The earnings call reflects a positive outlook with significant achievements in market share and transaction milestones. However, there are challenges related to AI impacts on transaction value and increased operating expenses. The company remains optimistic about future growth, especially with new segments and partnerships coming online.
Company Guidance
During the Q4 2024 earnings call for Triumph Financial (TFIN), the executives provided insights into the company's strategic directions and future outlook. They highlighted their market dominance, noting that they now touch 50% of all brokered freight transactions in the U.S. and have surpassed $100 billion in total payments since launching their Payments segment. The company aims to increase its market share to 60-65% by the end of 2025, with expectations of improved EBITDA performance and revenue growth, particularly in the second half of the year. They are also focusing on Factoring-as-a-Service (FaaS) and LoadPay, which are expected to contribute significantly to revenue as they expand into new partnerships. The executives indicated that the Intelligence segment, which leverages their extensive data for freight brokers, is poised for growth, while LoadPay has seen active usage with an average interchange rate of 1.9% for debit card transactions. Overall, Triumph Financial is positioned for substantial growth, driven by their innovative services and expanding market share in the freight payment industry.
Brokered Freight Transactions Milestone
Triumph has reached a significant milestone by touching 50% of all brokered freight transactions in the United States, celebrating over $100 billion in total payments since the creation of their Payments segment.
Market Share Growth Goal
The company aims to increase its market share in the Payments segment to 60-65% by the end of 2025, having already eclipsed the 50% market share.
EBITDA Margin Improvement
Despite investments, the company continues to see improvements in EBITDA margins, indicating operational efficiency.
High Gross Margin in Intelligence Segment
The new Intelligence segment is expected to have a gross margin well over 90% due to the utilization of existing data and technology.
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Triumph Financial (TFIN) Earnings, Revenues Date & History
The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced
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
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TFIN Earnings-Related Price Changes
Report Date
Price 1 Day Before
Price 1 Day After
Percentage Change
Jan 22, 2025
$91.97
$78.86
-14.25%
Oct 16, 2024
$83.11
$87.11
+4.81%
Jul 17, 2024
$93.66
$82.38
-12.04%
Apr 17, 2024
$74.13
$68.10
-8.13%
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.
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FAQ
When does Triumph Financial (TFIN) report earnings?
Triumph Financial (TFIN) is schdueled to report earning on Jan 22, 2025, TBA Not Confirmed.
What is Triumph Financial (TFIN) earnings time?
Triumph Financial (TFIN) earnings time is at Jan 22, 2025, TBA Not Confirmed.
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.