Triumph Financial, Inc. · NYSE:TFIN
Triumph Financial — Q2 2025 Earnings Presentation
26 slides from Triumph Financial's earnings presentation, Jul 17, 2025
Slide 1: Investor Deck
W E LC O M E TO T R I U M P H Investor Deck July 2025 NASDAQ: 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 4 Triumph . “
Slide 4: Triumph is a Financial and Technology Company Serving the Transportation Industry
Triumph is a Financial and Technology Company Serving the Transportation Industry Nasdaq GS: TFIN Closing Price (USD) 07-Nov-2014 to 11-Jul-2025 (Daily) As of July 11, 2025 $160 Market Cap $140 $1.5B $120 $100 2Q25 TTM $80 Revenue(1) $60 $419MM $40 $20 Net Income 2Q25 TTM to Common $0 2014 2015 2016
Slide 5: Positioned to Win
Positioned to Win 4 Triumph . “
Slide 6: 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 7: Triumph is Staking Claim as the Leader in Technology and Outsized Growth Opportunity
Triumph is Staking Claim to the Mantle as the Leader in Technology and Outsized Growth Opportunity Factoring Payments Intelligence #2 Transportation factor in the U.S. The only true Network in Tiered subscription brokered freight Book turns 10.4x annually Verified transaction data, Network includes
Slide 8: How Triumph Monetizes a Single Freight Transaction
How Triumph Monetizes 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 Spend
Slide 9: 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 Triumph is not the biggest yet, but is
Slide 10: Factoring
Factoring Payments Intelligence
Slide 11: Triumph is a Leading Factor and Continues to Grow
Triumph is a Leading Factor and Continues to Grow #2 transportation 20% CAGR with significant scale factor in North Number of Invoices Purchased America YoY starting IPO 2014, to date 20251 8M $11B in transportation accounts receivable 7M purchased over last 12 months 6M 5M Per Invoice Fee1 ~1.37% A
Slide 12: The Technology Triumph Has Built Builds Business Momentum for Network Participants
The Technology Triumph Has Built and Continues To Invest in, Builds Business 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
Slide 13: Payments
Factoring Payments Intelligence
Slide 14: Payment Solutions at Scale Have Opened the Door to Revenue Opportunity
Payment Solutions at Scale Have Opened the Door to Revenue Opportunity Audit ($29B) Digital Wallet LoadPay (2.7K Accts) 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
Slide 15: Intelligence
Factoring Payments Intelligence
Slide 16: Intelligence is Incredibly Scalable
Intelligence is Incredibly Scalable Triumph Intelligence returns verified and curated data back to Network participants, enhancing each participants ability to confidently buy or sell freight transactions. Intelligence Audit $70B Triumph Intelligence uses the data in annual, collected from its produ
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 payments and information network for US surface transportation Network effects mitigate fraud Monetize the cor
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 4 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: Acquisitions: The Initial Core of Triumph's Intelligence Offering
Acquisitions: The Initial Core of Triumph's Intelligence Offering Greenscreens helps logistics companies make better, data- ISO is logistics performance intelligence platform designed to backed, AI-driven pricing decisions—boosting competitiveness and help shippers, brokers, and carriers better unde
Slide 26: Thank you!
Thank you! a