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Time Finance Plc(LSE) TIME

Market Cap£46.44MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2006)-86%
5 Year+105%
1 Year-6%
1 Month+2%
£0.52
+3.00%
+0.01Today
Time Finance Plc last closing stock price
MetricPriceDate
Last closeGBX 51.652026-08-03
Time Finance Plc stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+3.92%GBX 49.702026-07-27
1 month+2.28%GBX 50.502026-07-03
3 month+21.53%GBX 42.502026-05-05
Year to date-0.67%GBX 52.002025-12-31
1 year-6.09%GBX 55.002025-08-01
3 year+104.96%GBX 25.202023-08-04
5 year+104.55%GBX 25.252021-08-04
Since inception-86.17%GBX 3.632006-08-02

Time Finance Plc Financials at a Glance

Market Cap

£46.44MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

£73.39M

Net Income (TTM)

£11.36M

EPS (TTM)

£0.07

P/E Ratio

7.58

Dividend

£0.00

Beta (Volatility)

-0.01 (Low)

Price

£0.52

Volume

129,688

Open

£0.50

Previous Close

£0.52

Daily Range

£0.50 - £0.52

52-Week Range

£0.40 - £0.60

Estimated Earnings Date

Sep 23, 2026

TIME News

No articles available.

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About Time Finance Plc

Time Finance plc, based in Bath, UK, provides a diverse range of financial solutions tailored for individuals and businesses across the United Kingdom. The company operates through four main divisions: Asset Finance, Vehicle Finance, Loan Finance, and Invoice Finance, offering a comprehensive suite of services to meet various financial needs.

Products and Services
  • Asset-backed lending and vendor financing solutions
  • Business loan options including unsecured and secured loans
  • Property funding solutions such as bridging facilities and buy-to-let financing
Growth Outlook
  • Revenue increased to £18.82 million in the latest quarter
  • Net income rose to £3.21 million, reflecting strong operational performance
  • TTM gross profit margin stands at 57.5%, indicating effective cost management
Financial Highlights
  • Recent quarterly revenue of £18.82 million, up from £18.87 million
  • Net income for the latest quarter reached £3.21 million, showcasing profitability
  • Current ratio of 327.47 indicates strong liquidity position
Time Finance plc has demonstrated resilience and adaptability in the financial services sector. The company's diverse product offerings cater to a wide range of customer needs, from asset finance to property funding. Recent financial performance highlights a solid revenue stream and profitability, with a notable increase in net income. The strong current ratio suggests that the company is well-positioned to meet its short-term obligations, enhancing its appeal to potential investors. With a focus on growth and a commitment to delivering value, Time Finance plc presents an interesting opportunity in the financial services industry.
AI Generated • Jul 26, 2026

Industry

Diversified Financial Services

Sector

Financials

Employees

153

CEO

Edward John Rimmer

Website

www.1pm.co.uk

Headquarters

Bath, SW BA2 3BH, GB

TIME Financials

Key Financial Metrics (TTM)

Gross Margin

57.52%

Operating Margin

21.23%

Net Income Margin

16.11%

Return on Equity

8.28%

Return on Capital

10.76%

Return on Assets

2.48%

Earnings Yield

13.19%

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

£46.44MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

92.51M

Volume

129.69K

Avg. Volume

174.00K

Financials (TTM)

Gross Profit

£41.93M

Operating Income

£15.39M

EBITDA

£16.47M

Operating Cash Flow

£5.94M

Capital Expenditure

-£904.00K

Free Cash Flow

£5.04M

Cash & ST Invst.

£3.64M

Total Debt

£1.32M

Time Finance Plc Performance Analysis

Time Finance Plc annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-05-31GBP 22,488,000N/A
20232023-05-31GBP 26,968,00019.9%
20242024-05-31GBP 33,230,00023.2%
20252025-05-31GBP 37,120,00011.7%
Time Finance Plc sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q42024-05-3111.7%
Q22024-11-304.6%
Q42025-05-313.4%
Q22025-11-30-0.3%
Time Finance Plc annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-05-31GBP 0.01N/A
20232023-05-31GBP 0.04279.0%
20242024-05-31GBP 0.0528.2%
20252025-05-31GBP 0.0631.5%
Time Finance Plc sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q42024-05-316.0%
Q22024-11-3032.8%
Q42025-05-31-4.9%
Q22025-11-3012.2%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2025YOY CHG

Revenue

£18.82M

+20.4%

Gross Profit

£10.39M

+18.2%

Gross Margin

55.23%

N/A

Market Cap

£46.44MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

£303.54K

N/A

Employees

153

N/A

Net Income

£3.21M

+48.9%

EBITDA

£4.66M

+56.0%

Quarterly Fundamentals

Name
Q2 2025YOY CHG

Total Cash

£3.64M

+238.1%

Total Debt

£1.32M

-42.7%

Accounts Receivable

£211.28M

+30.6%

Inventory

£0.00

N/A

Long Term Debt

£926.00K

+14.5%

Short Term Debt

£390.00K

-80.0%

Return on Assets

2.48%

N/A

Return on Invested Capital

3.27%

N/A

Free Cash Flow

-£906.00K

+37.9%

Operating Cash Flow

-£694.00K

+48.9%

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Questions About TIME

What is the current price of Time Finance Plc?

Time Finance Plc is trading at £0.52 per share.

What is the 52-week range for Time Finance Plc?

Over the past 52 weeks, Time Finance Plc has traded between £0.40 and £0.60.

How much debt does Time Finance Plc have?

As of the most recent reporting period, Time Finance Plc reported total debt of £1.18M.

How much cash does Time Finance Plc have on hand?

Time Finance Plc reported £4.97M in cash and cash equivalents in its most recent financial results.

What is Time Finance Plc’s dividend yield?

Time Finance Plc does not currently have a dividend yield.

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