B5D1 Stock Chart & Stats
€0.64
<€0.01(0.90%)
At close: 4:00 PM EDT
€0.64
<€0.01(0.90%)
Day’s Range― - ―
52-Week Range€0.45 - €0.71
Previous CloseN/A
Volume0.00
Average Volume (3M)157.00
Market Cap
€65.06M
Enterprise Value€41.68M
Total Cash (Recent Filing)€3.63M
Total Debt (Recent Filing)€1.32M
Price to Earnings (P/E)8.9
Beta0.49
Next Earnings
Jan 20, 2027EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.07
Shares Outstanding92,512,700
10 Day Avg. Volume2
30 Day Avg. Volume157
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)0.09
Revenue Forecast (FY)€48.39M
Bulls Say, Bears Say
Bulls Say
High MarginsSustained high gross and net margins indicate strong pricing power and efficient cost control across asset and invoice finance lines. These margins support durable profitability through lending cycles and provide buffer for credit losses, underpinning long-term earnings resilience.
Very Low LeverageExtremely low debt levels and a solid equity ratio give the firm financial flexibility to grow the loan book, absorb credit shocks and avoid heavy refinancing costs. This conservative capital structure reduces systemic funding risk and supports sustainable operations.
Consistent Revenue & EPS GrowthSteady top-line growth and stronger EPS dynamics, alongside a reported record lending portfolio, point to scalable origination and improving profitability. That trend supports compoundable earnings and loan-book expansion over the medium term if credit quality is maintained.
Bears Say
Weak Operating Cash ConversionA very low operating cash flow to net income ratio signals earnings are not translating into cash efficiently. For a lender, poor cash conversion can constrain funding for new originations, increase reliance on external financing and pressure liquidity during stress periods.
Reliance On Introducer ChannelsDependence on brokers and introducers expands origination reach but raises acquisition costs and reduces direct control over credit selection. Over time, commission pressures and variable introducer flows can compress net yields and increase origination volatility.
Modest Return On EquityAn ROE around 8% is modest for a finance specialist and suggests limited efficiency in converting equity into earnings. Without higher leverage, margin expansion or faster growth, shareholder returns may remain constrained relative to peers in the financial sector.
Time Finance plc News
B5D1 FAQ
What was Time Finance plc’s price range in the past 12 months?
Time Finance plc lowest stock price was €0.45 and its highest was €0.71 in the past 12 months.
What is Time Finance plc’s market cap?
Time Finance plc’s market cap is €65.06M.
When is Time Finance plc’s upcoming earnings report date?
Time Finance plc’s upcoming earnings report date is Jan 20, 2027 which is in 86 days.
How were Time Finance plc’s earnings last quarter?
Time Finance plc released its earnings results on Jan 27, 2026. The company reported €0.042 earnings per share for the quarter.
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 does not currently pay dividends.
What is Time Finance plc’s EPS estimate?
Time Finance plc’s EPS estimate for its next earnings report is not yet available.
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 €0.042 in its last earnings report. Following the earnings report the stock price went down -2.239%.
Which hedge fund is a major shareholder of Time Finance plc?
Currently, no hedge funds are holding shares in DE:B5D1
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
Neutral
1
2
3
4
5
6
7
8
9
10
Technicals
SMA
Positive
20 days / 200 days
Momentum
21.44%
12-Months-Change
Fundamentals
Return on Equity
8.28%
Trailing 12-Months
Asset Growth
―
Trailing 12-Months
Learn more about TipRanks Smart Score
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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