Explore 3 Stock Ideas & Industry Insights Download Free Report

18889881171
Shopping Cart 0
countryflagUS
Login

Time Finance PLC

Financial Services GB TIME

45.422GBX
-0.328(0.72%)

Last update at 2026-06-05T15:04:00Z

Day Range

45.0046.50
LowHigh

52 Week Range

40.1166.00
LowHigh

Fundamentals

  • Previous Close 45.75
  • Market Cap40.60M
  • Volume96027
  • P/E Ratio6.33
  • Dividend Yield-%
  • Revenue TTM37.76M
  • Revenue Per Share TTM0.41
  • Gross Profit TTM 22.14M
  • Diluted EPS TTM0.07

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-05-31 2024-05-31 2023-05-31 2022-05-31 2021-05-31
Type yearly yearly yearly yearly yearly
Date 2025-05-31 2024-05-31 2023-05-31 2022-05-31 2021-05-31
Income before tax 7.86M 5.93M 4.08M 1.05M 2.02M
Minority interest - - - - -
Net income 5.86M 4.44M 3.45M 0.92M 1.78M
Selling general administrative 13.80M 13.19M 11.37M 11.77M 11.47M
Selling and marketing expenses - 0.06M - - -
Gross profit 21.68M 33.05M 15.80M 14.96M 14.44M
Reconciled depreciation 0.53M 0.43M 0.42M 0.61M 0.75M
Ebit 8.24M 5.98M 4.30M 3.15M 2.69M
Ebitda 8.77M 6.42M 4.72M 3.72M 3.44M
Depreciation and amortization 0.53M 0.43M 0.42M 0.57M 0.75M
Non operating income net other - - - - -
Operating income 7.85M 5.98M 4.23M 1.31M 2.27M
Other operating expenses 29.27M 27.25M 22.67M 20.46M 21.11M
Interest expense 0.39M 0.18M 0.15M 0.26M 0.25M
Tax provision 1.99M 1.49M 0.72M 0.13M 0.24M
Interest income 0.39M 0.13M 0.00100M 0.00100M 0.00300M
Net interest income 0.00500M -0.04900M -0.15100M -0.25400M -0.24700M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 1.99M 1.49M 0.72M 0.13M 0.24M
Total revenue 37.12M 33.23M 26.97M 23.61M 23.80M
Total operating expenses 13.83M 27.07M 11.50M 11.81M 11.75M
Cost of revenue 15.44M 13.86M 11.17M 8.65M 9.36M
Total other income expense net 0.00500M -0.04900M 4.08M 1.41M 2.12M
Discontinued operations - - 0.09M -0.35300M -0.10200M
Net income from continuing ops 5.86M 4.44M 3.36M 0.92M 1.78M
Net income applicable to common shares - - 3.45M 0.92M 1.78M
Preferred stock and other adjustments - - - - -
Breakdown 2025-05-31 2024-05-31 2023-05-31 2022-05-31 2021-05-31
Type yearly yearly yearly yearly yearly
Date 2025-05-31 2024-05-31 2023-05-31 2022-05-31 2021-05-31
Total assets 230.34M 209.74M 183.69M 153.31M 137.79M
Intangible assets 0.37M 0.23M 0.23M 0.30M 0.48M
Earning assets - - - - -
Other current assets 0.13M 108.39M 70.85M 70.85M 55.19M
Total liab 158.57M 143.60M 122.02M 95.26M 80.67M
Total stockholder equity 71.77M 66.14M 61.67M 58.05M 57.12M
Deferred long term liab - - - - -
Other current liab 10.86M 10.19M 0.42M 0.03M 2.71M
Common stock 9.25M 9.25M 9.25M 9.25M 9.25M
Capital stock 9.25M 9.25M 9.25M 9.25M 9.25M
Retained earnings 37.73M 31.86M 27.42M 23.97M 23.05M
Other liab - - 52.82M 39.03M 33.75M
Good will 27.26M 27.26M 27.26M 27.26M 28.24M
Other assets - 108.39M 1.24M 1.04M 0.81M
Cash 4.97M 1.59M 3.77M 3.17M 7.97M
Cash and equivalents - - - - -
Total current liabilities 85.06M 79.97M 67.45M 53.88M 43.51M
Current deferred revenue - - - - -2.70900M
Net debt -3.79500M 0.28M -0.20900M 1.07M -2.74100M
Short term debt 0.57M 1.21M 1.82M 1.90M 1.81M
Short long term debt 0.29M 1.02M 1.62M 1.88M 1.63M
Short long term debt total 1.18M 1.87M 3.56M 4.24M 5.23M
Other stockholder equity 24.48M 24.73M -36.67100M -33.22400M -32.30300M
Property plant equipment - - 0.81M 0.35M 0.78M
Total current assets 121.49M 109.98M 95.62M 74.02M 63.16M
Long term investments - - - - -
Net tangible assets - - 34.18M 30.49M 28.40M
Short term investments - - - - -
Net receivables 116.39M 108.39M 91.85M 121.20M 97.04M
Long term debt 0.00000M 0.29M 1.32M 2.34M 3.37M
Inventory - - - - -
Accounts payable 72.33M 67.67M 65.21M 51.96M 41.69M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income 0.32M 0.29M - - -
Additional paid in capital - - - - -
Common stock total equity - - - - -
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - - - -0.79000M
Accumulated amortization - - - - -
Non currrent assets other 77.93M 70.02M -28.30500M -27.91100M -29.49200M
Deferred long term asset charges - - - - -
Non current assets total 108.85M 99.76M 88.07M 79.29M 74.63M
Capital lease obligations 0.88M 0.55M 0.62M 0.02M 0.23M
Long term debt total - - - - -
Breakdown 2025-05-31 2024-05-31 2023-05-31 2022-05-31 2021-05-31
Type yearly yearly yearly yearly yearly
Date 2025-05-31 2024-05-31 2023-05-31 2022-05-31 2021-05-31
Investments -0.20500M -0.15400M -0.12800M -0.15300M -0.50800M
Change to liabilities - - 27.06M 15.55M -4.24800M
Total cashflows from investing activities -0.20500M -0.15400M -0.12800M -0.15300M -0.50800M
Net borrowings -1.27500M -1.62500M -1.44900M -0.97900M 2.38M
Total cash from financing activities -1.52400M -1.85800M -1.44900M -0.97900M 2.38M
Change to operating activities - - -29.20100M -21.78800M 6.79M
Net income 7.86M 4.44M 4.08M 1.40M 2.02M
Change in cash 3.38M -2.18200M 0.86M -4.74900M 7.53M
Begin period cash flow 1.59M 3.77M 2.92M 7.67M 0.13M
End period cash flow 4.97M 1.59M 3.77M 2.92M 7.67M
Total cash from operating activities 5.11M -0.17000M 2.43M -3.61700M 5.66M
Issuance of capital stock - - - - -
Depreciation 0.53M 0.43M 0.42M 0.57M 0.75M
Other cashflows from investing activities 0.34M 0.10M 0.00100M 0.00100M 0.00300M
Dividends paid - - - - 0.50M
Change to inventory - - - 0.00000M 0.00000M
Change to account receivables -16.81300M -28.02700M - -22.14700M 6.72M
Sale purchase of stock - - - - -
Other cashflows from financing activities -0.24900M -0.23300M -0.42400M -0.24800M 3.02M
Change to netincome - - 0.71M 1.09M 0.59M
Capital expenditures 0.54M 0.25M 0.13M 0.15M 0.31M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital -0.84100M -4.78000M -2.14500M -6.51500M 2.54M
Stock based compensation - 0.06M 0.12M 0.04M 0.28M
Other non cash items -2.43400M -0.26800M 1.09M 1.52M 0.91M
Free cash flow 4.57M -0.42000M 2.30M -3.76600M 5.34M

