Inferra AI / Company / TFIN
Triumph Financial, Inc.
TFIN · Financials
Last earnings Oct 21, 2026
Key results
Net incomequarter
$10.6 million
htm EX-99.1 Document Exhibit 99.1 July 21, 2026 Fellow Shareholders, For the second quarter, we recorded net income to common stockholders of $10.6 million, or $0.44 per diluted share.
SEC original ↗Triumph Financial, Inc. — Earnings release (8-K exhibit)EX-99Jul 21, 2026
Transportation revenuequarter
15%
CEO Summary The Metrics That Matter Most North Star Metrics Long-Term Target 2Q26* 1Q26* From Prior Quarter Transportation Revenue Growth 15% 30.9 % 23.5 % 7.4 % Factoring Operating Margin 40% 39.4 % 34.7 % 4.7 % Payments EBITDA Margin (ex-LoadPay) 50% 34.0 % 34.0 % % Intelligence Gross Margin 85% 84.7 % 86.1 % (1.4 %) * Growth figures are YoY, all other metrics are for the quarter indicated.
SEC original ↗Triumph Financial, Inc. — Earnings release (8-K exhibit)EX-99Jul 21, 2026
Factoring operating marginquarter
40%
CEO Summary The Metrics That Matter Most North Star Metrics Long-Term Target 2Q26* 1Q26* From Prior Quarter Transportation Revenue Growth 15% 30.9 % 23.5 % 7.4 % Factoring Operating Margin 40% 39.4 % 34.7 % 4.7 % Payments EBITDA Margin (ex-LoadPay) 50% 34.0 % 34.0 % % Intelligence Gross Margin 85% 84.7 % 86.1 % (1.4 %) * Growth figures are YoY, all other metrics are for the quarter indicated.
SEC original ↗Triumph Financial, Inc. — Earnings release (8-K exhibit)EX-99Jul 21, 2026
Revenuequarter
29.4%
Revenue grew 29.4% YoY to $89.2 million, annualized.
SEC original ↗Triumph Financial, Inc. — Earnings release (8-K exhibit)EX-99Jul 21, 2026
On a quarterly basis, revenue grew 16.7%, with contributions coming from contractual price increases, increased supply chain finance volumes, and seasonality.
SEC original ↗Triumph Financial, Inc. — Earnings release (8-K exhibit)EX-99Jul 21, 2026
We have generated a 27% CAGR in revenue over the last two years.
SEC original ↗Triumph Financial, Inc. — Earnings release (8-K exhibit)EX-99Jul 21, 2026
LoadPay revenuequarter
49.2%
LoadPay revenue growth was 49.2% for the quarter, and we crossed over 10,000 accounts, both of which are very encouraging.
SEC original ↗Triumph Financial, Inc. — Earnings release (8-K exhibit)EX-99Jul 21, 2026
Gross revenuequarter
$652 thousand
Gross revenue was $652 thousand, annualized revenue per account was $281, and annualized revenue per active carrier account was $707.
SEC original ↗Triumph Financial, Inc. — Earnings release (8-K exhibit)EX-99Jul 21, 2026
As a reminder, our target annual revenue for active carrier accounts is $750.
SEC original ↗Triumph Financial, Inc. — Earnings release (8-K exhibit)EX-99Jul 21, 2026
AI analysis
Q2 2026 · reported Jul 21, 2026
Based on: Earnings release + parent 8-K — transcript not held
Headline figures
| Metric | Q2 2026 | Prior qtr | Year ago |
|---|---|---|---|
| Net income | $10.6 million | — | — |
| Transportation revenue | 15% | — | — |
| Factoring operating margin | 40% | — | — |
| Revenue | 29.4% | — | — |
| LoadPay revenue | 49.2% | — | — |
| Gross revenue | $652 thousand | — | — |
Guidance · company-stated
No guidance located in the held release
Margin
Event summary
Earnings for the quarter were affected by certain non-core items detailed at the end of this letter, which in aggregate reduced EPS by $0.13
Based on: Earnings release + parent 8-K — transcript not held
Guidance & outlook
No guidance located in the held release
Strategy & priorities
The majority of this non-core expense is related to our ongoing efficiency initiatives, which should continue to create positive operating leverage for Triumph going forward.
