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TruFin (GB:TRU)
LSE:TRU

TruFin (TRU) AI Stock Analysis

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GB

TruFin

(LSE:TRU)

Rating:75Outperform
Price Target:
100.00p
▲(12.36%Upside)
TruFin's strong financial turnaround, strategic corporate actions, and reasonable valuation contribute positively to its stock score. Technical indicators suggest caution due to potential overbought signals. The company's proactive buyback strategy reinforces confidence in its future performance.

TruFin (TRU) vs. iShares MSCI United Kingdom ETF (EWC)

TruFin Business Overview & Revenue Model

Company DescriptionTruFin plc provides financing services in the United Kingdom. The company operates through four segments: Short Term Finance, Payment Services, Publishing, and Other. It engages in distribution of finance products and invoice discounting; publishing of computer and video games; and investment activities. The company also offers early payment services to the public and private sectors; working capital finance and technology solutions to SMEs; and publishing and financing services to the mobile game and console sectors. In addition, it engages in develops, publishes, and sells electronic games; and provides market research information services. The company was incorporated in 2017 and is based in London, the United Kingdom.
How the Company Makes MoneyTruFin generates revenue through multiple streams associated with its specialized financial services. The company earns money primarily from interest income on loans provided through its lending platforms. Additionally, TruFin's early payment services generate revenue by offering businesses the ability to access funds from their invoices before the due date for a fee. The company also partners with firms in the gaming and leisure industries, providing payment solutions and earning transaction-based fees. Strategic partnerships and collaborations enhance TruFin's market reach and contribute to its financial growth.

TruFin Financial Statement Overview

Summary
TruFin demonstrates a solid financial turnaround with strong revenue growth, improved profitability, and robust cash flow generation. The balance sheet is healthy with low leverage, supporting future growth. Sustained operational efficiency is essential to maintain this trajectory.
Income Statement
75
Positive
TruFin demonstrated strong revenue growth with a substantial increase in total revenue from 2023 to 2024, achieving a growth rate of 203.1%. The gross profit margin improved significantly to 27.4%, indicating enhanced operational efficiency. The net profit margin turned positive at 8.8%, marking a notable turnaround from previous losses. However, EBIT remains at zero, suggesting challenges in core operational profitability. EBITDA margin improved to 13.4%, reflecting better operational cash flow generation.
Balance Sheet
70
Positive
The company has a healthy equity base with a debt-to-equity ratio of 0.10, indicating low leverage and reduced financial risk. The return on equity (ROE) is 11.5%, showcasing effective utilization of shareholder capital to generate profits. The equity ratio stands at 59.8%, highlighting a solid financial structure with a high proportion of equity financing. While the balance sheet is strong, the company must maintain its low leverage to ensure ongoing financial stability.
Cash Flow
85
Very Positive
TruFin's cash flow performance is commendable, with substantial improvement in operating cash flow to net income ratio, reflecting robust cash generation from operations. The free cash flow turned positive in 2024, showing a significant recovery from previous negative figures, with a growth rate of 151.1%. The free cash flow to net income ratio indicates efficient conversion of profits into cash. The strong cash position supports future growth and investment opportunities.
BreakdownDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue54.95M18.13M16.12M13.12M14.83M
Gross Profit15.04M3.92M8.56M5.23M6.98M
EBITDA7.34M-4.23M-5.71M-6.77M-7.60M
Net Income4.84M-6.47M-6.64M-7.07M-10.97M
Balance Sheet
Total Assets70.41M50.68M65.49M50.73M57.57M
Cash, Cash Equivalents and Short-Term Investments14.87M10.14M10.27M7.61M17.73M
Total Debt4.17M7.20M18.55M12.98M10.71M
Total Liabilities26.87M12.74M25.39M18.28M17.83M
Stockholders Equity42.13M35.55M34.23M31.43M38.47M
Cash Flow
Free Cash Flow6.97M-13.64M-7.98M-11.10M-6.93M
Operating Cash Flow13.85M-7.95M-4.71M-9.30M-4.99M
Investing Cash Flow-6.89M-4.71M-12.50M-3.27M11.11M
Financing Cash Flow-2.20M12.46M19.87M2.50M4.55M

