Also trades as: TBK (NASDAQ) · $vol 14M · TBKCP (NASDAQ) · $vol 0M · TFINP (NASDAQ) · $vol 0M

$62.18

+1.05 (+1.72%)

Weekly Expected Move ±3.2%

$58 $60 $62 $64 $66

NYSE · Financial Services · Banks - Regional · Tech Score Sell · Power 35 · $1.5B mcap · 21M float · 1.14% daily turnover · Short 59% of daily vol

Overview News Chart Smart Money Financials Income Statement Cash Flow Balance Sheet Earnings

Dividends Analysis Technicals Weather Peers ESG Institutions ETF Exposure Dark Pool Short Interest

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

WEAK EDGE

54.3 / 100

NoneWeakNarrowWide

Primary source: Intangible Assets · ROIC: 5.5% · 5Y Avg: 5.8%

Cost Advantage

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. TFIN shows a Weak competitive edge (54.3/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Intangible Assets. ROIC of 5.5% suggests modest returns relative to capital deployed.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

$82

Low

$85

Avg Target

$88

High

Based on 3 analysts since Jul 21, 2026 earnings

Analyst Recommendations

Strong Buy: 0Buy: 3Hold: 4Sell: 2Strong Sell: 0

Rating Summary

ConsensusHold

Avg Target$84.67

Analysts3

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-09-25	Raymond James	—	$72	$84	+12	+36.1%	$61.72
2026-07-29	D.A. Davidson	Gary Tenner	$74	$82	+8	+7.4%	$76.37
2026-07-23	Stephens	—	$59	$88	+29	+8.5%	$81.08
2026-04-23	Raymond James	—	Initiated	$72	—	+14.4%	$62.92
2025-10-17	Stephens	—	Initiated	$59	—	+15.0%	$51.29
2024-07-19	D.A. Davidson	Gary Tenner	Initiated	$74	—	-10.2%	$82.38

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

B-

Oct 02, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. TFIN receives an overall rating of B-. Strongest factors: ROA (4/5). Areas of concern: D/E (2/5), P/E (1/5), P/B (2/5).

Rating Change History

Date	From	To
2026-10-02	B	B-
2026-10-01	C+	B
2026-08-14	B-	C+
2026-08-03	C+	B-
2026-07-23	C	C+
2026-07-22	C+	C
2026-06-16	B-	C+
2026-04-27	C+	B-
2026-04-24	B-	C+
2026-04-23	C+	B-

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 51 Grade A

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. TFIN scores highest in Earnings Quality (98/100) and lowest in Profitability (41/100). An overall grade of A places TFIN among the highest-quality companies in its peer group.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman-B Score

2.62

Grey Zone

Piotroski F-Score

5/9

✓ ✓ ✓ ✓ ✓ ✗ ✗ ✗ ✗

Beneish M-Score

-2.58

Unlikely Manipulator

Ohlson O-Score

-5.68

Bankruptcy prob: 0.3%

Low Risk

Credit Rating

Score: 70.3/100

Trend: Improving

Earnings Quality

100/100

OCF/NI: 2.90x

Accruals: -1.1%

The Altman-B Score replaces the traditional Z-Score for banks and financial institutions. It weights equity-to-assets, return on assets, retained earnings, market value coverage, and cash reserves — metrics that better capture bank solvency than manufacturing-oriented ratios. TFIN scores 2.62, placing it in the Grey Zone (safe > 3.0, distress < 1.5). Financial distress is possible and warrants monitoring. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. TFIN scores 5/9, indicating moderate financial health — some areas of strength offset by weaknesses in others. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. TFIN's score of -2.58 falls below this threshold, suggesting earnings are unlikely to be manipulated. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. TFIN's implied 0.3% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. TFIN receives an estimated rating of A (score: 70.3/100), with a improving trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). TFIN's score of 100/100 is high — cash flows strongly support reported earnings.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

42.01x

PEG

0.18x

P/S

3.09x

P/B

1.54x

P/FCF

19.78x

P/OCF

16.44x

EV/EBITDA

21.42x

EV/Revenue

3.36x

EV/EBIT

31.61x

EV/FCF

17.32x

Earnings Yield

2.10%

FCF Yield

5.06%

Shareholder Yield

0.29%

Graham Number

$37.90

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 42.0x earnings, TFIN is priced for high growth expectations. Graham's intrinsic value formula yields $37.90 per share, 64% below the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.788

