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Investing.com - Triumph Financial (NASDAQ:TFIN), currently trading at $63.58 and valued at $1.5 billion by market cap, reported a "noisy" second quarter according to Raymond (NSE:RYMD) James, which maintained its Market Perform rating on the stock. According to InvestingPro analysis, the stock appears overvalued at current levels.
The financial services company’s quarter was complicated by the closing of its Greenscreens acquisition and a full recovery of 5-year NPA receivables from the USPS, Raymond James noted in its analysis of the Q2 2025 results.
In Triumph’s factoring segment, the average invoice size fell $115 quarter-over-quarter to $1,693, reaching its lowest level in five years, though this was offset by a 13.4% increase in invoice purchases, potentially driven by its factoring-as-a-service offering.
The company’s TPAY segment showed strong performance with LoadPay account growth significantly exceeding expectations, reaching 2,367 accounts by the end of Q2 2025, while posting an approximately 14% EBITDA margin.
Triumph Financial guided for $104 million in third-quarter noninterest expenses, which will include about one month of incremental expenses related to the Greenscreens acquisition that closed on May 8, as the company continues to navigate a depressed freight market.
In other recent news, Triumph Financial reported its first-quarter 2025 earnings, revealing earnings per share of $0.04, which aligned with analysts’ expectations. However, the company’s revenue of $101.57 million fell short of the anticipated $104.49 million. This revenue miss is significant, as Triumph Bancorp has generally met or exceeded expectations in previous quarters. Triumph Financial’s recent acquisition of Greenscreens is expected to enhance its data capabilities, with potential benefits projected for late 2025 and 2026. Meanwhile, the company’s Payments segment has shown promise, with fees increasing by 12-13%, despite challenges in the transportation sector affecting overall performance. Analysts from DA Davidson and KBW have both reduced the stock’s price target to $56, citing factors such as lower net interest income and slowing Payments revenue growth. Despite these challenges, analysts express optimism about future revenue growth, particularly in the second half of 2025, as Triumph Financial focuses on monetizing its investments and strategic acquisitions. The company’s strategic pivot aims to reinvigorate revenue growth amid current economic uncertainties.
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