TRINZ
Trinity Capital Inc. 7.875% Notes due 2029
Asset Management
Market Cap$1.13B
5Y Perf.+1.9%
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Stock Comparison
TRINZ vs TRIN
Revenue, margins, valuation, and 5-year total return — side by side.
TRIN
Trinity Capital Inc.
Asset Management
Market Cap$1.20B
5Y Perf.+17.7%
TRINZ vs TRIN — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | TRINZ | TRIN |
|---|---|---|
| Industry | Asset Management | Asset Management |
| Market Cap | $1.13B | $1.20B |
| Revenue (TTM) | $232M | $232M |
| Net Income (TTM) | $154M | $154M |
| Gross Margin | 100.0% | 100.0% |
| Operating Margin | 93.1% | 93.1% |
| Forward P/E | 12.2x | 8.3x |
| Total Debt | $1.31B | $1.31B |
| Cash & Equiv. | $19M | $19M |
TRINZ vs TRIN — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
TRINZ
TRIN
| Stock | Mar 24 | May 26 | Return |
|---|---|---|---|
| Trinity Capital Inc… (TRINZ) | 100 | 101.9 | +1.9% |
| Trinity Capital Inc. (TRIN) | 100 | 117.7 | +17.7% |
Price return only. Dividends and distributions are not included.
Quick Verdict: TRINZ vs TRIN
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: TRINZ leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and profitability and margin quality. Trinity Capital Inc. is the stronger pick specifically for valuation and capital efficiency and dividend income and shareholder returns. As sector peers, any of these can serve as alternatives in the same allocation.
TRINZ
Trinity Capital Inc. 7.875% Notes due 2029
The Banking Pick
TRINZ carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 0 yrs, beta 0.57
- Rev growth 2.4%, EPS growth -6.7%
- Lower volatility, beta 0.57
Best for: income & stability and growth exposure
TRIN
Trinity Capital Inc.
The Banking Pick
TRIN is the clearest fit if your priority is long-term compounding.
- 86.3% 10Y total return vs TRINZ's 17.5%
- Lower P/E (8.3x vs 12.2x)
- 11.4% yield; 1-year raise streak; the other pay no meaningful dividend
Best for: long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | TRINZ | 2.4% NII/revenue growth vs TRIN's -2.2% |
| Value | TRIN | Lower P/E (8.3x vs 12.2x) |
| Quality / Margins | TRINZ | Efficiency ratio 0.1% vs TRIN's 0.1% (lower = leaner) |
| Stability / Safety | TRINZ | Beta 0.57 vs TRIN's 0.69 |
| Dividends | TRIN | 11.4% yield; 1-year raise streak; the other pay no meaningful dividend |
| Momentum (1Y) | TRIN | +38.2% vs TRINZ's +8.6% |
| Efficiency (ROA) | TRINZ | Efficiency ratio 0.1% vs TRIN's 0.1% |
TRINZ vs TRIN — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLTRINLAGGINGTRINZ
TRINZTrinity Capital Inc. …
0leads
TRINTrinity Capital Inc.
4leads
6 Total Categories
CATEGORYLEADERvs TRINZMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
—
—
Valuation MetricsMultiples, price ratios, and targets
TRIN3/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
TRIN3/4
Total Returns1Y, 3Y, 5Y total returns with dividends
TRIN6/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
TRIN1/1
Income & Cash Flow (Last 12 Months)
Insufficient data to determine a leader in this category.
Income & Cash Flow (Last 12 Months)
TRINZ and TRIN operate at a comparable scale, with $232M and $232M in trailing revenue. Profitability is closely matched — net margins range from 58.4% (TRINZ) to 58.4% (TRIN).
| Metric | TRINZTrinity Capital I… | TRINTrinity Capital I… |
|---|---|---|
| RevenueTrailing 12 months | $232M | $232M |
| EBITDAEarnings before interest/tax | $243M | $195M |
| Net IncomeAfter-tax profit | $154M | $154M |
| Free Cash FlowCash after capex | -$518M | $25M |
| Gross MarginGross profit ÷ Revenue | +100.0% | +100.0% |
| Operating MarginEBIT ÷ Revenue | +93.1% | +93.1% |
| Net MarginNet income ÷ Revenue | +58.4% | +58.4% |
| FCF MarginFCF ÷ Revenue | -2.3% | -2.3% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +23.3% | +23.3% |
Insufficient data to determine a leader in this category.