NI / EBT

Interest Burden

0.960

EBT / EBIT

EBIT Margin

0.106

EBIT / Rev

Asset Turnover

0.069

Rev / Assets

Equity Multiplier

7.410

Assets / Equity

ROE

4.1%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. TFIN's ROE of 4.1% is driven by financial leverage (equity multiplier: 7.41x). Note: high leverage means ROE is amplified by debt rather than operational performance.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Two adjustments we make, and why. Growth is capped at 15%. Graham defined g as expected growth over the next seven to ten years, not last year's rate. Across US companies since 1994 the median realized 7-year EPS growth is 5–8% regardless of how fast a company grew beforehand, and of 4,457 company-quarters that grew faster than 200%, none sustained it. Uncapped, the formula assigned fair multiples in the hundreds to companies that had never held that rate — and scored worse than simply reading the P/E. Capped, it carries real information. The verdict has three states, not two. Tested over 377,249 stock-months, this ratio only separates outcomes at its extremes: below 0.25 beat the universe by 1.3 points a year, above 3.0 lagged by 2.7, and everything in between sat inside a one-point band. Rather than call two-thirds of the market "undervalued" on a threshold of 1.0, we say Neutral where the model cannot tell — which is most of the time.

Adj. Growth Rate

15.00%

Fair P/E

38.50x

Intrinsic Value

$61.61

Price/Value

1.24x

Margin of Safety

-23.85%

Premium

23.85%

Assessment

Neutral

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with TFIN's realized 15.0% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. TFIN trades at a 24% premium to its adjusted intrinsic value of $61.61, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 38.5x compares to the current market P/E of 42.0x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$62.36

Median 1Y

$63.80

5th Pctile

$28.65

95th Pctile

$141.75

Ann. Volatility

49.3%

Analyst Target

$84.67

25th–75th percentile 5th–95th percentile Median path Historical Analyst target

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
AARON P. GRAFT Director, Vice Chairman, CEO & President	$725,000	$2,808,839	$4,607,786
EDWARD J. SCHREYER Executive Vice President, COO	$500,000	$1,245,231	$2,290,735
TODD RITTERBUSCH President, TBK Bank, and President, Payments and Banking	$416,667	$664,109	$1,462,401
W. BRADLEY VOSS Executive Vice President, CFO	$400,000	$664,109	$1,403,031
ADAM NELSON President, Vice President, General Counsel and Corporate Secretary	$400,000	$553,344	$1,259,187

CEO Pay Ratio

27:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $4,607,786

Avg Employee Cost (SGA/emp): $169,313

Employees: 1,450

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

1,450

-6.6% YoY

Revenue / Employee

$355,917

Rev: $516,079,000

Profit / Employee

$17,489

NI: $25,359,000

SGA / Employee

$169,313

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
ROE	15.6%	14.2%	12.5%	14.4%	13.0%	11.7%	10.4%	6.1%	5.6%	4.7%	4.0%	3.4%	2.5%	1.8%	1.4%	1.5%	1.1%	2.8%	3.4%	4.1%	4.12%
ROA	2.0%	1.9%	1.7%	2.0%	1.9%	1.8%	1.5%	0.9%	0.9%	0.8%	0.6%	0.5%	0.4%	0.3%	0.2%	0.2%	0.2%	0.4%	0.5%	0.6%	0.56%
ROIC	28.9%	17.4%	15.6%	96.3%	26.3%	25.2%	11.5%	9.7%	12.2%	6.0%	10.8%	6.3%	12.5%	2.6%	2.0%	1.7%	0.9%	7.7%	4.8%	5.5%	5.48%
ROCE	12.9%	11.1%	7.6%	13.4%	12.2%	11.8%	7.4%	5.1%	5.9%	3.9%	4.0%	2.8%	2.4%	1.8%	1.2%	1.5%	1.1%	0.5%	0.6%	0.7%	0.69%
Gross Margin	96.5%	95.3%	96.6%	95.0%	93.4%	94.6%	91.1%	85.7%	85.9%	81.8%	81.4%	81.3%	81.3%	81.8%	83.9%	84.6%	96.1%	86.8%	86.9%	73.7%	73.66%
Operating Margin	29.6%	27.3%	28.1%	37.6%	18.6%	21.3%	11.2%	8.5%	14.6%	10.4%	4.1%	2.9%	5.0%	4.8%	0.1%	6.2%	1.2%	16.9%	8.3%	14.7%	14.69%
Net Margin	22.5%	21.8%	21.2%	28.6%	14.0%	14.8%	9.9%	6.5%	10.6%	7.9%	3.6%	2.2%	4.3%	3.2%	0.0%	3.4%	1.6%	13.7%	5.2%	10.5%	10.53%
EBITDA Margin	35.4%	32.4%	33.3%	41.6%	24.5%	26.5%	17.4%	14.9%	20.8%	15.6%	10.5%	9.5%	12.2%	11.9%	7.0%	14.1%	2.1%	23.4%	12.7%	22.8%	22.77%
FCF Margin	26.6%	27.7%	34.0%	16.6%	19.4%	12.6%	-0.5%	9.3%	0.8%	3.4%	-8.0%	-6.9%	-4.1%	-6.9%	6.1%	5.4%	6.0%	9.3%	11.5%	19.4%	19.41%
OCF Margin	29.2%	31.0%	36.7%	18.7%	21.9%	14.8%	4.9%	15.0%	6.2%	9.2%	6.6%	7.1%	9.6%	12.0%	13.5%	13.0%	14.1%	13.5%	15.0%	23.3%	23.35%
ROE 3Y Avg	snapshot only																				2.95%
ROE 5Y Avg	snapshot only																				5.77%
ROA 3Y Avg	snapshot only																				0.41%
ROIC 3Y Avg	snapshot only																				3.06%
ROIC Economic	snapshot only																				3.77%
Cash ROA	snapshot only																				1.51%
Cash ROIC	snapshot only																				15.26%
CROIC	snapshot only																				12.69%
NOPAT Margin	snapshot only																				8.38%
Pretax Margin	snapshot only																				10.21%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				52.36%
SBC / Revenue	snapshot only																				3.17%

