Triumph Financial, Inc. Financial Ratios — TFIN Stock

Profitability (USD)

	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
Return on Common Equity (%)	- -	90.3	61.62	56.59	26.71	34.81	35.22	29.27	24.01	31.84	22.06	7.32	2.37	3.95
Return on Assets (%)	- -	1.58	1.3	1.86	0.96	1.18	1.28	1.22	1.16	1.9	1.81	0.77	0.28	0.41
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100
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
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	21.93	36.46	32.57	34.51	25.14	34.82	26.71	26.24	25.26	34.22	28.3	12.65	4.93	7.78
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
Net Income to Common Margin (%)	38.93	27.74	18.3	26.05	14.86	20.2	20.54	20.37	18.58	25.91	20.47	9.07	3.1	5.23
Effective Tax Rate (%)	- -	13.71	34.4	22.42	38.23	40.72	22.24	22.4	24.42	22.06	25.32	22.22	21.39	23.13
Dvd Payout Ratio (%)	- -	-5.31	-3.7	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	95.09	63.9	56.59	26.71	34.81	35.22	29.27	24.01	31.84	22.06	7.32	2.37	3.95

Credit (USD)

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	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 Debt	10	58	27	155	311	452	418	557	424	355	179	405	142	393
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	10	58	27	155	311	452	418	557	424	355	179	405	142	393
Total Debt/EBITDA	6.93	41.07	5.63	25.27	47.2	49.17	32.91	32.25	22.28	15.48	6.11	13.65	4.26	10.54
Net Debt/EBITDA	-3.49	-19.95	-27.41	8.07	29.85	34.59	14.42	20.79	5.78	-1.24	-7.83	4	-5.64	3.88
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	2.37	1.48	2.48	3.8	3.18	3.42	3.74	4.53	4.88	6.71	9.35	10.04	9.24	8.96
Long-Term Debt/Equity (%)	16.54	35.96	11.55	57.71	107.65	115.51	65.66	87.48	58.4	41.3	20.13	46.9	15.94	41.72
Long-Term Debt/Capital (%)	35.48	50.84	37.52	67.63	76.85	77.78	71	70.83	55.9	44.37	24.76	41.07	19.28	38.92
Long-Term Debt/Total Assets (%)	3.48	4.48	1.89	9.15	11.79	12.93	9.17	11.01	7.15	5.96	3.36	7.58	2.39	6.16
Total Debt/Equity (%)	16.54	35.96	11.55	57.71	107.65	115.51	65.66	87.48	58.4	41.3	20.13	46.9	15.94	41.72
Total Debt/Capital (%)	35.48	50.84	37.52	67.63	76.85	77.78	71	70.83	55.9	44.37	24.76	41.07	19.28	38.92
Total Debt/Total Assets (%)	3.48	4.48	1.89	9.15	11.79	12.93	9.17	11.01	7.15	5.96	3.36	7.58	2.39	6.16
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
Net Debt/Capital (%)	-38.26	-100.98	152.02	40.03	67.73	71.13	51.74	61.02	24.73	-6.84	-72.88	16.96	-46.28	18.97
EBITDA	2	1	5	6	7	9	13	17	19	23	29	30	33	37
EBITDA-CapEx	-1	- -	2	4	2	1	-6	-4	1	9	18	3	-32	21
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	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
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	2.37	1.48	2.48	3.8	3.18	3.42	3.74	4.53	4.88	6.71	9.35	10.04	9.24	8.96
Long-Term Debt/Equity (%)	16.54	35.96	11.55	57.71	107.65	115.51	65.66	87.48	58.4	41.3	20.13	46.9	15.94	41.72
Long-Term Debt/Capital (%)	35.48	50.84	37.52	67.63	76.85	77.78	71	70.83	55.9	44.37	24.76	41.07	19.28	38.92
Long-Term Debt/Total Assets (%)	3.48	4.48	1.89	9.15	11.79	12.93	9.17	11.01	7.15	5.96	3.36	7.58	2.39	6.16
Total Debt/Equity (%)	16.54	35.96	11.55	57.71	107.65	115.51	65.66	87.48	58.4	41.3	20.13	46.9	15.94	41.72
Total Debt/Capital (%)	35.48	50.84	37.52	67.63	76.85	77.78	71	70.83	55.9	44.37	24.76	41.07	19.28	38.92
Total Debt/Total Assets (%)	3.48	4.48	1.89	9.15	11.79	12.93	9.17	11.01	7.15	5.96	3.36	7.58	2.39	6.16
CFO/Total Liabilities	1.81	0.96	1.63	1.78	1.32	1.52	1.88	1.64	1.87	2.69	1.82	1.34	1.16	1.23
CFO/CapEx	1.56	7.74	7.17	10.38	7.16	5.94	3.93	3.4	5.54	9.54	7.4	2.23	0.89	4.05
Altman's Z-Score	0.12	0.05	0.17	0.24	0.22	0.22	0.22	0.26	0.27	0.52	0.39	0.48	0.46	0.37

