Time Finance plc (FRA:B5D1)

Time Finance Statistics

Total Valuation

Time Finance has a market cap or net worth of EUR 50.58 million.

Market Cap	50.58M
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

Current Share Class	91.68M
Shares Outstanding	n/a
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 7.27 and the forward PE ratio is 6.95.

PE Ratio	7.27
Forward PE	6.95
PS Ratio	1.15
PB Ratio	0.59
P/TBV Ratio	0.97
P/FCF Ratio	9.33
P/OCF Ratio	8.34
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	287,719
Profits Per Employee	45,502
Employee Count	153
Asset Turnover	0.17
Inventory Turnover	n/a

Taxes

In the past 12 months, Time Finance has paid 2.37 million in taxes.

Income Tax	2.37M
Effective Tax Rate	25.38%

Stock Price Statistics

The stock price has decreased by -22.79% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	-22.79%
50-Day Moving Average	0.56
200-Day Moving Average	0.61
Relative Strength Index (RSI)	45.49
Average Volume (20 Days)	n/a

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 EUR 44.02 million and earned 6.96 million in profits. Earnings per share was 0.08.

Revenue	44.02M
Gross Profit	25.68M
Operating Income	9.26M
Pretax Income	9.33M
Net Income	6.96M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	0.08

Balance Sheet

The company has 5.90 million in cash and 1.40 million in debt, giving a net cash position of 4.51 million.

Cash & Cash Equivalents	5.90M
Total Debt	1.40M
Net Cash	4.51M
Net Cash Per Share	n/a
Equity (Book Value)	85.23M
Book Value Per Share	0.93
Working Capital	136.88M

Cash Flow

In the last 12 months, operating cash flow was 6.07 million and capital expenditures -644,871, giving a free cash flow of 5.42 million.

Operating Cash Flow	6.07M
Capital Expenditures	-644,871
Free Cash Flow	5.42M
FCF Per Share	n/a

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	13.76%
FCF Yield	10.72%

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

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

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