Time Finance plc (B5D1) AI Stock Analysis

Time Finance plc

(Frankfurt:B5D1)

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Positive Factors

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.

Negative Factors

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.

Time Finance plc (B5D1) vs. iShares MSCI Germany ETF (EWG)

Market Cap: EUR 54.00M
Dividend Yield: ―
Average Volume (3M): 2,364
Price to Earnings (P/E): 8.9
Beta (1Y): 0.48
Revenue Growth: 4.82%
EPS Growth: 13.78%
Country: Germany
Employees: 153
Sector: Financial
Sector Strength: 68
Industry: Financial - Credit Services

Time Finance plc Business Overview & Revenue Model

Company Description

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 Fi...

Time Finance plc Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

DE:B5D1 against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
GB:ORCH	82Outperform	GBP 14.95M	4.09	15.18%	5.71%	53.19%	129.54%
GB:DFCH	74Outperform	GBP 117.08M	6.35	13.97%	―	22.63%	33.09%
GB:TRU	72Outperform	GBP 54.70M	32.95	3.62%	―	-45.36%	-57.96%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
GB:FCH	67Neutral	GBP 571.83M	9.94	26.71%	―	52.96%	242.50%
GB:ASAI	66Neutral	GBP 245.00M	4.37	41.54%	5.00%	25.27%	69.00%

* Financial Sector Average

Performance Comparison

DE:B5D1 and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
DE:B5D1	Time Finance plc	0.69	0.15	28.70%
GB:ORCH	Orchard Funding	70.00	13.67	24.27%
GB:FCH	Funding Circle Holdings	207.00	71.40	52.65%
GB:TRU	Trufin Plc	101.50	28.43	38.90%
GB:DFCH	Distribution Finance Capital Holdings Plc	71.00	18.00	33.96%
GB:ASAI	ASA International Group PLC	245.00	79.39	47.94%

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.

Time Finance plc AI Stock Analysis