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TruFin
(LSE:TRU)
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Rating:79Outperform
Price Target:
117.00 p
▲(16.77% Upside)
Action:Reiterated
Date:08/25/26
The score is driven primarily by the financial turnaround (strong profitability and a much cleaner balance sheet) and supportive technical uptrend. Valuation also helps with a low P/E, while large capital-return actions are a positive catalyst; the main constraint is earnings and cash-flow volatility (including weaker 2025 FCF despite higher profit).
Positive Factors
Rapid Revenue Growth
Revenue expansion from roughly £18.1m to £65.9m in two years indicates meaningful business scaling and stronger market activity. If maintained, this growth can support operating leverage, broaden the earnings base, and provide more resources for future investment.
Negative Factors
Free Cash Flow Volatility
The sharp 2025 free-cash-flow decline despite higher earnings raises questions about earnings-to-cash conversion and the durability of current cash generation. Persistent cash burn in 2020–2023 further shows that funding capacity has not been consistently stable.
Read all positive and negative factors
Positive Factors
Negative Factors
Rapid Revenue Growth
Revenue expansion from roughly £18.1m to £65.9m in two years indicates meaningful business scaling and stronger market activity. If maintained, this growth can support operating leverage, broaden the earnings base, and provide more resources for future investment.
Read all positive factors
TruFin (TRU) vs. iShares MSCI United Kingdom ETF (EWC)
Market Cap
£49.31M
Dividend Yield0.43%
Average Volume (3M)1.56M
Price to Earnings (P/E)8.0
Beta (1Y)0.10
Revenue Growth19.95%
EPS Growth146.39%
CountryUK
Employees164
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)0.11
Shares Outstanding53,887,210
10 Day Avg. Volume104,674
30 Day Avg. Volume1,564,787
Financial Highlights & Ratios
PEG Ratio0.08
Price to Book (P/B)2.46
Price to Sales (P/S)1.85
P/FCF Ratio11.68
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)0.07
Revenue Forecast (FY)£68.60M
TruFin Business Overview & Revenue Model
Company Description
TruFin plc, a London-based company incorporated in 2017, delivers a diverse array of financial services within the United Kingdom. Its operations are structured across four distinct segments: Short Term Finance, Payment Services, Publishing, and a...
TruFin Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
86
Very Positive
Cash Flow
73
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 65.92M | 54.95M | 18.13M | 16.12M | 13.12M |
| Gross Profit | 22.13M | 15.04M | 3.92M | 8.56M | 5.23M |
| EBITDA | 11.77M | 7.34M | -4.23M | -5.71M | -6.77M |
| Net Income | 11.64M | 4.84M | -6.47M | -6.64M | -7.07M |
Balance Sheet | |||||
| Total Assets | 62.34M | 70.41M | 50.68M | 65.49M | 50.73M |
| Cash, Cash Equivalents and Short-Term Investments | 12.36M | 14.87M | 10.14M | 10.27M | 7.61M |
| Total Debt | 3.00K | 4.17M | 7.20M | 18.55M | 12.98M |
| Total Liabilities | 14.17M | 26.87M | 12.74M | 25.39M | 18.28M |
| Stockholders Equity | 49.58M | 42.13M | 35.55M | 34.23M | 31.43M |
Cash Flow | |||||
| Free Cash Flow | 10.44M | 6.97M | -3.70M | -7.98M | -11.10M |
| Operating Cash Flow | 10.46M | 13.85M | -3.66M | -4.71M | -9.30M |
| Investing Cash Flow | -851.00K | -6.89M | -4.71M | -12.50M | -3.27M |
| Financing Cash Flow | -12.35M | -2.20M | 12.46M | 14.44M | 2.40M |
TruFin Technical Analysis
Negative
100.20
Price Trends
96.11
Negative
94.86
Negative
89.72
Positive
Market Momentum
-1.73
Positive
31.43
Neutral
13.75
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:TRU, the sentiment is Negative. The current price of 100.2 is above the 20-day moving average (MA) of 97.88, above the 50-day MA of 96.11, and above the 200-day MA of 89.72, indicating a neutral trend. The MACD of -1.73 indicates Positive momentum. The RSI at 31.43 is Neutral, neither overbought nor oversold. The STOCH value of 13.75 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for GB:TRU.
