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Financial Analysis

Filing-based analysis. Market pricing is not included. Fundamentals from SEC filings; economic data from FRED and the BLS. About our data

Fundamentals

Titan Machinery Inc. TITN

· Consumer · Retail-Retail Stores, NEC

FY2026 10-K, filed 2026-03-31
SEC EDGAR

Filing evidence summary

Caution evidenceCoverage 5/5 core metrics

Latest reported annual revenue changed -10.2% from the prior reported annual observation.

Backward-looking filed evidence under visible rules - not a rating, forecast or investment advice. Missing data is never scored.

Evidence signals

  • Revenue contracted

    Latest reported annual revenue changed -10.2% from the prior reported annual observation.

    Why this surfaced

    Direction threshold: above +2% constructive; below -2% caution; otherwise monitor. This is not labeled one-year growth when filing periods have a gap. Period end 2026-01-31.

  • Free cash flow was negative

    Latest reported free cash flow was -$10M.

    Why this surfaced

    Free cash flow = operating cash flow minus capital expenditures; positive is supporting evidence, not a valuation conclusion. Period end 2020-01-31.

  • 1 filing risk check flagged

    Flagged areas: Solvency & liquidity.

    Why this surfaced

    The full financial analysis shows each value, threshold, and sector limitation.

  • Operating margin was stable

    Operating margin changed -0.4 percentage points from the prior annual period.

    Why this surfaced

    Direction threshold: more than +1 percentage point constructive; below -1 point caution. Period end 2026-01-31.

Core trend metrics

Latest annual revenue growth
-10.2%
as of 2026-01-31
Latest annual operating margin
-0.3%
as of 2026-01-31
Free cash flow
-$10M
as of 2020-01-31
Debt / equity
0.31x
as of 2026-01-31
ROIC snapshot
-0.8%
period varies

Hover a tile for its exact definition; the Statements tab carries per-cell filing citations.

Where to look next

Risk checks

1of 10 rule-based checks flagged
  • Solvency & liquidity

Financial movement

  • Cash→ flat
  • Long-term debt→ flat
  • Inventory→ flat
  • Receivables→ flat
  • Current assets→ flat

Source & freshness

Source
SEC EDGAR XBRL
Fetched
2026-09-06
Latest period end
2026-01-31
Filings
EDGAR ↗

Reported segment mix

figures as filed · share of the filed sum · change vs the prior period in the same filing
Fiscal year ending 2026-01-3110-K filed 2026-03-31prior period 2025-01-31 from the same filingView filing
By business segment
Revenue
  • Agriculture Segment$1.56B
    64.2%
    no prior
  • Europe Segment$378M
    15.6%
    no prior
  • Construction Segment$311M
    12.8%
    no prior
  • Australia$181M
    7.4%
    no prior

Members sum to the consolidated $2.43B for this period.

By product or service
Revenue
  • Revenuefrom Contractswith Customers$2.39B
    share n/a
    -10.4% yoy
  • Sales Of Equipment$1.77B
    share n/a
    -13.4% yoy
  • Sales Of Parts$428M
    share n/a
    0.0% yoy
  • Service Sales$178M
    share n/a
    -1.2% yoy
  • Rental Revenue$38.3M
    share n/a
    +7.4% yoy
  • Other Revenue$8.09M
    share n/a
    +6.7% yoy

member sum exceeds the consolidated figure: this axis carries more than one breakdown, so shares are not computed.

By geography
Revenue
  • United States$1.87B
    77.0%
    -15.8% yoy
  • Other Geographies$378M
    15.6%
    +44.7% yoy
  • Australia$181M
    7.4%
    -18.4% yoy

Members sum to the consolidated $2.43B for this period.

Latest quarter
Quarter ending 2026-04-3010-Q filed 2026-06-09prior period 2025-04-30 from the same filingView filing
  • Agriculture Segment$344M
    65.9%
    no prior
  • Construction Segment$67.5M
    12.9%
    no prior
  • Europe Segment$60.4M
    11.6%
    no prior
  • Australia segment$50.3M
    9.6%
    no prior

Change is against the same quarter a year earlier, as reported in the same 10-Q.