SEC original ↗Triumph Financial, Inc. — Earnings release (8-K exhibit)EX-99Jul 21, 2026
It will not be perfectly linear, but we absolutely expect margin expansion from here.
SEC original ↗Triumph Financial, Inc. — Earnings release (8-K exhibit)EX-99Jul 21, 2026
Each quarter, we evaluate this business through the metrics of purchased volume, average invoice size, client growth, credit performance, margin, and the extent to which it contributes to our broader liquidity solutions strategy.
SEC original ↗Triumph Financial, Inc. — Earnings release (8-K exhibit)EX-99Jul 21, 2026
In addition to the opportunity for high margin and durable segment revenue, Intelligence is also strategically important to Triumph s value chain.
SEC original ↗Triumph Financial, Inc. — Earnings release (8-K exhibit)EX-99Jul 21, 2026
We built both offerings on the unique data advantage created by the Triumph Network, and both reflect our strategy of turning transportation data into practical workflows which improve execution, protect margins, and create measurable customer value.
SEC original ↗Triumph Financial, Inc. — Earnings release (8-K exhibit)EX-99Jul 21, 2026
Risks & headwinds
While cyclical forces will continue to matter, enforcement, regulation, legislation, litigation risk, insurance standards, and supply chain integrity are also reframing how shippers and brokers evaluate and use capacity.
SEC original ↗Triumph Financial, Inc. — Earnings release (8-K exhibit)EX-99Jul 21, 2026
Forward-looking statements involve numerous risks and uncertainties, and you should not rely on them as predictions of future events.
SEC original ↗Triumph Financial, Inc. — Earnings release (8-K exhibit)EX-99Jul 21, 2026
For a discussion of such risks and uncertainties, which could cause actual results to differ from those contained in the forward-looking statements, see Risk Factors and the forward-looking statement disclosure contained in Triumph Financial s Annual Report on Form 10-K, filed with the Securities and Exchange Commission on February 11, 2026.
SEC original ↗Triumph Financial, Inc. — Earnings release (8-K exhibit)EX-99Jul 21, 2026
Earnings deck slides
0 decks with slide viewTriumph Financial, Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Triumph Financial, Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Competitors
Competitors & peers
Same GICS sector — classification peers, not declared competitors
Filings
30 documents- Q3 2026
- 8-KTFIN
Oct 21, 2026
- 10-QTFIN
Oct 21, 2026
- Q2 2026
- 8-KTFIN
Aug 31, 2026
- 8-KTFIN
Jul 21, 2026
- 10-QTFIN
Jul 21, 2026
- Q1 2026
- 8-KTFIN
May 29, 2026
- 8-KTFIN
Apr 23, 2026
- 8-KTFIN
Apr 21, 2026
- 10-QTFIN
Apr 21, 2026
- Q4 2025
- 8-KTFIN
Feb 27, 2026
- 10-KTFIN
Feb 11, 2026
- 8-KTFIN
Jan 26, 2026
- Q3 2025
- 8-KTFIN
Nov 28, 2025
- 8-KTFIN
Oct 15, 2025
- 10-QTFIN
Oct 15, 2025
- Q2 2025
- 8-KTFIN
Sep 11, 2025
- 8-KTFIN
Aug 29, 2025
- 8-KTFIN
Aug 21, 2025
- 8-KTFIN
Aug 8, 2025
- 8-KTFIN
Jul 30, 2025
- 8-KTFIN
Jul 16, 2025
- 10-QTFIN
Jul 16, 2025
- Q1 2025
- 8-KTFIN
May 30, 2025
- 8-KTFIN
May 8, 2025
- 8-KTFIN
Apr 22, 2025
- 8-KTFIN
Apr 16, 2025
- 10-QTFIN
Apr 16, 2025
- Q4 2024
- 8-KTFIN
Mar 25, 2025
- 8-KTFIN
Mar 10, 2025
- 8-KTFIN
Feb 28, 2025
Earnings releases
9 documentsPresentations
2 documents
Transcripts
0 documentsNo transcripts for Triumph Financial, Inc. are held in this edition of the library.
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