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Triumph Financial
Triumph Financial (TFIN) investor relations material
Triumph Financial Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary27 Jan, 2026
Executive summary
Achieved progress on stated goals, including revenue growth and lean operations, with metrics moving in the right direction for long-term objectives.
Focus remains on strengthening the network for secure and efficient data and payment transmission, even amid a challenging trucking industry recession.
Welcomed J.B. Hunt to the network, now serving 8 of the 10 largest freight logistics companies.
Financial highlights
Core payments business reported a 29.5% EBITDA margin last quarter, with expectations to exceed 30% in 2026 and a long-term goal of 50% or greater.
Factoring segment achieved a pre-tax margin of 33% in Q4, a significant improvement year-over-year, driven by technology and automation.
LoadPay exited the quarter with $1.5 million annualized revenue, with guidance to triple this in 2026.
Fourth quarter saw a negative credit loss expense due to greater recoveries than new provisions or charge-offs.
Outlook and guidance
Core payments business expected to trend above 30% EBITDA margin in 2026, targeting 50%+ long term.
LoadPay revenue projected to triple in 2026, driven by both account growth (7,000–12,000 new accounts) and increased revenue per account.
Factoring margins expected to continue expanding, with a long-term target of over 40% operating margin.
Payments segment revenue growth for 2026 guided at 25%, with J.B. Hunt's contribution already embedded.
Expense savings from asset sales ($6 million annually) are included in the run rate for 2026.
Payments core revenue growth levers for 2026
Factoring AI impact on efficiency and future focus
Banking portfolio changes: strategic rationale
LoadPay 2026 growth: account vs. revenue per account?
Payments segment EBITDA vs. core payments margin?
Intelligence segment key revenue drivers for 2026?
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Next Triumph Financial earnings date
Q1 202616 Apr, 2026
Triumph Financial
Next Triumph Financial earnings date
Q1 202616 Apr, 2026
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Frequently asked questions
Triumph Financial Inc is a financial holding company providing commercial finance and banking services through subsidiaries including Triumph Business Capital and TBK Bank. The company focuses on transportation factoring, equipment lending, treasury services, and community banking. It operates nationwide with a specialized focus on freight and logistics clients. Triumph Financial Inc is headquartered in Dallas, Texas, and its shares are listed on the NASDAQ.
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