Triumph Financial (TFIN) Stock Analysis & Winston Score

Triumph Financial Inc., a financial and technology company, focuses on payments, factoring, and banking. It operates through a portfolio of brands, including TriumphPay, Triumph, and TBK Bank. The company offers cash flow management services for the trucking industry comprising invoice factoring, fuel discount programs, truck and cargo insurance, and equipment finance, banking, and treasury services. It also provides factoring products and services; insurance products and services; and equipment

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+2.5% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

+866.7% YoY

YoY Growth Rate

EPS growth accelerating

Insider Activity

11.1%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$64M cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

Triumph Financial is growing revenue at 3% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

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Quality

Gross Margin

86.9%

Premium pricing power — 86.9% gross margin

Operating Margin

8.3%

Modest — 8.3% operating margin

ROCE

0.9%

Weak — 0.9% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+2.2%

Nearly flat sales (2.2% YoY)

EPS YoY

+221.6%

Earnings growing fast (221.6% YoY)

Earnings growing 25%+ a year. The compounder zone.

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Cash Flow

Cash Conversion

237%

Turns 237% of profit into real cash

FCF Margin

11.5%

Modest free cash flow (11.5%)

FCF margin between 10% and 20%. Every $100 in sales becomes $10 to $20 in real cash.

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Stability

Debt / Equity

0.15

Conservative — low debt load (0.15)

Interest Cover

N/A

Data not available

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Valuation

P/E Ratio (TTM)

65.8x

no trend

Expensive — P/E 65.8

P/E over 35. The market is pricing in heavy, sustained growth.

P/E vs Forward

+22.1

GROWING

Earnings expected to grow meaningfully — cheaper on forward P/E (65.8 → 43.7)

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Dividends

Not applicable for this business.

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