Triumph Financial, Inc. (TFIN) Key Metrics
TFIN valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $1.47B
- Enterprise value
- $775.1M
- P/E (TTM)
- 41.6 10-yr median 20.7
- Forward P/E
- 10.5
- PEG ratio
- 1.62
- Price / sales
- 3.2 10-yr median 3.2
- Price / book
- 1.6 10-yr median 1.6
- EV / EBITDA
- — 10-yr median 11.2
- Dividend yield
- —
- Beta
- 1.53
TFIN key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsTFIN valuation Price multiples at each fiscal year-end price.
TFIN returns How much profit the business earns on the capital it uses.
TFIN per-share figures Results divided by the shares outstanding at year-end.
TFIN financial health Debt, liquidity and how easily interest is covered.
TFIN efficiency & capital use Working capital cycle and where the cash goes.
TFIN valuation history
TFIN returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
TFIN debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
TFIN cash returned to shareholders
TFIN price vs earnings per share
TFIN key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $1.49B | $2.16B | $1.86B | $1.22B | $3.01B | $1.20B | $990.8M | $756.8M | $630.0M | $472.1M |
| Enterprise value | $1.27B | $1.89B | $1.68B | $739.5M | $2.80B | $1.08B | $1.10B | $607.9M | $709.2M | $404.5M |
| P/E ratio | 58.9 | 134.3 | 49.1 | 12.0 | 26.6 | 18.7 | 16.9 | 14.6 | 17.4 | 22.8 |
| Price / sales | 2.9 | 4.4 | 4.4 | 2.4 | 6.8 | 3.2 | 2.9 | 2.7 | 3.2 | 3.2 |
| Price / book | 1.6 | 2.4 | 2.2 | 1.4 | 3.5 | 1.6 | 1.6 | 1.2 | 1.6 | 1.6 |
| Price / free cash flow | 29.5 | — | 114.6 | 19.2 | 24.5 | 15.0 | 19.4 | 13.7 | 16.0 | 17.7 |
| Price / operating cash flow | 22.3 | 36.9 | 31.0 | 16.4 | 22.0 | 12.3 | 13.7 | 10.3 | 13.3 | 15.2 |
| EV / sales | 2.5 | 3.9 | 4.0 | 1.5 | 6.3 | 2.9 | 3.2 | 2.1 | 3.6 | 2.8 |
| EV / EBITDA | 18.1 | 35.0 | 44.4 | 4.4 | 16.7 | 10.4 | 11.9 | 7.7 | 10.1 | 10.1 |
| EV / free cash flow | 25.2 | — | 103.5 | 11.6 | 22.8 | 13.6 | 21.6 | 11.0 | 18.0 | 15.2 |
| Earnings yield | 1.7% | 0.7% | 2.0% | 8.4% | 3.8% | 5.4% | 5.9% | 6.8% | 5.7% | 4.4% |
| Free cash flow yield | 3.4% | −1.3% | 0.9% | 5.2% | 4.1% | 6.7% | 5.2% | 7.3% | 6.2% | 5.6% |
| Dividend yield | 0.2% | 0.1% | 0.2% | 0.3% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.2% |
| Shareholder yield (dividends + buybacks) | 0.4% | 0.3% | 4.6% | 6.5% | 0.1% | 3.1% | 6.6% | 0.1% | 0.2% | 2.6% |
| Share price at fiscal year-end | $62.63 | $90.88 | $80.18 | $48.87 | $119.08 | $48.55 | $38.02 | $29.70 | $31.50 | $26.15 |
| Per share | ||||||||||
| Revenue per share | $21.64 | $20.51 | $18.02 | $20.10 | $17.50 | $15.14 | $13.15 | $11.18 | $9.85 | $8.06 |
| Earnings per share | $1.06 | $0.68 | $1.63 | $4.09 | $4.47 | $2.60 | $2.25 | $2.03 | $1.81 | $1.15 |
| Operating cash flow per share | $2.81 | $2.46 | $2.59 | $2.98 | $5.42 | $3.95 | $2.78 | $2.90 | $2.36 | $1.72 |
| Free cash flow per share | $2.12 | −$1.20 | $0.70 | $2.54 | $4.85 | $3.24 | $1.96 | $2.16 | $1.97 | $1.48 |
| Cash per share | $25.69 | $17.53 | $25.26 | $26.48 | $22.40 | $21.88 | $17.14 | $22.42 | $19.24 | $21.58 |
| Book value per share | $39.49 | $37.47 | $37.25 | $35.52 | $34.01 | $29.52 | $24.43 | $24.98 | $19.58 | $16.03 |
| Tangible book value per share | $22.58 | $25.01 | $25.19 | $24.90 | $23.05 | $21.81 | $17.13 | $17.16 | $16.40 | $13.45 |
| Dividends per share | $0.13 | $0.13 | $0.14 | $0.13 | $0.13 | $0.07 | $0.02 | $0.02 | $0.04 | $0.05 |
| Capex per share | $0.69 | $3.67 | $1.89 | $0.44 | $0.57 | $0.71 | $0.82 | $0.74 | $0.40 | $0.24 |
