TruFin (GB:TRU)
LSE:TRU
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TruFin
(LSE:TRU)
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Rating:73Outperform
Price Target:
152.00 p
â–²(27.20% Upside)
Action:Reiterated
Date:03/20/26
The score is driven primarily by improved financial performance (profitability inflection, rapid revenue expansion, and near-zero debt), supported by a reasonable P/E valuation. Technical signals are neutral, with limited momentum and the price trading close to short-term averages, which tempers the overall rating.
Positive Factors
Strong revenue scale-up
Sustained, multi-year revenue expansion to ~£65.9m from ~£18.1m indicates durable demand and successful scaling. That top-line growth supports operating leverage, funds reinvestment, and reduces single-period dependency, strengthening medium-term competitive positioning.
Negative Factors
Volatile free cash flow
A sharp FCF decline even as earnings rose signals working-capital swings or non-cash distortions that can limit reinvestment, dividends, or debt paydown. Continued FCF volatility would undermine the apparent earnings quality and constrain strategic flexibility.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong revenue scale-up
Sustained, multi-year revenue expansion to ~£65.9m from ~£18.1m indicates durable demand and successful scaling. That top-line growth supports operating leverage, funds reinvestment, and reduces single-period dependency, strengthening medium-term competitive positioning.
Read all positive factors
TruFin (TRU) vs. iShares MSCI United Kingdom ETF (EWC)
Market Cap
£130.47M
Dividend YieldN/A
Average Volume (3M)195.20K
Price to Earnings (P/E)4.8
Beta (1Y)0.29
Revenue Growth19.95%
EPS Growth146.39%
CountryUK
Employees188
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)0.11
Shares Outstanding94,200,100
10 Day Avg. Volume240,804
30 Day Avg. Volume195,199
Financial Highlights & Ratios
PEG Ratio0.07
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)0.09
Revenue Forecast (FY)£66.12M
TruFin Business Overview & Revenue Model
Company Description
TruFin 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; publishi...
How the Company Makes Money
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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
Positive
119.50
Price Trends
131.36
Positive
126.33
Positive
118.89
Positive
Market Momentum
2.18
Positive
54.28
Neutral
22.22
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 119.5 is below the 20-day moving average (MA) of 136.75, below the 50-day MA of 131.36, and above the 200-day MA of 118.89, indicating a bullish trend. The MACD of 2.18 indicates Positive momentum. The RSI at 54.28 is Neutral, neither overbought nor oversold. The STOCH value of 22.22 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
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | £39.09M | 3.46 | 8.28% | ― | 5.19% | 14.53% | |
73 Outperform | £130.47M | 4.79 | 16.60% | ― | 19.95% | 146.39% | |
67 Neutral | £545.67M | 5.55 | 10.35% | 4.39% | 1.54% | -9.18% | |
60 Neutral | £230.86M | 5.94 | 9.68% | 5.33% | -7.08% | 32.38% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
55 Neutral | £388.38M | 2.38 | 21.54% | ― | 37.60% | 2766.67% | |
53 Neutral | £276.46M | 24.71 | 1.89% | ― | 0.07% | ― |
* General Sector Average
GB:TRU
TruFin
138.00
52.00
60.47%
GB:TIME
Time Finance plc
41.75
-17.25
-29.24%
GB:IPF
International Personal Finance
247.50
99.20
66.89%
GB:VANQ
Vanquis Banking Group
109.00
26.20
31.64%
GB:SUS
S&U plc
1,960.00
523.71
36.46%
GB:FCH
Funding Circle Holdings
135.80
24.60
22.12%
TruFin Corporate Events
Regulatory Filings and ComplianceShareholder Meetings
TruFin Publishes 2026 AGM Notice and Opens Shareholder Engagement
Neutral
May 11, 2026
TruFin plc has published its 2026 Annual General Meeting notice and Form of Proxy on its website and mailed them to registered shareholders, alongside its Annual Report and Accounts for the year ended 31 December 2025. The AGM will take place on 1...
Business Operations and StrategyRegulatory Filings and Compliance
TruFin Updates Market on LTIP Block Admission and Share Allotments
Neutral
Apr 17, 2026
TruFin plc reported its six-monthly block admission update for its Long Term Incentive Plan, confirming that 25,000 ordinary shares were issued under the scheme between 17 October 2025 and 16 April 2026. Following these issuances, 1,655,208 ordina...
