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TRU

TruFin plc
Chart
134.50 GBp
Latest Week 2026-07-10
Snapshot 2026-07-12 · 0.6w · Fresh
0.68
OS Score
26.0%
Value
95.0%
Quality
92.0%
Momentum
9/9
F-Score
0.497
QV
Strategy Eligibility
7 of 23 passing
OS Composite
Trending Value
Quality × Value
🏛
Cornerstone Value
🌿
Cornerstone Growth
💎
Deep Value
P/E 10.9
VC2 Cheapest
📐
EBITDA/EV
11.7%
Veiled Value
Piotroski Bargains
🔬
Quality Compounders
📈
Consistent Earners
🌱
GARP
Rev +20%
🔄
Shareholder Yield
6.4%
💰
High Yield
🚀
Momentum Leaders
12-1 53%
Market Leaders
Tiny Titans
🔍
Small Cap Value
🛡
Low Volatility
🏷
Sector Cheapest
🧠
Capital Allocators
CAQ 0.83
Risk-Adj Momentum
RAM 1.76
V
Value Analysis
Cheapness relative to fundamentals
26.0%ile
P/E
10.9×
P/S
1.9×
P/B
2.6×
E/P
0.0807
FCF Yield
0.083
EBITDA/EV
0.117
SH Yield
0.064
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
76.00000000
/100 — 1=cheapest
VC2 (Trending Value)
30.00000000
/100
VC3 (Buyback)
28.00000000
/100
P/E of 10.9x places this firmly in deep value territory. FCF yield of 8.3% is strong — the business generates significant free cash relative to price.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
95.0%ile
ROE
0.235
ROA
0.187
Net Margin
0.177
Op Margin
0.142
GPA
0.338
Current
2.02
F-Score
9/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
0.200
Earn Growth
1.583
Accruals
-0.042
lower=better
5yr Consist
No
ROE of 23% is exceptional. F-Score of 9/9 indicates strong fundamental improvement across multiple dimensions.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
92.0%ile
6M Return
12.6%
12M Return
51.1%
12-1 Mom
52.8%
Risk-Adj
1.76
Vol 252d
30.0%
Vol 60d
49.8%
↑ Expanding
Max DD 12M
-11.9%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
12-1 momentum of 53% is very strong — a clear uptrend. Risk-adjusted momentum of 1.76 is excellent — strong returns relative to volatility. Near-term vol (50%) is expanding vs long-term (30%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.68
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
Sector Context
Sector Value %ile
25.4%
Sector Quality %ile
88.1%
P/E z-score
-0.28
P/B z-score
-0.21
Sector Avg OS
55.8%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
SymbolNameOSValueQualityMomentum
SNWS Smiths News plc 98.0% 91.0% 91.0% 88.0%
AAF Airtel Africa Plc 97.0% 78.0% 99.0% 96.0%
FDEV Frontier Developments plc 96.0% 82.0% 95.0% 84.0%
PEBB The Pebble Group plc 95.0% 88.0% 78.0% 85.0%
SFOR S4 Capital plc 92.0% 93.0% 24.0% 93.0%
TBLD tinyBuild, Inc. 92.0% 93.0% 27.0% 93.0%
LBG LBG Media plc 90.0% 97.0% 94.0% 0.0%
FOUR 4imprint Group plc 90.0% 82.0% 96.0% 27.0%
Factor Interactions
Growth at Reasonable Price
Revenue growing 20% with P/E of 11×. Growth isn't fully priced in.
Quality Momentum — Expensive
Strong quality (95th) and momentum (92th) but expensive (26th value). Premium priced — watch for mean reversion.
Strong Capital Return
Shareholder yield 6.4% backed by 8.3% FCF yield. Returns are well-funded.
Quality at a Premium
High quality (95th) but expensive (26th value). Upside may be limited without earnings growth.
Volatility Expanding
60-day vol (50%) significantly exceeds 252-day (30%). Near-term risk is elevated.
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
B
73.7% avg (7 factors)
Quality
B
70.9% avg (7 factors)
Momentum
A
78.1% avg (4 factors)
Risk
B
66.7% avg (1 factors)
This stock sits in the O'Shaughnessy sweet spot — cheap AND high quality. Historically, this combination has generated the strongest long-term returns. Momentum is confirming the value — this is the Trending Value signal that O'Shaughnessy found to be among the most powerful.
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Score Trends6 snapshots
Factor Persistence6 snapshots
FactorCurrentStreakTrendSpark
OS Composite0.680—0
Value %ile0.260—6
Quality %ile0.950—6
Momentum %ile0.920—6
F-Score9.000—6
Confidence0.738—6
Volatility0.300—0
Value Lens2021-07-13 → 2026-07-12
P/E Ratio
Earnings Yield
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
10.89
Earnings Yield (E/P)
0.0807
Price / Sales
1.92
Price / Book
2.56
Price / Cash Flow
8.87
FCF Yield
8.3%
EBITDA / EV
11.7%
Sales Yield (1/P·S)
0.5694
Shareholder Yield
Div + net buyback / mktcap
6.4%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
23.5%
Return on Assets
18.7%
Net Margin
17.7%
Operating Margin
14.2%
Gross Profit / Assets
Novy-Marx GPA
33.8%
Current Ratio
2.02
Accruals Ratio
(NI-OCF)/Assets — lower=better
-0.042
MomentumPrice trend strength over different horizons
6M Return
12.6%
12M Return
51.1%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
52.8%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
1.76
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
20.0%
Earnings Growth (YoY)
158.3%
5yr Consistent
EPS up every year for 5 years
No
Piotroski F-Score
9
Buyback Yield
6.4%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
76
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
30
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
28
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
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Op Income
OCF
CapEx
Equity