Valuation

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
P/E Ratio	21.32	26.76	23.07	12.78	12.19	11.88	15.54	27.15	31.01	45.23	54.81	65.97	86.25	134.31	113.01	96.18	119.92	59.18	45.24	47.68	42.014
P/S Ratio	5.84	6.84	5.25	3.06	2.68	2.42	2.76	3.08	3.25	3.94	3.93	3.99	3.86	4.43	2.76	2.65	2.50	3.01	2.86	3.84	3.094
P/B Ratio	3.08	3.52	2.69	1.75	1.52	1.37	1.67	1.71	1.79	2.15	2.15	2.21	2.13	2.43	1.51	1.44	1.30	1.59	1.51	1.91	1.541
P/FCF	21.95	24.66	15.45	18.45	13.83	19.12	-583.44	33.06	423.02	114.41	-49.43	-58.10	-95.02	-63.87	45.34	49.31	41.85	32.55	24.99	19.78	19.775
P/OCF	20.01	22.08	14.33	16.33	12.21	16.32	56.70	20.54	52.48	43.01	59.65	55.89	40.29	36.90	20.35	20.35	17.72	22.38	19.10	16.44	16.438
EV/EBITDA	12.04	16.77	13.77	4.31	5.22	4.51	9.27	11.72	11.46	20.67	17.84	22.32	20.12	35.05	21.21	21.64	31.09	14.39	17.03	21.42	21.416
EV/Revenue	4.89	6.37	4.76	1.56	1.75	1.46	2.66	2.45	2.29	3.55	2.77	3.15	2.41	3.87	2.16	2.46	2.81	1.78	2.34	3.36	3.361
EV/EBIT	13.77	19.42	16.27	5.00	6.13	5.35	11.33	16.36	16.39	31.75	29.28	39.38	42.99	92.15	67.17	60.57	89.04	26.92	27.21	31.61	31.612
EV/FCF	18.38	22.96	14.00	9.39	9.06	11.52	-561.38	26.30	297.81	103.27	-34.77	-45.80	-59.21	-55.75	35.57	45.84	47.02	19.26	20.45	17.32	17.319
Earnings Yield	4.7%	3.7%	4.3%	7.8%	8.2%	8.4%	6.4%	3.7%	3.2%	2.2%	1.8%	1.5%	1.2%	0.7%	0.9%	1.0%	0.8%	1.7%	2.2%	2.1%	2.10%
FCF Yield	4.6%	4.1%	6.5%	5.4%	7.2%	5.2%	-0.2%	3.0%	0.2%	0.9%	-2.0%	-1.7%	-1.1%	-1.6%	2.2%	2.0%	2.4%	3.1%	4.0%	5.1%	5.06%
PEG Ratio	snapshot only																				0.178
Price/Tangible Book	snapshot only																				3.261
EV/OCF	snapshot only																				14.396
EV/Gross Profit	snapshot only																				3.910
Acquirers Multiple	snapshot only																				31.612
Shareholder Yield	snapshot only																				0.29%
Graham Number	snapshot only																				$37.90

