TFIN (Triumph Financial) Debt-to-Asset : 0.02 (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

TFIN Triumph Financial Inc TFIN
64 GF Score
Price $62.85
GF Value $74.91
Valuation Modestly Undervalued
! 2 Warning Signs
View Full Analysis

What is Triumph Financial Debt-to-Asset?

Triumph Financial TFIN -0.27% 64 Debt-to-Asset is 0.02 as of Jun. 2026. GuruFocus rates TFIN with a GF Score™ of 64/100 and a GF Value™ of $74.91 (Modestly Undervalued). The stock has 2 warning signs investors should review.

Triumph Financial's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was $0.0 Mil. Triumph Financial's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was $113.3 Mil. Triumph Financial's Long-Term Debt & Capital Lease ObligationTotal Assets for the quarter that ended in Jun. 2026 was $7,403.7 Mil. Triumph Financial's debt to asset for the quarter that ended in Jun. 2026 was 0.02.

Triumph Financial  (NYSE:TFIN) Debt-to-Asset Explanation

In the calculation of Debt-to-Asset, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Assets.

Triumph Financial Debt-to-Asset Related Terms

Triumph Financial Debt-to-Asset Historical Data

* Premium members only.

The historical data trend for Triumph Financial's Debt-to-Asset can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Triumph Financial Debt-to-Asset Chart

Triumph Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.07 0.04 0.08 0.03 0.07

Triumph Financial Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Debt-to-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.05 0.06 0.07 0.02 0.02

TFIN vs TCBK, BY, BFC: Debt-to-Asset Comparison

For the Banks - Regional subindustry, Triumph Financial's Debt-to-Asset, along with its competitors' market caps and Debt-to-Asset data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Triumph Financial Debt-to-Asset vs Banks Industry

For the Banks industry and Financial Services sector, Triumph Financial's Debt-to-Asset distribution charts can be found below:

* The bar in red indicates where Triumph Financial's Debt-to-Asset falls into.


TFIN
64GF Score
Triumph Financial Inc TFIN
Debt-to-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Triumph Financial Debt-to-Asset Calculation

Debt to Asset measures the financial leverage a company has.

Triumph Financial's Debt-to-Asset for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(256.405 + 161.52) / 6380.588
=0.07

Triumph Financial's Debt-to-Asset for the quarter that ended in Jun. 2026 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 113.3) / 7403.685
=0.02

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about Debt-to-Asset →
What does a Debt-to-Asset of 0.02 mean?
Triumph Financial (TFIN) has a Debt-to-Asset of 0.02 as of Jun. 2026. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Triumph Financial and its competitors.
Is Triumph Financial's Debt-to-Asset too high?
Triumph Financial's current Debt-to-Asset is 0.02. Overall, Triumph Financial has a GF Score™ of 64/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Triumph Financial's Debt-to-Asset compare to TCBK and BY?
Triumph Financial's Debt-to-Asset of 0.02 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Asset for a Banks company?
A good Debt-to-Asset depends on the Banks industry context. However, Debt-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Asset mean?
A high Debt-to-Asset can signal that a stock is expensive relative to its fundamentals. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Triumph Financial and its competitors. Triumph Financial's current Debt-to-Asset is 0.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Triumph Financial stock overvalued right now?
Based on GuruFocus' analysis, Triumph Financial (TFIN) is currently considered Modestly Undervalued. The stock's GF Value™ is $74.91, compared to a current price of $62.85 — trading 16.1% below its estimated fair value. The current Debt-to-Asset is 0.02. Triumph Financial's overall GF Score™ is 64/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Asset calculated?
Debt-to-Asset is calculated from a company's financial statements. For Triumph Financial (TFIN), the current Debt-to-Asset is 0.02 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Triumph Financial (TFIN) Overvalued in 2026?

Based on GuruFocus' analysis, Triumph Financial stock appears to be undervalued. The current stock price of $62.85 is trading 16.1% below its estimated GF Value™ of $74.91. GuruFocus considers Triumph Financial to be Modestly Undervalued.

Key valuation signals for TFIN:

  • Debt-to-Asset: 0.02
  • GF Value™: $74.91 vs. price of $62.85 (16.1% below fair value)
  • GF Score™: 64/100 with 2 warning signs

No single metric tells the full story. See the TFIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Triumph Financial Business Description

Other Exchanges TFINp.PFD:USA2THA:Germany
Address 12700 Park Central Drive, Suite 1700, Dallas, TX, USA, 75251
Triumph Financial Inc is a financial holding company based in the United States. Along with its subsidiaries, the company operates in four reportable segments: Banking, Factoring, Payments, and Intelligence. The Banking segment, which generates maximum revenue, includes the operations of TBK Bank, offering traditional banking services. The Factoring segment provides working capital solutions to the trucking industry through the purchase of invoices generated by carriers at a discount. The Payments segment provides payment, audit, and other banking services for the over-the-road trucking industry, and the Intelligence segment operates to turn the over-the-road trucking data collected through the services offered into actionable insights for its customers.
64GF Score

Get the complete analysis for TFIN

Debt-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$62.85
Price
$74.91
GF Value