TRFNF (Trufin) Owner Earnings per Share (TTM): 0.14 (As of Dec. 2025)

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TRFNF Trufin PLC TRFNF
63 GF Score
Price $1.31
GF Value $1.06
Valuation Modestly Overvalued
View Full Analysis

What is Trufin Owner Earnings per Share (TTM)?

Trufin TRFNF 63 Owner Earnings per Share (TTM) is 0.14 as of Dec. 2025. GuruFocus rates TRFNF with a GF Score™ of 63/100 and a GF Value™ of $1.06 (Modestly Overvalued). Among 210 Credit Services companies, Trufin ranks better than 50% on this metric.

In 1986 Berkshire Hathaway Shareholder Letter, Warren Buffett defined owner earnings as follows:

"These represent (a) reported earnings plus (b) depreciation, depletion, amortization, and certain other non-cash charges...less (c) the average annual amount of capitalized expenditures for plant and equipment, etc. that the business requires to fully maintain its long-term competitive position and its unit volume (If the business requires additional working capital to maintain its competitive position and unit volume, the increment also should be included in (c))...Our owner-earnings equation does not yield the deceptively precise figures provided by GAAP, since (c) must be a guess - and one sometimes very difficult to make. Despite this problem, we consider the owner earnings figure, not the GAAP figure, to be the relevant item for valuation purposes - both for investors in buying stocks and for managers in buying entire businesses...All of this points up the absurdity of the 'cash flow' numbers that are often set forth in Wall Street reports. These numbers routinely include (a) plus (b) - but do not subtract (c)."

Trufin does not have enough data to calculate Owner Earnings per Share (TTM), so as Price-to-Owner-Earnings ratio.


The historical rank and industry rank for Trufin's Owner Earnings per Share (TTM) or its related term are showing as below:

TRFNF' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 6.45   Med: 12.04   Max: 14.8
Current: 9.34


During the past 9 years, the highest Price-to-Owner-Earnings ratio of Trufin was 14.80. The lowest was 6.45. And the median was 12.04.


TRFNF's Price-to-Owner-Earnings is ranked better than
50% of 210 companies
in the Credit Services industry
Industry Median: 9.36 vs TRFNF: 9.34

Trufin's Earnings per Share (Diluted) for the six months ended in Jun. 2026 was $-0.04. Its Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 was $0.03. It's PE Ratio (TTM) ratio for today is 39.70.

Trufin's EPS without NRI for the six months ended in Jun. 2026 was $-0.04. Its EPS without NRI for the trailing twelve months (TTM) ended in Jun. 2026 was $0.04. It's PE Ratio without NRI ratio for today is 29.77.


Be Aware

Assumption: Companies usually do not report maintenance capital expenditures and growth capital expenditures separately. Here we use estimated numbers and average them over 5 years. The method to estimate maintenance capital expenditures can be found in above part 4.

Note: GuruFocus' Change In Working Capital is provided by FactSet. It is calculated by adding the items under "Change in operating assets and liabilities" (may refer to a different name for different company) section in Cash Flow Statement from original financial report. And it includes non-current parts of assets and liabilities.


Trufin Owner Earnings per Share (TTM) Related Terms


Trufin Owner Earnings per Share (TTM) Historical Data

* Premium members only.

The historical data trend for Trufin's Owner Earnings per Share (TTM) can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Trufin Owner Earnings per Share (TTM) Chart

Trufin Annual Data
Trend Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Owner Earnings per Share (TTM)
Get a 7-Day Free Trial Premium Member Only - -0.09 -0.09 0.13 0.10

Trufin Semi-Annual Data
Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25 Jun26
Owner Earnings per Share (TTM) Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.03 0.13 0.16 0.10 -0.02

TRFNF vs NTES, TTWO, RBLX: Owner Earnings per Share (TTM) Comparison

For the Credit Services subindustry, Trufin's Price-to-Owner-Earnings, along with its competitors' market caps and Price-to-Owner-Earnings data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Trufin Price-to-Owner-Earnings vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Trufin's Price-to-Owner-Earnings distribution charts can be found below:

* The bar in red indicates where Trufin's Price-to-Owner-Earnings falls into.


TRFNF
63GF Score
Trufin PLC TRFNF
Owner Earnings per Share (TTM) is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Trufin Owner Earnings per Share (TTM) Calculation

In 1986 Berkshire Hathaway Shareholder Letter, Warren Buffett defined owner earnings as follows:

"These represent (a) reported earnings plus (b) depreciation, depletion, amortization, and certain other non-cash charges...less (c) the average annual amount of capitalized expenditures for plant and equipment, etc. that the business requires to fully maintain its long-term competitive position and its unit volume. (If the business requires additional working capital to maintain its competitive position and unit volume, the increment also should be included in (c))...Our owner-earnings equation does not yield the deceptively precise figures provided by GAAP, since (c) must be a guess - and one sometimes very difficult to make. Despite this problem, we consider the owner earnings figure, not the GAAP figure, to be the relevant item for valuation purposes - both for investors in buying stocks and for managers in buying entire businesses...All of this points up the absurdity of the 'cash flow' numbers that are often set forth in Wall Street reports. These numbers routinely include (a) plus (b) - but do not subtract (c)."