Peer Comparison

Sector: Financial Services Industry: Credit Services

Company Change (GBX) Price (GBX) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x) Enterprise Value to EBITDA (x)
TIME
Time Finance PLC		 -0.328 0.72% 45.42 6.33 5.46 1.08 0.51 0.94 3.90
IPF
International Personal Finance PLC		 - -% 248.00 10.25 9.48 0.73 0.99 1.77
FCH
Funding Circle Holdings PLC		 -2.4 1.71% 137.60 10.00 14.04 1.97 1.67 2.25 15.97
47IE
S&U plc		 - -% 0.65 - - 5.12 -
SUS
S&U plc		 -10.0 0.52% 1915.00 11.83 9.30 3.52 1.02 4.66 9.84

Reports Covered

Stock Research & News

View All

Profile

Time Finance plc, together with its subsidiaries, provides financial products and services to consumers and businesses in the United Kingdom. The company operates through Asset Finance and Invoice Finance segments. It also offers finance solution, such as loans, vehicle finance, and multi-product solutions. The company was formerly known as 1pm plc and changed its name to Time Finance plc in December 2020. Time Finance plc was incorporated in 2006 and is headquartered in Bath, the United Kingdom.

Time Finance PLC

St James House, The Square, Bath, United Kingdom, BA2 3BH

Key Executives

Name Title Year Born
Mr. Edward J. Rimmer CEO & Exec. Director 1973
Mr. James Matthew Arthur Roberts CFO, Company Sec. & Exec. Director 1978
Mr. David Jones Director of IT NA
Mr. Phil Chesham Managing Director of Invoice Fin. NA
Mr. Alun Winter Head of Loans NA
Andy Hume Head of Sales for North NA
Ms. Lorraine Neyland Director of Risk NA
Mr. Edward J. Rimmer CEO & Executive Director 1972
Mr. James Matthew Arthur Roberts CFO, Company Secretary & Executive Director 1978
Ms. Sharon Bryden Group Head of Operations NA

Disclaimer - This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.