Triumph Financial (TFIN) Investor presentation summary

Business overview and market position

• Operates as a financial and technology company focused on the U.S. freight and logistics industry, serving as the #2 transportation factor in North America with $11B in transportation accounts receivable purchased over the last 12 months.

• Market capitalization stands at $1.5B as of July 11, 2025, with trailing twelve-month revenue of $419MM and net income to common shareholders of $10.4MM.

• Provides a suite of integrated solutions: factoring, payments, audit, digital banking, and intelligence, creating a unique value chain and network effects for customers.

• Handles payments for over 400 freight brokers, including 41 of the top 100, and audits over half of the top 100 brokers, disbursing $155MM daily.

• Digital wallet LoadPay is rapidly growing, with 2,700+ accounts and instant funding capabilities, aiming to become the industry standard.

Growth strategy and technology investments

• Pursues growth through organic expansion, acquisitions, and Factoring-as-a-Service (FaaS), democratizing access to its platform and reinforcing its competitive edge.

• Technology investments have enabled scalable, repeatable transactions and high-margin monetization opportunities across the network.

• Intelligence offerings leverage $70B in annualized core transaction volume, providing predictive insights and tailored freight pricing models.

• Acquisitions such as greenscreens.ai and ISO enhance real-time pricing, performance benchmarking, and predictive analytics for logistics clients.

• Network effects multiply value for both customers and the company, driving efficiencies, fraud mitigation, and actionable insights.

Financial performance and operational metrics

• Achieves a 20% CAGR in invoice purchases since IPO, with portfolio turns of 10.4x annually and a yield on net funds employed of 15.4%.

• Monetizes freight transactions through multiple revenue streams: fee revenue, payment fees, financing revenue, subscription revenue, and spend revenue.

• Network engagement now covers over 63% of all brokered freight in domestic truckload, with significant scale in audit and payments.

• Long-term segment goals include SaaS-type gross margins (up to 90%) and high EBITDA margins (up to 50%) in intelligence and payments.

• Stable banking revenue with a short-duration loan book, where 70% of the portfolio turns in under one year.