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Equity
TIME
+0.0 · +0.00%
GBX · LSE

Time Finance PLC(TIME) Stock Analysis | Financial Services

GBX --+0.00%
Reward74High
Risk37Moderate
75%Data
Strong 16% profit margin
Quality Compounder
Market Cap:52.62M
ⓘ
Reward Rating
74
High
Reward Assessment
75% data coverage
Top 10% of stocksView factors
ⓘ
Risk Rating
37
Moderate
Risk Assessment
2 metrics flaggedView details

Educational tool only – Scores are based on historical data and financial metrics for informational purposes. This is not financial advice or a recommendation to buy or sell any security. Always conduct your own research or consult a qualified financial adviser.

Educational tool only · More
Limited data coverage
We don't have enough public data on TIME to score it reliably yet — Reward, Risk, Forecasts and Dividends tabs aren't available for this stock. The price chart and basic profile are still shown.
OTC / ADR stock — scores and fundamentals use data tagged in USD by our provider. The issuer may report in a different home currency (e.g. JPY), so treat figures as directional rather than precise.
New listing — limited trading history
Fundamental and analyst data are available for TIME, but momentum and volatility metrics will develop as more trading history accumulates (0 trading sessions so far).
Not available yet for this stock
The overview tab requires data we don't have for this stock yet. The price chart is the most reliable view we have — try the Chart tab.
Earnings Ex-dividend

Market Performance

Stock returned +10.0% over the past year, broadly in line with market conditions.

Analyst Target

Analyst consensus price target: 112p.

What is Time Finance PLC?

Time Finance plc, together with its subsidiaries, provides financial products and services to consumers and businesses in the United Kingdom.

TIME · Verdict

Strong reward · moderate risk

TIME scores well on valuation and balance sheet with no major weaknesses flagged in the model.

Based on 88% data coverage

TIME · Verdict

What’s working & what to watch

Strengths 5

  • Valuation98/100

    P/E 7.5× · PEG 0.75

  • Balance sheet90/100

    Interest covered 21.4×

  • Profitability80/100

    27% net margin · 8% ROE

  • Cash flow79/100

    21% free-cash-flow margin

  • Growth77/100

    Rev +16.2% CAGR · earnings +85.3%

No major weaknesses flagged.

Model-based scoring. For information only — not financial advice.

What is Time Finance PLC?

Time Finance plc, together with its subsidiaries, provides financial products and services to consumers and businesses in the United Kingdom. The company operates through Asset Finance and Invoice Finance segments. The company is listed on the LSE in UK, operating in the Financial Services sector, with a market capitalisation of 52.62M, and a P/E ratio of 8.2x.

Financial Highlights

Investment Breakdown

Growth
Revenue and earnings growing steadily, indicating improving operating performance.
Profitability
Strong margins and consistent earnings support financial stability.
Risk
Risk profile appears balanced versus broad market conditions.
Valuation
Currently trading below intrinsic value estimates, suggesting upside potential.

OpenBook Logo Analysis

Reward: High (74)

The scoring profile indicates a strong reward potential, driven primarily by valuation and profitability. Risk indicators are moderate, consistent with typical market exposure.

For informational purposes only. Not financial advice.

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Company Information
SectorFinancial Services
IndustryCredit Services
Market Cap52.62M
P/E Ratio8.2
Dividend YieldN/A
Beta0.874
Insider Activity
12M windowAwaiting coverage
LSE director-dealings coverage launching later this year. The data feed is in development.
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