Triumph FinancialTFIN +0.05%62 Pretax Margin % is 7.78% as of Mar. 2026, which is 70% below its 10-year median of 25.75. 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. Among 1,527 Banks companies, Triumph Financial ranks worse than 90.83% on this metric.
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Triumph Financial Pretax Margin % Related Terms
Triumph Financial Pretax Margin % Historical Data
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The historical data trend for Triumph Financial's Pretax Margin % 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 FSUN, CASH, DCOM: Pretax Margin % Comparison
For the Banks - Regional subindustry, Triumph Financial's Pretax Margin %, along with its competitors' market caps and Pretax Margin % 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Triumph Financial's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Triumph Financial's Pretax Margin % 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 Pretax Margin % of 7.78% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Triumph Financial and its competitors. This is 70% below median its historical median of 25.75. Over the past decade, Triumph Financial's Pretax Margin % has ranged from 4.93 to 34.82. According to the industry distribution chart, Triumph Financial ranks #1387 out of 1527 companies in the Banks industry, placing it in the top 90.8%.
Is Triumph Financial's Pretax Margin % too high?
Triumph Financial's current Pretax Margin % of 7.78% is 70% below median its 10-year median of 25.75. Over the past 10 years, this metric has ranged from a low of 4.93 to a high of 34.82. The Banks industry median Pretax Margin % is 34.88. Triumph Financial's value of 7.78% is 77.7% below this industry median. Based on the distribution chart, Triumph Financial ranks #1387 out of 1527 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Pretax Margin % compare to FSUN and CASH?
According to the Banks industry distribution chart, Triumph Financial ranks #1387 out of 1527 companies for Pretax Margin %. This places Triumph Financial in the lower half of its industry. The industry median Pretax Margin % is 34.88. Triumph Financial's value of 7.78% is 77.7% below this benchmark. Historically, Triumph Financial's own Pretax Margin % has ranged from 4.93 to 34.82 over the past decade. While the company's 10-year median is 25.75 vs. the industry median of 34.88, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.88, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Triumph Financial's current Pretax Margin % of 7.78% is 77.7% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Triumph Financial and its competitors. For the Banks industry, the median Pretax Margin % is 34.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Triumph Financial's current Pretax Margin % is 7.78%, which is 70% below median its own 10-year median of 25.75. 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 Pretax Margin % is 7.78%, which is 70% below median its 10-year median of 25.75 and 77.7% below the Banks industry median of 34.88. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Triumph Financial (TFIN), the current Pretax Margin % is 7.78% 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:
Pretax Margin %: 7.78% (70% below median its 10-year median of 25.75)
GF Value™: $67.12 vs. price of $76.81 (14.4% above fair value)
Industry Position: 77.7% below the Banks median (#1387 of 1527)
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.
62GF Score
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