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TruFin plc (TRU.L)

GBp134.00 -1.00 (-0.74%)
GB LSE Financial Services Financial - Credit Services
Address 48 Warwick Street W1B 5AW
London, GB
CEO James Andrew Gerald Van Den Bergh
Website trufin.com
IPO 2018-02-21
ISIN JE00BYVWJZ03

Explore sections of this company profile

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 catch-all "Other" category. The company's financial arm encompasses the distribution of various financial instruments, invoice discounting, and accelerated payment programs catering to both governmental and private organizations. Furthermore, it supplies working capital funding and technological support to small and medium-sized enterprises (SMEs). Beyond its financial endeavors, TruFin is also active in the publishing sector. Specifically, it develops, publishes, and markets electronic games, particularly targeting the mobile and console gaming markets, for which it also extends specialized financing. Additionally, TruFin undertakes investment activities and furnishes market intelligence services.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
GBp134.00 -1.00 (-0.74%)
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Volume Profile
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Liquidity & share structure
Average Volume
154.0K
Beta
0.20
Float Shares
51.11M
Free Float %
54.2%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.75% +1.90% -0.74% +10.29% +16.52% +13.56% +50.56% +100.00% +53.59% +49.33% +49.33%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
134.00
Ratings Trend (MoM) 100% Bullish
Rating 2026-05 Change
Strong Buy 0 0
Buy 1 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
9.80
Safe zone
Piotroski F-Score
8 / 9
Strong
MOAT Score
2 / 10
No MOAT
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
5 / 5
High
ROA Score
5 / 5
High
D/E Score
4 / 5
High
P/E Score
3 / 5
Medium
P/Book Score
1 / 5
Low
Operational MOAT
✗ Below peers
  • Revenue growth Financial - Credit Services: +13.2%
    +20.0% Q4'25: +211.1% (vs Q4'23)
  • EPS growth Financial - Credit Services: +24.0%
    +138.1% Q4'25: +1,333.3% (vs Q4'23)
  • FCF margin FCF growth · Financial - Credit Services: +70.9%
    +17.3% Q4'25: +12.1% (vs Q4'23)
  • EBIT margin Financial - Credit Services: +28.7%
    +11.5% Q4'25: +10.2% (vs Q4'23)
  • ROIC Financial - Credit Services: +5.0%
    +21.2% Q4'25: +34.1% (vs Q4'23)
  • Share dilution Financial - Credit Services: +0.0%
    -2.7% Q4'25: +3.4% (vs Q4'23)
  • Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×
    0.00× Q4'25: 0.00× (vs Q4'23)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.20) × ERP
WACC = 100% × Ke + 0% × Kd (4.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Current price: 134.00
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2018
actual
Dec 2019
actual
Dec 2020
actual
Dec 2021
actual
Dec 2022
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
1 Rev. Ana.
1 EPS Ana.
Dec 2027
1 Rev. Ana.
1 EPS Ana.
Revenue
4.37M
est: 7.60M (-42.5%)
7.34M
est: 7.02M (+4.6%)
14.83M
est: 14.60M (+1.6%)
13.12M
est: 13.34M (-1.7%)
16.12M
est: 16.00M (+0.7%)
18.13M
est: 36.48M (-50.3%)
54.95M
est: 54.05M (+1.7%)
65.92M
est: 62.99M (+4.7%)
68.60M
68.60M – 68.60M
+8.9% YoY
71.10M
71.10M – 71.10M
+3.6% YoY
EBITDA
-9.48M
est: -2.25M (-320.7%)
