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Time Finance plc (TIME) AI Stock Analysis
Time Finance plc
(LSE:TIME)
Time Finance plc (GB:TIME) receives an overall score of 70, reflecting a moderately positive outlook. The company's strong financial health, particularly its low debt and solid cash flow generation, is the primary driver. Attractive valuation based on P/E ratio provides support, though mixed technical indicators and the recent gross margin contraction present near-term headwinds.
Time Finance plc (TIME) vs. iShares MSCI United Kingdom ETF (EWC)
- Market Cap
- GBP 54.00M
- Dividend Yield
- ―
- Average Volume (3M)
- 300.04K
- Price to Earnings (P/E)
- 8.9
- Beta (1Y)
- 0.34
- Revenue Growth
- 5.19%
- EPS Growth
- 14.53%
- 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...
How the Company Makes Money
Time Finance plc primarily makes money by lending to businesses and earning a return on those financing arrangements. Its key revenue streams typically include: (1) Interest income and finance charges: revenue earned over time on business loans and a...
Time Finance plc Financial Statement Overview
Summary
Robust financial health with strong profitability growth (net profit margin 15.79%, EBIT margin 22.20%), a resilient balance sheet (debt-to-equity 0.016, ROE 8.17%), and positive cash flow trends (free cash flow up 28.44%). However, a sharp decline in gross margin (58.40% vs 99.46% prior) warrants monitoring.
Income Statement
65PositiveBalance Sheet
80PositiveCash Flow
75Positive| Breakdown | TTM | May 2024 | May 2023 | May 2022 | May 2021 | May 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 37.69M | 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 | 8.57M | 8.77M | 6.42M | 4.72M | 3.94M | 3.55M |
| Net Income | 6.07M | 5.86M | 4.44M | 3.45M | 921.00K | 1.78M |
Balance Sheet | ||||||
| Total Assets | 244.96M | 230.34M | 209.74M | 183.69M | 153.31M | 137.79M |
| Cash, Cash Equivalents and Short-Term Investments | 3.63M | 4.97M | 1.59M | 3.77M | 3.17M | 7.97M |
| Total Debt | 1.32M | 1.18M | 1.87M | 3.75M | 4.25M | 5.23M |
| Total Liabilities | 170.01M | 158.57M | 143.60M | 122.02M | 95.26M | 80.67M |
| Stockholders Equity | 74.95M | 71.77M | 66.14M | 61.67M | 58.05M | 57.12M |
Cash Flow | ||||||
| Free Cash Flow | 1.48M | 4.57M | -420.00K | 2.31M | -3.77M | 5.35M |
| Operating Cash Flow | 1.93M | 5.11M | -170.00K | 2.43M | -3.62M | 5.66M |
| Investing Cash Flow | -389.00K | -205.00K | -154.00K | -129.00K | -154.00K | -511.00K |
| Financing Cash Flow | -1.18M | -1.52M | -1.86M | -1.45M | -979.00K | 2.38M |
Time Finance plc Technical Analysis
Price Trends
Market Momentum
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 below the 20-day moving average (MA) of 58.90, above the 50-day MA of 58.22, and above the 200-day MA of 50.52, indicating a neutral trend. The MACD of 0.30 indicates Positive momentum. The RSI at 88.44 is Negative, 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
GB:DFCH74Outperform
GB:TRU72Outperform- GB:TIME70Outperform
GB:ORCH69Neutral
GB:FCH67Neutral
GB:ASAI66Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| 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% |
| GB:TIME | 70Outperform | GBP 54.49M | 8.90 | 8.28% | ― | 5.19% | 14.53% |
| GB:ORCH | 69Neutral | GBP 14.95M | 4.09 | 15.18% | 5.71% | 53.19% | 129.54% |
| 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 | 4.38 | 41.54% | 5.00% | 25.27% | 69.00% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| GB:TIME | Time Finance plc | 58.90 | 10.40 | 21.44% | |
| 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% |
Time Finance plc Corporate Events
Time Finance hits record profits as lending book tops £250m
PositiveTime Finance plc reported its 20th consecutive quarter of lending book growth, with its gross lending book reaching a record £250.9m and revenues and profits at all-time highs for the year to 31 May 2026. The group’s strategy of emphasisin...
Time Finance hits £250m lending milestone and sets timetable for results
PositiveTime Finance has reported that its gross lending book has surpassed £250m, up from £217m a year earlier, marking a record level and the company’s 20th consecutive quarter of loan book growth. Continued demand from UK businesses for it...
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: Dec 07, 2025