Time Finance plc (TIME) AI Stock Analysis

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Time Finance plc

(LSE:TIME)

Select Model

Rating:72Outperform

Price Target:GBX 65.00▲(10.36% Upside)

Action:reiterated

Date:11/12/26

The company's financial health is the primary driver, anchored by a fortress balance sheet and high revenue growth, though cash flow conversion remains a key risk. The stock's steady technical uptrend and low P/E valuation provide additional support, resulting in a solid overall score.

Positive Factors

Revenue and Profit GrowthThe multi-year expansion in revenue and net income indicates growing business scale and improving earnings power. This provides a durable foundation for reinvestment and supports resilience over the next several quarters, provided the company can maintain its recent operating performance.

Negative Factors

Volatile Cash GenerationRepeated periods of negative operating and free cash flow reduce confidence that accounting earnings will convert consistently into cash. For a credit-services business, uneven cash generation can complicate funding, capital allocation, and the ability to sustain growth through different working-capital cycles.

Time Finance plc (TIME) vs. iShares MSCI United Kingdom ETF (EWC)

Market Cap: GBP 54.00M
Dividend Yield: ―
Average Volume (3M): 306.48K
Price to Earnings (P/E): 8.7
Beta (1Y): 0.35
Revenue Growth: 3.69%
EPS Growth: 6.25%
Country: UK
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 Financial Statement Overview

Summary

Strong revenue growth (21% in FY2026) and expanding net profit margin (16.2% TTM) are offset by a low operating cash flow coverage ratio (0.03x TTM), indicating profits are tied up in working capital. The pristine, virtually debt-free balance sheet (D/E 0.008) and improving ROE (8.0%) provide a solid foundation.

Income Statement

78Positive

Balance Sheet

92Very Positive

Cash Flow

65Positive

Financial statement breakdown
Breakdown	TTM	May 2025	May 2024	May 2023	May 2022	May 2021
Income Statement
Total Revenue	38.49M	38.49M	37.12M	33.23M	26.97M	22.49M
Gross Profit	21.42M	22.57M	21.68M	33.05M	15.37M	13.82M
EBITDA	9.09M	9.29M	8.77M	6.42M	4.72M	3.94M
Net Income	6.25M	6.25M	5.86M	4.44M	3.45M	921.00K
Balance Sheet
Total Assets	261.75M	261.75M	230.34M	209.74M	183.69M	153.31M
Cash, Cash Equivalents and Short-Term Investments	6.92M	6.92M	4.97M	1.59M	3.77M	3.17M
Total Debt	620.00K	620.00K	1.18M	1.87M	3.75M	4.25M
Total Liabilities	183.75M	183.75M	158.57M	143.60M	122.02M	95.26M
Stockholders Equity	78.00M	78.00M	71.77M	66.14M	61.67M	58.05M
Cash Flow
Free Cash Flow	2.61M	2.61M	4.57M	-420.00K	2.31M	-3.77M
Operating Cash Flow	3.05M	3.04M	5.11M	-170.00K	2.43M	-3.62M
Investing Cash Flow	-437.00K	-434.00K	-205.00K	-154.00K	-129.00K	-154.00K
Financing Cash Flow	-655.00K	-655.00K	-1.52M	-1.86M	-1.45M	-979.00K

Time Finance plc Technical Analysis

Technical Analysis SentimentPositive

Last Price58.90

Price Trends

50DMA58.47Positive

100DMA55.42Positive

200DMA50.90Positive

Market Momentum

MACD0.13Positive

RSI58.95Neutral

STOCH50.00Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:TIME, the sentiment is Positive. The current price of 58.90 is above the 20-day moving average (MA) of 58.87, above the 50-day MA of 58.47, and above the 200-day MA of 50.90, indicating a bullish trend. The MACD of 0.13 indicates Positive momentum. The RSI at 58.95 is Neutral, neither overbought nor oversold. The STOCH value of 50.00 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GB:TIME.

Time Finance plc Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

GB:TIME against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
GB:TRU	86Outperform	GBP 46.13M	27.79	3.62%	0.88%	-45.36%	-57.96%
GB:ASAI	73Outperform	GBP 274.00M	4.83	41.54%	1.90%	25.27%	69.00%
GB:TIME	72Outperform	GBP 54.49M	8.66	8.18%	―	3.69%	6.25%
GB:DFCH	71Outperform	GBP 113.78M	6.17	13.97%	―	22.63%	33.09%
GB:FCH	69Neutral	GBP 688.65M	12.01	26.71%	―	52.96%	242.50%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
GB:ORCH	66Neutral	GBP 16.12M	4.42	15.18%	5.30%	53.19%	129.54%

* Financial Sector Average

Performance Comparison

GB:TIME and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
GB:TIME	Time Finance plc	58.90	8.90	17.80%
GB:ORCH	Orchard Funding	75.50	21.05	38.66%
GB:FCH	Funding Circle Holdings	250.00	126.60	102.59%
GB:TRU	Trufin Plc	85.60	29.20	51.77%
GB:DFCH	Distribution Finance Capital Holdings Plc	69.00	18.00	35.29%
GB:ASAI	ASA International Group PLC	274.00	106.97	64.04%

Time Finance plc Corporate Events

Financial DisclosuresShareholder Meetings

Time Finance sets dates for FY 2026 results and AGM

Neutral

Oct 12, 2026

Time Finance plc has set out its key dates for the remainder of its 2026 financial calendar, confirming that it will publish audited final results for the financial year ended 31 May 2026, along with its Annual Report and Financial Statements, on 5 N...

Business Operations and StrategyM&A TransactionsShareholder Meetings

Time Finance Shareholders Approve Cash Takeover by Bentley Park

Positive

Oct 1, 2026

Time Finance shareholders have backed a recommended cash takeover by Bentley Park (UK) Limited, the parent of Ultimate Finance Group, via a court-sanctioned scheme of arrangement. The court meeting saw 90.47% of scheme shares voted in favour, while 9...

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.

Date of analysis: Nov 11, 2026

Time Finance plc AI Stock Analysis