TRIUMPH FINANCIAL INC (TFIN) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:TFIN - US89679E3009 - Common Stock
68.14 USD
+2.53 (+3.86%)
68.14 USD
0 (0%)
TFIN gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 387 industry peers in the Banks industry. Both the profitability and financial health of TFIN have multiple concerns. While showing a medium growth rate, TFIN is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
TFIN had positive earnings in the past year.
TFIN had a positive operating cash flow in the past year.
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
TFIN has a worse Return On Assets (0.16%) than 87.34% of its industry peers.
TFIN has a Return On Equity of 1.14%. This is amonst the worse of the industry: TFIN underperforms 88.11% of its industry peers.
| 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
The Profit Margin of TFIN (2.49%) is worse than 89.15% of its industry peers.
In the last couple of years the Profit Margin of TFIN has declined.
TFIN does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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
2. Health
2.1 Basic Checks
TFIN does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for TFIN remains at a similar level compared to 1 year ago.
The number of shares outstanding for TFIN has been reduced compared to 5 years ago.
TFIN has a better debt/assets ratio than last year.
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.
With a Debt to FCF ratio value of 6.39, TFIN is not doing good in the industry: 75.19% of the companies in the same industry are doing better.
A Debt/Equity ratio of 0.12 indicates that TFIN is not too dependend on debt financing.
TFIN has a Debt to Equity ratio of 0.12. This is in the better half of the industry: TFIN outperforms 62.79% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 6.39 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.35%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for TFIN have decreased strongly by -62.82% in the last year.
Measured over the past years, TFIN shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -24.83% on average per year.
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
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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.
4. Valuation
4.1 Price/Earnings Ratio
TFIN is valuated quite expensively with a Price/Earnings ratio of 234.97.
Compared to the rest of the industry, the Price/Earnings ratio of TFIN indicates a rather expensive valuation: TFIN more expensive than 88.63% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.00, TFIN is valued quite expensively.
Based on the Price/Forward Earnings ratio of 37.97, the valuation of TFIN can be described as expensive.
Based on the Price/Forward Earnings ratio, TFIN is valued a bit more expensive than the industry average as 79.59% of the companies are valued more cheaply.
TFIN's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 23.70.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 234.97 | ||
| Fwd PE | 37.97 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, TFIN is valued more expensive than 82.43% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 91.95 | ||
| 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%
5. Dividend
5.1 Amount
TFIN does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
68.14
+2.53 (+3.86%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners97.3%
Inst Owner ChangeN/A
Ins Owners5.19%
Ins Owner Change-4.46%
Market Cap1.62B
Revenue(TTM)415.87M
Net Income(TTM)10.43M
Analysts74.55
Price Target63.24 (-7.19%)
Short Float %12.14%
Short Ratio10.86
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
Yearly Dividend0.14
Dividend Growth(5Y)N/A
DP30.81%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-16.42%
Min EPS beat(2)-170.03%
Max EPS beat(2)137.19%
EPS beat(4)2
Avg EPS beat(4)-19.57%
Min EPS beat(4)-170.03%
Max EPS beat(4)137.19%
EPS beat(8)3
Avg EPS beat(8)-22.12%
EPS beat(12)4
Avg EPS beat(12)-20.48%
EPS beat(16)6
Avg EPS beat(16)-10.8%
Revenue beat(2)1
Avg Revenue beat(2)-2.32%
Min Revenue beat(2)-4.75%
Max Revenue beat(2)0.11%
Revenue beat(4)1
Avg Revenue beat(4)-3.47%
Min Revenue beat(4)-6.35%
Max Revenue beat(4)0.11%
Revenue beat(8)1
Avg Revenue beat(8)-3.88%
Revenue beat(12)2
Avg Revenue beat(12)-3.61%
Revenue beat(16)4
Avg Revenue beat(16)-1.4%
PT rev (1m)0%
PT rev (3m)2.48%
EPS NQ rev (1m)0%
EPS NQ rev (3m)7.72%
EPS NY rev (1m)0%
EPS NY rev (3m)-4.56%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.61%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 234.97 | ||
| Fwd PE | 37.97 | ||
| P/S | 3.86 | ||
| P/FCF | 91.95 | ||
| P/OCF | 24.99 | ||
| P/B | 1.77 | ||
| P/tB | 3.52 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.29
EY0.43%
EPS(NY)1.79
Fwd EY2.63%
FCF(TTM)0.74
FCFY1.09%
OCF(TTM)2.73
OCFY4%
SpS17.65
BVpS38.4
TBVpS19.37
PEG (NY)N/A
PEG (5Y)N/A
Graham Number15.83
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.16% | ||
| ROE | 1.14% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 2.49% | ||
| GM | N/A | ||
| FCFM | 4.2% |
ROA(3y)0.93%
ROA(5y)1.14%
ROE(3y)5.67%
ROE(5y)7.67%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/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
F-Score4
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 6.39 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 128.69% | ||
| Cap/Sales | 11.25% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 168.85% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC10.35%
ROIC/WACCN/A
Cap/Depr(3y)128.59%
Cap/Depr(5y)108.26%
Cap/Sales(3y)9.4%
Cap/Sales(5y)7.34%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-62.82%
EPS 3Y-50.15%
EPS 5Y-24.83%
EPS Q2Q%-78.95%
EPS Next Y-13.11%
EPS Next 2Y82.29%
EPS Next 3Y71.75%
EPS Next 5YN/A
Revenue 1Y (TTM)-0.57%
Revenue growth 3Y-0.61%
Revenue growth 5Y7.66%
Sales Q2Q%2.91%
Revenue Next Year1.85%
Revenue Next 2Y5.63%
Revenue Next 3Y6.83%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-61.89%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-6.63%
OCF growth 3Y-24.48%
OCF growth 5Y-4.04%
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 234.97 and the Price/Book (PB) ratio is 1.77.
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.