Time Finance plc (AIM:TIME)

London · Delayed Price · Currency is GBP · Price in GBX

57.16

+4.66 (8.88%)

Aug 17, 2026, 9:57 AM 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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '25 Nov 30, 2025	May '25 May 31, 2025	May '24 May 31, 2024	May '23 May 31, 2023	May '22 May 31, 2022	May '21 May 31, 2021
Revenue	37.76	37.07	33.2	26.82	22.23	21.91
Revenue Growth	6.51%	11.66%	23.79%	20.61%	1.47%	-24.13%
Operating Income	8.07	7.8	5.95	4.15	3.07	2.55
Net Income	6.07	5.86	4.44	3.45	0.92	1.78
Earnings Per Share	0.07	0.06	0.05	0.04	0.01	0.02
EPS Growth	14.95%	32.01%	28.86%	274.19%	-46.18%	6.32%

Revenue by Segment

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '25 Nov 30, 2025	May '25 May 31, 2025	May '24 May 31, 2024	May '23 May 31, 2023	May '22 May 31, 2022	May '21 May 31, 2021
Asset Finance	21.16	20.94	18.75	16.47	15.62	12.7
Invoice Finance	16.12	15.77	14.32	10.67	7.81	6.48
Other	-	0.08	0.02	0.29	-0.04	0.02
Total	37.35	36.79	33.09	27.42	23.39	23.97

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '25 Nov 30, 2025	May '25 May 31, 2025	May '24 May 31, 2024	May '23 May 31, 2023	May '22 May 31, 2022	May '21 May 31, 2021
Cash & Investments	3.64	4.97	1.59	3.77	3.17	7.97
Total Debt	0.85	1.18	1.87	3.56	4.25	5.23
Net Cash (Debt)	2.78	3.8	-0.28	0.21	-1.08	2.74
Net Cash Growth	36.91%	-	-	-	-	-
Net Cash Per Share	0.03	0.04	-0.00	0.00	-0.01	0.03

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '25 Nov 30, 2025	May '25 May 31, 2025	May '24 May 31, 2024	May '23 May 31, 2023	May '22 May 31, 2022	May '21 May 31, 2021
Operating Cash Flow	1.65	5.11	-0.17	2.43	-3.62	5.66
Capital Expenditures	-0.44	-0.54	-0.25	-0.13	-0.15	-0.31
Free Cash Flow	1.21	4.57	-0.42	2.3	-3.77	5.34
Free Cash Flow Growth	-65.41%	-	-	-	-	83.45%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '25 Nov 30, 2025	May '25 May 31, 2025	May '24 May 31, 2024	May '23 May 31, 2023	May '22 May 31, 2022	May '21 May 31, 2021
Operating Margin	21.38%	21.04%	17.92%	15.47%	13.81%	11.62%
Pretax Margin	21.68%	21.19%	17.88%	15.21%	6.33%	9.69%
Profit Margin	16.08%	15.82%	13.39%	12.85%	4.14%	8.11%
FCF Margin	3.20%	12.32%	-1.26%	8.59%	-16.94%	24.39%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 17, 2026	May '25 May 31, 2025	May '24 May 31, 2024	May '23 May 31, 2023	May '22 May 31, 2022	May '21 May 31, 2021
PE Ratio	8.00	9.03	8.61	7.52	20.88	15.40
Forward PE	6.82	8.67	8.35	7.50	6.42	2.89
P/FCF Ratio	39.84	11.59	-	11.25	-	5.12
PS Ratio	1.27	1.43	1.15	0.97	0.87	1.25