Time Finance plc (FRA:B5D1)

Time Finance Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov 30, 2025	May 31, 2025	May 31, 2024	May 31, 2023	May 31, 2022	May 31, 2021
Interest and Dividend Income	37.8	37.09	33.18	26.97	22.49	22.16
Total Interest Expense	0.07	0.05	0.04	0.15	0.26	0.25
Net Interest Income	37.73	37.04	33.15	26.82	22.23	21.91
Other Revenue	0.03	0.03	0.05	-	-	-
Revenue Before Loan Losses	37.76	37.07	33.2	26.82	22.23	21.91
Revenue	37.76	37.07	33.2	26.82	22.23	21.91
Revenue Growth (YoY)	6.51%	11.66%	23.79%	20.61%	1.47%	-24.13%
Cost of Services Provided	29.66	29.25	27.19	22.54	19.12	19.09
Total Operating Expenses	29.69	29.27	27.25	22.67	19.16	19.37
Operating Income	8.07	7.8	5.95	4.15	3.07	2.55
EBT Excluding Unusual Items	8.19	7.86	5.94	4.15	3.07	2.55
Other Unusual Items	-	-	-	-0.07	-1.66	-0.43
Pretax Income	8.19	7.86	5.94	4.08	1.41	2.12
Income Tax Expense	2.12	1.99	1.49	0.72	0.13	0.25
Earnings From Continuing Ops.	6.07	5.86	4.44	3.36	1.27	1.88
Earnings From Discontinued Ops.	-	-	-	0.09	-0.35	-0.1
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 (YoY)	-	-	-	-	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	14.95%	32.01%	28.86%	274.19%	-46.18%	6.32%
Free Cash Flow	1.21	4.57	-0.42	2.3	-3.77	5.34
Free Cash Flow Per Share	0.01	0.05	-0.01	0.03	-0.04	0.06
Operating Margin	21.38%	21.04%	17.92%	15.47%	13.81%	11.62%
Profit Margin	16.08%	15.82%	13.39%	12.85%	4.14%	8.11%
Free Cash Flow Margin	3.20%	12.32%	-1.26%	8.59%	-16.94%	24.39%
Effective Tax Rate	25.84%	25.38%	25.12%	17.65%	9.52%	11.54%
Revenue as Reported	37.12	37.12	33.23	26.97	22.51	22.48

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.