Valuation Metrics
TRIN leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
At 8.8x trailing earnings, TRIN trades at a 32% valuation discount to TRINZ's 12.9x P/E. On an enterprise value basis, TRINZ's 11.2x EV/EBITDA is more attractive than TRIN's 11.5x.
| Metric | TRINZTrinity Capital I… | TRINTrinity Capital I… |
|---|---|---|
| Market CapShares × price | $1.1B | $1.2B |
| Enterprise ValueMkt cap + debt − cash | $2.4B | $2.5B |
| Trailing P/EPrice ÷ TTM EPS | 12.94x | 8.82x |
| Forward P/EPrice ÷ next-FY EPS est. | 12.20x | 8.31x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | 11.21x | 11.52x |
| Price / SalesMarket cap ÷ Revenue | 4.86x | 5.16x |
| Price / BookPrice ÷ Book value/share | 1.61x | 1.09x |
| Price / FCFMarket cap ÷ FCF | — | — |
TRIN leads this category, winning 3 of 5 comparable metrics.
Profitability & Efficiency
TRIN leads this category, winning 3 of 4 comparable metrics.
Profitability & Efficiency
TRINZ delivers a 14.7% return on equity — every $100 of shareholder capital generates $15 in annual profit, vs $15 for TRIN. TRINZ carries lower financial leverage with a 1.20x debt-to-equity ratio, signaling a more conservative balance sheet compared to TRIN's 1.20x. On the Piotroski fundamental quality scale (0–9), TRIN scores 3/9 vs TRINZ's 2/9, reflecting mixed financial health.
| Metric | TRINZTrinity Capital I… | TRINTrinity Capital I… |
|---|---|---|
| ROE (TTM)Return on equity | +14.7% | +14.7% |
| ROA (TTM)Return on assets | +6.6% | +6.6% |
| ROICReturn on invested capital | +7.9% | +7.9% |
| ROCEReturn on capital employed | +10.2% | +10.2% |
| Piotroski ScoreFundamental quality 0–9 | 2 | 3 |
| Debt / EquityFinancial leverage | 1.20x | 1.20x |
| Net DebtTotal debt minus cash | $1.3B | $1.3B |
| Cash & Equiv.Liquid assets | $19M | $19M |
| Total DebtShort + long-term debt | $1.3B | $1.3B |
| Interest CoverageEBIT ÷ Interest expense | 2.63x | 1.54x |
TRIN leads this category, winning 3 of 4 comparable metrics.
Total Returns (Dividends Reinvested)
TRIN leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in TRIN five years ago would be worth $18,260 today (with dividends reinvested), compared to $11,746 for TRINZ. Over the past 12 months, TRIN leads with a +38.2% total return vs TRINZ's +8.6%. The 3-year compound annual growth rate (CAGR) favors TRIN at 25.9% vs TRINZ's 5.5% — a key indicator of consistent wealth creation.
| Metric | TRINZTrinity Capital I… | TRINTrinity Capital I… |
|---|---|---|
| YTD ReturnYear-to-date | +2.5% | +19.3% |
| 1-Year ReturnPast 12 months | +8.6% | +38.2% |
| 3-Year ReturnCumulative with dividends | +17.5% | +99.7% |
| 5-Year ReturnCumulative with dividends | +17.5% | +82.6% |
| 10-Year ReturnCumulative with dividends | +17.5% | +86.3% |
| CAGR (3Y)Annualised 3-year return | +5.5% | +25.9% |
TRIN leads this category, winning 6 of 6 comparable metrics.
Risk & Volatility
Evenly matched — TRINZ and TRIN each lead in 1 of 2 comparable metrics.
Risk & Volatility
TRINZ is the less volatile stock with a 0.57 beta — it tends to amplify market swings less than TRIN's 0.69 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | TRINZTrinity Capital I… | TRINTrinity Capital I… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.57x | 0.69x |
| 52-Week HighHighest price in past year | $25.66 | $17.38 |
| 52-Week LowLowest price in past year | $7.21 | $13.75 |
| % of 52W HighCurrent price vs 52-week peak | +98.9% | +99.4% |
| RSI (14)Momentum oscillator 0–100 | 73.2 | 73.6 |
| Avg Volume (50D)Average daily shares traded | 9K | 1.3M |
Evenly matched — TRINZ and TRIN each lead in 1 of 2 comparable metrics.
