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Mar 31
Triumph Financial Q1 2025 Earnings Report
Triumph Financial reported a net loss for Q1 2025 driven by strategic investments, despite strong growth in Network engagement.
Key Takeaways
Triumph Financial recorded a net loss of $784,000 in Q1 2025, or $(0.03) per diluted share, impacted by nearly $3 million in non-core expenses. Revenue reached $102.3 million. Key initiatives such as LoadPay and Factoring-as-a-Service are in the final stages of rollout and expected to contribute more materially in the second half.
Recorded $(0.8M) net loss due to ongoing investment in strategic initiatives.
Network engagement surpassed 50% of all truckload brokered freight.
Payments volume rose 15.1% QoQ to $8.78B; factoring volume hit $2.7B.
Greenscreens acquisition to close in Q2, expected to enhance Intelligence segment margins.
Triumph Financial
Triumph Financial
Triumph Financial Revenue by Segment
Triumph Financial Revenue by Geographic Location
Revenue by Segment
Banking Revenue
CapyFin.comFactoring Revenue
CapyFin.comPayments Revenue
CapyFin.comIntelligence Revenue
CapyFin.comRevenue by Geographic Location
United States Revenue
CapyFin.com Forward Guidance
Triumph expects revenue and margin growth to accelerate in the second half of 2025, driven by full rollout of LoadPay and FaaS, and the Greenscreens integration.
Positive Outlook
- Expected closing of Greenscreens acquisition in Q2.
- Network density is growing and surpassed 50%.
- LoadPay and FaaS products transitioning from beta to full release.
- New monetization strategies to be deployed for Payments services.
- LoadPay user base expanding faster than projected.
Challenges Ahead
- Freight market remains in prolonged downcycle.
- Non-core expenses pressured profitability in Q1.
- Factoring margins affected by client mix and A/R turns.
- Q2 may reflect noise due to M&A and limited product releases.
- Macro uncertainties including trade policy and potential recession continue to weigh on outlook.