Triumph Financial, Inc. (TFIN) Financial Ratios
14 years of historical data (2012–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
30.65
↑+39% vs avg
5yr avg: 22.08
30Y Low1.0·High36.7
P/FCF
↑
33.89
↓-28% vs avg
5yr avg: 46.96
30Y Low9.3·High114.6
P/B Ratio
↓
1.82
↓-17% vs avg
5yr avg: 2.21
30Y Low0.7·High3.5
ROE
↓
2.8%
↑-61% vs avg
5yr avg: 7.0%
30Y Low2%·High16%
Debt/EBITDA
↑
N/A
—
5yr avg: 2.69
30Y Low1.0·High8.0
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
TFIN Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Triumph Financial, Inc. trades at 77.5x earnings, 19% above its 5-year average of 65.0x, sitting at the 92nd percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a premium of 470%. On a free-cash-flow basis, the stock trades at 33.9x P/FCF, 28% below the 5-year average of 47.0x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $1.7B | $1.5B | $2.2B | $1.9B | $1.2B | $3.0B | $1.2B | $991M | $757M | $630M | $472M |
| Enterprise Value | $1.5B | $1.2B | $2.0B | $2.0B | $994M | $3.0B | $1.3B | $1.4B | $944M | $960M | $680M |
| P/E Ratio → | 77.49 | 67.34 | 168.30 | 49.80 | 12.34 | 27.37 | 19.19 | 16.90 | 14.63 | 17.40 | 23.77 |
| P/S Ratio | 3.32 | 2.89 | 4.43 | 3.94 | 2.43 | 6.80 | 3.21 | 2.89 | 2.66 | 3.20 | 3.25 |
| P/B Ratio | 1.82 | 1.59 | 2.43 | 2.15 | 1.38 | 3.50 | 1.64 | 1.56 | 1.19 | 1.61 | 1.63 |
| P/FCF | 33.89 | 29.51 | — | 114.59 | 19.24 | 24.53 | 14.99 | 19.38 | 13.75 | 16.02 | 17.71 |
| P/OCF | 25.58 | 22.27 | 36.90 | 30.98 | 15.14 | 21.96 | 12.28 | 13.68 | 10.25 | 13.33 | 15.24 |
P/E links to full P/E history page with 30-year chart
TFIN EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Triumph Financial, Inc.'s enterprise value stands at 30.7x EBITDA, 39% above its 5-year average of 22.1x. The Financial Services sector median is 11.4x, placing the stock at a 169% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.41 | 4.05 | 4.20 | 1.98 | 6.74 | 3.51 | 3.94 | 3.31 | 4.87 | 4.67 |
| EV / EBITDA | 30.65 | 26.01 | 36.66 | 23.99 | 5.98 | 17.76 | 12.61 | 14.58 | 11.92 | 13.65 | 16.94 |
| EV / EBIT | 44.47 | 37.74 | 96.39 | 37.48 | 7.26 | 20.56 | 15.44 | 17.92 | 14.20 | 15.71 | 20.28 |
| EV / FCF | — | 24.60 | — | 121.90 | 15.64 | 24.31 | 16.40 | 26.45 | 17.15 | 24.41 | 25.49 |
TFIN Profitability
Margins and return-on-capital ratios measuring operating efficiency
Triumph Financial, Inc. earns an operating margin of 6.4%, below the Financial Services sector average of 20.3%. Operating margins have compressed from 11.2% to 6.4% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 2.8% is modest, trailing the sector median of 9.0%. ROIC of 2.5% represents below-average returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 83.9% | 83.9% | 81.4% | 86.1% | 95.0% | 97.8% | 79.7% | 81.6% | 81.7% | 83.2% | 87.1% |
| Operating Margin | 6.4% | 6.4% | 4.2% | 11.2% | 27.2% | 32.8% | 22.7% | 22.0% | 23.3% | 31.0% | 23.0% |
| Net Profit Margin | 4.9% | 4.9% | 3.3% | 8.7% | 20.3% | 25.6% | 17.2% | 17.1% | 18.2% | 18.4% | 14.2% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 2.8% | 2.8% | 1.8% | 4.7% | 11.7% | 14.2% | 9.4% | 9.2% | 10.1% | 10.6% | 7.4% |
| ROA | 0.4% | 0.4% | 0.3% | 0.8% | 1.8% | 1.9% | 1.2% | 1.2% | 1.3% | 1.2% | 1.0% |
| ROIC | 2.5% | 2.5% | 1.3% | 3.4% | 9.0% | 9.2% | 5.4% | 5.0% | 5.2% | 6.2% | 4.8% |
| ROCE | 0.5% | 0.5% | 1.6% | 4.2% | 11.1% | 11.5% | 6.8% | 6.4% | 6.7% | 8.3% | 6.4% |
TFIN Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
The company holds a net cash position — cash of $248M exceeds total debt of $0, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns. Interest coverage of just 0.4x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | — | — | 0.16 | 0.47 | 0.20 | 0.42 | 0.59 | 0.88 | 0.66 | 1.18 | 1.11 |