TruFin Technical Analysis

Technical Analysis Sentiment
Positive
Last Price89.00
Price Trends
50DMA
85.70
Positive
100DMA
81.69
Positive
200DMA
76.18
Positive
Market Momentum
MACD
0.71
Positive
RSI
60.70
Neutral
STOCH
66.67
Neutral
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 89 is above the 20-day moving average (MA) of 88.80, above the 50-day MA of 85.70, and above the 200-day MA of 76.18, indicating a bullish trend. The MACD of 0.71 indicates Positive momentum. The RSI at 60.70 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
UnderperformOutperform
Sector (50)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
76
Outperform
£72.04M5.2713.00%26.02%340.22%
GBTRU
75
Outperform
$92.69M19.4712.58%203.09%
74
Outperform
£55.97M10.737.96%21.71%31.07%
74
Outperform
£12.28M5.2311.96%1.77%17.87%52.54%
50
Neutral
C$2.96B1.81-63.12%2.57%11.24%-12.42%
49
Neutral
£2.72M-1088.89%31.87%
£2.31M
* Technology Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
GB:TRU
TruFin
89.00
13.00
17.11%
GB:TIME
Time Finance plc
60.50
10.20
20.28%
GB:ORCH
Orchard Funding
56.50
27.20
92.83%
GB:LEND
Sancus Lending Group
0.48
-0.06
-11.11%
GB:ZAIM
Zaim Credit Systems Plc
4.50
0.00
0.00%
GB:DFCH
Distribution Finance Capital Holdings Plc
42.00
9.50
29.23%

TruFin Corporate Events

Stock BuybackBusiness Operations and StrategyRegulatory Filings and Compliance
TruFin Acquires and Cancels Significant Share Volume
Neutral
Jul 11, 2025

TruFin plc announced the acquisition of 150,000 of its own ordinary shares at an average price of 89.50 pence per share, with the intention to cancel them. This transaction exceeded 50% of the average daily trading volume on the London Stock Exchange over the past 20 days, highlighting the company’s strategic move to manage its share capital. The total number of ordinary shares with voting rights now stands at 103,994,774, which is relevant for shareholders to determine their notification requirements under the Financial Conduct Authority’s rules.

Stock Buyback
TruFin Acquires and Cancels 50,000 Ordinary Shares
Neutral
Jul 10, 2025

TruFin plc announced the acquisition of 50,000 of its own ordinary shares at an average price of 88.75 pence per share, with plans to cancel these shares. This transaction adjusts the total number of ordinary shares with voting rights to 104,144,774, which is relevant for shareholders to determine their notification requirements under the Financial Conduct Authority’s rules.

Stock BuybackRegulatory Filings and Compliance
TruFin Acquires and Cancels Own Shares, Adjusts Voting Rights
Neutral
Jul 7, 2025

TruFin plc has announced the acquisition of 82,665 of its own ordinary shares at an average price of 88.00 pence per share, with plans to cancel these shares. This transaction affects the total number of ordinary shares with voting rights, now totaling 104,194,774, which shareholders can use to determine their notification requirements under the Financial Conduct Authority’s rules.

Stock Buyback
TruFin Acquires and Cancels 40,000 Ordinary Shares
Neutral
Jul 4, 2025

TruFin plc announced the acquisition of 40,000 of its own Ordinary Shares, which it plans to cancel. This transaction affects the total number of shares with voting rights, now totaling 104,277,439. This move may impact shareholders’ calculations regarding their interests under the Financial Conduct Authority’s rules.

Stock BuybackBusiness Operations and Strategy
TruFin Acquires and Cancels Significant Share Volume
Positive
Jul 1, 2025

TruFin plc announced the acquisition of 180,000 of its own Ordinary Shares at an average price of 87.86 pence per share, with the intention to cancel them. This purchase exceeded 50% of the average daily traded volume on the London Stock Exchange over the prior 20 trading days, reflecting a strategic move to manage its share capital and potentially enhance shareholder value. The total number of Ordinary Shares with voting rights is now 104,317,439, which shareholders can use for interest notification calculations under the Financial Conduct Authority’s rules.

Stock BuybackRegulatory Filings and Compliance
TruFin Acquires and Cancels Own Shares, Adjusting Voting Rights
Neutral
Jun 30, 2025

TruFin plc announced the acquisition of 93,493 of its own ordinary shares at an average price of 88.50 pence per share, with plans to cancel these shares. This transaction affects the total number of ordinary shares with voting rights, now standing at 104,497,439, which is relevant for shareholders’ interest notifications under the Financial Conduct Authority’s rules.

Stock Buyback
TruFin Announces Share Buyback and Cancellation
Neutral
Jun 27, 2025

TruFin has announced the acquisition of 94,391 of its own ordinary shares at an average price of 88.00 pence per share, with plans to cancel these shares. This transaction affects the total number of ordinary shares with voting rights, now totaling 104,590,932, which is relevant for shareholders under the Financial Conduct Authority’s rules.

Stock BuybackRegulatory Filings and Compliance
TruFin Acquires and Cancels Own Shares, Adjusts Voting Rights
Neutral
Jun 26, 2025

TruFin plc announced the acquisition of 51,500 of its own ordinary shares at an average price of 88.00 pence per share, with plans to cancel these shares. This transaction affects the total number of voting rights, now standing at 104,685,323 shares, which shareholders can use to determine their notification requirements under the Financial Conduct Authority’s rules.

