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TruFin (GB:TRU)
LSE:TRU

TruFin (TRU) AI Stock Analysis

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GB:TRU

TruFin

(LSE:TRU)

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Outperform 73 (OpenAI - 5.2)
Rating:73Outperform
Price Target:
128.00p
▲(7.11% Upside)
TruFin's overall stock score of 73 is driven by strong financial performance and strategic corporate actions, such as share buybacks, which enhance shareholder value. While technical indicators show positive momentum, the high P/E ratio suggests potential overvaluation. The absence of earnings call data limits further insights into future guidance.
Positive Factors
Revenue Growth
The impressive revenue growth rate indicates that TruFin's business model and market strategies are effectively capturing market share and expanding its customer base, which is crucial for long-term sustainability and competitive positioning.
Cash Flow Generation
Strong cash flow generation ensures TruFin can fund its operations, invest in growth opportunities, and maintain financial flexibility, which is vital for enduring business success and resilience against economic fluctuations.
Balance Sheet Health
A strong balance sheet with low leverage provides TruFin with stability and the ability to withstand financial pressures, enabling it to pursue strategic initiatives without the burden of excessive debt.
Negative Factors
Operational Profitability Challenges
While revenue is growing, the lack of EBIT indicates that TruFin may face challenges in achieving operational efficiency, which could hinder long-term profitability and require strategic adjustments.
Dependence on Revenue Growth
The company's reliance on rapid revenue growth to drive profitability may pose risks if market conditions change or growth slows, potentially impacting its ability to sustain financial performance.
Earnings Volatility
While profitability has improved, the recent shift from losses to profits suggests potential earnings volatility, which could affect investor confidence and the company's ability to plan long-term strategies.

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, primarily by offering its financial technology solutions to businesses. The company earns income from transaction fees associated with its payment processing services, interest from loans provided through its lending platforms, and subscription fees for its software solutions. Additionally, strategic partnerships with banks and financial institutions enhance its market reach and allow for co-branded products, contributing to revenue growth. TruFin's emphasis on data analytics also enables the company to provide value-added services, such as risk assessment and financial insights, further diversifying its revenue sources.

TruFin Financial Statement Overview

Summary
TruFin shows a strong financial turnaround with impressive revenue growth and profitability improvements. The balance sheet is robust with low leverage, and cash flow generation is strong. However, challenges in core operational profitability remain, as indicated by the zero EBIT.
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.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue65.61M54.95M18.13M16.12M13.12M14.83M
Gross Profit38.33M15.04M3.92M8.56M5.23M6.98M
EBITDA30.67M7.34M-4.23M-5.71M-6.77M-7.60M
Net Income7.38M4.84M-6.47M-6.64M-7.07M-10.97M
Balance Sheet
Total Assets66.49M70.41M50.68M65.49M50.73M57.57M
Cash, Cash Equivalents and Short-Term Investments17.96M14.87M10.14M10.27M7.61M17.73M
Total Debt949.00K4.17M7.20M18.55M12.98M10.71M
Total Liabilities18.69M26.87M12.74M25.39M18.28M17.83M
Stockholders Equity46.84M42.13M35.55M34.23M31.43M38.47M
Cash Flow
Free Cash Flow17.39M6.97M-3.70M-7.98M-11.10M-6.93M
Operating Cash Flow17.41M13.85M-3.66M-4.71M-9.30M-4.99M
Investing Cash Flow-6.21M-6.89M-4.71M-12.50M-3.27M11.11M
Financing Cash Flow-3.72M-2.20M12.46M14.44M2.40M4.55M

