Trufin PLC (TRU) - Net Assets
Based on the latest financial reports, Trufin PLC (TRU) has net assets worth GBX48.17 Million GBX (≈ $5.86K USD) as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (GBX62.34 Million ≈ $7.58K USD) and total liabilities (GBX14.17 Million ≈ $1.72K 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 TRU tangible net assets ratio to evaluate the tangible quality of the company's equity base.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | GBX48.17 Million |
| % of Total Assets | 77.27% |
| Annual Growth Rate | 3.78% |
| 5-Year Change | 48.45% |
| 10-Year Change | N/A |
| Growth Volatility | 62.17 |
Trufin PLC - Net Assets Trend (2016–2025)
This chart illustrates how Trufin PLC's net assets have evolved over time, based on quarterly financial data. See TRU cash and liquid assets coverage to measure how many days the company can operate on defensive assets alone.
Annual Net Assets for Trufin PLC (2016–2025)
The table below shows the annual net assets of Trufin PLC from 2016 to 2025. For live valuation and market cap data, see TRU market cap.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | GBX48.17 Million ≈ $5.86K |
+10.63% |
| 2024-12-31 | GBX43.54 Million ≈ $5.30K |
+14.77% |
| 2023-12-31 | GBX37.94 Million ≈ $4.62K |
-5.40% |
| 2022-12-31 | GBX40.10 Million ≈ $4.88K |
+23.58% |
| 2021-12-31 | GBX32.45 Million ≈ $3.95K |
-18.33% |
| 2020-12-31 | GBX39.74 Million ≈ $4.83K |
-21.07% |
| 2019-12-31 | GBX50.34 Million ≈ $6.13K |
-67.15% |
| 2018-12-31 | GBX153.25 Million ≈ $18.65K |
+67.67% |
| 2017-12-31 | GBX91.40 Million ≈ $11.12K |
+164.92% |
| 2016-12-31 | GBX34.50 Million ≈ $4.20K |
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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 decreased by 1908.3% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Common Stock | GBX89.78 Million | 181.10% |
| Other Comprehensive Income | GBX286.00K | 0.58% |
| Total Equity | GBX49.58 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 |
|---|---|
|
Lypsa Gems & Jewellery Limited
NSE:LYPSAGEMS
|
$1.54 Million |
|
22nd Century Group Inc
NASDAQ:XXII
|
$1.54 Million |
|
CMC Metals Ltd
V:CMB
|
$1.55 Million |
|
MEP Infrastructure Developers Limited
NSE:MEP
|
$1.55 Million |
|
MT Educare Limited
NSE:MTEDUCARE
|
$1.53 Million |
|
CanadaBis Capital Inc
V:CANB
|
$1.53 Million |
|
ZyVersa Therapeutics Inc.
NASDAQ:ZVSA
|
$1.53 Million |
|
Mercia Technologies PLC
LSE:MERC
|
$1.53 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 comprehensive income increased equity by 30,129,999.
- Other factors decreased equity by 26,267,999.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | GBX11.64 Million | +23.48% |
| Share Repurchases | GBX8.06 Million | -16.26% |
| Other Comprehensive Income | GBX30.13 Million | +60.77% |
| Other Changes | GBX-26.27 Million | -52.98% |
| Total Change | GBX- | 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: 304.34x
- The company is trading at a significant premium to its book value, suggesting the market values its earnings potential, brand, or other intangibles highly.
- The price-to-book ratio has decreased from 386.85x to 304.34x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2016-12-31 | GBX0.35 | GBX134.50 | x |
| 2017-12-31 | GBX1.41 | GBX134.50 | x |
| 2018-12-31 | GBX1.62 | GBX134.50 | x |
| 2019-12-31 | GBX0.52 | GBX134.50 | x |
| 2020-12-31 | GBX0.47 | GBX134.50 | x |
| 2021-12-31 | GBX0.39 | GBX134.50 | x |
| 2022-12-31 | GBX0.38 | GBX134.50 | x |
| 2023-12-31 | GBX0.36 | GBX134.50 | x |
| 2024-12-31 | GBX0.37 | GBX134.50 | x |
| 2025-12-31 | GBX0.44 | GBX134.50 | 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 (-11.59%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2016 | -10.33% | -339.50% | 0.02x | 1.40x | GBX-6.90 Million |
| 2017 | -8.84% | -214.71% | 0.04x | 1.13x | GBX-17.27 Million |
| 2018 | -6.29% | -216.24% | 0.02x | 1.46x | GBX-24.44 Million |
| 2019 | -36.84% | -246.22% | 0.12x | 1.26x | GBX-22.98 Million |
| 2020 | -28.52% | -73.97% | 0.26x | 1.50x | GBX-14.82 Million |
| 2021 | -22.50% | -53.92% | 0.26x | 1.61x | GBX-10.21 Million |
| 2022 | -19.39% | -41.18% | 0.25x | 1.91x | GBX-10.06 Million |
| 2023 | -18.20% | -35.70% | 0.36x | 1.43x | GBX-10.03 Million |
| 2024 | 11.49% | 8.81% | 0.78x | 1.67x | GBX626.60K |
| 2025 | 23.48% | 17.66% | 1.06x | 1.26x | GBX6.68 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: $5,421,159,308
- Average return on equity (ROE) among peers: -33.35%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Trufin PLC (TRU) | GBX48.17 Million | -10.33% | 0.29x | $1.54 Million |
| Amigo Holdings PLC (AMGO) | $12.60 Million | -276.23% | 16.39x | $355.08K |
| ASA International Group PLC (ASAI) | $96.49 Million | 30.31% | 4.89x | $2.80 Million |
| Distribution Finance Capital Holdings PLC (DFCH) | $127.61 Million | 11.88% | 6.84x | $1.13 Million |
| Funding Circle Holdings PLC (FCH) | $4.92 Million | -83.15% | 0.67x | $5.09 Million |
| General Accident PLC (GACA) | $13.94 Billion | 0.99% | 0.00x | $374.75 Million |
| H&T Group plc (HAT) | $35.75 Million | 19.91% | 1.27x | $3.44 Million |
| International Personal Finance PLC (IPF) | $39.76 Billion | 0.00% | 15.47x | $6.63 Million |
| Sancus Lending Group Ltd (LEND) | $29.49 Million | -49.22% | 2.49x | $83.56K |
| Litigation Capital Management Limited (LIT) | $188.94 Million | 6.73% | 2.13x | $25.86K |
| Orchard Funding Group PLC (ORCH) | $15.80 Million | 5.31% | 1.05x | $150.69K |
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