Stock Buyback
TruFin Acquires and Cancels Significant Share Volume
Neutral
Jun 24, 2025

TruFin plc announced the acquisition of 205,000 of its own Ordinary Shares at an average price of 88.00 pence per share, with the intention to cancel these shares. This transaction exceeded 50% of the average daily traded volume on the London Stock Exchange over the preceding 20 trading days. The total number of Ordinary Shares with voting rights in TruFin is now 104,736,823, which shareholders can use to determine their interest in the company under the Financial Conduct Authority’s rules.

Stock BuybackRegulatory Filings and Compliance
TruFin Acquires and Cancels Own Shares, Adjusts Voting Rights
Neutral
Jun 20, 2025

TruFin plc announced the acquisition of 64,250 of its own ordinary shares at an average price of 89.00 pence per share, with plans to cancel these shares. This transaction affects the total number of shares with voting rights, now totaling 104,941,823, which is relevant for shareholders under the Financial Conduct Authority’s rules.

Stock BuybackRegulatory Filings and Compliance
TruFin Acquires and Cancels Own Shares, Adjusting Voting Rights
Neutral
Jun 17, 2025

TruFin plc announced the acquisition of 28,985 of its own ordinary shares at an average price of 88.00 pence per share, with plans to cancel these shares. This transaction affects the total number of ordinary shares with voting rights, which now stands at 105,006,073, influencing shareholders’ calculations for interest notifications under the Financial Conduct Authority’s rules.

Stock Buyback
TruFin Acquires and Cancels 61,000 Shares
Neutral
Jun 16, 2025

TruFin plc announced the acquisition of 61,000 of its own ordinary shares at an average price of 88.90 pence per share, with plans to cancel these shares. This transaction affects the total number of shares with voting rights, now standing at 105,035,058, which is relevant for shareholders assessing their interests under the Financial Conduct Authority’s rules.

Regulatory Filings and Compliance
Gresham House Increases Stake in TruFin PLC
Neutral
Jun 13, 2025

TruFin PLC, a company involved in financial services, has announced a change in its voting rights structure. Gresham House Asset Management Ltd has increased its voting rights in TruFin PLC to 19%, up from a previous 18.35%, indicating a significant shift in shareholder influence within the company.

Stock BuybackRegulatory Filings and Compliance
TruFin Acquires and Cancels Own Shares, Adjusts Voting Rights
Neutral
Jun 12, 2025

TruFin plc announced the acquisition of 122,862 of its own ordinary shares at an average price of 89.25 pence per share, with plans to cancel these shares. This transaction affects the total number of shares with voting rights, now standing at 105,096,058, which is relevant for shareholder notifications under the Financial Conduct Authority’s rules.

Stock BuybackRegulatory Filings and Compliance
TruFin Announces Share Buyback and Voting Rights Update
Neutral
Jun 11, 2025

TruFin plc has repurchased 118,792 of its own ordinary shares at an average price of 89.50 pence per share, with the intention to cancel them. This transaction affects the total number of voting shares, now standing at 105,218,920, which shareholders can use to assess their notification requirements under financial regulations.

Stock BuybackRegulatory Filings and Compliance
TruFin Announces Share Buyback and Voting Rights Update
Neutral
Jun 10, 2025

TruFin plc has repurchased 93,975 of its own ordinary shares at an average price of 89.88 pence per share, with the intention of cancelling them. This transaction affects the total number of ordinary shares with voting rights, now totaling 105,337,712, and may impact shareholder calculations under the Financial Conduct Authority’s rules.

Stock BuybackBusiness Operations and Strategy
TruFin Acquires and Cancels Significant Volume of Own Shares
Neutral
Jun 9, 2025

TruFin plc has announced the acquisition of 150,000 of its own ordinary shares, which it plans to cancel, exceeding 50% of the average daily traded volume on the London Stock Exchange over the prior 20 trading days. This strategic move, executed with the discretion of Panmure Liberum, impacts the total voting rights, which now stand at 105,431,687 ordinary shares, and may influence shareholder notifications under the Financial Conduct Authority’s rules.

Stock Buyback
TruFin Announces Share Buyback and Cancellation
Neutral
Jun 6, 2025

TruFin plc announced the acquisition of 50,000 of its own Ordinary Shares at an average price of 90.00 pence per share, with plans to cancel these shares. This transaction affects the total number of voting shares, which now stands at 105,581,687, impacting shareholder calculations under the Financial Conduct Authority’s rules.

