ScoreWhy is TruFin Plc ?
1
Weak Long Term Fundamental Strength with an average Return on Equity (ROE) of 2.10%
- Poor long term growth as Operating profit has grown by an annual rate of 24.94%
- The company has been able to generate a Return on Equity (avg) of 2.10% signifying low profitability per unit of shareholders funds
2
Poor long term growth as Operating profit has grown by an annual rate of 24.94%
3
Flat results in Jun 26
- NET PROFIT(Q) Lowest at GBP -1.04 MM
- EPS(Q) Lowest at GBP -0.03
4
With ROE of 26.79%, it has a expensive valuation with a 2.56 Price to Book Value
- Over the past year, while the stock has generated a return of -10.71%, its profits have risen by 200.5% ; the PEG ratio of the company is 0
5
Underperformed the market in the last 1 year
- Even though the market (FTSE 100) has generated returns of 16.06% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -10.71% returns
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to TruFin Plc should be less than 10%
- Overall Portfolio exposure to Software Products should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Software Products)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is TruFin Plc for you?
High Risk, Medium Return
Absolute
Risk Adjusted
Volatility
TruFin Plc
-10.71%
0.44
38.68%
FTSE 100
16.06%
1.36
11.82%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
34.76%
EBIT Growth (5y)
24.94%
EBIT to Interest (avg)
-3.34
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0.64
Tax Ratio
Tax Ratio is Negative%
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
5.65%
ROE (avg)
2.10%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
10
Industry P/E
Price to Book Value
2.56
EV to EBIT
12.24
EV to EBITDA
8.47
EV to Capital Employed
3.07
EV to Sales
1.73
PEG Ratio
0.04
Dividend Yield
NA
ROCE (Latest)
25.10%
ROE (Latest)
26.79%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
Bullish
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend6What is working for the Company
OPERATING CASH FLOW(Y)
Highest at GBP 24.28 MM
RAW MATERIAL COST(Y)
Fallen by -25.2% (YoY
CASH AND EQV(HY)
Highest at GBP 113.81 MM
DEBT-EQUITY RATIO
(HY)
Lowest at -91.89 %
-3What is not working for the Company
NET PROFIT(Q)
Lowest at GBP -1.04 MM
EPS(Q)
Lowest at GBP -0.03
Here's what is working for TruFin Plc
Operating Cash Flow
Highest at GBP 24.28 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (GBP MM)
Cash and Eqv
Highest at GBP 113.81 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Debt-Equity Ratio
Lowest at -91.89 %
in the last five Semi-Annual periodsMOJO Watch
The company has been reducing its borrowing as compared to equity capital
Debt-Equity Ratio
Raw Material Cost
Fallen by -25.2% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Here's what is not working for TruFin Plc
Net Profit
Lowest at GBP -1.04 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (GBP MM)
Net Profit
Fallen at -25.03%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is negative
Net Profit (GBP MM)
EPS
Lowest at GBP -0.03
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (GBP)
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