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Triumph Financial (TFIN)
NYSE:TFIN
Earnings Data
Report Date
Apr 22, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.14Last Year’s EPS
-0.03Same Quarter Last Year
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call emphasized improving underlying profitability and monetization: core payments margins are expanding (29.5% in Q4, >30% targeted for 2026), factoring margins improved to ~33% with a goal above 40%, monetization of invoices rose to 35% (38% in December), strategic customer wins (JB Hunt, 8 of top 10 brokers) and $6M/year of cost savings underpin a positive operational trajectory. Key growth engines (Load Pay, factoring-as-a-service, intelligence cross-sell and TFX) have clear plans and early traction but remain at modest current scale, creating execution risk. There are near-term headwinds from seasonality, certain legacy assets (ABL non-transport exposure) and the need to further drive cross-sell and factor adoption. Overall, the positive momentum on margins, monetization, strategic partnerships and booked intelligence revenue outweighs the execution and scale risks noted.Company Guidance
Core Payments EBITDA Margin Expansion
Core payments delivered a 29.5% EBITDA margin in Q4 and management expects the core payments business to trend above 30% EBITDA margin in 2026, with a long-term target of 50%+.
Load Pay Growth Target
Load Pay exited the quarter with $1.5M annualized revenue and management guided to triple that amount in 2026 (implying ~ $4.5M annualized), driven by plans to open 7,000–12,000 accounts and increase linked & funded utilization.
Load Pay Revenue per Account Assumptions
Management forecasts about $750 revenue per account on average in 2026, while the top 10 accounts are tracking at over $5,000 each annually—showing potential upside from account mix and utilization improvements.
Factoring Margin Improvement
Factoring pretax margin improved to ~33% in Q4, with margin expansion attributed to technology, automation and headcount reductions; management expects continued margin expansion and sees a longer-term factoring target above 40%.
Monetization Progress on Payments Network
Percentage of invoices monetized increased to 35% for Q4 (38% in December), with additional contract repricings effective Jan 1 expected to further raise the proportion of payments that are fee-bearing.
Strategic Network Wins
Triumph added JB Hunt and now counts eight of the 10 largest freight logistics companies in its payments network, strengthening market credibility and potential volume flows.
Nonrecurring / Cost Savings Items
Nonrecurring items aided results this quarter and the sale of a building and an airplane yields approximately $6M per year in savings, which is baked into the expense run rate and 2026 guidance.
Intelligence Bookings and Near-Term Revenue
Q4 contracted approximately $1M of incremental annualized revenue for the intelligence segment; bookings generally bill within ~30 days and began contributing to Q1 results.
Credit Recoveries Reduced Credit Loss Expense
The company recorded a negative credit loss expense in the quarter (recoveries > new provisions/charge-offs), producing a net benefit to results and demonstrating recovery actions/credit management effectiveness.
TFIN Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
TFIN Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Jan 26, 2026 | $70.56 | $65.48 | -7.20% |
Oct 15, 2025 | $47.89 | $51.29 | +7.10% |
Jul 16, 2025 | $63.58 | $61.99 | -2.50% |
Apr 16, 2025 | $49.95 | $48.62 | -2.66% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Triumph Financial (TFIN) report earnings?
Triumph Financial (TFIN) is schdueled to report earning on Apr 22, 2026, After Close (Confirmed).
What is Triumph Financial (TFIN) earnings time?
Triumph Financial (TFIN) earnings time is at Apr 22, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is TFIN EPS forecast?
TFIN EPS forecast for the fiscal quarter 2026 (Q1) is 0.14.