TruFin Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | £49.31M | 8.01 | 24.15% | 0.43% | 19.95% | 146.39% | |
74 Outperform | £53.38M | 8.72 | 8.28% | 5.58% | 5.19% | 14.53% | |
64 Neutral | £243.02M | 10.26 | 9.68% | 5.75% | -7.08% | 32.38% | |
57 Neutral | £195.05M | 17.79 | 2.20% | 12.35% | 6.21% | ― | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
55 Neutral | £594.46M | 9.47 | 26.71% | ― | 52.96% | 242.50% |
* General Sector Average
GB:TRU
TruFin
91.50
17.39
23.46%
GB:TIME
Time Finance plc
57.70
4.20
7.85%
GB:VANQ
Vanquis Banking Group
76.30
-29.10
-27.61%
GB:SUS
S&U plc
2,000.00
291.61
17.07%
GB:FCH
Funding Circle Holdings
197.20
79.00
66.84%
TruFin Corporate Events
Business Operations and StrategyFinancial Disclosures
TruFin to Publish Interim Results and Host Investor Presentation
Positive
Sep 3, 2026
TruFin plc, a specialist fintech group focused on early payment provision and invoice finance, operates as a holding company for two technology-driven businesses serving niche funding and working-capital markets. Listed on AIM under the ticker TRU...
Stock BuybackRegulatory Filings and Compliance
TruFin Updates Share Capital and Total Voting Rights After Cancellation
Neutral
Jul 31, 2026
TruFin has updated its capital structure and total voting rights following a recent share cancellation and option exercise. After cancelling 40,579,562 ordinary shares and issuing 266,666 new shares under an existing block admission, the company&#...
Stock BuybackRegulatory Filings and Compliance
TruFin Updates Total Voting Rights After Share Cancellation and Option Exercise
Neutral
Jul 31, 2026
TruFin plc has updated investors on its capital structure after cancelling 40,579,562 ordinary shares and issuing 266,666 new shares following the exercise of employee options. As of 31 July 2026, the company’s issued and fully paid share ca...
Dividends
TruFin Confirms £22.5m Special Dividend Following Tender Offer
Positive
Jul 28, 2026
TruFin plc has confirmed the value of a special dividend at £0.4303 per ordinary share, following the completion of its recent tender offer process. The special dividend reflects surplus capital being returned to investors, underscoring the c...
Stock BuybackShareholder Meetings
TruFin Wins Shareholder Backing for Major Tender Offer and Share Capital Reduction
Neutral
Jul 27, 2026
TruFin shareholders have approved key resolutions enabling a large tender offer and share repurchase, including a waiver under the UK Takeover Code for major shareholder Watrium AS. The vote authorises the company to buy back up to 40,579,562 ordi...
Business Operations and StrategyStock BuybackDividendsM&A TransactionsRegulatory Filings and Compliance
TruFin Plans £80m Capital Return and Reshapes Shareholder Structure
Positive
Jul 9, 2026
TruFin plc has outlined an £80 million capital return to shareholders following the £112.4 million cash disposal of Playstack Limited, combining a tender offer of up to £56.81 million and a special dividend of at least £23.19 m...
Business Operations and StrategyStock BuybackDividendsM&A Transactions
TruFin to Return £80 Million to Shareholders via Tender Offer and Special Dividend
Positive
Jun 12, 2026
TruFin plans to return £80 million to shareholders following the completion of its disposal of Playstack Limited, combining a tender offer of up to approximately £56.8 million at 140p per share with a special dividend of at least £2...
Business Operations and StrategyExecutive/Board ChangesStock BuybackShareholder Meetings
TruFin Wins Full Shareholder Backing at Ninth AGM
Positive
Jun 11, 2026
TruFin plc reported that all resolutions proposed at its ninth Annual General Meeting on 11 June 2026 were approved by shareholders, with around 75% of the issued share capital voting. The outcome confirms continuity in board leadership, including...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.