Stock BuybackRegulatory Filings and Compliance
TruFin Cancels Repurchased Shares, Updates Total Voting Rights
Positive
Apr 2, 2026
TruFin plc has repurchased 15,000 of its own ordinary shares at an average price of 125 pence per share and intends to cancel them, modestly reducing its share count. Following this transaction, the company confirmed that it now has 94,200,107 ord...
Business Operations and StrategyStock BuybackRegulatory Filings and Compliance
TruFin Cancels Repurchased Shares, Updates Voting Rights Count
Positive
Apr 1, 2026
TruFin plc has repurchased 67,500 of its own ordinary shares at an average price of 124 pence per share and plans to cancel them, in a move that marginally reduces its share capital. Following this transaction, the company confirmed it now has 94,...
Stock Buyback
TruFin Cancels 40,000 Shares After Market Buyback
Positive
Mar 31, 2026
TruFin plc, a fintech-focused holding company active in early payment services, invoice finance and mobile games publishing, is listed on AIM under the ticker TRU and positions itself in niche, technology-driven markets. The company has repurchase...
Stock Buyback
TruFin Cancels 40,000 Shares After Market Buyback
Neutral
Mar 31, 2026
TruFin plc, a financial technology-focused holding company with operations in early payment services, invoice finance and mobile games publishing, has been listed on London’s AIM market since 2018 under the symbol TRU. Its portfolio is geare...
Stock Buyback
TruFin Cancels Repurchased Shares, Updates Total Voting Rights
Neutral
Mar 30, 2026
TruFin plc, a specialist in technology-enabled early payment solutions, invoice finance and mobile games publishing, operates as a growth-focused holding company listed on London’s AIM market under the ticker TRU. Its portfolio targets niche...
Business Operations and StrategyStock BuybackRegulatory Filings and Compliance
TruFin Cuts Share Capital with Market Buyback and Cancellation
Positive
Mar 24, 2026
TruFin plc has repurchased 59,050 of its own ordinary shares from the market at an average price of 121.06 pence per share and plans to cancel them, effectively reducing its share capital. Following this transaction, the company confirmed that it ...
Stock BuybackRegulatory Filings and Compliance
TruFin Cancels 50,000 Shares After Market Buyback
Neutral
Mar 23, 2026
TruFin plc, a technology-focused financial services and mobile gaming group listed on AIM, oversees businesses in early payment services, invoice financing and mobile game publishing targeting niche markets. The group aims to use its specialist pl...
Business Operations and StrategyStock BuybackFinancial Disclosures
TruFin boosts profits, accelerates buybacks after strong 2025
Positive
Mar 18, 2026
TruFin reported a strong 2025 performance, with group revenue up 20% to £65.9m and adjusted EBITDA jumping 66% to £12.6m, underscoring the operational leverage in its portfolio. A sharp profit improvement, higher margins and year-end cas...
Business Operations and StrategyFinancial Disclosures
TruFin Sets Date for 2025 Results and Opens Investor Presentation
Positive
Mar 5, 2026
TruFin plc will publish its audited final results for the year ended 31 December 2025 on 18 March 2026, and will accompany the release with a live online presentation by chief executive James van den Bergh. The session, hosted on the Investor Meet...
Business Operations and StrategyFinancial Disclosures
TruFin Sets Date for 2025 Results and Investor Presentation
Neutral
Mar 5, 2026
TruFin plc will publish its audited final results for the year ended 31 December 2025 on 18 March 2026, marking an important disclosure point for investors monitoring its financial performance. The company is pairing the release with a live online...
Stock BuybackRegulatory Filings and Compliance
TruFin Cancels Repurchased Shares, Updates Voting Rights Figure
Positive
Mar 3, 2026
TruFin plc, the AIM-quoted holding company for technology businesses in early payment services, invoice finance and mobile games publishing, focuses on niche, growth-oriented markets across financial technology and digital entertainment. Listed in...
Business Operations and StrategyStock BuybackRegulatory Filings and Compliance
TruFin Cancels 250,000 Shares After Market Buyback
Positive
Feb 27, 2026
TruFin has repurchased 250,000 of its own ordinary shares at an average price of 120 pence each and intends to cancel them, marginally reducing its share capital. Following this transaction, the company reports that it now has 94,490,085 ordinary ...
Business Operations and StrategyStock Buyback
TruFin Cancels Large Share Buyback, Sets New Voting Share Base
Positive
Feb 23, 2026
TruFin plc has repurchased 908,948 of its own ordinary shares at an average price of 125 pence per share and plans to cancel them, in a move that reduces its share count and may enhance earnings per share for remaining investors. The buyback volum...
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.