Tangible Common Equity Ratio	15.46	9.71	14	13.85	8.98	9.26	10.03	9.16	8.56	9.46	11.41	10.65	9.73	7.54
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API Chat

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
+ Net Income	11	13	20	29	21	36	52	59	64	113	102	41	16	25
+ Depreciation & Amortization	2	1	5	6	7	9	13	17	19	23	29	30	33	37
+ Non-Cash Items	-4	-14	2	-11	6	-5	12	8	-9	-5	-12	26	25	7
+ Stock-Based Compensation	- -	- -	3	3	2	2	3	4	5	20	21	13	15	14
+ Deferred Income Taxes	-6	2	4	- -	2	10	1	4	-2	-6	-2	7	-5	6
+ Asset Impairment Charge	- -	-9	- -	-15	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	1	-7	-5	1	1	-16	8	- -	-12	-19	-31	6	15	-13
+ Chg in Non-Cash Work Cap	-4	10	-7	1	-2	6	-2	-11	23	6	-39	-37	-16	-3
+ (Inc) Dec in Accts Receiv	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Other	-4	10	-7	1	-2	6	-2	-11	23	6	-39	-37	-16	-3
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	4	11	20	25	31	47	74	72	97	137	81	60	59	67
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	87
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	87
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	-3	-1	-3	-2	-4	-8	-19	-21	-18	-14	-11	-27	-66	-17
+ Acq of Fixed Prod Assets	-3	-1	-3	-2	-4	-8	-19	-21	-18	-14	-11	-24	-63	-16
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-3	-3	- -
+ Cash (Repurchase) of Equity	1	42	84	- -	-1	65	192	-65	-36	-1	-77	-82	-3	-2
+ Increase in Capital Stock	1	42	84	- -	- -	66	192	- -	- -	- -	- -	- -	- -	- -
+ Decrease in Capital Stock	- -	- -	- -	- -	-1	- -	- -	-65	-36	-1	-77	-82	-3	-2
+ Net Change in LT Investment	8	16	23	-20	18	157	183	91	34	41	-74	-26	-80	20
+ Dec in LT Investment	8	18	58	31	92	180	203	171	168	100	67	46	125	125
+ Inc in LT Investment	- -	-2	-35	-51	-74	-23	-20	-80	-134	-59	-141	-72	-205	-105
+ Net Cash From Acq & Div	-15	149	8	-128	-14	101	-68	- -	-15	-97	86	- -	-10	-137
+ Cash from Divestitures	- -	75	57	- -	- -	56	74	- -	94	- -	86	- -	- -	- -
+ Cash for Acq of Subs	-15	75	-49	-128	-14	45	-142	- -	-108	-97	- -	- -	-10	-137
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-32	-169	-151	-239	-273	-630	-364	-590	-776	148	665	-77	-434	-478
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-42	-6	-122	-389	-274	-380	-268	-520	-775	78	666	-130	-590	-525
+ Dividends Paid	- -	- -	- -	-1	-1	-1	-1	- -	-2	-3	-3	-3	-3	-3
+ Net Cash From Debt	-32	6	-31	225	149	135	-36	138	-133	-71	-177	225	-264	250
+ Cash From Debt	10	18	- -	227	149	135	- -	138	231	370	- -	225	- -	250
+ Repayments of Debt	-43	-12	-31	-2	- -	- -	-36	- -	-365	-441	-177	- -	-264	- -
+ Other Financing Activities	28	16	124	84	105	153	140	337	965	-70	-465	-192	846	132
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	-4	65	178	308	252	352	295	411	794	-146	-722	-52	575	377
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	-42	70	75	-56	9	20	101	-37	117	69	25	-122	43	-82
EBITDA	2	1	5	6	7	9	13	17	19	23	29	30	33	37
EBITDA Margin (%)	5.85	3.29	5.26	5.63	4.95	5.24	5.1	6.01	5.68	5.41	6.05	7.12	8.03	8.79
Free Cash Flow	2	9	17	23	27	39	55	51	80	123	70	33	-7	50
Net Cash Paid for Acquisitions	15	-149	-8	128	14	-101	68	- -	15	97	-86	- -	10	137
Free Cash Flow to Firm	- -	9	17	23	27	39	55	51	80	123	70	33	-7	50
Free Cash Flow to Equity	- -	20	-14	247	174	173	9	189	-10	48	-111	258	-272	384
Free Cash Flow per Basic Share	0.09	0.57	1.55	1.27	1.49	2.06	2.22	1.97	3.27	4.96	2.86	1.43	-0.31	2.14
Price/Free Cash Flow	- -	- -	7.05	10.72	13.37	11.41	8.17	10.56	10.4	19.87	13.34	21.41	17.39	17.86
Cash Flow to Net Income	0.43	0.87	1.11	0.87	1.5	1.31	1.43	1.24	1.52	1.21	0.79	1.46	3.64	2.64
Capital Expenditures	-3	-1	-3	-2	-4	-8	-19	-21	-18	-14	-11	-27	-66	-17