TruFin Technical Analysis

Technical Analysis Sentiment
Positive
Last Price119.50
Price Trends
50DMA
118.52
Positive
100DMA
115.02
Positive
200DMA
103.83
Positive
Market Momentum
MACD
1.08
Negative
RSI
54.54
Neutral
STOCH
59.17
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 119.60, above the 50-day MA of 118.52, and above the 200-day MA of 103.83, indicating a bullish trend. The MACD of 1.08 indicates Negative momentum. The RSI at 54.54 is Neutral, neither overbought nor oversold. The STOCH value of 59.17 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 (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
80
Outperform
£47.64M8.238.50%11.71%31.15%
74
Outperform
£283.11M14.198.41%5.33%-11.17%6.04%
73
Outperform
£120.08M26.59203.09%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
67
Neutral
£513.10M7.1314.70%4.39%-7.52%50.23%
66
Neutral
£460.04M26.833.93%7.90%
49
Neutral
£306.39M-3.92-16.30%-3.77%-147.20%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
GB:TRU
TruFin
121.00
41.00
51.25%
GB:TIME
Time Finance plc
54.00
-6.00
-10.00%
GB:IPF
International Personal Finance
235.00
118.80
102.24%
GB:VANQ
Vanquis Banking Group
118.40
60.90
105.91%
GB:SUS
S&U plc
2,380.00
907.01
61.58%
GB:FCH
Funding Circle Holdings
159.20
50.20
46.06%

TruFin Corporate Events

Business Operations and StrategyStock Buyback
TruFin Cancels 250,000 Shares After Buyback
Positive
Feb 4, 2026

TruFin bought back 250,000 shares on 3 February at 122.0 pence, exceeding daily volume limits but within broker discretion, and will cancel the shares, leaving 98,175,484 voting shares outstanding for FCA disclosure calculations. The move tightens share capital and signals active capital management, potentially enhancing per-share metrics and reinforcing the company’s positioning in its specialty finance and digital publishing segments.

The most recent analyst rating on (GB:TRU) stock is a Buy with a £135.00 price target. To see the full list of analyst forecasts on TruFin stock, see the GB:TRU Stock Forecast page.

Stock BuybackRegulatory Filings and Compliance
TruFin Cancels 100,000 Shares After Exceeding Buyback Volume Threshold
Positive
Feb 2, 2026

TruFin plc has bought back 100,000 of its own ordinary shares at an average price of 121.5 pence per share and intends to cancel them, a move that slightly reduces its share capital while bringing the total number of voting shares in issue to 98,425,484. The repurchase, which exceeded 50% of the recent average daily trading volume in a single trade executed at the discretion of broker Panmure Liberum, adjusts the company’s capital structure and provides shareholders with an updated denominator for calculating disclosure thresholds under UK transparency rules.

The most recent analyst rating on (GB:TRU) stock is a Buy with a £135.00 price target. To see the full list of analyst forecasts on TruFin stock, see the GB:TRU Stock Forecast page.

Stock BuybackRegulatory Filings and Compliance
TruFin Cancels 42,000 Repurchased Shares, Updates Voting Rights
Positive
Jan 30, 2026

TruFin has repurchased 42,000 of its own ordinary shares at an average price of 120.7 pence per share and intends to cancel them, a move that marginally reduces the company’s share capital and may enhance earnings per share for remaining investors. Following this transaction, TruFin’s total voting share capital stands at 98,525,484 ordinary shares, a figure shareholders must now use to assess disclosure thresholds under UK transparency rules.

The most recent analyst rating on (GB:TRU) stock is a Buy with a £134.00 price target. To see the full list of analyst forecasts on TruFin stock, see the GB:TRU Stock Forecast page.

Stock BuybackRegulatory Filings and Compliance
TruFin Cuts Share Capital with Market Buyback and Cancellation
Neutral
Jan 29, 2026

TruFin plc has repurchased 39,000 of its own ordinary shares on the market at an average price of 122.7 pence per share and intends to cancel these shares, effectively reducing its share capital. Following this transaction, the company confirmed that it now has 98,567,484 ordinary shares with voting rights in issue, a figure that shareholders should use when assessing notification thresholds for changes in significant shareholdings under UK disclosure rules.

