---
schema_version: "secwatch.filing_event.v1"
accession: "0001539638-26-000028"
form_type: "8-K"
ticker: "TFIN"
cik: "0001539638"
company_name: "Triumph Financial, Inc."
filed_at: "2026-07-21T20:13:52+00:00"
generated_at: "2026-07-21T20:15:23.705222+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Triumph Financial Q2 2026 EPS $0.44; Factoring volume up 43% YoY; invoice prices surge

## Summary
- Net income $10.6M ($0.44 diluted EPS); non-core items reduced EPS by $0.13; efficiency initiatives ongoing.
- Factoring purchased volume $4.1B (+43% YoY); avg invoice $2,160 (+30% YoY); operating margin 39.4% near target.
- Payments revenue $22.3M (+29% YoY); EBITDA margin 25.7% (ex-LoadPay 34.0%); LoadPay accounts exceed 10,000.
- Intelligence revenue flat at $2.4M QoQ; gross margin 84.7%; new products and freight indices launched.
- Management sees structural freight market shift; $100 invoice price change impacts pretax income ~$7M annually.

## SEC filing metadata
- accession: 0001539638-26-000028
- form_type: 8-K
- ticker: TFIN
- cik: 0001539638
- company_name: Triumph Financial, Inc.
- filed_at: 2026-07-21T20:13:52+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1539638/000153963826000028/0001539638-26-000028-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1539638/000153963826000028/tfin-20260721.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001539638-26-000028
- JSON: https://secwatch.observer/filing/0001539638-26-000028.json
- Plain text: https://secwatch.observer/filing/0001539638-26-000028.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.