TruFin (GB:TRU)
LSE:TRU
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TruFin
(LSE:TRU)
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Rating:73Outperform
Price Target:
150.00 p
▲(25.52% 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
De‑risked balance sheet
Near‑zero reported debt and a materially larger equity base materially improve financial flexibility and reduce refinancing risk. This stronger capital structure supports strategic investment, M&A optionality and resilience to downturns, making the company more durable over the next 2–6 months and beyond.
Negative Factors
Free cash‑flow decline
A ~40% decline in free cash flow in 2025 despite higher reported earnings highlights weaker cash conversion and potential working‑capital or capex pressure. Persistent FCF volatility can constrain reinvestment, dividend capacity and create sensitivity to short‑term funding needs.
Read all positive and negative factors
Positive Factors
Negative Factors
De‑risked balance sheet
Near‑zero reported debt and a materially larger equity base materially improve financial flexibility and reduce refinancing risk. This stronger capital structure supports strategic investment, M&A optionality and resilience to downturns, making the company more durable over the next 2–6 months and beyond.
Read all positive factors
TruFin (TRU) vs. iShares MSCI United Kingdom ETF (EWC)
Market Cap
£126.70M
Dividend YieldN/A
Average Volume (3M)195.20K
Price to Earnings (P/E)11.8
Beta (1Y)0.24
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 Ratio0.08
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)0.1
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...
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
135.10
Negative
130.17
Positive
122.47
Positive
Market Momentum
>-0.01
Positive
49.71
Neutral
55.79
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 134.40, below the 50-day MA of 135.10, and below the 200-day MA of 122.47, indicating a neutral trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 49.71 is Neutral, neither overbought nor oversold. The STOCH value of 55.79 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 | £44.87M | 7.33 | 8.28% | ― | 5.19% | 14.53% | |
73 Outperform | £126.70M | 11.78 | 16.60% | ― | 19.95% | 146.39% | |
67 Neutral | £549.56M | 9.81 | 10.35% | 4.39% | 1.54% | -9.18% | |
60 Neutral | £240.59M | 10.15 | 9.68% | 5.33% | -7.08% | 32.38% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
55 Neutral | £414.65M | 975.15 | 21.54% | ― | 37.60% | 2766.67% | |
53 Neutral | £296.75M | 37.26 | 1.89% | ― | 0.07% | ― |
* General Sector Average
GB:TRU
TruFin
134.50
46.00
51.98%
GB:TIME
Time Finance plc
48.50
-14.00
-22.40%
GB:IPF
International Personal Finance
247.50
88.97
56.12%
GB:VANQ
Vanquis Banking Group
117.00
17.70
17.82%
GB:SUS
S&U plc
1,980.00
279.14
16.41%
GB:FCH
Funding Circle Holdings
145.20
19.00
15.06%
TruFin Corporate Events
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...
Business Operations and StrategyM&A TransactionsShareholder Meetings
TruFin Wins Shareholder Backing for Playstack Sale and Plans Capital Return
Positive
Jun 8, 2026
TruFin shareholders have approved the sale of the group’s 84.5% stake in Playstack Limited, a mobile and video games publisher, to VantageCo Limited, marking a fundamental change of business under AIM Rule 15 and paving the way for completio...
Business Operations and StrategyStock BuybackM&A TransactionsShareholder Meetings
TruFin to Sell Playstack for £125m and Plan £70m Capital Return
Positive
May 21, 2026
TruFin has agreed to sell its 84.5% stake in mobile games publisher Playstack to VantageCo, an Integrated Media Company subsidiary, for an enterprise value of £125 million, generating approximately £112.4 million in net cash proceeds inc...
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...
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.