Time Finance Income Statement

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

Millions GBP. Fiscal year is Jun - May.

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
Net Interest Income	22.04	21.65	19.18	16.17	14.96	14.44
Net Interest Income Growth	5.74%	12.89%	18.61%	8.07%	3.64%	-8.30%
Non-Interest Income	0.53	0.36	0.15	0	0.03	0.43
Non-Interest Income Growth	-	149.31%	14500.00%	-96.67%	-92.99%	124.08%
Revenues Before Loan Losses	22.57	22.02	19.33	16.17	14.99	14.87
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%
Compensation Expenses	-0.03	-0.02	-0.06	-0.13	-0.04	-0.28
Selling, General & Admin	-14.03	-13.81	-13.19	-11.65	-11.77	-11.48
Other Non-Interest Expenses	-0.35	-0.33	-0.15	-0.23	-2.12	-1.09
Total Non-Interest Expense	-14.41	-14.16	-13.39	-12.01	-13.94	-12.85
Pretax Income	8.19	7.86	5.94	4.17	1.06	2.02
Provision for Income Taxes	2.12	1.99	1.49	0.72	0.13	0.24
Net Income	6.07	5.86	4.44	3.45	0.92	1.78
Net Income to Common	6.07	5.86	4.44	3.45	0.92	1.78
Net Income Growth	14.83%	31.91%	28.92%	274.27%	-48.17%	14.28%
Shares Outstanding (Basic)	93	93	93	93	93	89
Shares Outstanding (Diluted)	93	93	93	93	93	92
Shares Change	-	-	-	-	0.90%	2.62%
EPS (Basic)	0.07	0.06	0.05	0.04	0.01	0.02
EPS (Diluted)	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%

Additional Metrics

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
Free Cash Flow	1.21	4.57	-0.42	2.3	-3.77	5.34
Free Cash Flow Growth	-65.41%	-	-	-	-	83.45%
Free Cash Flow Per Share	0.01	0.05	-0.00	0.02	-0.04	0.06
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%
Effective Tax Rate	25.84%	25.38%	25.12%	17.28%	12.70%	12.03%