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Triumph FinancialTFIN +0.92%63 Debt-to-Equity is 0.12 as of Jun. 2026, which is 78% below its 10-year median of 0.55. GuruFocus rates TFIN with a GF Score™ of 63/100 and a GF Value™ of $72.33 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,421 Banks companies, Triumph Financial ranks better than 85.57% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Triumph Financial's Debt-to-Equity or its related term are showing as below:
TFIN'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.12 Med: 0.55 Max: 1.66
Current: 0.12
During the past 13 years, the highest Debt-to-Equity Ratio of Triumph Financial was 1.66. The lowest was 0.12. And the median was 0.55.
TFIN's Debt-to-Equity is ranked better than 85.57% of 1421
companies
in the Banks industry
Industry Median: 0.57
vs TFIN: 0.12
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Triumph Financial Debt-to-Equity Related Terms
Triumph Financial Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Triumph Financial's Debt-to-Equity 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.
TFIN vs RBCAA, GABC, TCBK: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Triumph Financial's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Triumph Financial's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Triumph Financial's Debt-to-Equity falls into.
* 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 (TFIN) has a Debt-to-Equity of 0.12 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Triumph Financial and its competitors. This is 78% below median its historical median of 0.55. Over the past decade, Triumph Financial's Debt-to-Equity has ranged from 0.12 to 1.66. According to the industry distribution chart, Triumph Financial ranks #205 out of 1421 companies in the Banks industry, placing it in the top 14.4%.
Is Triumph Financial's Debt-to-Equity too high?
Triumph Financial's current Debt-to-Equity of 0.12 is 78% below median its 10-year median of 0.55. Over the past 10 years, this metric has ranged from a low of 0.12 to a high of 1.66. The Banks industry median Debt-to-Equity is 0.57. Triumph Financial's value of 0.12 is 78.9% below this industry median. Based on the distribution chart, Triumph Financial ranks #205 out of 1421 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Triumph Financial has a GF Score™ of 63/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Triumph Financial's Debt-to-Equity compare to RBCAA and GABC?
According to the Banks industry distribution chart, Triumph Financial ranks #205 out of 1421 companies for Debt-to-Equity. This places Triumph Financial in the top 14% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.57. Triumph Financial's value of 0.12 is 78.9% below this benchmark. Historically, Triumph Financial's own Debt-to-Equity has ranged from 0.12 to 1.66 over the past decade. While the company's 10-year median is 0.55 vs. the industry median of 0.57, Triumph Financial has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.57, based on 1,421 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Triumph Financial's current Debt-to-Equity of 0.12 is 78.9% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Triumph Financial and its competitors. For the Banks industry, the median Debt-to-Equity is 0.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Triumph Financial's current Debt-to-Equity is 0.12, which is 78% below median its own 10-year median of 0.55. 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 Fairly Valued. The stock's GF Value™ is $72.33, compared to a current price of $76.63 — trading 5.9% above its estimated fair value. The current Debt-to-Equity is 0.12, which is 78% below median its 10-year median of 0.55 and 78.9% below the Banks industry median of 0.57. Triumph Financial's overall GF Score™ is 63/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Triumph Financial (TFIN), the current Debt-to-Equity is 0.12 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 overvalued.
The current stock price of $76.63 is trading 5.9% above its estimated GF Value™ of $72.33.
GuruFocus considers Triumph Financial to be Fairly Valued.
Key valuation signals for TFIN:
Debt-to-Equity: 0.12 (78% below median its 10-year median of 0.55)
GF Value™: $72.33 vs. price of $76.63 (5.9% above fair value)
Industry Position: 78.9% below the Banks median (#205 of 1421)
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 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.
63GF Score
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