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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 54.70M
- Dividend Yield
- ―
- Average Volume (3M)
- 169.63K
- Price to Earnings (P/E)
- 33.0
- Beta (1Y)
- 0.10
- 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...
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 100.60 is below the 20-day moving average (MA) of 100.62, above the 50-day MA of 97.94, and above the 200-day MA of 92.87, indicating a bullish trend. The MACD of 0.89 indicates Negative momentum. The RSI at 62.07 is Neutral, neither overbought nor oversold. The STOCH value of 66.67 is Neutral, 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:TIME74Outperform
GB:FCH67Neutral
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 54.70M | 32.95 | 3.62% | ― | -45.36% | -57.96% |
| GB:TIME | 74Outperform | GBP 54.49M | 8.90 | 8.28% | ― | 5.19% | 14.53% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| GB:FCH | 67Neutral | GBP 571.83M | 9.94 | 26.71% | ― | 52.96% | 242.50% |
| GB:SUS | 61Neutral | GBP 228.43M | 9.54 | 9.55% | 6.17% | 5.62% | 19.68% |
| GB:VANQ | 51Neutral | GBP 109.32M | 10.05 | 2.20% | ― | 6.21% | ― |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| GB:TRU | Trufin Plc | 101.50 | 28.08 | 38.25% | |
| GB:TIME | Time Finance plc | 58.90 | 11.40 | 24.00% | |
| GB:VANQ | Vanquis Banking Group plc | 43.10 | -70.10 | -61.93% | |
| GB:SUS | S&U plc | 1880.00 | 222.32 | 13.41% | |
| GB:FCH | Funding Circle Holdings | 207.00 | 75.60 | 57.53% |
TruFin Corporate Events
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...
TruFin Updates Share Capital and Total Voting Rights After Cancellation
NeutralTruFin 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 company̵...
TruFin Updates Total Voting Rights After Share Cancellation and Option Exercise
NeutralTruFin 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 capit...
TruFin Confirms £22.5m Special Dividend Following Tender Offer
PositiveTruFin 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 comp...
TruFin Wins Shareholder Backing for Major Tender Offer and Share Capital Reduction
NeutralTruFin 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 ordinar...
TruFin Plans £80m Capital Return and Reshapes Shareholder Structure
PositiveTruFin 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 mill...
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