Time Finance plc (AIM:TIME)

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

49.61

-0.09 (-0.18%)

Jul 28, 2026, 8:23 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	22.57	22.02	19.33	16.17	14.99	14.87
Revenue Growth	8.31%	13.92%	19.50%	7.86%	0.86%	-6.71%
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	15.06%	32.08%	28.69%	273.00%	-45.95%	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 & Equivalents	3.64	4.97	1.59	3.77	3.17	7.97
Total Debt	0.46	0.6	0.66	1.75	2.34	3.41
Net Cash (Debt)	-0.46	-0.6	-0.66	-1.75	-2.34	-3.41
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-0.01	-0.01	-0.01	-0.02	-0.03	-0.04

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
Pretax Margin	36.28%	35.68%	30.71%	25.77%	7.04%	13.59%
Profit Margin	26.90%	26.62%	22.99%	21.31%	6.14%	11.95%
FCF Margin	5.35%	20.74%	-2.17%	14.25%	-25.15%	35.95%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 28, 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	7.57	9.07	8.70	7.64	21.20	16.35
Forward PE	6.45	8.67	8.35	7.50	6.42	2.89
P/FCF Ratio	37.72	11.55	-	11.44	-	5.07
PS Ratio	1.21	2.39	1.98	1.63	1.31	1.82