Working Capital (USD)

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	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
Accounts Receivable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	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
Market Capitalization	- -	- -	148	297	467	603	736	986	1,184	2,946	1,192	1,861	2,116	1,479
- Cash & Cash Equivalents	16	86	161	105	115	134	235	198	314	383	408	287	330	248
+ Preferred Equity and Hybrid Capital	5	10	10	10	10	10	- -	- -	45	45	45	45	45	45
+ Minority/Non Controlling Interest	7	27	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	10	58	27	155	311	452	418	557	424	355	179	405	142	393
Enterprise Value	-37	-176	-138	193	399	680	583	1,096	1,115	2,780	753	1,725	1,592	1,578
Total Capital	30	114	73	229	405	582	589	786	759	799	723	987	737	1,010
Total Debt/Capital (%)	35.48	50.84	37.52	67.63	76.85	77.78	71	70.83	55.9	44.37	24.76	41.07	19.28	38.92
Total Debt / EV	-0.28	-0.33	-0.2	0.8	0.78	0.67	0.72	0.51	0.38	0.13	0.24	0.24	0.09	0.25
EV/Sales	- -	- -	- -	1.78	2.99	3.88	2.34	3.81	3.32	6.56	1.56	4.13	3.83	3.72
EV/EBITDA	- -	- -	- -	31.57	60.41	73.91	45.9	63.51	58.52	121.32	25.72	58.06	47.73	42.36
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	7.64	12.87	14.39	7.9	15.13	11.45	20.3	9.33	28.74	27.19	23.53
EV/Free Cash Flow to Firm	- -	- -	- -	6.97	11.29	12.31	6.3	11.69	9.7	18.37	8.22	19.84	12.81	18.87
Diluted Market Cap	- -	- -	158	297	472	630	757	991	1,195	3,007	1,223	1,861	2,161	1,494
Diluted Enterprise Value	7	9	34	356	679	958	940	1,350	1,350	3,024	1,039	2,025	2,018	1,683
EV per Share	- -	- -	- -	10.73	22.32	35.54	23.51	42.27	45.71	112.37	30.88	74.33	68.35	66.82
TTM Sales	26	43	93	109	133	175	249	287	335	424	484	417	416	424
TTM EBITDA	2	1	5	6	7	9	13	17	19	23	29	30	33	37
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	4	11	20	25	31	47	74	72	97	137	81	60	59	67
TTM Free Cash Flow to Firm	7	12	22	28	35	55	93	94	115	151	92	87	124	84

Multiples (USD)