The most recent analyst rating on (GB:TRU) stock is a Hold with a £125.00 price target. To see the full list of analyst forecasts on TruFin stock, see the GB:TRU Stock Forecast page.

Stock BuybackRegulatory Filings and Compliance
TruFin Buys Back and Cancels 35,000 Shares, Updates Voting Rights
Positive
Jan 28, 2026

TruFin plc has repurchased 35,000 of its own ordinary shares at an average price of 123.50 pence per share and intends to cancel them, in a move that marginally reduces its share capital and may enhance earnings per share for remaining investors. Following this transaction, TruFin reports that it now has 98,606,484 ordinary shares in issue with voting rights, providing a new reference point for shareholders assessing their disclosure obligations under UK transparency rules.

The most recent analyst rating on (GB:TRU) stock is a Buy with a £137.00 price target. To see the full list of analyst forecasts on TruFin stock, see the GB:TRU Stock Forecast page.

Stock BuybackRegulatory Filings and Compliance
TruFin Adjusts Share Capital After Buyback and Option Exercises
Neutral
Jan 27, 2026

TruFin plc has executed a share buyback of 20,000 ordinary shares at an average price of 122.75 pence per share, with the purchased stock to be cancelled, while simultaneously issuing 25,000 new ordinary shares following the exercise of employee share options under an existing block admission. Following these transactions, TruFin’s total voting share capital stands at 98,641,484 ordinary shares, a revised denominator for investors monitoring disclosure thresholds under UK transparency rules, underscoring ongoing capital management and employee incentive activity at the AIM-quoted fintech and gaming group.

The most recent analyst rating on (GB:TRU) stock is a Buy with a £135.00 price target. To see the full list of analyst forecasts on TruFin stock, see the GB:TRU Stock Forecast page.

Stock BuybackRegulatory Filings and Compliance
TruFin Adjusts Share Capital Following Buyback and Option Exercise
Neutral
Jan 27, 2026

TruFin plc has repurchased 20,000 of its own ordinary shares at an average price of 122.75 pence per share and intends to cancel them, while simultaneously issuing 25,000 new ordinary shares following the exercise of employee share options under an existing block admission. Following these transactions, the company’s total voting share capital stands at 98,641,484 ordinary shares, a figure that will now serve as the reference point for investors assessing disclosure thresholds under UK transparency rules.

The most recent analyst rating on (GB:TRU) stock is a Buy with a £135.00 price target. To see the full list of analyst forecasts on TruFin stock, see the GB:TRU Stock Forecast page.

Stock Buyback
TruFin Cancels 25,000 Shares After Market Buyback
Positive
Jan 26, 2026

TruFin has bought back 25,000 of its own ordinary shares at an average price of 121 pence each and intends to cancel them, a move that marginally reduces its share capital and may enhance earnings per share for remaining investors. Following the transaction, TruFin confirmed it has 98,636,484 ordinary shares with voting rights in issue, a key figure for shareholders assessing disclosure thresholds under UK transparency rules and for tracking the company’s evolving capital structure.

The most recent analyst rating on (GB:TRU) stock is a Buy with a £135.00 price target. To see the full list of analyst forecasts on TruFin stock, see the GB:TRU Stock Forecast page.

Business Operations and StrategyStock BuybackFinancial Disclosures
TruFin Launches £6m Share Buyback After Strong Cash Generation
Positive
Jan 23, 2026

TruFin plc has launched a new share buyback programme of up to £6 million in ordinary shares following two buyback schemes totalling £8 million in 2025, reflecting continued strong cash generation and the board’s view that the stock trades below its intrinsic value. The company has mandated broker Panmure Liberum to execute purchases on the London Stock Exchange within AGM-approved parameters, with all repurchased shares to be cancelled, a move that is expected to enhance shareholder returns, reduce share capital and could represent a significant proportion of daily trading volumes until the programme’s expiry or earlier exhaustion of funds.