Leverage & Solvency

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Current Ratio	0.14	0.12	0.14	0.20	0.15	0.16	0.18	0.17	0.14	0.15	0.17	0.19	0.19	0.09	0.12	0.07	0.05	—	—	—	—
Quick Ratio	0.14	0.12	0.14	0.20	0.15	0.16	0.18	0.17	0.14	0.15	0.17	0.19	0.19	0.09	0.12	0.07	0.05	—	—	—	—
Debt/Equity	0.35	0.42	0.43	0.22	0.22	0.20	0.83	0.52	0.21	0.47	0.21	0.49	0.20	0.16	0.35	0.32	0.43	0.00	0.15	0.12	0.118
Net Debt/Equity	-0.50	-0.24	-0.25	-0.86	-0.53	-0.54	-0.06	-0.35	-0.53	-0.21	-0.64	-0.47	-0.80	-0.31	-0.33	-0.10	0.16	-0.65	-0.27	-0.24	-0.238
Debt/Assets	0.05	0.06	0.06	0.03	0.03	0.03	0.12	0.08	0.03	0.08	0.03	0.07	0.03	0.02	0.05	0.05	0.06	0.00	0.02	0.02	0.015
Debt/EBITDA	1.63	2.13	2.43	1.05	1.13	1.11	4.76	4.44	1.93	5.00	2.44	6.31	3.10	2.64	6.35	5.20	9.08	0.00	2.08	1.50	1.503
Net Debt/EBITDA	-2.34	-1.24	-1.43	-4.16	-2.75	-2.98	-0.36	-3.01	-4.82	-2.23	-7.52	-5.99	-12.17	-5.11	-5.83	-1.63	3.42	-9.93	-3.79	-3.04	-3.037
Interest Coverage	7.30	7.87	8.08	9.20	8.58	7.31	5.17	2.17	1.52	0.97	0.72	0.57	0.38	0.28	0.21	0.27	0.20	—	35.16	12.89	12.886
Equity Multiplier	7.34	6.94	6.85	6.81	6.33	6.00	6.80	6.78	6.59	6.19	6.39	6.62	6.62	6.68	7.01	7.12	6.91	6.78	7.23	7.69	7.686
Debt Service Coverage	snapshot only																				19.020
Cash to Debt	snapshot only																				3.020
FCF to Debt	snapshot only																				0.822
Defensive Interval	snapshot only																				345.2 days

Efficiency & Turnover

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Asset Turnover	0.07	0.07	0.07	0.08	0.09	0.09	0.09	0.08	0.08	0.09	0.09	0.08	0.09	0.09	0.08	0.08	0.08	0.08	0.08	0.07	0.069
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	26.14	—	—
Payables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
DSO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	14	0	0.0 days
DIO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	—
Cash Conversion Cycle	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	14	0	—
Fixed Asset Turnover	snapshot only																				5.586
Cash Velocity	snapshot only																				1.403
Capital Intensity	snapshot only																				15.418

Growth (YoY)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue	23.4%	18.6%	15.7%	20.0%	17.3%	13.9%	10.2%	-7.4%	-7.7%	-6.3%	-4.7%	4.6%	4.4%	3.3%	2.7%	2.1%	-2.1%	2.1%	2.2%	-2.9%	-2.90%
Net Income	1.4%	76.5%	1.0%	2.3%	-6.0%	-9.4%	-13.9%	-56.1%	-56.0%	-59.8%	-61.5%	-44.1%	-55.4%	-60.8%	-65.1%	-53.5%	-54.4%	57.6%	1.7%	1.8%	1.84%
EPS	1.4%	74.1%	0.2%	5.5%	-5.0%	-7.6%	-8.3%	-54.3%	-53.1%	-56.9%	-61.3%	-44.6%	-55.9%	-61.8%	-64.7%	-53.8%	-54.8%	56.4%	1.6%	1.8%	1.79%
FCF	1.4%	53.7%	78.6%	-32.8%	-14.7%	-48.1%	-1.0%	-48.0%	-96.3%	-74.5%	-15.0%	-1.8%	-6.5%	-3.1%	1.8%	1.8%	2.4%	2.4%	92.7%	2.5%	2.51%
EBITDA	1.1%	61.8%	2.1%	5.0%	-3.0%	-3.4%	-8.6%	-46.5%	-45.2%	-50.0%	-48.4%	-29.3%	-37.4%	-33.7%	-32.5%	-17.6%	-26.0%	14.7%	38.0%	33.9%	33.88%
Op. Income	1.4%	71.1%	-0.9%	2.9%	-5.6%	-5.5%	-11.6%	-55.5%	-55.0%	-61.5%	-61.6%	-44.0%	-58.1%	-61.2%	-65.0%	-48.1%	-44.8%	61.2%	1.7%	1.5%	1.54%
OCF Growth	snapshot only																				74.15%
Asset Growth	snapshot only																				13.99%
Equity Growth	snapshot only																				5.58%
Debt Growth	snapshot only																				-61.26%
Shares Change	snapshot only																				1.58%
Dividend Growth	snapshot only																				-1.56%