| Debt / EBITDA | — | — | 2.64 | 4.91 | 1.08 | 2.13 | 4.12 | 6.03 | 5.33 | 6.60 | 8.03 |
| Net Debt / Equity | — | -0.26 | -0.21 | 0.14 | -0.26 | -0.03 | 0.16 | 0.57 | 0.29 | 0.84 | 0.72 |
| Net Debt / EBITDA | -5.19 | -5.19 | -3.50 | 1.44 | -1.38 | -0.16 | 1.09 | 3.89 | 2.37 | 4.69 | 5.17 |
| Debt / FCF | — | -4.91 | — | 7.31 | -3.60 | -0.22 | 1.42 | 7.06 | 3.41 | 8.39 | 7.78 |
| Interest Coverage | 0.41 | 0.41 | 0.28 | 0.97 | 7.31 | 7.87 | 2.27 | 1.37 | 1.85 | 2.84 | 2.76 |
Net cash position: cash ($248M) exceeds total debt ($0)
TFIN Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio has declined from 0.15x to 0.09x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | — | — | 0.09 | 0.15 | 0.16 | 0.12 | 0.11 | 0.12 | 0.17 | 0.15 | 0.19 |
| Quick Ratio | — | — | 0.09 | 0.15 | 0.16 | 0.12 | 0.11 | 0.12 | 0.17 | 0.15 | 0.19 |
| Cash Ratio | — | — | 0.07 | 0.07 | 0.10 | 0.08 | 0.07 | 0.05 | 0.07 | 0.05 | 0.06 |
| Asset Turnover | — | 0.08 | 0.08 | 0.09 | 0.09 | 0.07 | 0.06 | 0.07 | 0.06 | 0.06 | 0.06 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
TFIN Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Triumph Financial, Inc. returns 0.3% to shareholders annually — split between a 0.2% dividend yield and 0.1% buyback yield. The earnings yield of 1.3% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 0.2% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 1.3% | 1.5% | 0.6% | 2.0% | 8.1% | 3.7% | 5.2% | 5.9% | 6.8% | 5.7% | 4.2% |
| FCF Yield | 3.0% | 3.4% | — | 0.9% | 5.2% | 4.1% | 6.7% | 5.2% | 7.3% | 6.2% | 5.6% |
| Buyback Yield | 0.1% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 0.3% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $24M | $24M | $23M | $25M | $25M | $25M | $26M | $25M | $20M | $18M |
Peer Comparison
Compare TFIN with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 TFINYou | $2B | 77.5 | 30.7 | 33.9 | 83.9% | 6.4% | 2.8% | 2.5% | — |
 TCBK | $2B | 13.9 | 8.6 | 12.9 | 75.9% | 31.7% | 9.5% | 8.9% | 0.4 |
 CVBF | $3B | 13.7 | 13.2 | 13.0 | 79.9% | 43.8% | 9.3% | 6.8% | 3.5 |
 BOKF | $8B | 14.2 | 13.7 | 13.8 | 63.7% | 21.4% | 10.1% | 5.2% | 5.8 |
 IBCP | $706M | 10.5 | 9.5 | 10.1 | 69.6% | 25.8% | 14.3% | 10.2% | 1.4 |
 FFIN | $5B | 18.5 | 11.4 | 15.3 | 71.8% | 37.5% | 14.4% | 12.4% | 0.1 |
 WRLD | $897M | 10.9 | 8.4 | 3.6 | 70.0% | 28.1% | 20.8% | 12.1% | 3.1 |
 ECPG | $2B | 7.6 | 8.8 | 14.0 | 69.0% | 35.4% | 29.5% | 9.8% | 6.3 |
 PRAA | $570M | -1.9 | 1.2 | — | 99.2% | 33.9% | -27.3% | 11.2% | 0.1 |
 NAVI | $760M | -10.0 | 17.8 | 1.7 | 87.0% | 77.1% | -3.2% | 3.8% | 18.3 |
 CACC | $6B | 15.4 | 10.5 | 5.7 | 98.7% | 47.6% | 25.9% | 10.4% | 5.6 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Includes 30+ ratios · 14 years · Updated daily
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TFIN — Frequently Asked Questions
Quick answers to the most common questions about buying TFIN stock.
What is Triumph Financial, Inc.'s P/E ratio?
Triumph Financial, Inc.'s current P/E ratio is 77.5x. The historical average is 36.4x. This places it at the 92th percentile of its historical range.
What is Triumph Financial, Inc.'s EV/EBITDA?
Triumph Financial, Inc.'s current EV/EBITDA is 30.7x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 15.8x.
What is Triumph Financial, Inc.'s ROE?
Triumph Financial, Inc.'s return on equity (ROE) is 2.8%. The historical average is 9.2%.
Is TFIN stock overvalued?
Based on historical data, Triumph Financial, Inc. is trading at a P/E of 77.5x. This is at the 92th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Triumph Financial, Inc.'s dividend yield?
Triumph Financial, Inc.'s current dividend yield is 0.19%.
What are Triumph Financial, Inc.'s profit margins?
Triumph Financial, Inc. has 83.9% gross margin and 6.4% operating margin.