| Debt per share | $16.47 | $5.97 | $17.47 | $7.17 | $14.13 | $17.37 | $21.45 | $16.58 | $23.20 | $17.83 |
| Shares outstanding | 23.8M | 23.8M | 23.2M | 25.0M | 25.3M | 24.6M | 26.1M | 25.5M | 20.0M | 18.1M |
| Change in shares outstanding | +0.3% | +2.5% | −7.3% | −0.9% | +2.6% | −5.5% | +2.3% | +27.4% | +10.8% | +0.2% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 2.8% | 1.8% | 4.3% | 11.7% | 14.2% | 9.4% | 9.2% | 10.1% | 10.6% | 7.4% |
| Return on invested capital (ROIC) | 3.8% | 2.5% | 4.8% | 19.4% | 17.9% | 9.4% | 9.5% | 10.8% | 10.5% | 10.7% |
| Return on assets (ROA) | 0.4% | 0.3% | 0.7% | 1.8% | 1.9% | 1.2% | 1.2% | 1.3% | 1.2% | 1.0% |
| Return on tangible assets | 0.4% | 0.3% | 0.7% | 2.0% | 2.0% | 1.1% | 1.2% | 1.2% | 1.1% | 0.8% |
| Free cash flow margin | 9.8% | −5.9% | 3.9% | 12.6% | 27.7% | 21.4% | 14.9% | 19.3% | 20.0% | 18.3% |
| Income quality (OCF / net income) | 2.64 | 3.64 | 1.59 | 0.73 | 1.21 | 1.52 | 1.24 | 1.43 | 1.31 | 1.50 |
| Financial health | ||||||||||
| Total debt | $392.9M | $142.0M | $405.4M | $179.3M | $356.8M | $427.5M | $558.9M | $422.5M | $463.9M | $322.0M |
| Cash & short-term investments | $612.7M | $416.9M | $586.3M | $662.7M | $565.6M | $538.7M | $446.7M | $571.4M | $384.7M | $389.5M |
| Net debt | −$219.9M | −$274.9M | −$180.9M | −$483.4M | −$208.8M | −$111.2M | $112.2M | −$148.9M | $79.2M | −$67.6M |
| Debt / equity | 0.42 | 0.16 | 0.47 | 0.20 | 0.42 | 0.59 | 0.88 | 0.66 | 1.18 | 1.11 |
| Debt / assets | 0.06 | 0.02 | 0.08 | 0.03 | 0.06 | 0.07 | 0.11 | 0.09 | 0.13 | 0.12 |
| Net debt / EBITDA | −3.13 | −5.11 | −4.78 | −2.91 | −1.24 | −1.07 | 1.21 | −1.88 | 1.13 | −1.68 |
| Current ratio | 0.12 | 0.09 | 0.15 | 0.16 | 0.12 | 0.11 | 0.12 | 0.17 | 0.15 | 0.19 |
| Quick ratio | 0.12 | 0.09 | 0.15 | 0.16 | 0.12 | 0.11 | 0.12 | 0.16 | 0.15 | 0.19 |
| Interest coverage | 0.4 | 0.3 | 0.9 | 7.3 | 7.9 | 2.3 | 1.4 | 1.9 | 2.8 | 2.8 |
| Working capital | −$4.34B | −$4.40B | −$3.39B | −$3.51B | −$4.08B | −$4.18B | −$3.35B | −$2.88B | −$2.25B | −$1.64B |
| Invested capital | $721.9M | $616.0M | $683.5M | $405.6M | $650.1M | $615.6M | $748.8M | $487.7M | $470.9M | $221.8M |
| Tangible asset value | $538.6M | $594.7M | $584.7M | $623.2M | $582.0M | $536.9M | $446.3M | $437.2M | $327.9M | $242.8M |
| Net current asset value | −$4.83B | −$4.64B | −$3.90B | −$3.78B | −$4.53B | −$4.67B | −$3.98B | −$3.35B | −$2.72B | −$1.96B |
| Graham number | $30.74 | $23.88 | $36.98 | $57.17 | $58.51 | $41.57 | $35.14 | $33.77 | $28.25 | $20.33 |
| Graham net-net per share | −$202.37 | −$195.18 | −$167.90 | −$151.11 | −$179.41 | −$189.68 | −$152.54 | −$131.50 | −$136.13 | −$108.68 |
| Capital allocation | ||||||||||
| Dividends paid | $3.2M | $3.2M | $3.2M | $3.2M | $3.2M | $1.7M | $578,000 | $578,000 | $774,000 | $887,000 |
| Share buybacks (net) | $2.2M | $3.3M | $81.6M | $76.7M | $1.2M | $35.8M | $64.5M | $398,000 | $366,000 | $11.2M |
| Dividend payout ratio | 12.6% | 19.9% | 8.5% | 3.1% | 2.8% | 2.7% | 1.0% | 1.1% | 2.1% | 4.3% |
| Dividends + buybacks / free cash flow | 10.7% | — | 522.4% | 125.7% | 3.6% | 47.0% | 127.4% | 1.8% | 2.9% | 45.2% |
| Capex / revenue | 3.2% | 17.9% | 10.5% | 2.2% | 3.2% | 4.7% | 6.2% | 6.6% | 4.0% | 3.0% |
| Capex / operating cash flow | 24.5% | 148.8% | 73.0% | 14.6% | 10.5% | 18.1% | 29.5% | 25.4% | 16.8% | 14.0% |
| Capex / depreciation | 0.44 | 2.61 | 1.48 | 0.43 | 0.63 | 0.92 | 1.24 | 1.48 | 0.86 | 0.66 |