Growth (CAGR)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue 3Y	18.7%	15.8%	13.9%	15.3%	14.7%	13.7%	13.2%	10.3%	10.1%	8.2%	6.7%	5.2%	4.2%	3.3%	2.6%	-0.4%	-1.9%	-0.4%	0.0%	1.2%	1.22%
Revenue 5Y	26.9%	24.9%	23.5%	23.3%	22.4%	20.6%	18.7%	15.0%	12.6%	10.6%	9.2%	8.2%	7.8%	7.3%	7.3%	7.5%	6.4%	6.0%	5.0%	2.9%	2.89%
EPS 3Y	47.0%	32.4%	26.1%	33.3%	24.2%	21.1%	32.2%	10.4%	2.2%	-11.5%	-29.1%	-35.6%	-41.9%	-46.6%	-49.9%	-51.1%	-54.6%	-36.4%	-29.3%	-10.6%	-10.55%
EPS 5Y	34.9%	32.2%	24.1%	24.3%	20.5%	19.6%	16.3%	7.7%	7.2%	-1.5%	-6.6%	-9.7%	-16.9%	-21.8%	-20.6%	-19.2%	-26.6%	-16.2%	-20.2%	-19.2%	-19.17%
Net Income 3Y	43.7%	29.8%	23.8%	29.7%	23.0%	20.5%	31.3%	9.4%	0.3%	-13.7%	-30.6%	-36.9%	-43.1%	-47.8%	-51.3%	-51.5%	-55.2%	-37.2%	-29.1%	-9.7%	-9.68%
Net Income 5Y	44.3%	40.4%	31.6%	30.8%	25.2%	23.1%	18.7%	5.3%	4.2%	-4.5%	-8.9%	-11.7%	-18.2%	-22.8%	-21.2%	-19.4%	-27.1%	-16.9%	-20.9%	-19.9%	-19.86%
EBITDA 3Y	35.8%	28.5%	22.8%	27.4%	22.2%	20.5%	28.1%	11.6%	4.2%	-7.9%	-21.6%	-26.5%	-30.7%	-31.6%	-31.7%	-32.2%	-36.7%	-27.5%	-21.7%	-8.0%	-7.97%
EBITDA 5Y	37.4%	33.2%	26.0%	25.7%	21.4%	18.2%	15.5%	6.3%	5.9%	0.5%	-2.7%	-4.8%	-9.0%	-10.3%	-6.1%	-4.2%	-12.1%	-9.9%	-14.8%	-15.2%	-15.21%
Gross Profit 3Y	25.6%	22.9%	20.2%	21.6%	20.6%	19.6%	21.5%	18.3%	15.6%	11.0%	4.3%	0.2%	-1.6%	-2.8%	-2.8%	-5.0%	-5.0%	-3.0%	-1.9%	-0.8%	-0.76%
Gross Profit 5Y	29.2%	27.8%	27.7%	27.2%	25.7%	23.9%	20.8%	17.0%	14.7%	11.8%	9.7%	8.5%	7.7%	7.3%	9.0%	10.0%	8.8%	8.0%	4.6%	0.8%	0.76%
Op. Income 3Y	38.1%	29.7%	23.8%	30.0%	23.9%	22.0%	31.9%	9.7%	0.3%	-14.6%	-30.5%	-36.5%	-43.7%	-47.9%	-50.8%	-49.5%	-53.0%	-37.8%	-28.4%	-9.6%	-9.65%
Op. Income 5Y	39.0%	34.0%	25.8%	25.6%	20.6%	17.5%	14.3%	2.5%	2.3%	-4.5%	-8.4%	-11.4%	-18.5%	-23.0%	-21.0%	-17.4%	-25.3%	-17.2%	-20.3%	-19.5%	-19.53%
FCF 3Y	37.4%	30.6%	34.1%	10.3%	14.6%	7.5%	—	15.9%	-58.0%	-41.2%	—	—	—	—	-42.2%	-31.5%	-33.7%	-10.2%	—	29.3%	29.33%
FCF 5Y	39.3%	35.7%	45.1%	19.4%	19.9%	10.1%	—	0.9%	-39.5%	-21.7%	—	—	—	—	-7.5%	-0.8%	-10.0%	-10.4%	-7.9%	-5.4%	-5.44%
OCF 3Y	23.3%	22.9%	25.0%	6.4%	12.9%	0.9%	-28.2%	5.4%	-27.6%	-23.7%	-33.1%	-36.4%	-28.1%	-24.7%	-26.4%	-11.7%	-15.3%	-3.4%	45.5%	17.4%	17.38%
OCF 5Y	37.3%	34.6%	42.6%	19.5%	21.3%	9.5%	-14.4%	4.1%	-15.5%	-10.2%	-18.1%	-14.9%	-9.5%	-4.2%	0.2%	1.7%	-2.4%	-7.2%	-6.5%	-3.5%	-3.54%
Assets 3Y	9.9%	9.3%	10.3%	7.6%	3.8%	1.8%	1.7%	0.2%	-1.4%	-3.4%	-3.0%	-1.3%	-0.9%	-0.0%	1.0%	2.9%	4.1%	6.2%	6.9%	9.4%	9.41%
Assets 5Y	18.5%	17.7%	18.2%	16.0%	14.2%	8.8%	10.6%	8.3%	4.3%	3.2%	4.2%	3.9%	3.1%	3.3%	3.2%	2.9%	1.7%	1.5%	2.4%	4.2%	4.24%
Equity 3Y	10.0%	10.5%	11.1%	10.8%	12.0%	11.8%	12.0%	8.3%	7.0%	6.0%	4.5%	3.3%	2.6%	1.2%	0.3%	1.4%	1.0%	1.9%	4.7%	4.9%	4.94%
Book Value 3Y	12.5%	12.8%	13.2%	13.8%	13.2%	12.3%	12.7%	9.2%	9.0%	8.7%	6.7%	5.5%	4.7%	3.5%	3.1%	2.4%	2.5%	3.2%	4.4%	3.9%	3.93%
Dividend 3Y	56.3%	26.0%	10.6%	1.7%	1.0%	0.5%	0.7%	0.9%	1.9%	2.6%	2.1%	2.1%	2.1%	2.2%	2.8%	0.9%	1.4%	1.3%	-0.3%	-1.0%	-0.97%

