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TruFin plc (TRU) Fair Value & Analysis

Communication Services · GB · Market cap 127M GBX

TP TruFin plc TRU · LSE
Price£1.35
Fair Value£1.61
Upside+19.7%
Quality92/100
Evidence: High Range £1.20 – £3.39

Fair value as of: Jun 26, 2026

From 26 valuation models · updated 3 days ago

Share price +0.4% over the past month.

Price vs Fair Value (12 months)

£1.47 £0.8850 Fair Value £1.61 Jun 2025 Jun 2026

12‑month range £0.8850 – £1.47 · fair‑value band £1.20 – £3.39 · the £1.35 price screens below the £1.61 fair value. As of Jun 26, 2026.

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Analysis

TruFin plc (TRU) currently trades at £1.35, while our model-based Fair Value estimate is £1.61 — implying the stock looks roughly 19.7% undervalued today. We read business quality at 92/100 (high quality), in the Communication Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

Over the trailing twelve months, TruFin plc generated revenue of £65.9M at a net margin of 17.7%. Revenue grew 1.0% year over year. It earns a return on equity of 25.2%. The balance sheet holds a net cash position of £12.4M. Fundamentals as of Jun 26, 2026

Key figures & financial health

Revenue (TTM) 65.9M GBX
Revenue growth (YoY) +1.0%
Net margin 17.7%
Return on equity 25.2%
Free cash flow 10.4M GBX FY2025
P/E ratio 13.5
More key figures
Operating margin 59.8%
EPS (TTM) £0.1000
EPS growth (YoY) +302%
Net cash 12.4M GBX FY2025

Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.

About the company

TruFin plc provides niche lending, early payment services, and video game publishing in the United Kingdom. It operates through Satago, Oxygen, Playstack, and Other segments. The company engages in provision of distribution finance products, and invoice discounting; early payment programme, payment control, and market insight services; publishing of video games; and investment activities. TruFin plc was incorporated in 2017 and is based in London, the United Kingdom.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

TruFin plc reported revenue of £65.9M in FY2025 versus £13.1M in FY2021, a compound +49.7%/yr. Reported net income was £11.6M in FY2025.

Revenue +49.7%/yr
FY21 £13.1M
FY22 £16.1M
FY23 £18.1M
FY24 £55.0M
FY25 £65.9M
Net income
FY21 −£7.1M
FY22 −£6.6M
FY23 −£6.5M
FY24 £4.8M
FY25 £11.6M

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Nintendo Co NTDOF $42.74 $35.44 -17%
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Take-Two Interactive Software, Inc TTWO $214.39 $102.48 -52%
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Frequently asked questions

Is TruFin plc (TRU) undervalued?
As of Jun 26, 2026, our model estimates a fair value of £1.61 versus a price of £1.35 — about +20% (undervalued). Model-based estimate, not financial advice.
What is the fair value of TRU?
Our 21-model fair value for TruFin plc is £1.61 (as of Jun 26, 2026), built from audited fundamentals. The current price is £1.35.
What is the quality score of TRU?
TruFin plc has a Quality Score of 92/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of TruFin plc (TRU)?
TruFin plc reported trailing-twelve-month revenue of about £65.9M (latest available figure, as of Jun 26, 2026).
What is the net profit margin of TRU?
The net profit margin of TruFin plc is about 17.7%, meaning it keeps roughly 17.7% of revenue as net income. Based on the latest reported figures.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.