Triumph Financial, Inc. · NYSE:TFIN
Triumph Financial — Q3 2025 Earnings Presentation
25 slides from Triumph Financial's earnings presentation, Oct 16, 2025
Slide 1: Investor Deck
W E LC O M E TO T R I U M P H Investor Deck September 2025 NYSE: TFIN
Slide 2: Safe Harbor Statement
Safe Harbor Statement Forward-Looking Statements This presentation contains forward-looking statements. Any statements about our expectations, beliefs, plans, predictions, forecasts, objectives, assumptions or future events or performance are not historical facts and may be forward-looking. You can
Slide 3: Overview
Overview <t Triumph
Slide 4: Triumph Is a Financial and Technology Company
Triumph Is a Financial and Technology Company Serving the Transportation Industry As of Oct 13, 2025 Market Cap $1.1B 3Q25 TTM Revenue(1) $422MM Net Income 3Q25 TTM to Common Shareholders $6.8MM 1. Revenue defined as net interest income + noninterest income for the trailing twelve months (TTM) endin
Slide 5: Triumph Is Building Innovative Solutions To Support the U.S. Freight and Logistics Industry
Triumph Is Building Innovative Solutions To Support the U.S. Freight and Logistics Industry U.S. Freight and Liquidity Technology Logistics Industry Factoring Servicing $990B Gross freight revenue from U.S. trucking on primary shipments1 Connectivity Payments Automation Speed 3.7% Of U.S. GDP2 Densi
Slide 6: A Unique Value Chain Built on a Unified Technology Platform
A Unique Value Chain Built on a Unified Technology Platform Factoring Payments Intelligence #2 Transportation factor in the U.S. The only true Financial Network in Tiered subscription brokered freight ACV $43,000 Book turns ~10x annually Triumph Network includes Verified transaction data, 1.29% Disc
Slide 7: The Value Chain at Work in a Single Freight Transaction
The Value Chain at Work in a Single Freight Transaction Brokers + 4PLs $1,360 Factors A/R A/P A/R A/P $620 $450 Driver Wages Fuel Shippers $225 and Benefits $175 Spend $90 Truck Purchase/ Repairs, Other Carriers Lease Maintenance, Tires Spend A/P A/P1 A/R Fee Revenue Financing Revenue Float Revenue
Slide 8: One Industry. One Network. Five Solutions.
One Industry. One Network. Five Solutions. Each product in Triumph’s suite is a link in a unique value chain. Each product advances the next and generates virtuous momentum for Triumph and its customers. Audit Digital Banking+ Triumph audits over half of the top 100 A business bank account integrate
Slide 9: Factoring Payments Intelligence
Factoring Payments Intelligence
Slide 10: Triumph Is a Leading Factor and Continues To Grow
Triumph Is a Leading Factor and Continues To Grow #2 transportation factor in North America $11.3B in transportation accounts receivable purchased over last 12 months Per Invoice Fee1 ~1.29% Average Discount Rate Yield on NFE1,2 ~14.3% Portfolio Turn1 ~10x Annually 1. Data as of the quarter ending 0
Slide 11: Triumph Has Built a Technology Platform That Creates Momentum
Triumph Has Built a Technology Platform That Creates Momentum for Network Participants The barrier to scale a factoring business is high due to small invoice sizes. Those small, highly repeatable transactions opened the door for Triumph to lead in innovation.. Our investment and focus has created an
Slide 12: Factoring Payments Intelligence
Factoring Payments Intelligence
Slide 13: Transportation Platform Stands Out for Growth
Triumph's Transportation Platform Stands Out for Its Rapid Growth and Unique Positioning. 1st and only financial Network in brokered freight Positive operating income achieved 3Q2025 Trailing 24 Month Revenue CAGR1 27.8% Average Discount Rate EBITDA Margin1 16.8% Network Depth2 $114B 3Q2025 annualiz
Slide 14: The Reinforcing Value Chain Inside Payments
The Reinforcing Value Chain Inside Payments Audit ($30B) Digital Wallet LoadPay (4.4K Accts) gest Audit Lar Triumph audits over half of the top 100 Triumph’s new digital wallet is positioned brokers and more freight volume than any to rapidly become the industry standard known competitor. in transpo
Slide 15: Factoring Payments Intelligence
Factoring Payments Intelligence
Slide 16: Platform Investments Drove Expansion Into High Margin Services at Scale
Platform Investments Drove Expansion Into High Margin Services at Scale $70 Billion in Annual Transactional Data 16
Slide 17: Inside the Network, Every Connection Improves the Whole
Inside the Network, Every Connection Improves the Whole; Outcomes Multiply for Triumph and Its Customers Creating Value for Creating Value for Customers/Participants Triumph A purpose-built Network for US Network effects mitigate fraud surface transportation Monetize the core transaction numerous ti
Slide 18: Sustainable Business Practices
Sustainable Business Practices
Slide 19: Our Values
Our Values Unique is good Be wary of following the crowd. Being unique can be difficult, but if it were easy, everyone Invest for the future would do it. Mission is more than money Do not allow the immediate to crowd out Make everything you're involved in better. This the important. Success that end
Slide 20: Our Environmental Practices
Our Environmental Practices What We Believe What We Practice What We Monitor ✓ Preference for environmentally friendly products ✓ Leverage document and image We recognize that our activities may technology to reduce paper Limits set on concentrations of certain have an impact on our planet consumpti
Slide 21: Our Diversity
Our Diversity Women represent As of December 31, 2024 61% 63% 65% 33% The diversity of Triumph team of our overall of our non- of our of management, members is a tremendous asset. team members management management senior vice president team members team members and above We are committed to providi
Slide 22: Our Philanthropy
Our Philanthropy Major Charitable Initiatives In 2024, The Mission is More Than Money We focus on doing the most good in the areas of greatest need through our philanthropic endeavors. Below are four areas of focus used to guide 424 8,366 398 Triumph’s decision making around nonprofit partnerships,
Slide 23: Appendix
Appendix <t Triumph
Slide 24: Executive Team
Executive Team Aaron P. Graft Brad Voss Todd Ritterbusch Tim Valdez Kim Fisk Dawn Salvucci-Favier Founder, Vice EVP, President, Chairman, President, President, Chairman, and Chief Chief Financial Officer Payments & Banking Triumph Factoring Triumph Factoring Triumph Intelligence Executive Officer 6
Slide 25: Thank you!
Thank you!