TFIN (Triumph Financial) E10: $2.56 (As of Mar. 2026)


TFIN Triumph Financial Inc TFIN
62 GF Score
Price $76.81
GF Value $67.12
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Triumph Financial E10?

Triumph Financial TFIN +0.05% 62 E10 is $2.56 as of Mar. 2026. GuruFocus rates TFIN with a GF Score™ of 62/100 and a GF Value™ of $67.12 (Modestly Overvalued). The stock has 4 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Triumph Financial's adjusted earnings per share data for the three months ended in Mar. 2026 was $0.230. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $2.56 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Triumph Financial's average E10 Growth Rate was 2.00% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

As of today (2026-06-27), Triumph Financial's current stock price is $76.81. Triumph Financial's E10 for the quarter that ended in Mar. 2026 was $2.56. Triumph Financial's Shiller PE Ratio of today is 30.00.

During the past 13 years, the highest Shiller PE Ratio of Triumph Financial was 41.51. The lowest was 18.75. And the median was 25.96.


Triumph Financial  (NYSE:TFIN) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Triumph Financial's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=76.81/2.56
=30.00

* 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.

During the past 13 years, the highest Shiller P/E Ratio of Triumph Financial was 41.51. The lowest was 18.75. And the median was 25.96.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Triumph Financial E10 Related Terms


Triumph Financial E10 Historical Data

* Premium members only.

The historical data trend for Triumph Financial's E10 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 E10 Chart

Triumph Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 2.58 2.58 2.52

Triumph Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 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 2.51 2.51 2.49 2.52 2.56

TFIN vs FSUN, CASH, DCOM: E10 Comparison

For the Banks - Regional subindustry, Triumph Financial's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Triumph Financial's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Triumph Financial's Shiller PE Ratio falls into.


TFIN
62GF Score
Triumph Financial Inc TFIN
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Triumph Financial E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Triumph Financial's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.23/330.2130*330.2130
=0.230

Current CPI (Mar. 2026) = 330.2130.

Triumph Financial Quarterly Data

per share eps CPI Adj_EPS
201606 0.250 241.018 0.343
201609 0.250 241.428 0.342
201612 0.330 241.432 0.451
201703 0.550 243.801 0.745
201706 0.510 244.955 0.688
201709 0.470 246.819 0.629
201712 0.290 246.524 0.388
201803 0.560 249.554 0.741
201806 0.470 251.989 0.616
201809 0.340 252.439 0.445
201812 0.670 251.233 0.881
201903 0.550 254.202 0.714
201906 0.480 256.143 0.619
201909 0.560 256.759 0.720
201912 0.660 256.974 0.848
202003 -0.180 258.115 -0.230
202006 0.560 257.797 0.717
202009 0.890 260.280 1.129
202012 1.250 260.474 1.585
202103 1.320 264.877 1.646
202106 1.080 271.696 1.313
202109 0.940 274.310 1.132
202112 1.020 278.802 1.208
202203 0.930 287.504 1.068
202206 1.740 296.311 1.939
202209 0.620 296.808 0.690
202212 0.670 296.797 0.745
202303 0.430 301.836 0.470
202306 0.290 305.109 0.314
202309 0.510 307.789 0.547
202312 0.370 306.746 0.398
202403 0.140 312.332 0.148
202406 0.080 314.175 0.084
202409 0.190 315.301 0.199
202412 0.130 315.605 0.136
202503 -0.030 319.799 -0.031
202506 0.150 322.561 0.154
202509 0.040 324.800 0.041
202512 0.770 324.054 0.785
202603 0.230 330.213 0.230

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $2.56 mean?
Triumph Financial (TFIN) has a E10 of $2.56 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Triumph Financial and its competitors.
Is Triumph Financial's E10 too high?
Triumph Financial's current E10 is $2.56. Overall, Triumph Financial has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Triumph Financial's E10 compare to FSUN and CASH?
Triumph Financial's E10 of $2.56 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Triumph Financial and its competitors. Triumph Financial's current E10 is $2.56. 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 Overvalued. The stock's GF Value™ is $67.12, compared to a current price of $76.81 — trading 14.4% above its estimated fair value. The current E10 is $2.56. Triumph Financial's overall GF Score™ is 62/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Triumph Financial (TFIN), the current E10 is $2.56 as of Mar. 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 $76.81 is trading 14.4% above its estimated GF Value™ of $67.12. GuruFocus considers Triumph Financial to be Modestly Overvalued.

Key valuation signals for TFIN:

  • E10: $2.56
  • GF Value™: $67.12 vs. price of $76.81 (14.4% above fair value)
  • GF Score™: 62/100 with 4 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.
62GF Score

Get the complete analysis for TFIN

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$76.81
Price
$67.12
GF Value