Time Finance plc (AIM:TIME)

Time Finance Statistics

Total Valuation

Time Finance has a market cap or net worth of GBP 47.67 million.

Market Cap	47.67M
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Tuesday, January 27, 2026.

Earnings Date	Jan 27, 2026
Ex-Dividend Date	n/a

Share Statistics

Time Finance has 91.68 million shares outstanding.

Current Share Class	91.68M
Shares Outstanding	91.68M
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Insiders (%)	14.50%
Owned by Institutions (%)	56.62%
Float	58.38M

Valuation Ratios

The trailing PE ratio is 8.21 and the forward PE ratio is 7.43.

PE Ratio	8.21
Forward PE	7.43
PS Ratio	1.29
PB Ratio	0.66
P/TBV Ratio	1.08
P/FCF Ratio	10.44
P/OCF Ratio	9.33
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

The company has a current ratio of 2.35, with a Debt / Equity ratio of 0.02.

Current Ratio	2.35
Quick Ratio	2.28
Debt / Equity	0.02
Debt / EBITDA	n/a
Debt / FCF	0.26
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 8.50%.

Return on Equity (ROE)	8.50%
Return on Assets (ROA)	2.66%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	242,268
Profits Per Employee	38,314
Employee Count	153
Asset Turnover	0.17
Inventory Turnover	n/a

Taxes

In the past 12 months, Time Finance has paid 1.99 million in taxes.

Income Tax	1.99M
Effective Tax Rate	25.38%

Stock Price Statistics

The stock price has decreased by -11.11% in the last 52 weeks. The beta is 0.97, so Time Finance's price volatility has been similar to the market average.

Beta (5Y)	0.97
52-Week Price Change	-11.11%
50-Day Moving Average	50.10
200-Day Moving Average	54.23
Relative Strength Index (RSI)	58.78
Average Volume (20 Days)	168,061

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, Time Finance had revenue of GBP 37.07 million and earned 5.86 million in profits. Earnings per share was 0.06.

Revenue	37.07M
Gross Profit	21.63M
Operating Income	7.80M
Pretax Income	7.86M
Net Income	5.86M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	0.06

Balance Sheet

The company has 4.97 million in cash and 1.18 million in debt, giving a net cash position of 3.80 million or 0.04 per share.

Cash & Cash Equivalents	4.97M
Total Debt	1.18M
Net Cash	3.80M
Net Cash Per Share	0.04
Equity (Book Value)	71.77M
Book Value Per Share	0.78
Working Capital	115.25M

Cash Flow

In the last 12 months, operating cash flow was 5.11 million and capital expenditures -543,000, giving a free cash flow of 4.57 million.

Operating Cash Flow	5.11M
Capital Expenditures	-543,000
Free Cash Flow	4.57M
FCF Per Share	0.05

Margins

Gross margin is 58.34%, with operating and profit margins of 21.04% and 15.81%.

Gross Margin	58.34%
Operating Margin	21.04%
Pretax Margin	21.19%
Profit Margin	15.81%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	12.32%

Dividends & Yields

Time Finance does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	n/a
Shareholder Yield	n/a
Earnings Yield	12.30%
FCF Yield	9.58%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on August 19, 2013. It was a reverse split with a ratio of 0.006818.

Last Split Date	Aug 19, 2013
Split Type	Reverse
Split Ratio	0.006818

Scores

Altman Z-Score	n/a
Piotroski F-Score	4