Discounted Cash Flow

Triumph Financial, Inc.

TFIN · Based on 10 years of SEC filings

DCF estimate unavailable — No positive free cash flow in recent history — company has not generated positive FCF

Average annual growth rates

Metric 10-Year 5-Year 3-Year
Sales
Free Cash Flow
Average (FCF & NI)
Net Income
Dividends

Average annual growth is the mean year-over-year change across each period.

Endpoint CAGR (better for long term trend)

Metric 10-Year 5-Year 3-Year
Sales
Free Cash Flow
Average (FCF & NI)
Net Income

Endpoint CAGR is the compound annual rate from the first to last year in each period.

Projections use average year-over-year growth. Change this in Settings.

Projected growth rate

Free cash flow growth
10-year: — 5-year: — 3-year: —
Averaged growth (FCF & NI)
10-year: — 5-year: — 3-year: —
Net income growth
10-year: — 5-year: — 3-year: —
Sales growth (not added to calculations)
10-year: — 5-year: — 3-year: —

Click a greyed-out slider to switch metrics. Slide between the 10-year, 5-year, and 3-year historic growth rates for FCF, net income, or their average.

%
%

Historical inputs (10 fiscal years)

YEAR Sales Net Income Free Cash Flow Net Margin EPS (diluted)
2016 $112.4m $20.7m $26.7m 18.4% $1.11
2017 $155.7m (38.6%) $36.2m (75.0%) $39.3m (47.5%) 23.3% (26.3%) $1.85 (66.7%)
2018 $227.1m (45.8%) $51.7m (42.8%) $55.1m (40.0%) 22.8% (-2.1%) $2.06 (11.4%)
2019 $21.4m (-90.6%) $58.5m (13.2%) $-17.1m (-131.1%) 273.0% (1098.7%) $2.26 (9.7%)
2020 $284.7m (1227.7%) $64.0m (9.4%) $-13.3m (22.2%) 22.5% (-91.8%) $2.56 (13.3%)
2021 $34.2m (-88.0%) $113.0m (76.5%) $-12.1m (9.5%) 330.7% (1370.7%) $4.44 (73.4%)
2022 $39.2m (14.8%) $102.3m (-9.4%) $-6.9m (43.1%) 260.9% (-21.1%) $4.06 (-8.6%)
2023 $45.4m (15.8%) $41.1m (-59.8%) $-18.3m (-167.4%) 90.4% (-65.3%) $1.63 (-59.9%)
2024 $50.5m (11.2%) $16.1m (-60.8%) $-57.5m (-213.2%) 31.9% (-64.8%) $0.55 (-66.3%)
2025 $63.9m (26.6%) $25.4m (57.6%) $-10.5m (81.8%) 39.7% (24.5%) $0.94 (70.9%)

Base FCF: (latest fiscal year)

Discount rate: %

Terminal growth:

Projection period: years

Alt A decline yrs:

Alt B total yrs:

Projected cash flows

Year Projected cash flow Discount Factor Present Value

PV of projected FCF:

Terminal FCF:

Terminal value:

PV of terminal value:

Enterprise value (DCF):

DCF price per share:

Current price:

Alternative DCF Models

Model Fair Value Upside PV(FCFs) PV(Terminal) Total Years
Standard (10yr→TV) 10 + TV
Alt A (Gradual Decline)
Alt B (30yr Hard Stop) N/A

This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.

+ 10YR Financials Balance Sheet (10YR) Cash Flow (10YR) DCF Model

No positive free cash flow in recent history — company has not generated positive FCF

Once the company meets all DCF eligibility criteria (sufficient history, profitability, growth trends), an estimate will become available automatically. No action is needed.