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
£42.32M
Enterprise Value35.73M
Total Cash (Recent Filing)£3.63M
Total Debt (Recent Filing)£1.32M
Price to Earnings (P/E)6.9
Beta0.46
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)0.07
Revenue Forecast (FY)£38.50M
Bulls Say, Bears Say
Bulls Say
Balance Sheet StrengthExtremely low leverage provides durable financial flexibility for a lending franchise. Minimal debt lowers funding stress during credit cycles, supports capacity to originate and hold assets, and gives management optionality to fund growth or absorb impairments without raising immediate capital.
High Profitability MarginsSustainably high gross and operating margins point to pricing power and efficient cost structure in core lending and invoice finance activities. Strong margins support reinvestment, underwriting resources and resilience to credit loss volatility, underpinning long-term cash generation.
Improving Free Cash FlowMaterial FCF growth and near parity of FCF to net income indicate the business is converting earnings into ownership-facing cash. This strengthens internal funding for loan growth, supports capital allocation choices, and reduces reliance on external funding over the medium term.
Bears Say
Weak Cash ConversionVery low operating cash conversion signals earnings are not translating into recurring operating cash, raising concerns about working capital timing or accounting items. Persistently weak conversion can strain liquidity and force reliance on balance sheet or external funding in stress periods.
Modest ROEAn ROE in the mid-single digits is modest for a specialist lender and may limit long-term shareholder returns absent higher margins or calibrated leverage. A relatively high equity base constrains leverage-driven EPS growth in a lending model without improved asset yields or efficiency gains.
Limited Revenue GrowthLow-to-moderate top-line growth suggests the company may be growing only modestly relative to market potential. Without faster origination or new channels/products, revenue growth may not sustainably outpace cost or credit cyclicality, limiting scale benefits over the medium term.
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 £42.32M.
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 116 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, 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.
Technical Analysis
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Options Prices
Currently, No data available
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