To make it simple, then you will have:

Owner Earnings per Share (TTM) = (Net Income + Depreciation, Depletion and Amortization + Change In Deferred Tax - 5Y Average of Maintenance Capital Expenditure + Change In Working Capital) / Shares Outstanding (Diluted Average)

Trufin does not have enough data to calculate Owner Earnings per Share (TTM). Please check Wal-Mart Stores Inc, as your reference.

What does a Owner Earnings per Share (TTM) of 0.14 mean?
Trufin (TRFNF) has a Owner Earnings per Share (TTM) of 0.14 as of Dec. 2025. Warren Buffett defined owner earnings as reported earnings plus depreciation less average maintenance capital expenditure. View historical data on Trufin. According to the industry distribution chart, Trufin ranks #105 out of 210 companies in the Credit Services industry, placing it in the top 50%.
Is Trufin's Owner Earnings per Share (TTM) too high?
Trufin's current Owner Earnings per Share (TTM) is 0.14. The Credit Services industry median Owner Earnings per Share (TTM) is 9.36. Trufin's value of 0.14 is 98.5% below this industry median. Based on the distribution chart, Trufin ranks #105 out of 210 companies in the Credit Services industry, which is above the industry midpoint. Overall, Trufin has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Trufin's Owner Earnings per Share (TTM) compare to NTES and TTWO?
According to the Credit Services industry distribution chart, Trufin ranks #105 out of 210 companies for Owner Earnings per Share (TTM). This puts Trufin in the upper half of its industry. The industry median Owner Earnings per Share (TTM) is 9.36. Trufin's value of 0.14 is 98.5% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Owner Earnings per Share (TTM) for a Credit Services company?
The median Owner Earnings per Share (TTM) among Credit Services companies is 9.36, based on 210 companies in the industry. Companies in the top quartile (top 25%) have a Owner Earnings per Share (TTM) significantly above this median, while those in the bottom quartile fall well below. However, Owner Earnings per Share (TTM) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Trufin's current Owner Earnings per Share (TTM) of 0.14 is 98.5% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Owner Earnings per Share (TTM) mean?
A high Owner Earnings per Share (TTM) can signal that a stock is expensive relative to its fundamentals. Warren Buffett defined owner earnings as reported earnings plus depreciation less average maintenance capital expenditure. View historical data on Trufin. For the Credit Services industry, the median Owner Earnings per Share (TTM) is 9.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Trufin's current Owner Earnings per Share (TTM) is 0.14. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Trufin stock overvalued right now?
Based on GuruFocus' analysis, Trufin (TRFNF) is currently considered Modestly Overvalued. The stock's GF Value™ is $1.06, compared to a current price of $1.31 — trading 23.6% above its estimated fair value. The current Owner Earnings per Share (TTM) is 0.14 and 98.5% below the Credit Services industry median of 9.36. Trufin's overall GF Score™ is 63/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Owner Earnings per Share (TTM) calculated?
Owner Earnings per Share (TTM) is calculated from a company's financial statements. For Trufin (TRFNF), the current Owner Earnings per Share (TTM) is 0.14 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Trufin (TRFNF) Overvalued in 2026?

Based on GuruFocus' analysis, Trufin stock appears to be overvalued. The current stock price of $1.31 is trading 23.6% above its estimated GF Value™ of $1.06. GuruFocus considers Trufin to be Modestly Overvalued.

Key valuation signals for TRFNF:

  • Owner Earnings per Share (TTM): 0.14
  • GF Value™: $1.06 vs. price of $1.31 (23.6% above fair value)
  • GF Score™: 63/100
  • Industry Position: 98.5% below the Credit Services median (#105 of 210)

No single metric tells the full story. See the TRFNF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Trufin Business Description

Other Exchanges TRU:UK29U:Germany
Address 120 Regent Street, London, GBR, W1B 5FE
Trufin PLC provides software and niche lending solutions, along with early payment services and game publishing. The group operates through four reportable segments: Satago, Oxygen, Playstack, and Other. The Satago segment provides distribution finance and invoice discounting services, while the Oxygen segment offers early payment programme services. The Playstack segment is involved in the publishing of video games. The Other segment includes investment-related activities. It generates the majority of its revenue from the Playstack segment.
63GF Score

Get the complete analysis for TRFNF

Owner Earnings per Share (TTM) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$1.31
Price
$1.06
GF Value