Growth Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue Stability	0.98	0.99	0.99	0.98	0.98	0.99	1.00	0.90	0.89	0.89	0.90	0.78	0.75	0.75	0.76	0.64	0.52	0.63	0.66	0.79	0.786
Earnings Stability	0.74	0.88	0.79	0.76	0.77	0.85	0.65	0.22	0.17	0.05	0.01	0.01	0.07	0.18	0.23	0.30	0.41	0.52	0.81	0.74	0.738
Margin Stability	0.91	0.91	0.91	0.89	0.90	0.90	0.91	0.90	0.90	0.91	0.93	0.92	0.92	0.91	0.90	0.90	0.92	0.93	0.95	0.94	0.936
Rev. Growth Consistency	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	0.00	1.00	1.00	0.00	0.000
Earn. Growth Consistency	0.50	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.500
FCF Positive Streak	1	1	1	1	1	1	0	1	1	1	0	0	0	0	0	0	0	0	1	1	0
Earnings Persistence	0.50	0.50	1.00	0.99	0.98	0.96	0.94	0.50	0.50	0.50	0.50	0.82	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.500
Earnings Smoothness	0.16	0.45	0.99	0.98	0.94	0.90	0.85	0.22	0.22	0.15	0.11	0.43	0.23	0.13	0.04	0.27	0.25	0.55	0.10	0.04	0.042
ROE Trend	0.06	0.04	0.02	0.03	0.02	0.01	-0.02	-0.08	-0.08	-0.08	-0.07	-0.07	-0.07	-0.06	-0.06	-0.03	-0.03	-0.01	0.01	0.02	0.016
Gross Margin Trend	0.17	0.17	0.14	0.11	0.08	0.06	0.01	-0.04	-0.07	-0.10	-0.11	-0.11	-0.11	-0.09	-0.07	-0.04	0.01	0.04	0.05	0.03	0.032
FCF Margin Trend	0.10	0.10	0.17	-0.02	-0.01	-0.12	-0.28	-0.14	-0.22	-0.17	-0.25	-0.20	-0.14	-0.15	0.10	0.04	0.08	0.11	0.12	0.20	0.202
Sustainable Growth Rate	15.2%	13.8%	12.1%	14.0%	12.6%	11.3%	10.0%	5.8%	5.3%	4.3%	3.7%	3.1%	2.2%	1.5%	1.0%	1.2%	0.8%	2.4%	3.1%	3.8%	3.78%
Internal Growth Rate	2.0%	1.9%	1.7%	2.0%	1.9%	1.8%	1.5%	0.9%	0.8%	0.7%	0.6%	0.5%	0.3%	0.2%	0.1%	0.2%	0.1%	0.4%	0.4%	0.5%	0.51%

Cash Flow Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
OCF/Net Income	1.07	1.21	1.61	0.78	1.00	0.73	0.27	1.32	0.59	1.05	0.92	1.18	2.14	3.64	5.55	4.73	6.77	2.64	2.37	2.90	2.901
FCF/OCF	0.91	0.90	0.93	0.89	0.88	0.85	-0.10	0.62	0.12	0.38	-1.21	-0.96	-0.42	-0.58	0.45	0.41	0.42	0.69	0.76	0.83	0.831
FCF/Net Income	snapshot only																				2.411
OCF/EBITDA	snapshot only																				1.488
CapEx/Revenue	2.6%	3.2%	2.6%	2.2%	2.6%	2.2%	5.3%	5.7%	5.4%	5.7%	14.5%	14.0%	13.6%	19.0%	7.5%	7.6%	8.1%	4.2%	3.5%	3.9%	3.94%
CapEx/Depreciation	snapshot only																				0.778
Accruals Ratio	-0.00	-0.00	-0.01	0.00	0.00	0.00	0.01	-0.00	0.00	-0.00	0.00	-0.00	-0.00	-0.01	-0.01	-0.01	-0.01	-0.01	-0.01	-0.01	-0.011
Sloan Accruals	snapshot only																				0.737
Cash Flow Adequacy	snapshot only																				5.067
Earnings Quality Score	snapshot only																				1.000

Dividends & Buybacks

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Dividend Yield	0.1%	0.1%	0.1%	0.2%	0.2%	0.3%	0.2%	0.2%	0.2%	0.2%	0.2%	0.2%	0.2%	0.1%	0.2%	0.2%	0.3%	0.2%	0.2%	0.2%	0.00%
Dividend/Share	$0.13	$0.13	$0.13	$0.13	$0.13	$0.13	$0.13	$0.14	$0.14	$0.14	$0.14	$0.14	$0.14	$0.13	$0.14	$0.13	$0.13	$0.13	$0.13	$0.13	$0.00
Payout Ratio	2.7%	2.8%	3.1%	2.7%	2.9%	3.1%	3.6%	6.1%	6.5%	7.8%	9.4%	10.9%	14.7%	19.9%	26.8%	23.5%	32.1%	12.6%	10.1%	8.3%	8.30%
FCF Payout Ratio	2.8%	2.6%	2.1%	3.9%	3.3%	5.0%	—	7.4%	89.2%	19.7%	—	—	—	—	10.8%	12.1%	11.2%	7.0%	5.6%	3.4%	3.44%
Total Payout Ratio	3.8%	3.9%	5.6%	46.1%	49.5%	78.1%	1.8%	2.1%	2.2%	2.1%	22.6%	22.2%	29.7%	40.4%	54.8%	39.9%	54.4%	21.4%	17.0%	14.0%	14.04%
Div. Increase Streak	1	1	1	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Chowder Number	2.57	0.89	0.28	-0.03	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.002
Buyback Yield	0.0%	0.0%	0.1%	3.4%	3.8%	6.3%	11.0%	7.5%	7.0%	4.4%	0.2%	0.2%	0.2%	0.2%	0.2%	0.2%	0.2%	0.1%	0.2%	0.1%	0.12%
Net Buyback Yield	0.0%	0.0%	0.1%	3.3%	3.8%	6.3%	11.0%	7.5%	6.9%	4.3%	0.2%	0.1%	0.1%	0.1%	0.1%	0.1%	-0.0%	-0.0%	-0.1%	-0.1%	-0.08%
Total Shareholder Return	0.2%	0.1%	0.2%	3.6%	4.0%	6.6%	11.3%	7.7%	7.2%	4.5%	0.4%	0.3%	0.3%	0.2%	0.4%	0.3%	0.2%	0.2%	0.1%	0.1%	0.09%

DuPont Factors

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Tax Burden (NI/EBT)	0.77	0.78	0.78	0.77	0.77	0.75	0.76	0.76	0.75	0.78	0.76	0.76	0.80	0.79	0.76	0.68	0.66	0.77	0.77	0.79	0.788
Interest Burden (EBT/EBIT)	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.95	0.96	0.960
EBIT Margin	0.36	0.33	0.29	0.31	0.29	0.27	0.23	0.15	0.14	0.11	0.09	0.08	0.06	0.04	0.03	0.04	0.03	0.07	0.09	0.11	0.106
Asset Turnover	0.07	0.07	0.07	0.08	0.09	0.09	0.09	0.08	0.08	0.09	0.09	0.08	0.09	0.09	0.08	0.08	0.08	0.08	0.08	0.07	0.069
Equity Multiplier	7.83	7.50	7.38	7.18	6.82	6.46	6.83	6.80	6.46	6.09	6.59	6.70	6.60	6.44	6.71	6.87	6.77	6.73	7.13	7.41	7.410

