Triumph Financial, Inc. Financial Ratios — TFINP 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
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
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
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	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	8.02
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
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
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
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
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

Credit (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
Total Debt	10	58	27	155	311	452	418	557	424	355	179	405	142
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	10	58	27	155	311	452	418	557	424	355	179	405	142
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
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
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
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
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
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
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
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
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
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
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
EBITDA	2	1	5	6	7	9	13	17	19	23	29	30	33
EBITDA-CapEx	-1	- -	2	4	2	1	-6	-4	1	9	18	3	-32
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (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
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
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
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
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
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
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
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
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
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
Altman's Z-Score	0.12	0.05	0.1	0.12	0.1	0.1	0.11	0.12	0.13	0.17	0.23	0.23	0.21

Working Capital (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
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)

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
Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Cash & Cash Equivalents	16	86	161	105	115	134	235	198	314	383	408	287	330
+ Preferred Equity and Hybrid Capital	5	10	10	10	10	10	- -	- -	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
Enterprise Value	-37	-176	-286	-104	-68	77	-153	110	-69	-166	-439	-136	-230
Total Capital	30	114	73	229	405	582	589	786	759	799	723	987	737
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
Total Debt / EV	-0.28	-0.33	-0.1	-1.49	-4.56	5.85	-2.73	5.05	-6.13	-2.14	-0.41	-2.98	-0.62
EV/Sales	- -	- -	- -	- -	- -	0.44	- -	0.38	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	8.41	- -	6.38	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	1.64	- -	1.52	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	1.4	- -	1.17	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	7	9	-124	59	207	328	183	359	155	17	-184	164	-143
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	26	43	93	109	133	175	249	287	335	424	484	418	416
TTM EBITDA	2	1	5	6	7	9	13	17	19	23	29	30	33
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	4	11	20	25	31	47	74	72	97	137	81	60	59
TTM Free Cash Flow to Firm	7	12	22	28	35	55	93	94	115	151	92	87	124

Multiples (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
Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-37	-176	-286	-104	-68	77	-153	110	-69	-166	-439	-136	-230
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	23.6	26.28	22.3	15.75	20.78
EV/Sales	- -	- -	- -	- -	- -	0.44	- -	0.38	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	8.41	- -	6.38	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales Average	0.26	0.2	- -	0.54	1.55	1.87	0.74	1.25	0.46	0.04	- -	0.39	- -
EV/Sales High	0.26	0.2	- -	0.54	1.55	1.87	0.74	1.25	0.46	0.04	- -	0.39	- -
EV/Sales Low	0.26	0.2	- -	0.54	1.55	1.87	0.74	1.25	0.46	0.04	- -	0.39	- -
EV/EBITDA Average	4.41	6.18	-25.41	9.66	31.32	35.64	14.42	20.79	8.14	0.72	-6.29	5.51	-4.29
EV/EBITDA High	4.41	6.18	-25.41	9.66	31.32	35.64	14.42	20.79	8.14	0.72	-6.29	5.51	-4.29
EV/EBITDA Low	4.41	6.18	-25.41	9.66	31.32	35.64	14.42	20.79	8.14	0.72	-6.29	5.51	-4.29
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	20.34	21.55	19.22	19.55	23.15
High Price	- -	- -	- -	- -	- -	- -	- -	- -	27.6	28.59	27.69	25.85	24.4
Enterprise Value Average	7	9	-124	59	207	328	183	359	155	17	-184	164	-143
Enterprise Value High	7	9	-124	59	207	328	183	359	155	17	-184	164	-143
Enterprise Value Low	7	9	-124	59	207	328	183	359	155	17	-184	164	-143

	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
Shares Outstanding	17	17	18	18	18	21	27	25	25	25	24	23	23
Diluted Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Revenue per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS from Cont Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted EPS, GAAP	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted EPS from Cont Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow per Basic Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash & Equivalents per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Book Value per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Tangible Book Value per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Triumph Financial, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)