Triumph Financial (TFIN)

NYSE:TFIN

TFIN

Triumph Financial

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Triumph Financial (TFIN) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date

Jul 22, 2026

After Close (Confirmed)

Period Ending

2026 (Q2)

Consensus EPS Forecast

0.43

Last Year’s EPS

0.15

Same Quarter Last Year

Analyst Consensus

Moderate Buy

Based on 3 Analysts Ratings

Earnings Call Summary

Q1 2026

Earnings Call Date:Apr 21, 2026|

% Change Since:

Earnings Call Sentiment|Positive

The call conveyed a constructive and optimistic tone anchored by strong transportation revenue growth (+23% YoY) and improving margins in Factoring and Payments (Factoring margin +80% YoY improvement; Payments on track to ~50% EBITDA margin). Management highlighted meaningful operational efficiency gains (invoices/FTE) and rising average invoice prices (from $1,769 to $2,011 QTD), plus traction in LoadPay and Intelligence. Near-term headwinds include a weaker banking segment (core banking revenue down ~12% YoY), yield compression from rates and mix, continued investments in non‑profitable but growing businesses (LoadPay, Intelligence), an elevated expense base (Q2 guide $97M), and regulatory/legal uncertainties that could introduce volatility. Overall, the positive growth, margin progress, and operational improvements were presented as outweighing the near-term banking and expense challenges.

Company Guidance

The company reiterated aggressive 2026 targets: transportation revenue grew 23% last year and management expects at least 20% growth this year (they also noted a prior “North Star” 15% target tied to roughly $1 of incremental EPS), while holding corporate expense largely flat (Q2 expense guide ~$97M; they said they finished last year near $96.5M and are not planning cuts to ~$80M). Key margin and operating metrics include Factoring operating margin up ~80% year‑over‑year and targeted to exit the year around a ~40% operating margin; the core Payments network is guided toward ~50% EBITDA margin. Operational KPIs: invoices purchased in Q1 were ~12% higher YoY, invoices per FTE in Factoring ~7,200 (vs ~5,600 prior year), and average invoice prices moved from $1,769 a year ago to $1,897 at quarter end and ~$2,011 quarter‑to‑date (Triumph Factoring average >$2,000; Payments average ~$1,200–$1,300). Other finance notes: bank yields were pressured (core banking revenue down ~12% YoY in Q1) from falling rates and mortgage‑warehouse rebates, ABL/liquid credit portfolios should be wound down in ~2–3 quarters with provisions expected to grind lower, and Payments pricing ramps typically take ~3–4 quarters (aspirational per‑customer pricing: $1.25 core + ~$1 audit ≈ $2.25).

Strong Transportation Revenue Growth

Transportation revenue grew 23% year-over-year and management expects at least 20% transportation revenue growth for fiscal 2026.

Factoring Operating Margin Improvement

Factoring operating margin is reported as 80% better than a year ago, with management targeting an exit-year operating margin of ~40% for the Factoring business.

Payments Network Margin Progress

The core Payments network is growing rapidly and is described as being on its way to a 50% EBITDA margin, with ongoing revenue growth and continued margin expansion.

Client and Invoice Volume Gains in Factoring

Number of invoices purchased in Q1 was ~12% higher year-over-year; management said they grew Factoring customers during a traditionally slow quarter and outgrew general market seasonality.

Rising Average Invoice Prices

Factoring average invoice price moved from $1,769 a year ago to $1,897 at quarter end and is ~ $2,011 quarter-to-date (implying ~7% increase to quarter-end and ~13.7% to QTD versus year-ago).

Operational Efficiency Gains via AI/Automation

Operational productivity improved materially (analyst-cited metric: invoices purchased per FTE rose from ~5,600 to ~7,200, ~+28.6%), with company saying AI/LLM-driven automation is in early innings and will further raise efficiency and client experience.

LoadPay and Account Growth

LoadPay accounts exceeded the number of Factoring clients; the business saw meaningful account growth in Q1 and product upgrades planned to increase active account usage in Q2.

Intelligence Business Traction

Demand for Intelligence is strong: management reported ~50 net new logos across the past two quarters, a strong pipeline and net new bookings gaining momentum after recent acquisitions and integrations.

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

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TFIN Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Jul 22, 2026	2026 (Q2)	0.43 / -	0.15	―	―	―
Apr 21, 2026	2026 (Q1)	0.15 / 0.23	-0.03	866.67% (+0.26)	―
Jan 26, 2026	2025 (Q4)	0.30 / 0.77	0.13	492.31% (+0.64)	―
Oct 15, 2025	2025 (Q3)	-0.04 / 0.04	0.19	-78.95% (-0.15)
Jul 16, 2025	2025 (Q2)	0.05 / 0.15	0.08	87.50% (+0.07)
Apr 16, 2025	2025 (Q1)	0.04 / -0.03	0.14	-121.43% (-0.17)	―
Jan 22, 2025	2024 (Q4)	0.24 / 0.13	0.37	-64.86% (-0.24)	―
Oct 16, 2024	2024 (Q3)	0.18 / 0.19	0.51	-62.75% (-0.32)	―
Jul 17, 2024	2024 (Q2)	0.22 / 0.08	0.29	-72.41% (-0.21)	―
Apr 17, 2024	2024 (Q1)	0.32 / 0.14	0.43	-67.44% (-0.29)	―

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
Apr 21, 2026	$67.12	$62.92	-6.26%
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%

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 Jul 22, 2026, After Close (Confirmed).

What is Triumph Financial (TFIN) earnings time?

Triumph Financial (TFIN) earnings time is at Jul 22, 2026, After Close (Confirmed).

Where can I see when companies are reporting earnings?

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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 (Q2) is 0.43.