Analyst Outlook
TRIN leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
TRIN is the only dividend payer here at 11.39% yield — a key consideration for income-focused portfolios.
| Metric | TRINZTrinity Capital I… | TRINTrinity Capital I… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy |
| Price TargetConsensus 12-month target | — | $17.17 |
| # AnalystsCovering analysts | — | 7 |
| Dividend YieldAnnual dividend ÷ price | — | +11.4% |
| Dividend StreakConsecutive years of raises | 0 | 1 |
| Dividend / ShareAnnual DPS | — | $1.97 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | 0.0% |
TRIN leads this category, winning 1 of 1 comparable metric.
Key Takeaway
TRIN leads in 4 of 6 categories — strongest in Valuation Metrics and Profitability & Efficiency. 1 category is tied.
Best OverallTrinity Capital Inc. (TRIN)Leads 4 of 6 categories
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TRINZ vs TRIN: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is TRINZ or TRIN a better buy right now?
For growth investors, Trinity Capital Inc.
7. 875% Notes due 2029 (TRINZ) is the stronger pick with 2. 4% revenue growth year-over-year, versus -2. 2% for Trinity Capital Inc. (TRIN). Trinity Capital Inc. (TRIN) offers the better valuation at 8. 8x trailing P/E (8. 3x forward), making it the more compelling value choice. Analysts rate Trinity Capital Inc. (TRIN) a "Buy" — based on 7 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — TRINZ or TRIN?
On trailing P/E, Trinity Capital Inc.
(TRIN) is the cheapest at 8. 8x versus Trinity Capital Inc. 7. 875% Notes due 2029 at 12. 9x. On forward P/E, Trinity Capital Inc. is actually cheaper at 8. 3x.
03Which is the better long-term investment — TRINZ or TRIN?
Over the past 5 years, Trinity Capital Inc.
(TRIN) delivered a total return of +82. 6%, compared to +17. 5% for Trinity Capital Inc. 7. 875% Notes due 2029 (TRINZ). Over 10 years, the gap is even starker: TRIN returned +86. 3% versus TRINZ's +17. 5%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — TRINZ or TRIN?
By beta (market sensitivity over 5 years), Trinity Capital Inc.
7. 875% Notes due 2029 (TRINZ) is the lower-risk stock at 0. 57β versus Trinity Capital Inc. 's 0. 69β — meaning TRIN is approximately 21% more volatile than TRINZ relative to the S&P 500. On balance sheet safety, Trinity Capital Inc. 7. 875% Notes due 2029 (TRINZ) carries a lower debt/equity ratio of 120% versus 120% for Trinity Capital Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — TRINZ or TRIN?
By revenue growth (latest reported year), Trinity Capital Inc.
7. 875% Notes due 2029 (TRINZ) is pulling ahead at 2. 4% versus -2. 2% for Trinity Capital Inc. (TRIN). On earnings-per-share growth, the picture is similar: Trinity Capital Inc. 7. 875% Notes due 2029 grew EPS -6. 7% year-over-year, compared to -6. 7% for Trinity Capital Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — TRINZ or TRIN?
Trinity Capital Inc.
7. 875% Notes due 2029 (TRINZ) is the more profitable company, earning 58. 4% net margin versus 58. 4% for Trinity Capital Inc. — meaning it keeps 58. 4% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: TRINZ leads at 93. 1% versus 93. 1% for TRIN. At the gross margin level — before operating expenses — TRINZ leads at 100. 0%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is TRINZ or TRIN more undervalued right now?
On forward earnings alone, Trinity Capital Inc.
(TRIN) trades at 8. 3x forward P/E versus 12. 2x for Trinity Capital Inc. 7. 875% Notes due 2029 — 3. 9x cheaper on a one-year earnings basis.
08Which pays a better dividend — TRINZ or TRIN?
In this comparison, TRIN (11.
4% yield) pays a dividend. TRINZ does not pay a meaningful dividend and should not be held primarily for income.
09Is TRINZ or TRIN better for a retirement portfolio?
For long-horizon retirement investors, Trinity Capital Inc.
(TRIN) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 69), 11. 4% yield). Both have compounded well over 10 years (TRIN: +86. 3%, TRINZ: +17. 5%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between TRINZ and TRIN?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
TRIN pays a dividend while TRINZ does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(TRINZ: 2.4% · TRIN: -2.2%)Net Margin>
%
(TRINZ: 58.4% · TRIN: 58.4%)P/E Ratio<
x
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