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Triumph Financial (TFIN) investor relations material
Triumph Financial Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary16 Oct, 2025
Executive summary
Achieved continued revenue growth and margin expansion, with a focus on lean operations and efficiency despite a challenging freight market.
Net income available to common stockholders was $0.9 million for Q3 2025, with return on average common equity at 0.41%.
Completed the $151.9 million acquisition of Greenscreens AI and settled USPS litigation, resulting in a $47.5 million payment and a $11.5 million positive impact on pretax net income.
Restructuring efforts led to a 5% workforce reduction and a 5% expense base reduction, with most savings to begin in Q4.
Recognized as the #2 transportation factor in North America, with a 20% CAGR in invoice purchases since IPO.
Financial highlights
Revenue for the trailing twelve months ending 3Q25 was $422MM, with net interest income for Q3 2025 at $87.8 million and noninterest income up 22.6% to $21.4 million.
Transportation revenue annualized at $240M in Q3, targeting 20% annual growth.
Factoring segment revenue for the quarter was approximately $40M, with a yield on net funds employed of ~14.3% and portfolio turns of ~10x annually.
Payments segment reported a two-year revenue CAGR of 27.8% and SaaS-type gross margins of 89%.
Noninterest expense increased 8.4% to $103.7 million, driven by higher salaries, benefits, and software amortization.
Outlook and guidance
Management expects continued headwinds in transportation and factoring due to low freight rates and excess capacity, but plans for managed growth and efficiency improvements.
Targeting 20% growth in both factoring and payments segments, with a focus on customer-centric bundled offerings.
Expense run rate expected to be $96.5M for both 2025 and 2026, with ongoing efficiency improvements.
Long-term goals for segment annualized revenue: Factoring $155MM, Payments $73MM, Intelligence $9MM.
Technology investments and cost-saving initiatives are expected to enhance operational agility and support long-term growth.
Intelligence segment profitability outlook
ACL adequacy given rising charge-offs?
Funding strategy for loan growth
LoadPay revenue potential with full features?
TPay new partner revenue ramp timing?
Sustaining expense efficiency post-2026?
Tricolore: Next update on collateral liquidation?
Load Pay: How will product evolution boost revenue?
2026 expense management beyond Q4 cuts?
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Next Triumph Financial earnings date
Q4 202523 Jan, 2026
Next Triumph Financial earnings date
Q4 202523 Jan, 2026
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Frequently asked questions
Triumph Financial Inc is a financial holding company providing commercial finance and banking services through subsidiaries including Triumph Business Capital and TBK Bank. The company focuses on transportation factoring, equipment lending, treasury services, and community banking. It operates nationwide with a specialized focus on freight and logistics clients. Triumph Financial Inc is headquartered in Dallas, Texas, and its shares are listed on the NASDAQ.
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