Triumph Financial, Inc. cash flow to debt ratio of 17.07% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Triumph Financial, Inc.'s free cash flow has increased -277.05% from $-28.59M last year to $50.62M, signaling increasing performance

Triumph Financial, Inc.'s debt to equity ratio is 0.12, which means that the company's assets are healthy financed, signaling financial stability.

Triumph Financial, Inc.'s debt has decreased relative to shareholder equity from 0.16 last year to 0.12 today, signaling strengthened financials

Triumph Financial, Inc. has a net cash position, so leverage is healthy.

Triumph Financial, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Triumph Financial, Inc.'s profit margin has increased (143.91%) in the last year from 3.30% to 8.05%, signaling increasing performance

Triumph Financial, Inc.'s short-term liabilities of $4.95B exceed its short-term assets of $612.75M, signaling financial risk

Triumph Financial, Inc.'s return on assets of 0.52% is lower than the 5.00% threshold, indicating inefficient asset utilization

Triumph Financial, Inc.'s return on equity of 4.09%, is lower than 15.00%, indicating bad performance

Triumph Financial, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Triumph Financial, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Triumph Financial, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Triumph Financial, Inc. has a free cash flow yield of 2.81%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Triumph Financial, Inc.'s yearly earnings has increased 57.61% since last year from $16.09M to $25.36M, signaling increasing performance

Triumph Financial, Inc.'s yearly revenue has decreased 100.00% since last year from $487.63M to $0.00, signaling decreasing performance

ROIC 4.87% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Triumph Financial, Inc.'s 3-year revenue CAGR of 0.86% is positive, indicating growing revenue over the past 3 years

Triumph Financial, Inc. had revenue growth in 4 out of 5 years, indicating consistent revenue performance

Triumph Financial, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Triumph Financial, Inc. is overvalued relative to its fair value price of 27.43 based on Discounted Cash Flow model

Triumph Financial, Inc. has an earnings yield of 2.15%, which is below the 4.00% threshold, indicating the stock may be expensive relative to its earnings

Triumph Financial, Inc. is overvalued relative to its fair value price of 24.53 based on EBITDA multiple model

Triumph Financial, Inc. has an EV/EBITDA ratio of 33.00x, which exceeds the 20.00x threshold, indicating the stock may be overvalued relative to its operating earnings

Triumph Financial, Inc. is overvalued relative to its fair value price of 41.35 based on Earnings Fair Value model

Triumph Financial, Inc.'s earnings growth over the measurement period is negative; the PEG ratio is not meaningful and the check fails.

Triumph Financial, Inc. has a price-to-book ratio of 1.87x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Triumph Financial, Inc. has a price-to-sales ratio of 3.74x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue