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TRIN

BEARISH
$16.22 Live
Trinity Capital Inc. · NASDAQ
Target $16.83 (+3.8%)
$13.75 52W Range $17.2

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 21, 2026
Market cap
$1.35B
P/E
8.28
ROE
14.1%
Profit margin
48.5%
Debt/Equity
1.19
Dividend yield
12.58%

AI Analysis

AI-powered fundamental assessment

Confidence
85%
TRIN exhibits severe fundamental deterioration, highlighted by a weak Piotroski F-Score of 2/9 and a critical dividend payout ratio of 112.76%, indicating the dividend is currently unsustainable. While the P/E ratio appears attractive at 8.28, this is offset by a high PEG ratio of 5.14 and a sharp 30.5% year-over-year decline in earnings. Despite positive analyst sentiment and a high Graham Number, the combination of poor liquidity (Current Ratio 0.45) and negative earnings growth suggests a value trap scenario.

Key Strengths

Strong profit margins (48.51%) and operating margins (74.51%)
Low P/E ratio (8.28) relative to sector averages
Positive 1-year price performance (+34.2%)
Healthy ROE of 14.15%
Consistent history of meeting or beating EPS estimates over 22 quarters

Key Risks

Unsustainable dividend payout ratio (112.76%)
Severe fundamental weakness indicated by Piotroski F-Score (2/9)
Significant earnings contraction (-30.5% YoY)
Poor short-term liquidity with a Current Ratio of 0.45
High PEG ratio (5.14) suggesting overvaluation relative to growth
AI Fair Value Estimate
Based on comprehensive analysis
$13.72
-15.4% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
41
Moderate
Value
55
Future
30
Past
75
Health
20
Dividend
25
AI Verdict
Value Trap
Key drivers: Piotroski F-Score 2/9, Payout Ratio > 100%, Negative Earnings Growth, Low Current Ratio
Confidence
90%
Value
55/100

While the Graham Number suggests a defensive value of $24.33, the PEG ratio indicates the stock is expensive relative to its current earnings trajectory.

Positives
  • Low P/E (8.28)
  • Price/Book (1.21) is reasonable
Watchpoints
  • High PEG (5.14)
  • Current price exceeds growth-based intrinsic value
Future
30/100

Growth metrics are diverging; revenue is growing but profitability is collapsing.

Positives
  • YoY Revenue growth remains positive (17%)
Watchpoints
  • Earnings growth is sharply negative (-30.5% YoY)
  • Q/Q revenue and earnings are both declining
Past
75/100

Historical price performance has been excellent, but current fundamentals are decoupling from past success.

Positives
  • Strong 5-year (+121.8%) and 3-year (+106.5%) returns
  • Consistent EPS beat track record
Watchpoints
  • Recent quarterly earnings progression is flattening
Health
20/100

The deterministic health scores are the primary red flag for this asset.

Positives
  • Debt/Equity (1.19) is slightly below sector average
Watchpoints
  • Piotroski F-Score of 2/9 indicates weak financial health
  • Current/Quick ratio of 0.45 indicates severe liquidity risk
Dividend
25/100

The yield is a 'dividend trap' as it is not supported by current earnings.

Positives
  • Very high nominal yield (12.58%)
Watchpoints
  • Payout ratio of 112.76% means dividends exceed earnings
  • Dividend strength score is low (40/100)

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$16.22
Analyst Target
$16.83
Upside/Downside
+3.8%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for TRIN and closest competitors.