| Stock-based compensation / revenue | 2.7% | 3.0% | 3.2% | 4.2% | 4.6% | 1.2% | 1.1% | 1.0% | 0.9% | 1.6% |
| SG&A / revenue | 47.6% | 46.9% | 52.8% | 42.0% | 41.1% | 35.7% | 40.9% | 40.2% | 43.6% | 44.4% |
| Efficiency | ||||||||||
| Days of inventory on hand | — | — | — | 30.2 | 103.2 | 14.4 | 16.5 | 15.6 | — | — |
| Days payables outstanding | — | — | — | 63,583.1 | 179,138.1 | 20,503.4 | 20,910.0 | 24,175.6 | — | — |
| Payables turnover | — | — | — | 0.01 | 0.00 | 0.02 | 0.02 | 0.02 | — | — |
| Inventory turnover | — | — | — | 12.08 | 3.54 | 25.30 | 22.13 | 23.41 | — | — |
| Asset turnover | 0.08 | 0.09 | 0.08 | 0.09 | 0.07 | 0.07 | 0.07 | 0.07 | 0.06 | 0.07 |
| Average payables | — | — | — | $4.41B | $4.68B | $4.25B | $3.62B | $3.45B | — | — |
| Average inventory | — | — | — | $2.1M | $2.7M | $3.0M | $2.9M | $2.2M | — | — |
| Intangibles / total assets | 6.3% | 5.0% | 5.2% | 5.0% | 4.6% | 3.2% | 3.8% | 4.4% | 1.8% | 1.8% |
Computed from TFIN's annual financial statements (latest annual report filed February 11, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
TFIN valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), Triumph Financial traded at 58.9 times earnings, against a 10-year median of 20.7. Based on the latest twelve months, the trailing P/E is 41.6 and the forward P/E is 10.5. Triumph Financial earned a return on equity of 2.8% and a return on invested capital of 3.8% in fiscal 2025. It ended the year with $392.9 million of debt and $612.7 million in cash and short-term investments, a net cash position of $219.9 million. It returned $5.4 million to shareholders: $3.2 million in dividends and $2.2 million in share buybacks, 11% of free cash flow. The share count rose 32.1% from 18.1M to 23.8M over 9 years.
See the TFIN income statement, the TFIN chart for price history, or the TFIN stock overview for the latest quote and news.
TFIN key metrics FAQ
What is Triumph Financial's P/E ratio?
Triumph Financial's trailing P/E ratio is 41.6 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 10.5. At the end of fiscal 2025 it was 58.9, compared with a 10-year median of 20.7.
What is Triumph Financial's EV/EBITDA?
Triumph Financial's enterprise value was 18.1 times EBITDA at the end of fiscal 2025 (enterprise value $1.3 billion, EBITDA $70.3 million).
What is Triumph Financial's return on equity?
Triumph Financial's return on equity (ROE) was 2.8% in fiscal 2025: net income of $25.4 million on average shareholders' equity of $916.3 million.
What is Triumph Financial's ROIC?
Triumph Financial's return on invested capital was 3.8% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does Triumph Financial have?
Triumph Financial had total debt of $392.9 million at the end of fiscal 2025, a debt-to-equity ratio of 0.42 and more cash than debt.
What is Triumph Financial's dividend yield?
Triumph Financial paid $3.2 million in dividends in fiscal 2025 ($0.13 per share), a payout ratio of 12.6%.
Does Triumph Financial buy back its shares?
Yes. Triumph Financial spent $2.2 million on net share repurchases in fiscal 2025 Shares outstanding changed +0.3% over the year, to 23.8M..
What is Triumph Financial's free cash flow yield?
Triumph Financial generated $50.6 million of free cash flow in fiscal 2025, a free cash flow yield of 3.4% on its market value at year-end ($1.5 billion).
What is Triumph Financial's current ratio?
Triumph Financial's current ratio was 0.12 at the end of fiscal 2025: current assets were 0.12 times current liabilities.