The most recent analyst rating on (GB:TRU) stock is a Buy with a £133.00 price target. To see the full list of analyst forecasts on TruFin stock, see the GB:TRU Stock Forecast page.

Business Operations and StrategyExecutive/Board Changes
TruFin’s Playstack Launches Performance-Linked Incentive Plan for Senior Management
Positive
Jan 23, 2026

TruFin’s gaming subsidiary Playstack has introduced a new management incentive plan aimed at aligning senior leadership rewards with long-term shareholder value creation and supporting the company’s commercial growth strategy. The scheme allows senior managers, including CEO Harvey Elliott, to receive up to 15% of Playstack’s fully diluted equity via a new class of B and C shares that only participate in value on an exit event once TruFin’s invested capital and a defined valuation hurdle, including a 12% accrued return, have been met, with the structure independently validated as fair and funded in part by a limited-recourse loan to the CEO, underscoring TruFin’s intent to retain key talent and strengthen Playstack’s competitive position in the mobile games publishing market.

The most recent analyst rating on (GB:TRU) stock is a Buy with a £133.00 price target. To see the full list of analyst forecasts on TruFin stock, see the GB:TRU Stock Forecast page.

Business Operations and StrategyStock BuybackFinancial Disclosures
TruFin’s Playstack Secures Major Games Contract and Announces £6m Share Buyback
Positive
Jan 23, 2026

TruFin’s gaming subsidiary Playstack has signed a multi-year contract with a major global technology platform to publish an internally developed game due for release in the second half of 2026, securing a mix of upfront and performance-based payments and exclusive ownership of the new intellectual property. The agreement significantly strengthens Playstack’s first-party IP portfolio, improves revenue visibility for the coming years and underpins TruFin’s expectation of delivering another year of profitable growth in 2026, prompting the group to concurrently launch a share buyback programme of up to £6 million as part of its capital-return strategy.

The most recent analyst rating on (GB:TRU) stock is a Buy with a £133.00 price target. To see the full list of analyst forecasts on TruFin stock, see the GB:TRU Stock Forecast page.

Business Operations and StrategyStock BuybackFinancial Disclosures
TruFin Lifts 2025 Profit Outlook as Playstack and Oxygen Power Surging Growth
Positive
Jan 15, 2026

TruFin expects adjusted profit before tax for 2025 to exceed £7.4m, more than eight times the prior year, on revenues of about £63m, underlining strong operational leverage that has also supported £8m of share buybacks and left the group with at least £12m of year-end cash. The outperformance was driven primarily by games publisher Playstack, whose hit titles Balatro and Abiotic Factor and two new releases powered exceptional results and a richer back catalogue, while Oxygen delivered double-digit revenue and EBITDA growth, record client numbers and rising transaction volumes despite a challenging procurement environment, and Satago reduced losses significantly after cutting costs and refocusing on core credit control and embedded finance, collectively positioning TruFin for continued profitable growth and reinforcing its standing in both fintech and gaming niches.

The most recent analyst rating on (GB:TRU) stock is a Buy with a £133.00 price target. To see the full list of analyst forecasts on TruFin stock, see the GB:TRU Stock Forecast page.

Business Operations and StrategyFinancial DisclosuresProduct-Related Announcements
TruFin Expects Strong Financial Performance Following Successful Game Launch
Positive
Dec 11, 2025

TruFin announced that its subsidiary, Playstack Limited, has successfully launched the game ‘Unbeatable’, leading to financial performance projections for the year exceeding previous expectations. The company anticipates higher revenues, adjusted EBITDA, and PBT, with a stronger year-end cash position. The Board is committed to strategic capital allocation to maximize shareholder returns and is exploring reinvestment and acquisition opportunities.

The most recent analyst rating on (GB:TRU) stock is a Buy with a £128.00 price target. To see the full list of analyst forecasts on TruFin stock, see the GB:TRU Stock Forecast page.

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: Dec 07, 2025