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Time Finance plc ( (GB:TIME) ) has shared an update.
Time Finance reported a strong first half to 30 November 2025, posting record gross lending book of £235.3m and 18 consecutive quarters of lending book growth, driven by a 48% jump in own-book origination to £62.6m as demand from UK SMEs remained robust. Revenue edged up 4% to £18.8m while profit before tax rose 10% to £4.3m, lifting margins and earnings per share, supported by tighter cost efficiencies, an improvement in credit quality with lower arrears and bad debt write-offs, and an increasing skew towards secured lending, which now represents 87% of the portfolio. Strengthened net tangible assets, higher unearned income providing visibility of future earnings and continued funder support underpin the board’s confidence that full-year trading will be at least in line with expectations, marking a solid start to its strategic plan running to May 2028 and reinforcing its positioning as a growing specialist lender to UK SMEs.
The most recent analyst rating on (GB:TIME) stock is a Buy with a £60.00 price target. To see the full list of analyst forecasts on Time Finance plc stock, see the GB:TIME Stock Forecast page.
Spark’s Take on GB:TIME Stock
According to Spark, TipRanks’ AI Analyst, GB:TIME is a Outperform.
Time Finance plc’s strong financial performance and positive corporate events are the most significant factors driving the score. The technical analysis suggests potential for further gains, while the valuation indicates the stock is undervalued. The absence of earnings call data does not impact the overall assessment.
To see Spark’s full report on GB:TIME stock, click here.
More about Time Finance plc
Time Finance plc is an AIM-listed, multi-product alternative finance provider focused on helping UK SMEs access working capital through asset finance, invoice finance, asset-based lending and secured commercial loans. Primarily an own-book lender but with the ability to broker deals when appropriate, the group targets businesses with funding needs between £10,000 and £5 million, sourcing business via brokers, professional firms, equipment vendors and a growing direct channel, with a strategy centred on flexible funding and disciplined credit quality.
Average Trading Volume: 177,583
Technical Sentiment Signal: Hold
Current Market Cap: £49.03M
Find detailed analytics on TIME stock on TipRanks’ Stock Analysis page.