Time Finance plc (GB:TIME)
LSE:TIME
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TIME Stock Chart & Stats
54.00 p
1.10 p(1.79%)
At close: 4:00 PM EST
54.00 p
1.10 p(1.79%)
Day’s Range― - ―
52-Week Range40.11 p - 66.00 p
Previous CloseN/A
Volume5.75K
Average Volume (3M)261.70K
Market Cap
£42.56M
Enterprise Value35.73M
Total Cash (Recent Filing)£3.63M
Total Debt (Recent Filing)£1.32M
Price to Earnings (P/E)6.9
Beta0.43
Next Earnings
Sep 29, 2026EPS Estimate
0.03Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.07
Shares Outstanding92,512,700
10 Day Avg. Volume192,539
30 Day Avg. Volume261,699
Financial Highlights & Ratios
PEG Ratio0.28
Price to Book (P/B)0.74
Price to Sales (P/S)1.43
P/FCF Ratio11.65
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Low LeverageVery low leverage and a sizeable equity base provide durable financial flexibility for an SME lender. This reduces funding and solvency risk, enabling the firm to absorb credit stress, maintain lending through cycles and pursue growth without heavy reliance on volatile external debt markets.
Strong Margins & GrowthConsistent revenue growth paired with high gross and operating margins indicates durable pricing power and operational efficiency in core lending and invoice finance activities. These margins help absorb credit costs, fund origination capacity, and support sustainable profitability through business cycles.
Management Alignment & Portfolio GrowthA record lending portfolio plus increased insider ownership signal strong origination momentum and management alignment with shareholders. This structural backing and positive corporate governance enhance long-term market positioning and incentives to sustain disciplined growth via broker and partner channels.
Bears Say
Weak Operating Cash ConversionVery low operating cash conversion implies earnings do not readily translate into operating cash. For a finance business this can force reliance on external funding to expand the loan book, raising funding costs and introducing liquidity risk that can constrain autonomous, sustainable growth.
SME & Introducer ConcentrationHeavy exposure to SMEs and dependence on introducer/broker channels create structural concentration risks. SME credit cycles, local economic weakness, or disruption to broker relationships can reduce origination volumes and increase credit losses, making revenues and margins more cyclical and less predictable.
Modest ROE / Capital EfficiencyAn ROE of ~8.2% is modest given the equity-heavy structure. While conservative capitalization reduces solvency risk, it also signals limited capital efficiency. Sustained shareholder returns will depend on either faster profitable growth or improved margin/leveraging without compromising the firm’s low-leverage balance.
Time Finance plc News
TIME FAQ
What was Time Finance plc’s price range in the past 12 months?
Time Finance plc lowest share price was 40.11 p and its highest was 66.00 p in the past 12 months.
What is Time Finance plc’s market cap?
Time Finance plc’s market cap is £42.56M.
When is Time Finance plc’s upcoming earnings report date?
Time Finance plc’s upcoming earnings report date is Sep 29, 2026 which is in 111 days.
How were Time Finance plc’s earnings last quarter?
Time Finance plc released its earnings results on Jan 27, 2026. The company reported 0.035 p earnings per share for the quarter, the consensus estimate of 0.035 p by 0 p.
Is Time Finance plc overvalued?
According to Wall Street analysts Time Finance plc’s price is currently Overvalued.
Does Time Finance plc pay dividends?
Time Finance plc pays a Semiannually dividend of 0.413 p which represents an annual dividend yield of N/A. See more information on Time Finance plc dividends here
What is Time Finance plc’s EPS estimate?
Time Finance plc’s EPS estimate is 0.03.
How many shares outstanding does Time Finance plc have?
Time Finance plc has 92,512,700 shares outstanding.
What happened to Time Finance plc’s price movement after its last earnings report?
Time Finance plc reported an EPS of 0.035 p in its last earnings report, expectations of 0.035 p. Following the earnings report the stock price went down -0.755%.
Which hedge fund is a major shareholder of Time Finance plc?
Currently, no hedge funds are holding shares in GB:TIME
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Time Finance plc Stock Smart Score
Underperform
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10
Technicals
SMA
Negative
20 days / 200 days
Momentum
-13.79%
12-Months-Change
Fundamentals
Return on Equity
8.28%
Trailing 12-Months
Asset Growth
11.16%
Trailing 12-Months
Company Description
Time Finance plc
Time Finance plc, a company based in Bath, UK, offers a comprehensive suite of financial solutions to individuals and businesses across the United Kingdom. Its operations are structured into four key divisions: Asset Finance, Vehicle Finance, Loan Finance, and Invoice Finance. The firm's diverse portfolio encompasses vendor financing, hire purchase agreements, finance leases, and asset-backed lending. It also extends various business loan options—including unsecured, secured, and VAT-related facilities—alongside property funding solutions such as second-charge mortgages, bridging facilities, and bespoke buy-to-let financing. Historic offerings included COVID-19 business support programs, in addition to its comprehensive vehicle finance provisions. Founded in 2000, the entity rebranded as Time Finance plc in December 2020, having previously traded as 1pm plc.
Technical Analysis
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Options Prices
Currently, No data available
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