---
schema_version: "secwatch.filing_event.v1"
accession: "0001628280-24-042922"
form_type: "8-K"
ticker: "TFIN"
cik: "0001539638"
company_name: "Triumph Financial, Inc."
filed_at: "2024-10-16T23:59:59+00:00"
generated_at: "2026-05-30T13:40:57.615153+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Triumph Financial Q3 net income $4.5M ($0.19 EPS); TriumphPay returns to positive EBITDA

## Summary
- Net income to common stockholders of $4.5M ($0.19 diluted EPS) vs $0.51 in Q3 2023; revenue growth in Payments segment.
- TriumphPay returned to positive EBITDA margin despite freight recession; expenses under $97M target for Q3.
- LoadPay and Factoring as a Service (FaaS) launched with C.H. Robinson; expected to scale in Q4.
- Year-to-date credit loss expense $14.3M; non-performing assets to total assets at 2.07% vs 1.07% a year ago.
- Total payment volume in Payments segment up 33.1% YoY to $7.09B; network volume decreased 5.7% QoQ.

## SEC filing metadata
- accession: 0001628280-24-042922
- form_type: 8-K
- ticker: TFIN
- cik: 0001539638
- company_name: Triumph Financial, Inc.
- filed_at: 2024-10-16T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1539638/000162828024042922/0001628280-24-042922-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1539638/000162828024042922/tfin-20241016.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-24-042922
- JSON: https://secwatch.observer/filing/0001628280-24-042922.json
- Plain text: https://secwatch.observer/filing/0001628280-24-042922.txt

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