Time Finance plc (AIM:TIME)

United Kingdom · Delayed Price · Currency is GBP · Price in GBX

58.20

-0.70 (-1.19%)

Nov 6, 2026, 4:35 PM GMT

Time Finance Financials Overview

Financials in millions GBP. Fiscal year is June - May.

Millions GBP. Fiscal year is Jun - May.

Revenue & Profits

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	May '26 May 31, 2026	May '26 May 31, 2026	May '25 May 31, 2025	May '24 May 31, 2024	May '23 May 31, 2023	May '22 May 31, 2022
Revenue	38.16	38.16	37.07	33.2	26.82	22.23
Revenue Growth	2.96%	2.96%	11.66%	23.79%	20.61%	1.47%
Operating Income	8.47	8.47	7.8	5.95	4.15	3.07
Net Income	6.25	6.25	5.86	4.44	3.45	0.92
Earnings Per Share	0.07	0.07	0.06	0.05	0.04	0.01
EPS Growth	6.69%	6.69%	32.01%	28.86%	274.19%	-46.18%

Revenue by Segment

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	May '25 May 31, 2025	May '24 May 31, 2024	May '23 May 31, 2023	May '22 May 31, 2022
Asset Finance	20.94	18.75	16.47	15.62
Invoice Finance	15.77	14.32	10.67	7.81
Other	0.08	0.02	0.29	-0.04
Total	36.79	33.09	27.42	23.39

Cash & Debt

Fiscal Year	Current	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	May '26 May 31, 2026	May '26 May 31, 2026	May '25 May 31, 2025	May '24 May 31, 2024	May '23 May 31, 2023	May '22 May 31, 2022
Cash & Investments	6.93	6.93	4.97	1.59	3.77	3.17
Total Debt	0.62	0.62	1.18	1.87	3.56	4.25
Net Cash (Debt)	6.31	6.31	3.8	-0.28	0.21	-1.08
Net Cash Growth	66.14%	66.14%	-	-	-	-
Net Cash Per Share	0.07	0.07	0.04	-0.00	0.00	-0.01

Cash Flow & CapEx

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	May '26 May 31, 2026	May '26 May 31, 2026	May '25 May 31, 2025	May '24 May 31, 2024	May '23 May 31, 2023	May '22 May 31, 2022
Operating Cash Flow	3.04	3.04	5.11	-0.17	2.43	-3.62
Capital Expenditures	-0.44	-0.44	-0.54	-0.25	-0.13	-0.15
Free Cash Flow	2.61	2.61	4.57	-0.42	2.3	-3.77
Free Cash Flow Growth	-42.90%	-42.90%	-	-	-	-

Margins

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	May '26 May 31, 2026	May '26 May 31, 2026	May '25 May 31, 2025	May '24 May 31, 2024	May '23 May 31, 2023	May '22 May 31, 2022
Operating Margin	22.18%	22.18%	21.04%	17.92%	15.47%	13.81%
Pretax Margin	21.99%	21.99%	21.19%	17.88%	15.21%	6.33%
Profit Margin	16.39%	16.39%	15.82%	13.39%	12.85%	4.14%
FCF Margin	6.83%	6.83%	12.32%	-1.26%	8.59%	-16.94%

Valuation

Fiscal Year	Current	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Nov '26 Nov 7, 2026	May '26 May 31, 2026	May '25 May 31, 2025	May '24 May 31, 2024	May '23 May 31, 2023	May '22 May 31, 2022
PE Ratio	8.61	6.08	9.03	8.61	7.52	20.88
Forward PE	7.56	5.51	8.67	8.35	7.50	6.42
P/FCF Ratio	20.47	14.59	11.59	-	11.25	-
PS Ratio	1.40	1.00	1.43	1.15	0.97	0.87