Time Finance plc (GB:TIME)
LSE:TIME
Top Page
Time Finance plc
(LSE:TIME)
Select Model
Select Model
Rating:80Outperform
Price Target:
48.00 p
▼(-11.11% Downside)
Action:ReiteratedDate:12/07/25
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
Low leverage
Extremely low debt-to-equity (0.016) and a solid equity ratio provide durable financial flexibility for a lending business. Minimal leverage reduces solvency risk through credit cycles, supports continued originations without immediate refinancing pressure, and preserves capital buffers.
Negative Factors
Weak cash conversion
An operating cash flow to net income ratio of 0.06 implies earnings are not yet translating consistently into operating cash. For a finance lender, weak cash conversion can constrain capacity to securitize or fund new loans and increases reliance on external liquidity during stress periods.
Read all positive and negative factors
Positive Factors
Negative Factors
Low leverage
Extremely low debt-to-equity (0.016) and a solid equity ratio provide durable financial flexibility for a lending business. Minimal leverage reduces solvency risk through credit cycles, supports continued originations without immediate refinancing pressure, and preserves capital buffers.
Read all positive factors
Time Finance plc (TIME) vs. iShares MSCI United Kingdom ETF (EWC)
Market Cap
£38.86M
Dividend YieldN/A
Average Volume (3M)261.70K
Price to Earnings (P/E)3.5
Beta (1Y)0.50
Revenue Growth11.71%
EPS Growth31.15%
CountryUK
Employees154
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)0.04
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
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...
How the Company Makes Money
Time Finance makes money primarily by earning finance income and fees from lending and related financing services to SMEs. Key revenue streams typically include: (1) Interest/finance charges on asset finance: the company funds the purchase of busi...
Time Finance plc Financial Statement Overview
Summary
Income Statement
85
Very Positive
Balance Sheet
78
Positive
Cash Flow
72
Positive
| Breakdown | TTM | May 2024 | May 2023 | May 2022 | May 2021 | May 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 37.69M | 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 | 8.57M | 8.77M | 6.42M | 4.72M | 3.94M | 3.55M |
| Net Income | 6.07M | 5.86M | 4.44M | 3.45M | 921.00K | 1.78M |
Balance Sheet | ||||||
| Total Assets | 244.96M | 230.34M | 209.74M | 183.69M | 153.31M | 137.79M |
| Cash, Cash Equivalents and Short-Term Investments | 3.63M | 4.97M | 1.59M | 3.77M | 3.17M | 7.97M |
| Total Debt | 1.32M | 1.18M | 1.87M | 3.75M | 4.25M | 5.23M |
| Total Liabilities | 170.01M | 158.57M | 143.60M | 122.02M | 95.26M | 80.67M |
| Stockholders Equity | 74.95M | 71.77M | 66.14M | 61.67M | 58.05M | 57.12M |
Cash Flow | ||||||
| Free Cash Flow | 1.48M | 4.57M | -420.00K | 2.31M | -3.77M | 5.35M |
| Operating Cash Flow | 1.93M | 5.11M | -170.00K | 2.43M | -3.62M | 5.66M |
| Investing Cash Flow | -389.00K | -205.00K | -154.00K | -129.00K | -154.00K | -511.00K |
| Financing Cash Flow | -1.18M | -1.52M | -1.86M | -1.45M | -979.00K | 2.38M |
Time Finance plc Technical Analysis
Negative
54.00
Price Trends
49.29
Negative
50.13
Negative
52.59
Negative
Market Momentum
-1.96
Positive
32.76
Neutral
34.69
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 45.05, above the 50-day MA of 49.29, and above the 200-day MA of 52.59, indicating a bearish trend. The MACD of -1.96 indicates Positive momentum. The RSI at 32.76 is Neutral, neither overbought nor oversold. The STOCH value of 34.69 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | £38.86M | 3.46 | 8.28% | ― | 11.71% | 31.15% | |
73 Outperform | £119.16M | 10.48 | 16.60% | ― | 203.09% | ― | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | £91.07M | 5.72 | 12.38% | ― | 17.35% | 91.55% | |
62 Neutral | £11.64M | 4.32 | 14.61% | 3.33% | 8.91% | 94.32% | |
61 Neutral | £187.00M | 2.44 | -965.56% | 4.74% | ― | ― | |
55 Neutral | £380.25M | 8.64 | 21.54% | ― | 7.90% | ― |
* Financial Sector Average
GB:TIME
Time Finance plc
42.00
-5.50
-11.58%
GB:ORCH
Orchard Funding
54.50
20.01
58.02%
GB:FCH
Funding Circle Holdings
132.40
33.30
33.60%
GB:TRU
TruFin
126.50
51.50
68.67%
GB:DFCH
Distribution Finance Capital Holdings Plc
55.50
22.50
68.18%
GB:ASAI
ASA International Group PLC
187.00
110.42
144.19%
Time Finance plc Corporate Events
Business Operations and StrategyFinancial Disclosures
Time Finance Hits Record Lending Book and Nine-Month Profits as Secured Lending Strategy Pays Off
Positive
Mar 24, 2026
Time Finance reported another strong quarter, with UK business demand for its multi-product funding driving its gross lending book to a record £236.4m, marking the nineteenth consecutive quarter of growth. The shift toward more secured lendin...
Business Operations and StrategyFinancial Disclosures
Time Finance hits record £236m lending book on sustained SME demand
Positive
Mar 16, 2026
Time Finance plc, the AIM-listed specialist finance provider to UK SMEs, continues to expand its multi-product lending franchise built around asset finance, invoice finance and secured loans, largely through an own-book model. The group targets sm...
Business Operations and StrategyFinancial Disclosures
Time Finance posts record lending book and higher profits as SME demand drives growth
Positive
Jan 27, 2026
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...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.