Time Finance plc (TIME) AI Stock Analysis

• Market Cap: £43.94M
• Dividend Yield: N/A
• Average Volume (3M): 261.70K
• Price to Earnings (P/E): 7.4
• Beta (1Y): 0.86
• 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: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 68 Neutral
• Price Target: 52.00p ▲(9.47% Upside)

Time Finance plc's overall stock score is primarily supported by its strong financial performance and attractive valuation. However, the technical analysis indicates bearish momentum, which tempers the overall score. The lack of earnings call data and corporate events does not impact the score calculation.

Time Finance plc Business Overview & Revenue Model

Company Description

Time Finance plc (TIME) is a UK-based financial services company that specializes in providing a diverse range of funding solutions to small and medium-sized enterprises (SMEs). The company operates primarily in the alternative finance sector, offering products such as asset finance, invoice finance, and business loans. With a focus on supporting the growth and development of businesses, Time Finance aims to deliver tailored financial solutions that meet the unique needs of its clients.

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	3.56M	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: 47.50
• 50DMA: Negative
• 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 47.5 is below the 20-day moving average (MA) of 49.37, below the 50-day MA of 52.17, and below the 200-day MA of 55.30, indicating a bearish trend. The MACD of -1.45 indicates Positive momentum. The RSI at 34.07 is Neutral, neither overbought nor oversold. The STOCH value of 24.36 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
ORCH	74 Outperform	£12.60M	4.11	15.17%	1.69%	8.91%	94.32%
DFCH	73 Outperform	£86.15M	6.43	12.34%	―	17.35%	91.55%
TIME	68 Neutral	£43.94M	7.42	8.50%	―	11.71%	31.15%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
LEND	46 Neutral	£2.58M	3.46	―	―	30.78%	―

Time Finance plc Corporate Events

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.

Time Finance Announces Vesting of Share Options Under 2022 Scheme

Time Finance plc has announced the vesting of 611,667 share options under its 2022 Unapproved Share Option Scheme, following the achievement of profit-based performance criteria. The vested options, held by key company figures including CEO Ed Rimmer, can be exercised at no cost before the expiry date in 2028, with the company planning to utilize existing shares from its Employee Benefit Trust for this purpose.

The most recent analyst rating on (GB:TIME) stock is a Buy with a £68.00 price target. To see the full list of analyst forecasts on Time Finance plc stock, see the GB:TIME Stock Forecast page.

Time Finance CFO Increases Stake in Company Shares

Time Finance plc announced that its Chief Financial Officer, James Roberts, has purchased 11,404 ordinary shares in the company, increasing his total shareholding to 675,000 shares, which represents 0.73% of the company’s issued share capital. This move is significant as it indicates confidence in the company’s future performance and may impact stakeholder perception positively.

The most recent analyst rating on (GB:TIME) stock is a Buy with a £68.00 price target. To see the full list of analyst forecasts on Time Finance plc stock, see the GB:TIME Stock Forecast page.

Time Finance Announces 2025 AGM and Annual Report Release

Time Finance plc has announced the publication of the notice for its 2025 annual general meeting, scheduled for 6 November 2025, at the Apex City of Bath Hotel. This announcement, alongside the availability of the company’s Annual Report and Accounts for the year ended 31 May 2025, reflects the company’s ongoing commitment to transparency and stakeholder engagement, which may impact its market positioning and stakeholder relations.

The most recent analyst rating on (GB:TIME) stock is a Buy with a £68.00 price target. To see the full list of analyst forecasts on Time Finance plc stock, see the GB:TIME Stock Forecast page.

Time Finance Reports Record Q1 Revenues and Asset Growth

Time Finance plc has reported record quarterly revenues and net tangible assets for the first quarter of the financial year ending 31 August 2025. The company’s lending book has seen growth for seventeen consecutive quarters, driven by strong demand for its multi-product funding offerings. The focus on secured lending through its Invoice Finance and Asset divisions has increased, now accounting for 85% of the lending book. The company maintains stable levels of arrears and write-offs, reflecting its commitment to responsible lending. The board remains confident in achieving further growth and meeting market expectations for the financial year ending 31 May 2026.

The most recent analyst rating on (GB:TIME) stock is a Buy with a £68.00 price target. To see the full list of analyst forecasts on Time Finance plc stock, see the GB:TIME Stock Forecast page.

Time Finance Reports Record Financial Performance Amid Strategic Growth

Time Finance plc has reported strong financial results for the year ending 31 May 2025, with record revenues and profits despite challenging macroeconomic conditions. The company’s strategic focus on secured and own-book lending has led to significant growth in its lending book and net tangible assets, positioning it well for future shareholder value enhancement. The conclusion of its four-year strategy has seen a successful increase in revenue, profit before tax, and earnings per share, with the company now embarking on a new three-year plan to continue its growth trajectory.

The most recent analyst rating on (GB:TIME) stock is a Buy with a £68.00 price target. To see the full list of analyst forecasts on Time Finance plc stock, see the GB:TIME Stock Forecast page.

Time Finance Announces Key Financial Reporting Dates and AGM

Time Finance plc has announced key dates for its financial reporting, including the release of its audited annual results for the year ending 31 May 2025, scheduled for 24 September 2025. The company expects its trading performance for the current financial year to meet market expectations, indicating stable operations. Additionally, the company will hold its Annual General Meeting on 6 November 2025, providing further engagement opportunities for shareholders.

The most recent analyst rating on (GB:TIME) stock is a Buy with a £68.00 price target. To see the full list of analyst forecasts on Time Finance plc stock, see the GB:TIME Stock Forecast page.