Time Finance plc (TIME) AI Stock Analysis

• Market Cap: £47.64M
• Dividend Yield: N/A
• Average Volume (3M): 261.70K
• Price to Earnings (P/E): 8.0
• Beta (1Y): 0.85
• Revenue Growth: 11.71%
• EPS Growth: 31.15%
• Country: UK
• Employees: 154
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): 0.03
• Shares Outstanding: 92,512,700
• 10 Day Avg. Volume: 192,539
• 30 Day Avg. Volume: 261,699
• PEG Ratio: 0.28
• Price to Book (P/B): 0.74
• Price to Sales (P/S): 1.43
• P/FCF Ratio: 11.65
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 80 Outperform
• Price Target: 60.00p ▲(11.11% Upside)

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.

Positive Factors

Revenue Growth

Consistent revenue growth indicates strong market demand and effective business strategies, supporting long-term expansion and stability.

Balance Sheet Health

A low debt-to-equity ratio suggests minimal financial risk, providing the company with flexibility to invest in growth opportunities.

Profitability

High profitability margins reflect efficient operations and cost management, enhancing the company's ability to reinvest in its business.

Negative Factors

Operating Cash Flow Conversion

Low cash flow conversion indicates potential challenges in liquidity management, which could impact the company's ability to fund operations.

Earnings Volatility

Significant earnings volatility can create uncertainty in financial performance, affecting investor confidence and strategic planning.

Operating Cash Flow

Weak operating cash flow conversion may limit the company's ability to generate cash internally, affecting its financial flexibility.

Time Finance plc Business Overview & Revenue Model

Company Description

Time Finance plc, together with its subsidiaries, provides financial products and services to consumers and businesses in the United Kingdom. It operates through four segments: Asset Finance, Vehicle Finance, Loan Finance, and Invoice Finance. The company offers vendor finance, hire purchase, finance leasing, asset-based lending, and invoice finance; business loans comprising unsecured, secured, and VAT loans; property finance, including second charge mortgages, bridging loans, and specialist but-to-let loans; coronavirus business interruption loans; recovery loan schemes; and vehicle finance solutions. The company was formerly known as 1pm plc and changed its name to Time Finance plc in December 2020. Time Finance plc was founded in 2000 and is based in Bath, the United Kingdom.

How the Company Makes Money

Time Finance plc generates revenue through multiple streams, primarily by offering financial products that cater to the needs of SMEs. Key revenue streams include interest income from loans and finance agreements, fees associated with the origination and management of finance products, and commissions from invoice financing. The company typically earns money by charging interest on the capital it provides to businesses, which is often higher than the cost of borrowing. Additionally, Time Finance may establish partnerships with brokers and other financial institutions to expand its reach and customer base, further contributing to its earnings. The company's ability to assess credit risk effectively and its focus on providing quick and flexible financing options play a significant role in its revenue generation strategy.

Time Finance plc Financial Statement Overview

Summary

Time Finance plc demonstrates solid financial health with strong revenue growth and profitability. The balance sheet is robust with low leverage, and cash flow generation is improving. While the operating cash flow conversion is an area to watch, the company's financial position is stable, supporting future growth and shareholder returns.

Income Statement

Time Finance plc has shown consistent revenue growth over the years, with a 3.97% increase in the latest period. The company maintains strong profitability metrics, with a gross profit margin of 58.40% and a net profit margin of 15.79%. The EBIT and EBITDA margins are also robust at 22.20% and 23.63%, respectively, indicating efficient operations and cost management.

Balance Sheet

The balance sheet reflects a strong equity position with a low debt-to-equity ratio of 0.016, indicating minimal leverage and financial risk. The return on equity is 8.17%, which shows a decent return for shareholders. The equity ratio of 31.14% suggests a stable financial structure with a significant portion of assets financed by equity.

Cash Flow

Cash flow analysis reveals a significant improvement in free cash flow, with a growth rate of 28.44%. The operating cash flow to net income ratio is 0.06, which is relatively low, suggesting potential challenges in converting income to cash. However, the free cash flow to net income ratio is strong at 0.89, indicating good cash generation relative to net income.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	37.12M	37.12M	33.23M	26.97M	22.49M	22.16M
Gross Profit	21.68M	21.68M	33.05M	15.37M	13.82M	12.85M
EBITDA	8.38M	8.77M	6.42M	4.72M	3.94M	3.55M
Net Income	5.86M	5.86M	4.44M	3.45M	921.00K	1.78M
Balance Sheet
Total Assets	230.34M	230.34M	209.74M	183.69M	153.31M	137.79M
Cash, Cash Equivalents and Short-Term Investments	4.97M	4.97M	1.59M	3.77M	3.17M	7.97M
Total Debt	1.18M	1.18M	1.87M	3.75M	4.25M	5.23M
Total Liabilities	158.57M	158.57M	143.60M	122.02M	95.26M	80.67M
Stockholders Equity	71.77M	71.77M	66.14M	61.67M	58.05M	57.12M
Cash Flow
Free Cash Flow	4.90M	4.57M	-420.00K	2.31M	-3.77M	5.35M
Operating Cash Flow	5.45M	5.11M	-170.00K	2.43M	-3.62M	5.66M
Investing Cash Flow	-543.00K	-205.00K	-154.00K	-129.00K	-154.00K	-511.00K
Financing Cash Flow	-1.52M	-1.52M	-1.86M	-1.45M	-979.00K	2.38M