Updated 2026-04-20
TRI
Trinity Capital Inc.
Primary
5Y
+121.8%
3Y
+106.5%
1Y
+34.2%
6M
+19.1%
1M
+14.4%
1W
+7.8%
PSE
Prospect Capital Corporation
Peer
5Y
-34.8%
3Y
-36.5%
1Y
-4.9%
6M
+13.9%
1M
+10.0%
1W
+7.2%
CNO
ConnectOne Bancorp, Inc.
Peer
5Y
+25.6%
3Y
+75.0%
1Y
+29.6%
6M
+9.1%
1M
+6.8%
1W
+2.5%
ASA
ASA Gold and Precious Metals Limited
Peer
5Y
+247.3%
3Y
+344.9%
1Y
+233.9%
6M
+125.9%
1M
+20.0%
1W
+16.0%
BST
BlackRock Science and Technology Trust
Peer
5Y
+18.2%
3Y
+67.5%
1Y
+17.2%
6M
+12.0%
1M
+2.5%
1W
+0.1%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
8.28
Forward P/E
7.78
PEG Ratio
5.14
P/B Ratio
1.21
P/S Ratio
4.83
EV/Revenue
9.42
EV/EBITDA
N/A
Market Cap
$1.35B

Profitability

Profit margins and return metrics

Profit Margin 48.51%
Operating Margin 74.51%
Gross Margin 100.0%
ROE 14.15%
ROA 6.17%

Growth

Revenue and earnings growth rates

Revenue Growth +17.0%
Earnings Growth -30.5%
Q/Q Revenue Growth -6.61%
Q/Q Earnings Growth -14.0%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
1.19
Moderate
Current Ratio
0.45
Weak
Quick Ratio
0.45
Poor
Cash/Share
$0.23

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$0.1B
Net Margin
67.0%
Total Assets
$2.5B
Liabilities
$1.4B
Equity
$1.1B
Debt/Equity
1.27x
Operating CF
$-0.2B
CapEx
$-0.0B
Free Cash Flow
$-0.2B
FCF Yield
100%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-05-06
$N/A
2026-02-25
$0.52
+0.4% surprise
2025-11-05
$0.52
-1.1% surprise
2025-08-06
$0.53
+2.2% surprise

Financial Services Sector Comparison

Comparing TRIN against 579 companies in the Financial Services sector (106 bullish, 239 neutral, 234 bearish)
P/E Ratio
8.28
This Stock
vs
41.68
Sector Avg
-80.1% (Discount)
Return on Equity (ROE)
14.15%
This Stock
vs
-0.24%
Sector Avg
-5923.2% (Below Avg)
Profit Margin
48.51%
This Stock
vs
47.47%
Sector Avg
+2.2% (Better)
Debt to Equity
1.19
This Stock
vs
1.36
Sector Avg
-12.2% (Lower)
Revenue Growth
17.0%
This Stock
vs
39.3%
Sector Avg
-56.7% (Slower)
Current Ratio
0.45
This Stock
vs
3.65
Sector Avg
-87.7% (Weaker)

Similar Companies

Peer comparison within the same industry

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

ESTES RONALD E.
Director
Buy
2026-03-16
800 shares · $11,328
HARDER GERALD
Chief Operating Officer
Stock Award
2026-03-13
104,022 shares
STANTON SARAH
General Counsel
Stock Award
2026-03-13
55,478 shares
KUNDICH RONALD
Officer
Stock Award
2026-03-13
45,076 shares
TESTA MICHAEL
Chief Financial Officer
Stock Award
2026-03-13
52,011 shares
ESTES RONALD E.
Director
Buy
2026-03-11
605 shares · $8,929
ESTES RONALD E.
Director
Buy
2026-03-03
200 shares · $2,946
BROWN KYLE STEVEN
Chief Executive Officer
Buy
2026-03-02
3,333 shares · $49,662
ESTES RONALD E.
Director
Buy
2025-12-15
1,500 shares · $22,655
ESTES RONALD E.
Director
Buy
2025-11-19
1,500 shares · $21,655
BROWN STEVE LOUIS
Officer and Director
Buy
2025-11-18
2,137 shares · $31,029
BROWN STEVE LOUIS
Officer and Director
Buy
2025-11-07
6,100 shares · $87,930
ESTES RONALD E.
Director
Buy
2025-11-07
2,000 shares · $28,880
Insider transactions can signal confidence or concerns about company prospects

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
BUY
9 analysts
Citizens
2025-12-08
init
Market Outperform

Past News Coverage

Recent headlines mentioning TRIN from our newsroom.

Newest → oldest
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Fundamentals • Valuation • Risk
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