COMP <GO>
TFIN vs CASH // EV/EBITDA & P/E VALUATION
Triumph Financial Inc. (NYSE) VS. Pathward Financial Inc. (NASDAQ) • 15-METRIC TALLY: TFIN 0
— CASH 6
■ METRIC PARITY
LAST: $63.47 (+0.84%) • MKT CAP: $1.52B
valuation
—
LAST: $76.67 (+0.88%) • MKT CAP: $1.59B
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (TFIN VS. CASH)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | TFIN | CASH | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 2.70% | 21.80% | -19.10 | CASH | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 4.42% | — | — | TIE | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | 22.10% | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | 5.30% | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.21% | 0.29% | -0.08 | CASH | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 6/9 | -1.00 | CASH | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 44.1 | 50.3 | -6.13 | CASH | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 55.7x | 8.0x | +47.70 | CASH | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $1.52B | $1.59B | -$74.4M | CASH | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | TFIN REV | CASH REV | TFIN GROSS % | CASH GROSS % | TFIN FCF | CASH FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $839.9M | — | — | $67.1M | $438.9M |
| FY 2024 | $0 | $797.4M | — | — | $58.5M | $478.7M |
| FY 2023 | $0 | $727.7M | — | — | $60.0M | $327.9M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
TFIN // BETA —
CASH // BETA —