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Sep 30
Triumph Financial Q3 2025 Earnings Report
Triumph Financial reported a slight profit in Q3 2025, supported by revenue gains in payments and effective expense reductions.
Key Takeaways
Triumph Financial achieved a modest net income of $907,000 in Q3 2025. Strong performance in its Payments segment, including positive pretax operating income and higher engagement, offset headwinds in other areas. Strategic cost-cutting initiatives reduced adjusted expenses, and the company announced a $30 million share repurchase program, highlighting confidence in its long-term strategy.
Net income to common stockholders was $907,000, or $0.04 per diluted share
Payments segment delivered its first positive pretax operating income with 7.4% revenue growth
Adjusted total transportation revenue reached $59.3 million
A $30 million share repurchase program was authorized
Triumph Financial
Triumph Financial
Triumph Financial Revenue by Segment
Triumph Financial Revenue by Geographic Location
Revenue by Segment
Factoring Revenue
CapyFin.comPayments Revenue
CapyFin.comIntelligence Revenue
CapyFin.comRevenue by Geographic Location
United States Revenue
CapyFin.com Forward Guidance
Triumph projects further expense reductions and margin expansion in Q4 2025, driven by AI efficiency gains and ongoing repricing initiatives in Payments.
Positive Outlook
- Projected 4Q noninterest expenses to decline to $96.5 million
- 90% of Q3 expense savings already reflected in run rate entering Q4
- Repricing initiatives in Payments expected to boost revenue further in Q4 and accelerate in 1Q 2026
- LoadPay expected to reach 5,000–10,000 accounts opened by year-end
- Continued investment in AI to improve operational efficiency
Challenges Ahead
- Ongoing credit exposure to Tricolor bankruptcy
- Flat revenue in Intelligence due to post-acquisition integration delays
- Factoring invoice size remains below prior year
- Freight market continues to face overcapacity and weak pricing
- Full benefit of cost savings won't be fully realized until Q4