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Dec 31, 2025
Triumph Financial Q4 2025 Earnings Report
Triumph Financial reported improved profitability and segment growth in Q4 2025.
Key Takeaways
Triumph Financial delivered strong earnings in Q4 2025, boosted by strategic asset sales and operational efficiency gains. Factoring and Payments segments experienced revenue growth, while the Intelligence segment remained flat. The company also benefited from a significant credit recovery.
Net income reached $18.4 million, supported by $14.3 million in gains from asset sales.
Payments revenue grew to $18.6 million, with EBITDA margin improving to 16.9%.
Factoring revenue increased 5.8% quarter-over-quarter with a 32.6% operating margin.
Credit loss expense showed a net benefit of $1.8 million due to a $9.5 million recovery.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
Triumph expects continued margin expansion and double-digit growth in key segments for 2026, driven by customer acquisition and platform improvements.
Positive Outlook
- Expecting 5%+ revenue growth in Payments for Q1 2026.
- EBITDA margin (ex-LoadPay) projected to exceed 30%.
- 20% transportation revenue growth targeted over the next 4 quarters.
- Expense reductions exceeding $30 million annually planned by Q1 end.
- Continued expansion of LoadPay and new product monetization.
Challenges Ahead
- Seasonality may impact quarterly revenue performance.
- Ongoing liquidation of ABL and liquid credit portfolios will drag earnings.
- Regulatory changes in CDL enforcement may disrupt freight markets.
- Interest rate volatility may negatively impact banking income.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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