TruFin (TRU) AI Stock Analysis

• Market Cap: £114.72M
• Dividend Yield: N/A
• Average Volume (3M): 195.20K
• Price to Earnings (P/E): 10.5
• Beta (1Y): 0.32
• Revenue Growth: 203.09%
• EPS Growth: N/A
• Country: UK
• Employees: 188
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): 0.06
• Shares Outstanding: 94,416,740
• 10 Day Avg. Volume: 240,804
• 30 Day Avg. Volume: 195,199
• PEG Ratio: 0.07
• Price to Book (P/B): 2.46
• Price to Sales (P/S): 1.85
• P/FCF Ratio: 11.68
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): 0.09
• Revenue Forecast (FY): £66.12M

• Rating: 73 Outperform
• Price Target: 137.00 p ▲(14.64% Upside)
• Action: Reiterated Date: 03/20/26
• Date: Action: Reiterated 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

Rapid Revenue Growth

Sustained multi-year revenue expansion indicates successful product-market fit and stronger distribution. Scaling revenue from ~£18m to ~£66m supports economies of scale, expanding addressable market penetration and the potential for durable operating leverage as the company grows over the next 2–6 months and beyond.

Negative Factors

Free Cash Flow Volatility

A sharp ~40% YoY decline in FCF despite higher reported earnings highlights inconsistent cash conversion and potential timing or working-capital pressures. This volatility can constrain reinvestment and raises risk that earnings improvements may not translate into durable free cash for strategic uses.

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...

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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

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

• Technical Analysis Sentiment: Positive
• Last Price: 119.50
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

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 123.15, below the 50-day MA of 122.54, and above the 200-day MA of 110.97, indicating a neutral trend. The MACD of -0.04 indicates Positive momentum. The RSI at 49.29 is Neutral, neither overbought nor oversold. The STOCH value of 15.00 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
TIME	80 Outperform	£41.17M	3.46	8.28%	―	11.71%	31.15%
SUS	74 Outperform	£222.97M	5.11	8.33%	5.33%	-11.17%	6.04%
TRU	73 Outperform	£114.72M	10.48	16.60%	―	203.09%	―
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
IPF	67 Neutral	£558.09M	9.42	10.35%	4.39%	-7.52%	50.23%
FCH	55 Neutral	£374.81M	8.64	21.54%	―	7.90%	―
VANQ	53 Neutral	£270.88M	24.71	1.89%	―	-3.77%	-147.20%

TruFin Corporate Events