Stock BuybackRegulatory Filings and Compliance
TruFin Acquires and Cancels 20,000 Shares, Adjusting Voting Rights
Neutral
Jun 5, 2025

TruFin plc announced the acquisition of 20,000 of its own ordinary shares at an average price of 89.70 pence per share, with plans to cancel these shares. This transaction affects the total number of voting rights, now at 105,631,687 shares, which shareholders can use for regulatory notification purposes under the Financial Conduct Authority’s rules.

Stock Buyback
TruFin Announces Significant Share Buyback and Cancellation
Neutral
Jun 4, 2025

TruFin plc has repurchased 200,000 of its own Ordinary Shares at an average price of 90.00 pence per share, a volume exceeding 50% of the average daily traded volume on the London Stock Exchange over the past 20 trading days. The company plans to cancel these shares, impacting the total voting rights and potentially affecting shareholder calculations under the Financial Conduct Authority’s rules.

Stock BuybackRegulatory Filings and Compliance
TruFin Announces Share Repurchase and Voting Rights Update
Neutral
Jun 2, 2025

TruFin plc has repurchased 75,000 of its own shares at an average price of 89.07 pence per share, with plans to cancel these shares. This transaction affects the total voting rights, which now stand at 105,851,687 shares, impacting shareholder calculations under the Financial Conduct Authority’s rules.

Stock Buyback
TruFin Acquires and Cancels 45,000 Shares
Neutral
May 30, 2025

TruFin plc announced the acquisition of 45,000 of its own ordinary shares at an average price of 89.50 pence per share, with plans to cancel these shares. This transaction affects the total number of voting shares, which stands at 105,926,687, and may impact shareholder calculations under the Financial Conduct Authority’s rules.

Stock BuybackRegulatory Filings and Compliance
TruFin Acquires and Cancels Own Shares, Adjusting Voting Rights
Neutral
May 28, 2025

TruFin plc announced the acquisition of 15,000 of its own ordinary shares at an average price of 89.00 pence per share, with plans to cancel these shares. This transaction affects the total number of ordinary shares with voting rights, now totaling 105,971,687, which is relevant for shareholders calculating their interests under the Financial Conduct Authority’s rules.

Stock Buyback
TruFin PLC Launches £4 Million Share Buyback Programme
Positive
May 22, 2025

TruFin PLC has announced the initiation of a share buyback programme, aiming to purchase up to £4 million worth of its ordinary shares. This decision is driven by the board’s belief that the company’s shares are undervalued, and the buyback is intended to enhance shareholder returns and reduce share capital. The programme will be managed by Panmure Liberum Limited and is set to continue until the maximum amount is reached or until August 31, 2025, with the possibility of extension following the company’s 2025 AGM.

Business Operations and Strategy
TruFin PLC Sees Change in Major Shareholder Holdings
Neutral
May 20, 2025

TruFin PLC, a UK-based company, has announced a change in its major holdings. Premier Miton Group plc has reduced its voting rights in TruFin from 6.70% to 4.85% as of May 16, 2025. This change may impact TruFin’s shareholder dynamics and could influence the company’s strategic decisions moving forward.

Stock BuybackFinancial Disclosures
TruFin Exceeds 2025 Financial Expectations and Announces Share Buyback
Positive
May 20, 2025

TruFin has announced an expected financial performance for 2025 that exceeds market expectations, driven by strong results from its mobile games, particularly Balatro, Abiotic Factor, and DarkWater. The company reported gross revenue of at least £25m for the first four months of 2025 and plans a share buyback program of up to £4m, citing excess capital and undervalued share prices. This move aims to enhance shareholder returns and reflects confidence in the company’s future outlook.

Shareholder Meetings
TruFin Announces 2025 Annual General Meeting Details
Neutral
May 13, 2025

TruFin has announced the availability of the Notice of its 2025 Annual General Meeting and the 2025 Form of Proxy on its website, with both documents also sent to registered shareholders. The meeting is scheduled for 12 June 2025 at Panmure Liberum’s offices in London. Shareholders are encouraged to exercise their voting rights through various proxy appointment methods, and they can submit questions to the Board ahead of the meeting. This announcement underscores TruFin’s commitment to engaging with its shareholders and ensuring transparency in its governance processes.

Other
TruFin PLC Announces Change in Major Shareholder Holdings
Neutral
May 1, 2025

TruFin PLC, a non-UK issuer, has announced a change in its major holdings, with Perpetual Limited crossing a significant threshold in its voting rights. The notification reveals that Perpetual Limited now holds 3.047% of the voting rights attached to TruFin’s shares, up from a previous position of 2.929%. This change in holdings could impact TruFin’s shareholder dynamics and influence its strategic decisions.

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.Date of analysis: Jul 01, 2025