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Triumph Financial (TFIN) investor relations material
Triumph Financial Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary17 Jul, 2025
Executive summary
Achieved strong revenue growth in transportation, with a focus on financial and technology solutions for U.S. freight and logistics, and a leading presence in factoring, payments, and intelligence services.
Successfully resolved a five-year dispute with USPS, resulting in a $47.5M settlement and full financial recovery, including a $12.4M pretax net income benefit.
Acquired and integrated GreenScreens AI, enhancing data capabilities and expanding the Intelligence segment, with $112M goodwill allocated across segments.
Operates a network with 533 brokers, 57 factors, 74 shippers, and over 174,000 carriers, touching 63% of all brokered freight.
Segment revenue mix for the first half: Banking 59%, Factoring 30%, Payments 10%, Intelligence 1%.
Financial highlights
Trailing twelve months (TTM) revenue as of 2Q25 was $419M, with Q2 2025 net income to common shareholders at $3.6M and net interest income of $88.7M.
Payments segment EBITDA margin improved to 14%, with expectations for continued margin expansion.
Factoring yield on net funds employed was approximately 15.4% as of June 30, 2025, with a portfolio turning 10.4x annually.
Nonperforming loans to total loans fell to 1.20%, and allowance for credit losses to total loans was 0.78% at June 30, 2025.
Net charge-offs normalized below $1M, reflecting strong credit quality.
Outlook and guidance
Intelligence segment expected to be the fastest-growing transportation business over the next 2–3 years, rapidly offsetting initial earnings drag from GreenScreens acquisition.
Long-term goals: 40% pretax operating margin for payments, 50% EBITDA margin for factoring, and 90% gross margin for intelligence.
Transportation businesses targeted for 20% annual aggregate growth.
Management expects continued focus on managed growth in factoring, efficiency, and profitability, with technology and AI initiatives to support operations.
Freight market softness and low invoice prices are expected to persist, impacting Factoring and Payments segments.
How will USPS settlement proceeds be applied?
What synergies drove Greenscreens AI goodwill?
What loss drivers inform ACL estimates?
How will Triumph integrate Greenscreens?
What's the LoadPay average revenue impact?
Detail corporate noninterest expense growth.
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Next Triumph Financial earnings date
Q3 202516 Oct, 2025
Next Triumph Financial earnings date
Q3 202516 Oct, 2025
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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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