Source: SEC DERA Financial Statement and Notes data sets. Dimensional XBRL facts on the business-segment, product/service and geographic axes; the engine keeps the accession of every figure. Descriptive and educational, not advice.

Peer percentiles

latest fiscal year ending 2026-01-31 · among 4,104 US-listed filers · 481 in Consumer
MetricValuevs all filersvs sector
Revenue
latest fiscal-year revenue as filed
$2.4B
69thof 3,301
top third
54thof 464
middle third
Revenue growth
latest fiscal-year revenue vs the prior fiscal year
-10.2%
12thof 3,135
bottom third
10thof 450
bottom third
Gross margin
gross profit ÷ revenue
15.8%
15thof 1,603
bottom third
14thof 329
bottom third
Operating margin
operating income ÷ revenue
-0.3%
42ndof 2,819
middle third
27thof 433
bottom third
Net margin
net income ÷ revenue
-2.2%
39thof 3,263
middle third
27thof 460
bottom third
Return on equity
net income ÷ stockholders' equity (positive equity only)
-9.3%
34thof 3,577
middle third
25thof 411
bottom third
Stock comp ÷ revenue
stock-based compensation ÷ revenue · lower is ranked higher
0.2%
95thof 2,895
top third
84thof 415
top third
Net debt ÷ operating cash flow
net debt ÷ operating cash flow (OCF > 0) · lower is ranked higher
1.1×
63rdof 1,547
middle third
63rdof 242
middle third
Cash-flow accrual ratio
(net income − operating cash flow) ÷ average total assets · lower is ranked higher
-11.2%
79thof 3,291
top third
85thof 384
top third

Each filer's latest fiscal year as stored by the nightly crawl; fiscal year ends differ across the universe. A metric ranks only filers for which it is computable from filed facts. Ties split; a rank reads "better than N% of filers" in the metric's own direction. Descriptive and educational, not a rating.

Earnings quality

latest fiscal year ending 2026-01-31 · accruals and cash conversion as filed
Cash conversion
-
operating cash flow ÷ net income, latest fiscal year
Cash-flow accrual ratio
-11.2%
(net income − operating cash flow) ÷ average total assets
Balance-sheet accrual ratio
-
change in net operating assets ÷ average net operating assets
Cash-backed years
3 of 5
fiscal years where operating cash flow met or exceeded net income
Mean cash conversion
0.74×
across the stored fiscal years with positive net income

Per fiscal year from filed facts: cash conversion = operating cash flow / net income (net income > 0); cash-flow accrual ratio = (net income - operating cash flow) / average total assets; balance-sheet accrual ratio = change in net operating assets / average net operating assets, NOA = (assets - cash) - (liabilities - debt). Descriptive; a missing input yields a missing ratio. High accrual ratios and cash conversion well below one are the measures the accruals literature associates with less persistent earnings; they are screens to read the cash-flow statement with, not conclusions. The per-year series is part of Pro risk analysis.

Point-in-time ledger

first-reported vs latest filing · periods since 2020-01-01 · 3 changed periods
Line itemPeriodFirst reportedLatest filingChangeFilings
Receivables
AccountsReceivableNetCurrent
balance at 2022-01-31$45.2M
10-K 2022-04-01
$94.3M
10-Q 2022-12-08
+108.6%first · latest · 4 filings carry it
Receivables
AccountsReceivableNetCurrent
balance at 2020-01-31$72.8M
10-Q 2020-06-04
$47.4M
10-K 2021-03-31
-34.9%first · latest · 4 filings carry it
Stockholders' equity
StockholdersEquity
balance at 2021-01-31$371M
10-K 2021-03-31
$345M
10-K 2024-04-03
-7.0%first · latest · 10 filings carry it

First filing reporting each period vs the latest filing carrying it (10-K and 10-Q only, periods since 2020, the extractor's winning tag per concept); a change under 0.5% is treated as rounding. A change can be a restatement, a reclassification or a re-tagging in a later comparative column; the two filings are linked so the reader can see which. Descriptive, not a verdict.

