We assign a fundamental rating of 2 out of 10 to TFIN. TFIN was compared to 383 industry peers in the Banks industry. TFIN may be in some trouble as it scores bad on both profitability and health. TFIN is quite expensive at the moment. It does show a decent growth rate.

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1. Profitability

2. Health

3. Growth

4. Valuation

5. Dividend

1. Profitability

1.1 Basic Checks

TFIN had positive earnings in the past year.
In the past year TFIN had a positive cash flow from operations.
Each year in the past 5 years TFIN has been profitable.
TFIN had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

With a Return On Assets value of 0.16%, TFIN is not doing good in the industry: 87.47% of the companies in the same industry are doing better.
With a Return On Equity value of 1.14%, TFIN is not doing good in the industry: 87.99% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
ROA	0.16%
ROE	1.14%
ROIC	N/A

ROA(3y)0.93%

ROA(5y)1.14%

ROE(3y)5.67%

ROE(5y)7.67%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

TFIN has a Profit Margin of 2.49%. This is amonst the worse of the industry: TFIN underperforms 89.03% of its industry peers.
TFIN's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for TFIN so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	2.49%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-50.59%

PM growth 5Y-31.25%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

TFIN does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, TFIN has about the same amount of shares outstanding.
The number of shares outstanding for TFIN has been reduced compared to 5 years ago.
The debt/assets ratio for TFIN has been reduced compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of TFIN is 6.39, which is on the high side as it means it would take TFIN, 6.39 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 6.39, TFIN is doing worse than 75.20% of the companies in the same industry.
A Debt/Equity ratio of 0.12 indicates that TFIN is not too dependend on debt financing.
TFIN has a better Debt to Equity ratio (0.12) than 63.19% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.12
Debt/FCF	6.39
Altman-Z	N/A

ROIC/WACCN/A

WACC10.41%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

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Altman-Z score

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3. Growth

3.1 Past

TFIN shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -62.82%.
The earnings per share for TFIN have been decreasing by -24.83% on average. This is quite bad
Looking at the last year, TFIN shows a decrease in Revenue. The Revenue has decreased by -0.57% in the last year.
The Revenue has been growing slightly by 7.66% on average over the past years.

EPS 1Y (TTM)-62.82%

EPS 3Y-50.15%

EPS 5Y-24.83%

EPS Q2Q%-78.95%

Revenue 1Y (TTM)-0.57%

Revenue growth 3Y-0.61%

Revenue growth 5Y7.66%

Sales Q2Q%2.91%

3.2 Future

The Earnings Per Share is expected to grow by 71.75% on average over the next years. This is a very strong growth
Based on estimates for the next years, TFIN will show a small growth in Revenue. The Revenue will grow by 6.83% on average per year.

EPS Next Y-13.11%

EPS Next 2Y82.29%

EPS Next 3Y71.75%

EPS Next 5YN/A

Revenue Next Year1.85%

Revenue Next 2Y5.63%

Revenue Next 3Y6.83%

Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.

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4. Valuation

4.1 Price/Earnings Ratio

TFIN is valuated quite expensively with a Price/Earnings ratio of 239.31.
Compared to the rest of the industry, the Price/Earnings ratio of TFIN indicates a rather expensive valuation: TFIN more expensive than 89.03% of the companies listed in the same industry.
TFIN is valuated expensively when we compare the Price/Earnings ratio to 27.21, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 38.68, which means the current valuation is very expensive for TFIN.
79.37% of the companies in the same industry are cheaper than TFIN, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of TFIN to the average of the S&P500 Index (24.26), we can say TFIN is valued expensively.

		Industry Rank	Sector Rank
PE	239.31
Fwd PE	38.68

4.2 Price Multiples

TFIN's Price/Free Cash Flow ratio is rather expensive when compared to the industry. TFIN is more expensive than 82.25% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	93.65
EV/EBITDA	N/A

4.3 Compensation for Growth

A more expensive valuation may be justified as TFIN's earnings are expected to grow with 71.75% in the coming years.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y82.29%

EPS Next 3Y71.75%

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5. Dividend

5.1 Amount

TFIN does not give a dividend.

		Industry Rank	Sector Rank
Dividend Yield	0%

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TRIUMPH FINANCIAL INC / TFIN FAQ

What is the ChartMill fundamental rating of TRIUMPH FINANCIAL INC (TFIN) stock?

ChartMill assigns a fundamental rating of 2 / 10 to TFIN.

What is the valuation status for TFIN stock?

ChartMill assigns a valuation rating of 1 / 10 to TRIUMPH FINANCIAL INC (TFIN). This can be considered as Overvalued.

Can you provide the profitability details for TRIUMPH FINANCIAL INC?

TRIUMPH FINANCIAL INC (TFIN) has a profitability rating of 2 / 10.

Can you provide the PE and PB ratios for TFIN stock?

The Price/Earnings (PE) ratio for TRIUMPH FINANCIAL INC (TFIN) is 239.31 and the Price/Book (PB) ratio is 1.81.

What is the expected EPS growth for TRIUMPH FINANCIAL INC (TFIN) stock?

The Earnings per Share (EPS) of TRIUMPH FINANCIAL INC (TFIN) is expected to decline by -13.11% in the next year.