Triumph Financial, Inc. (TFIN) Earnings
Triumph Financial, Inc. is expected to report next earnings on July 15, 2026 (in NaN days), with a consensus EPS estimate of $0.40. TFIN has beaten EPS estimates in 6 of its last 12 reported quarters (average surprise +136.7% over the last four).
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Apr 22, 2026 | $0.15 | $0.23 | +53.3% | $106M | -1.4% |
| Jan 26, 2026 | $0.30 | $0.77 | +160.1% | — | — |
| Oct 15, 2025 | $0.12 | $0.19 | +58.3% | $109M | -1.5% |
| Jul 16, 2025 | $0.04 | $0.15 | +275.0% | $108M | -3.0% |
| Apr 16, 2025 | $0.06 | $0.04 | -33.3% | $102M | -2.8% |
| Jan 22, 2025 | $0.23 | $0.13 | -43.5% | $103M | -4.6% |
| Oct 16, 2024 | $0.18 | $0.19 | +5.6% | $106M | -1.2% |
| Jul 17, 2024 | $0.22 | $0.08 | -63.6% | $105M | -2.4% |
| Apr 17, 2024 | $0.34 | $0.14 | -58.8% | $117M | +6.1% |
| Jan 23, 2024 | $0.40 | $0.37 | -7.5% | $105M | -2.4% |
| Oct 19, 2023 | $0.37 | $0.51 | +37.8% | $105M | -4.4% |
| Jul 20, 2023 | $0.41 | $0.29 | -29.3% | $103M | -5.7% |
Source: company filings + earnings calendar. For informational purposes only — not investment advice.
Earnings call summary
Q1 FY2026 · April 22, 2026
AI summary of management’s prepared remarks and analyst Q&A. For informational purposes only — not investment advice.
Management highlights
• Shift in tone from talking about product development to revenue and margin. • Factoring operating margin 80% better than a year ago, payments network growing rapidly. • Grew transportation revenue 23% last year, expect 20% growth this year. • Still investing in load pay and intelligence despite not being profitable yet. • Committed to vision despite freight recession challenges.
Guidance
• Expect to grow transportation revenue at least 20% this year. • Target 15% greater transportation revenue growth annually, which could generate about a dollar per share of earnings if operating income and corporate expense stay relatively flat. • ABL and liquid credit portfolios expected to be wound down within next 2-3 quarters, provision to grind lower.
Segment performance
Factoring: Operating margin is 80% better than a year ago. Payments network: Growing rapidly and on its way to achieving a 50% EBITDA margin. Transportation: Grew transportation revenue over the last year by 23%, expect to grow at least 20% again this year. Bank segment: Yields impacted by rate environment and additional mortgage warehouse deposits.
Risks & headwinds
• Uncertainty around Supreme Court case on broker liability which could inject volatility. • Impact of higher oil prices on demand if it slows down the overall economy. • Geopolitical risks that could affect the freight market.
Analyst Q&A
Q: About the North Star commentary and earnings relation,
A: Target 15% greater transportation revenue growth, which at current margins could generate about a dollar per share of earnings.
Q: About yields in segments,
A: Bank segment yields impacted by rate environment and mortgage warehouse deposits; factoring and payment segments by mix shift and industry efficiency.
Q: About freight environment and pricing,
A: Supply side driven, seeing structural change in trucking capacity, spot rate improving, but uncertain on oil price impact on demand.
Q: About Supreme Court case on broker liability,
A: Uncertain, but government's licensing regulation and enforcement welcome, could create friction in business.
Q: About factoring invoice purchase volume and outlook,
A: First quarter saw some client growth, pipeline solid, quarter over quarter increase expected.
Q: About payment side revenue per invoice and target,
A: Price on per customer basis should be $1.25 for core service, audit adds about a dollar per invoice, pricing ramps about 3-4 quarters.
Q: About expenses,
A: $80 million quarterly expenses aspirational, tech spend mostly in place, corporate expenses to grow at most inflation, operating businesses expenses to grow slower than revenue.
Q: About intelligence product demand and pricing,
A: Demand strong, 50 net new logos in past two quarters, building density before increasing pricing.
Q: About ABL and liquid credit portfolios,
A: Likely wound down within next 2-3 quarters, provision to grind lower