Notes by disclosure type

debt, leases, revenue, segments, contingencies, taxes and more · the filer's own words
Latest quarterly report10-Q FY2027 Q1 · filed 20260609View filing
Business combinations · 21 characters as filed

BUSINESS COMBINATIONS

BusinessCombinationDisclosureTextBlock

Commitments and contingencies · 1,192 characters as filed

NOTE 16 - CONTINGENCIES The Company is engaged in legal proceedings incidental to the normal course of business. Due to their nature, these legal proceedings involve inherent uncertainties, including but not limited to, court rulings, negotiations between affected parties and governmental intervention. Based upon the information available to the Company and discussions with legal counsel, the Company expects that the outcome of these various legal actions and claims will not have a material impact on its financial position, results of operations or cash flows. These matters, however, are subject to many uncertainties, and the outcome of any matter is not predictable. The Company has been named a co-defendant in a court case filed in Colorado district court, arising out of an accident that occurred during the transportation of a piece of Company owned equipment by an independent third-party contractor motor carrier. A reasonable estimate of the possible loss or range of loss cannot be made at this time. Management believes the range of reasonable possible losses, net of insurance recoveries, will not have a material effect on our results of operations or financial condition.

CommitmentsAndContingenciesDisclosureTextBlock

Revenue disaggregation · 940 characters as filed

The following tables present our revenue disaggregated by revenue source and segment: Three Months Ended April 30, 2026 Agriculture Construction Europe Australia Total (in thousands) Equipment $ 241,161 $ 39,140 $ 43,883 $ 40,470 $ 364,654 Parts 69,461 13,011 14,009 7,272 103,753 Service 32,323 6,983 2,045 2,417 43,768 Other 892 308 400 106 1,706 Revenue from contracts with customers 343,837 59,442 60,337 50,265 513,881 Rental 381 8,021 98 8,500 Total revenue $ 344,218 $ 67,463 $ 60,435 $ 50,265 $ 522,381 Three Months Ended April 30, 2025 Agriculture Construction Europe Australia Total (in thousands) Equipment $ 277,765 $ 46,684 $ 77,278 $ 35,113 $ 436,840 Parts 73,033 12,683 13,372 6,541 105,629 Service 32,419 6,790 2,625 2,183 44,017 Other 919 294 417 126 1,756 Revenue from contracts with customers 384,136 66,451 93,692 43,963 588,242 Rental 250 5,678 166 6,094 Total revenue $ 384,386 $ 72,129 $ 93,858 $ 43,963 $ 594,336

DisaggregationOfRevenueTableTextBlock · excerpt; the full note is in the filing

Fair value · 1,089 characters as filed

FAIR VALUE OF FINANCIAL INSTRUMENTS As of April 30, 2026, the fair value of the Company's foreign currency contracts, which are either assets or liabilities measured at fair value on a recurring basis, was not material. These foreign currency contracts were valued using a discounted cash flow analysis, which is an income approach, utilizing readily observable market data as inputs, which is classified as a Level 2 fair value measurement. The Company also has financial instruments that are not recorded at fair value in the Condensed Consolidated Balance Sheets, including cash, receivables, payables and long-term debt. The carrying amounts of these financial instruments approximated their fair values as of April 30, 2026 and January 31, 2026. The fair value of these financial instruments was estimated based on Level 2 fair value inputs. The estimated fair value of the Company's Level 2 long-term debt, which is provided for disclosure purposes only, is as follows: April 30, 2026 January 31, 2026 (in thousands) Carrying amount $ 167,117 $ 170,414 Fair value $ 154,484 $ 157,764

FairValueDisclosuresTextBlock

Income taxes · 119 characters as filed

INCOME TAXESThe effective tax rate was 1.1% and 23.6% for the three months ended April30, 2026 and 2025, respectively.

