# Temple Bar Investment Trust PLC (TMPL.L) fundamentals

Data as of 2026-09-08. LSE, United Kingdom. Sector: Financial Services. Price 418p, market value 1.3 billionp.

## Valuation
- **P/E (trailing): 5.6×** (5-yr avg 558.8×, 3-yr avg 588.2×). Temple Bar Investment Trust PLC trades at 5.6× trailing earnings, well below its own five-year average of 558.8×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×.
- **Price / sales: 3.1×**. Each dollar of revenue is priced at 3.1×.
- **Price / book: 1.1×**. The shares trade at 1.1× book value; book value is a meaningful part of the valuation.
- **EV / EBITDA: 2.6×**. Enterprise value is 2.6× operating earnings before depreciation, the multiple that ignores how the company is financed; below 8× is inexpensive for most sectors.
- **Free-cash-flow yield: 5.0%** (5-yr avg 0.0%). Free cash flow equals 5.0% of the market value, above its five-year average of 0.0%, so the shares are cheaper on cash than they have usually been.
- **Earnings yield: 17.9%**. The inverse of the P/E: 17.9% of the price is earned each year.

## Profitability
- **Gross margin: 112.9%**. Temple Bar Investment Trust PLC keeps 112.9% of revenue after the direct cost of what it sells, the kind of margin that comes with software, brands or pricing power.
- **Operating margin: 115.1%**. 115.1% of revenue is left after running the business, an exceptional level.
- **Net margin: 96.0%**. 96.0% of each dollar of sales reaches the bottom line.
- **Return on equity: 25.9%**. 25.9% on shareholders' equity is excellent if it is not driven by leverage; sustained above 20% usually signals a competitive advantage.
- **Return on invested capital: 42.3%**. Return on all capital, debt included, is 42.3%: comfortably above what that capital costs.
- **Return on assets: 36.3%**. Each dollar of assets produces 36.3% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 273.9%** (3-yr 71.8%/yr). Revenue grew 273.9% over the last year.
- **EPS growth (1 yr): 98.0%**. Earnings per share rose 98.0%, slower than revenue, so margins compressed.
- **Free-cash-flow growth (3 yr): -1.2%/yr**. Free cash flow has compounded at -1.2% a year over three years.

## Financial health
- **Piotroski F-score: 7/9**. 7 of 9 fundamental checks pass: strong and improving financials.
- **Cash and short-term investments: 27 millionp**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend: none**. Temple Bar Investment Trust PLC does not currently pay a dividend, but it returned -0.3% of its market value through buybacks over the last year.

## Price and momentum
- **Total return (1 yr): 23.1%** (YTD 11.3%, 3-mo 7.4%). The shares are up 23.1% over twelve months including dividends.
- **From 52-week high: -2.7%** (22.0% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 54**. An RSI of 54 is neutral.
- **Beta (1 yr): 0.97** (volatility 14%). Beta of 0.97 against the FTSE All-Share: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=TMPL.L · Page: https://foliofundamentals.com/stocks/tmpl.l

Not investment advice.