Time Finance plc Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 54.00
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:TIME, the sentiment is Negative. The current price of 54 is above the 20-day moving average (MA) of 52.19, above the 50-day MA of 50.50, and below the 200-day MA of 54.26, indicating a neutral trend. The MACD of 0.32 indicates Positive momentum. The RSI at 49.24 is Neutral, neither overbought nor oversold. The STOCH value of 30.00 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for GB:TIME.

Time Finance plc Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
TIME	80 Outperform	£47.64M	8.05	8.50%	―	11.71%	31.15%
ORCH	75 Outperform	£12.81M	4.18	15.17%	3.33%	8.91%	94.32%
TRU	73 Outperform	£117.90M	26.15	―	―	203.09%	―
DFCH	72 Outperform	£87.79M	6.56	12.34%	―	17.35%	91.55%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FCH	64 Neutral	£373.42M	21.47	3.93%	―	7.90%	―
ASAI	56 Neutral	£194.50M	5.93	39.40%	4.74%	―	―

Time Finance plc Corporate Events

Time Finance Reports Record Growth in H1 2025/26

Time Finance plc has reported record revenues, profits, and a growing lending book for the first half of the 2025/26 financial year, marking eighteen consecutive quarters of growth. The company’s strategic focus on secured lending through its Invoice Finance and Asset Finance divisions has resulted in significant financial improvements, including increased net tangible assets and reduced arrears and write-offs, positioning the company for continued growth and value creation for shareholders.

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.

Time Finance Grants LTIP Awards to Executive Directors

Time Finance plc has announced the granting of 625,000 ordinary shares in the form of nil cost options to its executive directors under the 2025 Long Term Incentive Plan. The awards, which are subject to performance conditions over a three-year period, aim to align the interests of the executive directors with those of the shareholders, potentially impacting the company’s operational focus and stakeholder value.

The most recent analyst rating on (GB:TIME) stock is a Buy with a £61.00 price target. To see the full list of analyst forecasts on Time Finance plc stock, see the GB:TIME Stock Forecast page.

Time Finance CEO Exercises Share Options, Increases Stake

Time Finance plc announced the exercise of 411,667 share options by CEO Ed Rimmer under the company’s 2022 Unapproved Share Option Scheme. This transaction was fulfilled using existing shares held by the Time Finance Employee Benefit Trust, resulting in no new shares being issued. Consequently, Ed Rimmer’s shareholding increased to 1,331,498 ordinary shares, representing 1.4% of the company’s share capital. The total number of shares with voting rights remains unchanged at 92,512,704, which is relevant for shareholder interest calculations under regulatory guidelines.

The most recent analyst rating on (GB:TIME) stock is a Buy with a £61.00 price target. To see the full list of analyst forecasts on Time Finance plc stock, see the GB:TIME Stock Forecast page.

Time Finance Achieves Record Lending Portfolio Amid Growth Strategy

Time Finance plc has announced a record high in its lending book portfolio, reaching £230 million as of October 2025. This growth is part of the company’s three-year strategy to increase its gross lending portfolio to £300 million by May 2028. The significant growth in the Invoice Finance and Asset Finance sectors highlights the company’s strong market positioning and boosts confidence in meeting financial expectations for FY 2025/26. Upcoming investor events and key financial dates have been confirmed, with a trading update scheduled for December 2025.

The most recent analyst rating on (GB:TIME) stock is a Hold with a £52.00 price target. To see the full list of analyst forecasts on Time Finance plc stock, see the GB:TIME Stock Forecast page.

Time Finance Successfully Passes All AGM Resolutions

Time Finance plc announced that all resolutions proposed at their Annual General Meeting were passed by shareholders. This outcome reflects shareholder confidence and may positively impact the company’s operations and market positioning as it continues to provide financial solutions to UK businesses.

The most recent analyst rating on (GB:TIME) stock is a Hold with a £52.00 price target. To see the full list of analyst forecasts on Time Finance plc stock, see the GB:TIME Stock Forecast page.

Time Finance to Release H1 Trading Update and Engage Investors

Time Finance plc announced it will release its H1 FY2025/26 Trading Update on December 16, 2025, ahead of its full interim results in January 2026. The company has maintained positive trading momentum, aligning with market expectations, and plans to engage with investors through presentations at Mello London and Yellowstone Advisory events in November 2025.

The most recent analyst rating on (GB:TIME) stock is a Hold with a £57.00 price target. To see the full list of analyst forecasts on Time Finance plc stock, see the GB:TIME Stock Forecast page.