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	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
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
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-37	-176	-138	193	399	680	583	1,096	1,115	2,780	753	1,725	1,592	1,578
Low Price	- -	- -	12	11.93	12.63	20.5	27.47	27.21	19.03	48.31	45.08	46.37	66.85	42.9
EV/Sales	- -	- -	- -	1.78	2.99	3.88	2.34	3.81	3.32	6.56	1.56	4.13	3.83	3.72
EV/EBITDA	- -	- -	- -	31.57	60.41	73.91	45.9	63.51	58.52	121.32	25.72	58.06	47.73	42.36
Price/Earnings	- -	- -	8.75	10.49	23.57	17	14.4	16.85	19	26.84	12.03	49.13	164.26	66.77
Price/Earnings Average	- -	- -	8.8	9.16	15.72	14.76	18.96	13.93	12.87	20.03	17.76	37.7	147.73	64.74
Price/Earnings High	- -	- -	10.32	11.77	24.78	19.14	21.67	17.28	20.33	30.65	31.04	50.03	199.86	98.56
Price/Earnings Low	- -	- -	7.75	7.58	11.38	11.07	13.32	12.06	7.45	10.89	11.1	28.41	120.83	45.74
Price/Book Value	- -	- -	4.13	4.63	5.55	5.04	4.31	4.3	4.08	7.37	2.39	3.47	3.85	2.59
Price/Book Value Average	- -	- -	4.15	4.04	3.7	4.37	5.68	3.56	2.77	5.5	3.53	2.66	3.46	2.51
Price/Book Value High	- -	- -	4.87	5.19	5.84	5.67	6.49	4.41	4.37	8.42	6.17	3.53	4.69	3.82
Price/Book Value Low	- -	- -	3.65	3.34	2.68	3.28	3.99	3.08	1.6	2.99	2.2	2.01	2.83	1.77
Price/Tangible Book Value	- -	- -	0.75	1.29	2	1.89	1.68	2.21	2.41	5.49	2.06	3.45	3.85	3.31
Price/Tangible Book Value Average	- -	- -	0.75	1.13	1.34	1.64	2.22	1.83	1.63	4.09	3.04	2.65	3.46	3.21
Price/Tangible Book Value High	- -	- -	0.88	1.45	2.11	2.13	2.53	2.27	2.58	6.27	5.32	3.51	4.68	4.88
Price/Tangible Book Value Low	- -	- -	0.66	0.93	0.97	1.23	1.56	1.58	0.94	2.23	1.9	1.99	2.83	2.27
Price/Sales	- -	- -	1.6	2.73	3.5	3.43	2.96	3.43	3.53	6.95	2.46	4.46	5.09	3.49
Price/Sales Average	- -	- -	1.61	2.39	2.34	2.98	3.89	2.84	2.39	5.19	3.63	3.42	4.58	3.38
Price/Sales High	- -	- -	1.89	3.07	3.68	3.87	4.45	3.52	3.78	7.94	6.35	4.54	6.2	5.15
Price/Sales Low	- -	- -	1.42	1.98	1.69	2.24	2.74	2.46	1.38	2.82	2.27	2.58	3.75	2.39
Price/Cash Flow	- -	- -	7.53	11.75	15.07	12.75	9.97	13.61	12.17	21.51	14.76	31.01	36.15	22.06
Price/Cash Flow Average	- -	- -	7.58	10.26	10.05	11.06	13.13	11.25	8.24	16.06	21.79	23.79	32.51	21.39
Price/Cash Flow High	- -	- -	8.89	13.19	15.85	14.35	15.01	13.96	13.02	24.57	38.1	31.57	43.99	32.56
Price/Cash Flow Low	- -	- -	6.67	8.5	7.28	8.3	9.22	9.74	4.77	8.73	13.62	17.93	26.59	15.11
Price/Free Cash Flow Average	- -	- -	7.1	9.36	8.92	9.9	10.76	8.73	7.05	14.83	19.69	16.43	15.64	17.31
Price/Free Cash Flow High	- -	- -	8.32	12.03	14.06	12.84	12.3	10.84	11.13	22.7	34.43	21.8	21.16	26.36
Price/Free Cash Flow Low	- -	- -	6.25	7.75	6.46	7.42	7.56	7.56	4.08	8.06	12.31	12.38	12.79	12.23
EV/Sales Average	0.26	0.2	0.27	2.93	3.89	4.85	4.63	4.09	2.85	5.23	3.25	3.81	4.24	3.83
EV/Sales High	0.26	0.2	0.55	3.61	5.23	5.73	5.19	4.77	4.24	7.98	5.97	4.93	5.85	5.6
EV/Sales Low	0.26	0.2	0.08	2.52	3.24	4.1	3.47	3.7	1.85	2.86	1.89	2.97	3.4	2.84
EV/EBITDA Average	4.41	6.18	5.22	52.07	78.51	92.48	90.76	68.02	50.26	96.69	53.8	53.58	52.79	43.57
EV/EBITDA High	4.41	6.18	10.52	64.16	105.74	109.35	101.67	79.39	74.65	147.56	98.76	69.29	72.93	63.68
EV/EBITDA Low	4.41	6.18	1.55	44.78	65.5	78.27	68.04	61.67	32.5	52.88	31.26	41.74	42.39	32.28
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	13.55	16.5	26.15	31.5	29.7	38.02	48.55	119.08	48.87	80.18	90.88	62.63
High Price	- -	- -	15.99	18.52	27.5	35.45	44.7	39	51.95	136.01	126.12	81.64	110.58	92.44
Enterprise Value Average	7	9	25	319	518	851	1,153	1,174	957	2,215	1,576	1,592	1,760	1,624
Enterprise Value High	7	9	51	393	698	1,006	1,291	1,371	1,422	3,381	2,892	2,058	2,432	2,373
Enterprise Value Low	7	9	8	274	432	720	864	1,065	619	1,212	915	1,240	1,414	1,203

	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
Shares Outstanding	17	17	18	18	18	21	27	25	25	25	24	23	23	24
Diluted Weighted Avg Shares	17	17	12	18	18	20	25	26	25	25	25	23	24	24
Basic Weighted Avg Shares	17	17	11	18	18	19	25	26	24	25	24	23	23	24
Revenue per Share	1.56	2.57	8.47	6.04	7.47	9.17	10.04	11.08	13.75	17.12	19.85	17.99	17.84	17.94
EBITDA per Share	0.09	0.08	0.45	0.34	0.37	0.48	0.51	0.67	0.78	0.93	1.2	1.28	1.43	1.58
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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 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
Dividend per Share	- -	- -	- -	0.04	0.05	0.04	0.02	- -	0.07	0.13	0.13	0.14	0.14	0.14
Cash Flow per Share	0.26	0.66	1.8	1.4	1.74	2.47	2.98	2.79	3.99	5.54	3.31	2.59	2.51	2.84
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
Cash & Equivalents per Share	3.58	16.31	29.52	14.9	21.81	20.11	23.05	17.22	22.09	22.86	27.17	25.26	30.56	14.35
Book Value per Share	0.43	1.15	3.28	3.57	4.71	6.25	6.89	8.84	11.89	16.16	20.45	23.12	23.6	24.2
Tangible Book Value per Share	2.68	7.38	18.16	12.79	13.05	16.63	17.63	17.2	20.17	21.71	23.7	23.25	23.61	18.93

Triumph Financial, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)