-9.38M
est: -2.08M (-350.8%)
-7.60M
est: -4.33M (-75.6%)
-6.77M
est: -24.39M (+72.3%)
-5.72M
est: -31.68M (+82.0%)
-4.23M
est: -5.77M (+26.8%)
7.34M
est: -8.56M (+185.8%)
11.77M
est: -9.97M (+218.0%)
-10.86M
-10.86M – -10.86M
-8.9% YoY
-11.26M
-11.26M – -11.26M
-3.6% YoY
EBIT
-9.67M
est: -3.24M (-198.3%)
-10.72M
est: -3.00M (-257.8%)
-8.94M
est: -10.02M (+10.8%)
-8.44M
est: -15.81M (+46.6%)
-8.13M
est: -20.53M (+60.4%)
-7.23M
est: -10.33M (+30.1%)
791.0K
est: -15.31M (+105.2%)
7.61M
est: -17.84M (+142.6%)
-19.43M
-19.43M – -19.43M
-8.9% YoY
-20.14M
-20.14M – -20.14M
-3.6% YoY
Net Income
-9.44M
est: -14.46M (+34.7%)
-18.07M
est: -8.13M (-122.3%)
-10.97M
est: -15.40M (+28.8%)
-7.07M
est: -24.30M (+70.9%)
-6.64M
est: -31.56M (+79.0%)
-6.47M
4.84M
est: 1.30M (+272.1%)
11.64M
est: 9.02M (+29.1%)
10.66M
10.66M – 10.66M
+18.2% YoY
11.11M
11.11M – 11.11M
+4.2% YoY
SGA
1.41M
est: 722.7K (+94.4%)
4.91M
est: 667.6K (+635.8%)
5.24M
est: 10.44M (-49.8%)
395.0K
est: 1.27M (-68.9%)
379.0K
est: 1.52M (-75.1%)
1.06M
est: 892.9K (+18.6%)
569.0K
est: 1.32M (-57.0%)
est: 1.54M (-100.0%)
1.68M
1.68M – 1.68M
+8.9% YoY
1.74M
1.74M – 1.74M
+3.6% YoY
EPS
-0.10
est: -0.13 (+20.3%)
-0.19
est: -0.07 (-169.4%)
-0.14
est: -0.10 (-39.1%)
-0.09
est: -0.10 (+16.3%)
-0.07
est: -0.08 (+6.3%)
-0.06
0.05
est: 0.01 (+294.2%)
0.11
est: 0.08 (+36.9%)
0.10
0.10 – 0.10
+18.2% YoY
0.10
0.10 – 0.10
+4.2% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-29 B+ 3/5 1/5 5/5 5/5 4/5 3/5 1/5
2026-05-28 B+ 3/5 1/5 5/5 5/5 4/5 3/5 1/5
2026-05-27 B+ 3/5 1/5 5/5 5/5 4/5 3/5 1/5
2026-05-26 B+ 3/5 1/5 5/5 5/5 4/5 3/5 1/5
2026-05-22 B+ 3/5 1/5 5/5 5/5 4/5 3/5 1/5
2026-05-21 B+ 3/5 1/5 5/5 5/5 4/5 3/5 1/5
2026-05-20 B+ 3/5 1/5 5/5 5/5 4/5 3/5 1/5
2026-05-19 B+ 3/5 1/5 5/5 5/5 4/5 3/5 1/5
2026-05-18 B+ 3/5 1/5 5/5 5/5 4/5 3/5 1/5
2026-05-15 B+ 3/5 1/5 5/5 5/5 4/5 3/5 1/5
2026-05-14 B+ 3/5 1/5 5/5 5/5 4/5 3/5 1/5
2026-05-13 B+ 3/5 1/5 5/5 5/5 4/5 3/5 1/5
2026-05-12 B+ 3/5 1/5 5/5 5/5 4/5 3/5 1/5
2026-05-11 B+ 3/5 1/5 5/5 5/5 4/5 3/5 1/5
2026-05-08 B+ 3/5 1/5 5/5 5/5 4/5 3/5 1/5
2026-05-07 B+ 3/5 1/5 5/5 5/5 4/5 3/5 1/5
2026-05-06 B+ 3/5 1/5 5/5 5/5 4/5 3/5 1/5
2026-05-05 B+ 3/5 1/5 5/5 5/5 4/5 3/5 1/5
2026-05-01 B+ 3/5 1/5 5/5 5/5 3/5 3/5 1/5
2026-04-30 B+ 3/5 1/5 5/5 5/5 3/5 3/5 1/5
2026-04-29 B+ 3/5 1/5 5/5 5/5 3/5 3/5 1/5
2026-04-28 B+ 3/5 1/5 5/5 5/5 3/5 3/5 1/5
2026-04-27 B+ 3/5 1/5 5/5 5/5 3/5 3/5 1/5
2026-04-24 B+ 3/5 1/5 5/5 5/5 3/5 3/5 1/5
2026-04-23 B+ 3/5 1/5 5/5 5/5 3/5 3/5 1/5
2026-04-22 B+ 3/5 1/5 5/5 5/5 3/5 3/5 1/5
2026-04-21 B+ 3/5 1/5 5/5 5/5 3/5 3/5 2/5
2026-04-20 B+ 3/5 1/5 5/5 5/5 3/5 3/5 2/5
2026-04-17 B+ 3/5 1/5 5/5 5/5 2/5 3/5 2/5
2026-04-16 B+ 3/5 1/5 5/5 5/5 2/5 3/5 2/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
28.36M
OE per share TTM
0.25
Owner's Yield
21.47%
Maintenance CapEx ratio
2.33%
Maint CapEx / Avg PPE
0.8%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
40.5K
Shares Outstanding
94.22M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
James Andrew Gerald Van Den Bergh Chief Executive Officer & Executive Director 582.0K male
Annie Styler Compliance Officer female
James Hussey Chief Financial Officer male
Pav Subramaniam Financial Controller male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend history

Earnings history

Earnings reports

Stock splits