IncomeTaxDisclosureTextBlock · excerpt; the full note is in the filing

Long-term debt · 622 characters as filed

LONG TERM DEBT The following is a summary of the Company's long-term debt as of April 30, 2026 and January 31, 2026: Description Maturity Dates Interest Rates April 30, 2026 January 31, 2026 (in thousands) Mortgage loans, secured Various through May 2039 2.1% to 7.5% $ 139,959 $ 142,356 Sale-leaseback financing obligations December 2028 to December 2030 6.1% to 6.2% 9,498 9,561 Vehicle loans, secured Various through May 2031 2.1% to 7.6% 23,944 25,290 Other October 2026 to September 2028 5.8% to 6.7% 3,214 2,768 Total debt 176,615 179,975 Less: current maturities (26,112) (21,410) Long-term debt $ 150,503 $ 158,565

LongTermDebtTextBlock

Revenue recognition · 2,550 characters as filed

REVENUE Revenue is recognized when control of the promised goods or services is transferred to the customer, in an amount that reflects the consideration we expect to collect in exchange for those goods or services. Sales, value added and other taxes collected from our customers concurrent with our revenue activities are excluded from revenue. The following tables present our revenue disaggregated by revenue source and segment: Three Months Ended April 30, 2026 Agriculture Construction Europe Australia Total (in thousands) Equipment $ 241,161 $ 39,140 $ 43,883 $ 40,470 $ 364,654 Parts 69,461 13,011 14,009 7,272 103,753 Service 32,323 6,983 2,045 2,417 43,768 Other 892 308 400 106 1,706 Revenue from contracts with customers 343,837 59,442 60,337 50,265 513,881 Rental 381 8,021 98 8,500 Total revenue $ 344,218 $ 67,463 $ 60,435 $ 50,265 $ 522,381 Three Months Ended April 30, 2025 Agriculture Construction Europe Australia Total (in thousands) Equipment $ 277,765 $ 46,684 $ 77,278 $ 35,113 $ 436,840 Parts 73,033 12,683 13,372 6,541 105,629 Service 32,419 6,790 2,625 2,183 44,017 Other 919 294 417 126 1,756 Revenue from contracts with customers 384,136 66,451 93,692 43,963 588,242 Rental 250 5,678 166 6,094 Total revenue $ 384,386 $ 72,129 $ 93,858 $ 43,963 $ 594,336 Unbilled Receivables and Deferred Revenue Unbilled receivables from contracts with customers amounted to $28.2 million and $24.2 million as of April 30, 2026 and January 31, 2026, respectively. This increase in unbill

RevenueFromContractWithCustomerTextBlock · excerpt; the full note is in the filing

Segment reporting · 384 characters as filed

The Company has four reportable segments: Agriculture, Construction, Europe and Australia. Revenue between segments is immaterial. The Company retains various unallocated income/(expense) items and assets at the general corporate level, which the Company refers to as Shared Resources in the table below. Shared Resources assets primarily consist of cash and property and equipment.

SegmentReportingDisclosureTextBlock · excerpt; the full note is in the filing

Source: SEC DERA Financial Statement and Notes data sets (txt.tsv), excerpts of the filer's own note text; the full note is in the linked filing. Excerpts are the first part of each note exactly as tagged in the filing; open the filing for the full text and the tables. Descriptive and educational, not advice.

Fundamentals from SEC EDGAR. Scores, the DCF, and every model shown are educational analysis, not investment advice or price predictions.

Educational content only. Not financial advice. TrendNalysis provides educational and informational financial analysis built from public SEC filings and economic data (FRED, BLS). It is not financial, investment, tax, or legal advice and is not a recommendation to buy or sell any security. Market pricing is not currently included. Past performance does not guarantee future results. Always do your own research and consult a licensed financial professional before investing.