Time Finance plc (FRA:B5D1)

Time Finance Statistics

Total Valuation

Time Finance has a market cap or net worth of EUR 55.58 million.

Market Cap	55.58M
Enterprise Value	n/a

Important Dates

The last earnings date was 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 8.02 and the forward PE ratio is 7.52.

PE Ratio	8.02
Forward PE	7.52
PS Ratio	1.29
PB Ratio	0.65
P/TBV Ratio	1.03
P/FCF Ratio	40.30
P/OCF Ratio	29.49
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 2.47, with a Debt / Equity ratio of 0.01.

Current Ratio	2.47
Quick Ratio	2.47
Debt / Equity	0.01
Debt / EBITDA	n/a
Debt / FCF	0.71
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 8.44% and return on invested capital (ROIC) is 7.90%.

Return on Equity (ROE)	8.44%
Return on Assets (ROA)	2.61%
Return on Invested Capital (ROIC)	7.90%
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	n/a
Revenue Per Employee	281,733
Profits Per Employee	45,305
Employee Count	153
Asset Turnover	0.16
Inventory Turnover	n/a

Taxes

In the past 12 months, Time Finance has paid 2.42 million in taxes.

Income Tax	2.42M
Effective Tax Rate	25.84%

Stock Price Statistics

The stock price has decreased by -19.58% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	-19.58%
50-Day Moving Average	0.56
200-Day Moving Average	0.61
Relative Strength Index (RSI)	53.56
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 43.11 million and earned 6.93 million in profits. Earnings per share was 0.07.

Revenue	43.11M
Gross Profit	25.27M
Operating Income	9.22M
Pretax Income	9.35M
Net Income	6.93M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	0.07

Balance Sheet

The company has 4.15 million in cash and 973,773 in debt, with a net cash position of 3.18 million.

Cash & Cash Equivalents	4.15M
Total Debt	973,773
Net Cash	3.18M
Net Cash Per Share	n/a
Equity (Book Value)	85.56M
Book Value Per Share	0.92
Working Capital	146.04M

Cash Flow

In the last 12 months, operating cash flow was 1.88 million and capital expenditures -505,723, giving a free cash flow of 1.38 million.

Operating Cash Flow	1.88M
Capital Expenditures	-505,723
Free Cash Flow	1.38M
FCF Per Share	n/a

Margins

Gross margin is 58.62%, with operating and profit margins of 21.38% and 16.08%.

Gross Margin	58.62%
Operating Margin	21.38%
Pretax Margin	21.68%
Profit Margin	16.08%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	3.20%

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	12.47%
FCF Yield	2.48%

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