Triumph Financial (TFIN) Investor presentation summary

Business overview and market position

• Operates as a financial and technology company focused on the U.S. transportation industry, with a market cap of $1.1B as of October 2025 and $422MM in trailing twelve-month revenue ending September 2025.

• Provides a unified technology platform supporting freight and logistics through factoring, payments, intelligence, and digital banking solutions.

• Holds the #2 position in transportation factoring in North America, purchasing $11.3B in transportation accounts receivable over the last 12 months and achieving a 20% CAGR since IPO.

• Network includes 535 brokers, 57 factors, 75 shippers, and over 173,000 carriers, with a two-year revenue CAGR of 27.8%.

• Platform investments have enabled expansion into high-margin services, leveraging $70B in annual transactional data.

Product suite and value chain

• Offers five integrated solutions: audit, payments, liquidity (factoring and supply chain finance), digital banking, and intelligence.

• Audits over half of the top 100 brokers and handles payments for 43 of the top 100, disbursing over $166MM daily.

• Factoring business turns its portfolio about 10 times annually, with a 1.29% discount rate and $3B in purchases for 3Q25.

• Digital wallet LoadPay is rapidly growing, offering instant funding and generating significant per-account revenue.

• Intelligence products provide fraud protection, pricing, and performance insights powered by $70B in annualized transaction volume.

Growth, technology, and network effects

• Factoring-as-a-Service (FaaS) has become a scalable, monetizable asset, opening new growth channels.

• Transportation platform achieved a 102% revenue CAGR since 2019, with positive operating income and a 16.8% EBITDA margin as of 3Q25.

• Network effects drive value by enabling multiple monetizations of core transactions, increasing data depth, and creating defensible high-margin businesses.

• Payments network engagement now covers over 63% of all brokered freight in domestic truckload, with revenue growth YTD of 23.1%.

• Every network connection improves efficiency, fraud mitigation, and actionable insights for customers.