TruFin AI Stock Analysis
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TruFin (TRU) AI Stock Analysis
TruFin
(LSE:TRU)
The overall score is driven primarily by TruFin’s strong financial turnaround, combining rapid revenue growth, the move to solid profitability, and an almost debt-free balance sheet, albeit with a still-volatile history of margins and cash flows. The valuation is another key positive, with a relatively low P/E multiple that does not seem to fully reflect the improved fundamentals despite the lack of a dividend. Technicals provide additional support, as the price trades above rising moving averages with constructive momentum signals and low market volatility, though mixed short-term indicators temper the score slightly. Together, these factors justify an above-average but not top-tier rating.
TruFin (TRU) vs. iShares MSCI United Kingdom ETF (EWC)
- Market Cap
- GBP 46.13M
- Dividend Yield
- 0.88%
- Average Volume (3M)
- 161.15K
- Price to Earnings (P/E)
- 27.8
- Beta (1Y)
- 0.20
- Revenue Growth
- -45.36%
- EPS Growth
- -57.96%
- Country
- UK
- Employees
- 164
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Financial - Credit Services
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 ca...
How the Company Makes Money
TruFin primarily makes money by earning rewards from staking digital assets on proof-of-stake blockchains. In this model, the company commits crypto assets to network staking (directly or through staking infrastructure) and receives protocol-issued r...
TruFin Financial Statement Overview
Summary
TruFin shows a strong financial turnaround, with revenue more than quadrupling since 2022, a shift from losses to solid operating and net profit margins, near-zero financial debt, and much improved cash generation. However, the track record is still relatively short and key metrics like margins and cash flow remain volatile, so the performance is attractive but not fully de-risked.
Income Statement
82Very PositiveBalance Sheet
88Very PositiveCash Flow
75Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 35.85M | 65.92M | 54.95M | 18.13M | 16.12M | 13.12M |
| Gross Profit | 11.07M | 22.13M | 15.04M | 3.92M | 8.56M | 5.23M |
| EBITDA | 6.29M | 11.77M | 7.34M | -4.23M | -5.71M | -6.77M |
| Net Income | 3.14M | 11.64M | 4.84M | -6.47M | -6.64M | -7.07M |
Balance Sheet | ||||||
| Total Assets | 128.83M | 62.34M | 70.41M | 50.68M | 65.49M | 50.73M |
| Cash, Cash Equivalents and Short-Term Investments | 113.81M | 12.36M | 14.87M | 10.14M | 10.27M | 7.61M |
| Total Debt | 0 | 3,000 | 4.17M | 7.20M | 18.55M | 12.98M |
| Total Liabilities | 4.92M | 14.17M | 26.87M | 12.74M | 25.39M | 18.28M |
| Stockholders Equity | 123.86M | 49.58M | 42.13M | 35.55M | 34.23M | 31.43M |
Cash Flow | ||||||
| Free Cash Flow | 9.76M | 10.44M | 6.97M | -3.70M | -7.98M | -11.10M |
| Operating Cash Flow | 9.78M | 10.46M | 13.85M | -3.66M | -4.71M | -9.30M |
| Investing Cash Flow | 99.36M | -851.00K | -6.89M | -4.71M | -12.50M | -3.27M |
| Financing Cash Flow | -13.23M | -12.35M | -2.20M | 12.46M | 14.44M | 2.40M |
TruFin Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:TRU, the sentiment is Positive. The current price of 85.60 is above the 20-day moving average (MA) of 76.38, above the 50-day MA of 73.00, and above the 200-day MA of 68.48, indicating a bullish trend. The MACD of 3.08 indicates Negative momentum. The RSI at 73.66 is Negative, neither overbought nor oversold. The STOCH value of -14.65 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GB:TRU.
TruFin Peers Comparison
Overall Rating
- GB:TRU83Outperform
GB:TIME79Outperform
GB:FCH69Neutral
GB:SUS61Neutral
GB:VANQ51Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| GB:TRU | 83Outperform | GBP 46.13M | 27.79 | 3.62% | 0.88% | -45.36% | -57.96% |
| GB:TIME | 79Outperform | GBP 54.49M | 8.66 | 8.18% | ― | 3.69% | 6.25% |
| GB:FCH | 69Neutral | GBP 688.65M | 12.01 | 26.71% | ― | 52.96% | 242.50% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| GB:SUS | 61Neutral | GBP 238.15M | 9.95 | 9.55% | 5.92% | 5.62% | 19.68% |
| GB:VANQ | 51Neutral | GBP 111.60M | 10.26 | 2.20% | ― | 6.21% | ― |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| GB:TRU | Trufin Plc | 85.60 | 29.20 | 51.77% | |
| GB:TIME | Time Finance plc | 58.90 | 8.90 | 17.80% | |
| GB:VANQ | Vanquis Banking Group plc | 44.00 | -68.80 | -60.99% | |
| GB:SUS | S&U plc | 1960.00 | 184.25 | 10.38% | |
| GB:FCH | Funding Circle Holdings | 250.00 | 126.60 | 102.59% |
TruFin Corporate Events
TruFin CEO Increases Stake with Purchase of Additional Shares
PositiveTruFin plc operates as a technology-led financial services group, with subsidiaries focused on early payment provision and invoice finance in niche markets. Listed on AIM since 2018 under the ticker TRU, the company is positioned within the fintech s...
TruFin CEO boosts stake with AIM share purchase
PositiveTruFin plc has disclosed that Chief Executive Officer James van den Bergh has purchased 25,000 ordinary shares in the company at 98 pence per share on AIM. The transaction increases his beneficial holding to 644,934 shares, representing about 1.20 pe...
TruFin CEO increases stake with additional share purchase
PositiveTruFin’s chief executive officer, James van den Bergh, has increased his stake in the company through the purchase of 30,000 ordinary shares on AIM at an average price of 97.57 pence per share. Following this transaction, he beneficially holds 619,93...
TruFin CEO Increases Stake with Additional Share Purchases
PositiveTruFin plc reported that its chief executive officer, James van den Bergh, has increased his stake in the company through on-market purchases of ordinary shares on AIM. The transactions, executed at prices around 99p per share, totalled 173,629 share...
TruFin CEO Boosts Stake with Purchase of 150,000 Shares
PositiveTruFin plc has disclosed that its Chief Executive Officer, James van den Bergh, has purchased 150,000 ordinary shares in the company on the AIM market of the London Stock Exchange over two days, at an aggregated price of 94.4 pence per share. Followi...
TruFin boosts earnings, exits Playstack and accelerates capital returns
PositiveTruFin reported a strong first half to 30 June 2026, with group gross revenue from continuing operations up 11% to £5.9m and net revenue up 17% to £5.3m, while adjusted EBITDA swung to a £0.5m profit from a small loss a year earlier. Loss before tax...
TruFin to Publish Interim Results and Host Investor Presentation
PositiveTruFin 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, t...
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.
Date of analysis: Aug 25, 2026