TFIN (Triumph Financial) Scaled Net Operating Assets: 0.07 (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 Scaled Net Operating Assets?

Triumph Financial TFIN +0.05% 62 Scaled Net Operating Assets is 0.07 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Triumph Financial's operating assets for the quarter that ended in Mar. 2026 was $6,208.2 Mil. Triumph Financial's operating liabilities for the quarter that ended in Mar. 2026 was $5,782.9 Mil. Triumph Financial's Total Assets for the quarter that ended in Dec. 2025 was $6,380.6 Mil. Therefore, Triumph Financial's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.07.

TFIN
62GF Score
Triumph Financial Inc TFIN
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Triumph Financial Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Triumph Financial's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(6132.117-5045.947)/5948.975
=0.18

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=6380.588 - 248.471
=6132.117

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=5438.817 - 392.87 - 0
=5045.947

Triumph Financial's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(6208.231-5782.917)/6380.588
=0.07

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=6876.715 - 668.484
=6208.231

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=5926 - 143.083 - 0
=5782.917

* 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.

What does a Scaled Net Operating Assets of 0.07 mean?
Triumph Financial (TFIN) has a Scaled Net Operating Assets of 0.07 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Triumph Financial and its competitors.
Is Triumph Financial's Scaled Net Operating Assets too high?
Triumph Financial's current Scaled Net Operating Assets is 0.07. 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 Scaled Net Operating Assets compare to FSUN and CASH?
Triumph Financial's Scaled Net Operating Assets of 0.07 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Triumph Financial and its competitors. Triumph Financial's current Scaled Net Operating Assets is 0.07. 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 Scaled Net Operating Assets is 0.07. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Triumph Financial (TFIN), the current Scaled Net Operating Assets is 0.07 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:

  • Scaled Net Operating Assets: 0.07
  • 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

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$76.81
Price
$67.12
GF Value