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TRU.L$134.00+0.00%
Fair $134.00+0.0%

TRU.L

TruFin plc

Financial Services / Credit ServicesLSE

$134.00

+0.00 (+0.00%)

Fairly Valued+0.0%Fair Value $134.00Fund rank 30/100 · Data gapFallback financials|
SA 65/B
F-Score: 8/9

Book/ROE base 3Y

n/d

n/d CAGR · P/B n/d

Book/ROE base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 100% · confianza 20%

Book/ROE escenarios

weak_data · book/share n/d · quality 0.0/100

Data gap 30/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 20/100Data QA 20/100

Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.

Quality + valuation scorecard

SA Score

65/100

B

Piotroski

8/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

16/100

SEC 0%

Latest source: unknownPeriods: 4Warnings: 0unknown: 4
No SEC-backed annual rows; valuation uses fallback financial data. Insufficient audited annual history (<3 SEC-backed years); financial Book/ROE targets are disabled until manually verified.
Thesis & Journal · TRU.LLocal privado en este navegador · TruFin plc
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$126M

P/E

13.4x

↑

EV/EBITDA

1109.9x

↑

ROE

23.5%

↑

Gross Margin

32.0%

↓

Debt/Equity

0.00

↓
52-Week Range$134
$86$147

TradingView lightweight chart

TRU.L price, volumen y niveles de valoración

Último $134.00Periodo +45.6%
Fair value: $134.00

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2022–2025 · 3 años de histórico normalizado

Revenue CAGR

+68.2%

FCF CAGR

—

FCF margin

14.6%

FCF / Net income

0.83x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $65.9M · net income $11.6M · FCF $9.6M

2022-FY → 2025-FY

Gross margin

32.0%+30.9% pts

Operating margin

14.2%+72.9% pts

Net margin

17.7%+65.5% pts

FCF margin

14.6%+91.4% pts
MetricTTM
2025
2024
2023
2022
Income Statement
Revenue$65.9M$65.9M$55.0M$18.1M$13.9M
Net Income$11.6M$11.6M$4.8M$-6.5M$-6.6M
EBITDA$13.5M$13.5M$7.3M$-4.2M$-5.7M
EPS0.100.100.04-0.07-0.07
Gross Margin32.0%32.0%27.4%21.6%1.1%
Operating Margin14.2%14.2%1.4%-39.9%-58.7%
Net Margin17.7%17.7%8.8%-35.7%-47.9%
Balance Sheet
Debt/Equity0.000.000.100.200.54
Current Ratio2.022.02———
Cash Flow
Free Cash Flow$9.6M$9.6M$7.0M$-13.6M$-10.6M
Returns
ROE23.5%23.5%11.5%-18.2%-19.4%
Valuation
P/E13.4013.402071.43——
EV/EBITDA1109.941109.941364.63——
P/B302.51302.51237.95136.10166.55
Growth & Yield
Revenue Growth20.0%20.0%203.1%30.8%—
EPS Growth147.6%147.6%164.6%11.0%—

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%

3Y implied EPS CAGR

385.3%

muy exigente

EPS terminal req.

$11.89

Spread vs growth

-237.7%

5Y implied EPS CAGR

168.0%

muy exigente

EPS terminal req.

$14.39

Spread vs growth

-20.4%

10Y implied EPS CAGR

71.7%

muy exigente

EPS terminal req.

$23.17

Spread vs growth

75.9%

Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.

Return attribution · 1Y approxreconcilia total +49.7%

Total return

+49.7%

Start / end P/E

2131.0x → 1288.5x

EPS bridge

0.04 → 0.10

Residual

-58.4%

EPS growth+147.6%
Multiple rerating-39.5%
Dividend+0.0%
Residual / FX / buybacks / cross-term-58.4%

Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.