TFIN Earnings Prediction
The chart below shows how TFIN performed 10 days before and after its earnings report, based on data from the past quarters. Typically, TFIN sees a -1.58% change in stock price 10 days leading up to the earnings, and a +0.79% change 10 days following the report. On the earnings day itself, the stock moves by -1.11%. This data can give you a slight idea of what to expect for the next quarter's release.
TFIN Key Earning Data
2024/Q4
Year Over Year
Quarter Over Quarter
Total Revenue
101.82M
-3.34%
-1.68%
Gross Margin
--
--
--
Operating Margin
5.73%
-52.53%
-5.60%
Net Margin
3.77%
-58.75%
-26.94%
EPS
0.13
-65.79%
-31.58%
No Data Available
TFIN Earnings Analysis
Triumph Financial Inc Corporation (TFIN.O) Earnings Conference Call
Positive
Market Share Expansion: Eclipsed 50% market share in brokered freight transactions, setting a new target of 60-65% for the end of the year.
Total Payments Milestone: Achieved over $100 billion in total payments since the inception of the payment segment, marking a significant milestone.
Improving EBITDA Margin: EBITDA margin continues to improve despite ongoing investments in technology and infrastructure, indicating operational efficiency.
High Margin Intelligence Segment: The intelligence segment is expected to generate over 90% gross margin, leveraging existing data without additional costs.
Factoring as a Service Growth: Factoring as a Service (FaaS) is anticipated to drive significant revenue growth as new partnerships are established, with C.H. Robinson leading the way.
Negative
Operating Expenses Outlook: Operating expenses are projected to increase modestly in 2025, with non-interest expenses expected to rise from $99 million, primarily due to compensation resets and inflation in healthcare costs, indicating potential pressure on margins.
Decline in Client Applications: Despite efforts to grow market share in the factoring business, applications for new clients dropped significantly to 2,835 in 2024 from over 10,000 in previous years, reflecting a challenging market environment and reduced demand.
Intelligence Segment Revenue Outlook: The intelligence segment is expected to generate less than $1 million in revenue in 2024, with meaningful growth not anticipated until late 2026, indicating slow monetization of this new initiative.
Network Transaction Value Reassessment: The company has acknowledged that the value of network transactions is not as high as previously anticipated, leading to a reassessment of revenue expectations from this segment.
Early Stage Product Rollout: The factoring as a service product is still in early stages, with no additional announcements expected in the near term, suggesting a slow rollout and limited immediate revenue impact.
TFIN FAQs
How does TFIN typically perform around its earnings report dates?
Is Earnings call transcript: Triumph Bancorp misses Q4 2024 earnings expectations positive or negative?
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TFIN Earning Call Sentiment
Earnings call transcript: Triumph Bancorp misses Q4 2024 earnings expectations
TFIN.O
2.16%Positive
The earnings call reveals strong financial performance, with significant revenue growth in TriumphPay and a strategic partnership with C.H. Robinson. Despite some risks, such as regulatory compliance and technological adaptation, the company's focus on technology integration and market expansion is promising. The Q&A section highlights management's optimism and strategic initiatives, though some responses were vague. The shareholder return plan and revenue growth expectations, particularly in the Load Pay program, are positive indicators. Given the company's market cap, the stock is likely to see a positive movement of 2% to 8%.
