C

Triumph Financial, Inc. — Earnings Quality Grade C

TFIN · Financial Services

Some red flags

Revenue
$424M
2025
Net Income
$25M
2025
Gross Margin
Free Cash Flow
$31M
01

Screening Summary

5
Passed
4
Watch
1
Failed
M-Score

管理层信号

最近 SEC 8-K 文件中未发现 CEO、CFO、董事会或审计负责人变动信号。
02

Financial Trends

Revenue & Net Income ($B)

Margins (%)

03

18-Point Screening

01

Revenue Quality

A1DSO Change

Insufficient data

A2AR vs Revenue Growth

Insufficient data

A3Revenue vs CFFO

Revenue 2.0%, CFFO 14.6%. Cash follows revenue

02

Expense Quality

B1Inventory vs COGS

No material inventory

B2CapEx vs Revenue

CapEx growth -59.0% vs revenue 2.0%. Normal

B3SG&A Ratio

Insufficient data

B4Gross Margin

Insufficient data

03

Cash Flow Quality

C1CFFO vs Net Income

CFFO/NI = 2.64. Profits backed by cash

C2Free Cash Flow

FCF < 50% of Net Income for 2 years

C3Accruals Ratio

Accruals ratio = -0.7%. Low accruals

!
C4Cash vs Debt

Cash $0.2B covers 63% of debt $0.4B

04

Balance Sheet Health

!
D1Goodwill + Intangibles

Goodwill+Intangibles $0.4B = 48% of equity

D2Leverage

Insufficient data

D3Soft Asset Growth

Insufficient data

D4Asset Impairment

No write-off data

05

Acquisition Risk

!
E1Serial Acquirer FCF

FCF after acquisitions negative for 2/3 years

!
E2Goodwill Surge

Goodwill+Intangibles surged 52% YoY

06

Manipulation Score

F1Beneish M-Score

Insufficient data

持仓监控

把 TFIN 放进持续监控

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Altman Z-Score — Not Applicable

Triumph Financial, Inc. is a financial company. Z-Score is designed for non-financial companies.

Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25