TRUFIN PLC (29U) - Net Assets
Based on the latest financial reports, TRUFIN PLC (29U) has net assets worth €48.17 Million EUR (≈ $56.32 Million USD) as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (€62.34 Million ≈ $72.88 Million USD) and total liabilities (€14.17 Million ≈ $16.56 Million USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check 29U asset liquidity ratio to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | €48.17 Million |
| % of Total Assets | 77.27% |
| Annual Growth Rate | 10.38% |
| 5-Year Change | N/A |
| 10-Year Change | N/A |
| Growth Volatility | 10.51 |
TRUFIN PLC - Net Assets Trend (2021–2025)
This chart illustrates how TRUFIN PLC's net assets have evolved over time, based on quarterly financial data. Also explore TRUFIN PLC assets under control for the complete picture of this company's asset base.
Annual Net Assets for TRUFIN PLC (2021–2025)
The table below shows the annual net assets of TRUFIN PLC from 2021 to 2025. For live valuation and market cap data, see 29U market cap overview.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | €48.17 Million ≈ $56.32 Million |
+10.63% |
| 2024-12-31 | €43.54 Million ≈ $50.91 Million |
+14.77% |
| 2023-12-31 | €37.94 Million ≈ $44.36 Million |
-5.40% |
| 2022-12-31 | €40.10 Million ≈ $46.89 Million |
+23.58% |
| 2021-12-31 | €32.45 Million ≈ $37.94 Million |
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Equity Component Analysis
This analysis shows how different components contribute to TRUFIN PLC's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 794800000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Other Components | €59.36 Million | 119.73% |
| Total Equity | €49.58 Million | 100.00% |
TRUFIN PLC Competitors by Market Cap
The table below lists competitors of TRUFIN PLC ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
American Eagle Gold Corp
V:AE
|
$141.31 Million |
|
BriQ Properties Real Estate Investment Company
AT:BRIQ
|
$141.32 Million |
|
Whitehawk Therapeutics, Inc.
NASDAQ:WHWK
|
$141.39 Million |
|
Easy Field
TWO:6425
|
$141.51 Million |
|
Dmc Global Inc
NASDAQ:BOOM
|
$141.23 Million |
|
SKP Resources Bhd
KLSE:7155
|
$141.21 Million |
|
Proficient Auto Logistics, Inc. Common Stock
NASDAQ:PAL
|
$141.12 Million |
|
Bank Jabar
JK:BJBR
|
$141.08 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in TRUFIN PLC's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 42,134,000 to 49,577,000, a change of 7,443,000 (17.7%).
- Net income of 11,640,000 contributed positively to equity growth.
- Share repurchases of 8,059,000 reduced equity.
- Other factors increased equity by 3,862,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | €11.64 Million | +23.48% |
| Share Repurchases | €8.06 Million | -16.26% |
| Other Changes | €3.86 Million | +7.79% |
| Total Change | €- | 17.67% |
Book Value vs Market Value Analysis
This analysis compares TRUFIN PLC's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 2.93x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 3.79x to 2.93x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2021-12-31 | €0.39 | €1.47 | x |
| 2022-12-31 | €0.36 | €1.47 | x |
| 2023-12-31 | €0.34 | €1.47 | x |
| 2024-12-31 | €0.40 | €1.47 | x |
| 2025-12-31 | €0.50 | €1.47 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently TRUFIN PLC utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 23.48%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 17.66%
- • Asset Turnover: 1.06x
- • Equity Multiplier: 1.26x
- Recent ROE (23.48%) is above the historical average (-5.03%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2021 | -22.50% | -53.92% | 0.26x | 1.61x | €-10.21 Million |
| 2022 | -19.39% | -47.89% | 0.21x | 1.91x | €-10.06 Million |
| 2023 | -18.20% | -35.70% | 0.36x | 1.43x | €-10.03 Million |
| 2024 | 11.49% | 8.81% | 0.78x | 1.67x | €626.60K |
| 2025 | 23.48% | 17.66% | 1.06x | 1.26x | €6.68 Million |
Industry Comparison
This section compares TRUFIN PLC's net assets metrics with peer companies in the Credit Services industry.
Industry Context
- Industry: Credit Services
- Average net assets among peers: $3,824,367,833
- Average return on equity (ROE) among peers: 0.51%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| TRUFIN PLC (29U) | €48.17 Million | -22.50% | 0.29x | $141.30 Million |
| Yiren Digital Ltd (19YA) | $5.12 Billion | 18.88% | 0.47x | $122.70 Million |
| Qudian Inc (1QU) | $-3.43 Billion | 0.00% | 0.00x | $221.07 Million |
| Yixin Group Limited (1YX) | $16.48 Billion | 4.91% | 1.95x | $1.23 Billion |
| 51 CREDIT CARD DL-00001 (2JY) | $758.75 Million | -30.80% | 1.05x | $99.09 Million |
| CREDIT CORP. GROUP LTD. (2RC) | $817.42 Million | 11.16% | 0.53x | $490.08 Million |
| HANHUA FNCL HLDG CO.H YC1 (5HF) | $8.04 Billion | 0.95% | 0.54x | $11.63 Million |
| Genertec Universal Medical Group Company Limited (5UM) | $6.57 Billion | 13.27% | 3.41x | $1.30 Billion |
| HARMONEY CORP. LTD (6DR) | $58.50 Million | -12.96% | 13.62x | $40.54 Million |
| PREMIA FINANCE O.N. (81U) | $2.32 Million | -0.80% | 0.50x | $1.82 Million |
About TRUFIN PLC
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 … Read more