Per Share

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
EPS (Diluted TTM)	$4.70	$4.45	$4.07	$4.90	$4.46	$4.11	$3.74	$2.24	$2.09	$1.77	$1.45	$1.24	$0.92	$0.68	$0.51	$0.57	$0.42	$1.06	$1.32	$1.60	$1.60
Book Value/Share	$32.53	$33.83	$34.95	$35.79	$35.68	$35.73	$34.73	$35.53	$36.25	$37.30	$36.88	$36.94	$37.33	$37.47	$38.26	$38.38	$38.43	$39.30	$39.55	$39.89	$40.36
Tangible Book/Share	$21.43	$22.92	$24.34	$24.71	$24.92	$25.05	$23.57	$24.32	$25.16	$25.23	$24.88	$24.89	$25.30	$25.01	$25.56	$19.36	$19.57	$22.48	$22.88	$23.40	$23.40
Revenue/Share	$17.14	$17.41	$17.89	$20.46	$20.30	$20.23	$21.01	$19.74	$19.95	$20.36	$20.17	$20.46	$20.60	$20.51	$20.98	$20.80	$20.00	$20.77	$20.83	$19.89	$20.12
FCF/Share	$4.56	$4.83	$6.09	$3.39	$3.93	$2.56	$-0.10	$1.84	$0.15	$0.70	$-1.60	$-1.41	$-0.84	$-1.42	$1.27	$1.12	$1.20	$1.92	$2.39	$3.86	$3.90
OCF/Share	$5.01	$5.39	$6.56	$3.83	$4.45	$2.99	$1.02	$2.96	$1.23	$1.86	$1.33	$1.46	$1.97	$2.46	$2.84	$2.71	$2.82	$2.80	$3.12	$4.64	$4.70
Cash/Share	$27.65	$22.28	$23.85	$38.49	$26.43	$26.64	$30.85	$30.75	$26.85	$25.30	$31.17	$35.51	$37.62	$17.53	$26.03	$16.17	$10.23	$25.57	$16.81	$14.17	$14.34
EBITDA/Share	$6.97	$6.61	$6.18	$7.39	$6.82	$6.52	$6.02	$4.12	$3.98	$3.50	$3.13	$2.89	$2.46	$2.26	$2.14	$2.37	$1.81	$2.58	$2.87	$3.12	$3.12
Debt/Share	$11.37	$14.05	$15.01	$7.78	$7.69	$7.21	$28.66	$18.32	$7.67	$17.50	$7.64	$18.21	$7.64	$5.97	$13.58	$12.30	$16.41	$0.00	$5.95	$4.69	$4.69
Net Debt/Share	$-16.28	$-8.22	$-8.84	$-30.71	$-18.74	$-19.43	$-2.20	$-12.43	$-19.18	$-7.81	$-23.53	$-17.30	$-29.98	$-11.56	$-12.45	$-3.87	$6.18	$-25.57	$-10.85	$-9.48	$-9.48

Academic Models

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	2.620
Altman Z-Prime	snapshot only																				0.909
Piotroski F-Score	8	8	7	7	6	6	5	4	4	4	4	6	6	4	5	5	4	6	6	5	5
Beneish M-Score	-2.66	-2.52	-2.39	-2.06	-2.41	-2.43	-2.50	-2.71	-2.38	-2.57	-2.37	-2.40	-2.45	-2.48	-2.47	-2.43	-2.75	-2.32	-2.46	-2.58	-2.576
Ohlson O-Score	snapshot only																				-5.683
ROIC (Greenblatt)	snapshot only																				11.93%
Net-Net WC	snapshot only																				$-252.53
EVA	snapshot only																				$-33185903.72

Credit

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Credit Rating	snapshot only																				A
Credit Score	91.04	86.91	85.08	90.35	93.65	89.11	68.12	61.09	60.47	58.05	59.78	56.95	55.46	50.73	44.28	45.85	42.22	58.01	63.86	70.35	70.350
Credit Grade	snapshot only																				6
Credit Trend	snapshot only																				24.498
Implied Spread (bps)	snapshot only																				150.000
Industry Credit Rank	snapshot only																				67
Sector Credit Rank	snapshot only																				60

TFIN NYSE

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

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