TFIN (Triumph Financial) LT-Debt-to-Total-Asset: 0.02 (As of Mar. 2026)

What is Triumph Financial LT-Debt-to-Total-Asset?

Triumph Financial TFIN +0.85% 62 LT-Debt-to-Total-Asset is 0.02 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.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Triumph Financial's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.02.

Triumph Financial's long-term debt to total assets ratio declined from Mar. 2025 (0.05) to Mar. 2026 (0.02). It may suggest that Triumph Financial is progressively becoming less dependent on debt to grow their business.

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

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Triumph Financial LT-Debt-to-Total-Asset Related Terms

Triumph Financial LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Triumph Financial's LT-Debt-to-Total-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 LT-Debt-to-Total-Asset Chart

Triumph Financial Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.06

0.03

0.08

0.02

0.06

Triumph Financial Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.05	0.05	0.06	0.06	0.02

62GF Score

Triumph Financial Inc TFIN

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Triumph Financial LT-Debt-to-Total-Asset Calculation

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

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	392.87	/	6380.588
	=	0.06

Triumph Financial's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	143.083	/	6876.715
	=	0.02

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.02 mean?

Triumph Financial (TFIN) has a LT-Debt-to-Total-Asset of 0.02 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Triumph Financial and its competitors.

Is Triumph Financial's LT-Debt-to-Total-Asset too high?

Triumph Financial's current LT-Debt-to-Total-Asset is 0.02. 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 LT-Debt-to-Total-Asset compare to CASH and DCOM?

Triumph Financial's LT-Debt-to-Total-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 LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Triumph Financial and its competitors. Triumph Financial's current LT-Debt-to-Total-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 Overvalued. The stock's GF Value™ is $67.12, compared to a current price of $76.31 — trading 13.7% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.02. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Triumph Financial (TFIN), the current LT-Debt-to-Total-Asset is 0.02 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 $76.31 is trading 13.7% above its estimated GF Value™ of $67.12. GuruFocus considers Triumph Financial to be Modestly Overvalued.

Key valuation signals for TFIN:

LT-Debt-to-Total-Asset: 0.02
GF Value™: $67.12 vs. price of $76.31 (13.7% 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

Industry Financial Services Banks

Comparable Companies CASH DCOM FSUN GABC STBA CHCO RBCAA LOB HOPE TCBK SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Other Exchanges TFINp.PFD:USA 2THA:Germany

Address 12700 Park Central Drive, Suite 1700, Dallas, TX, USA, 75251

Website https://www.triumph.io

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

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$76.31

Price

$67.12

GF Value

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