1. United Kingdom Stocks

  2. •

    Commercial services

  3. •

    Miscellaneous commercial services
Time Finance plc

Time Finance plc

LLSE:TIME
58.90
GBX
0.00
(0.00%)
4.45BMarket Cap
Jan 20Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
0.13
0.14
0.16
0.26
0.31
0.35
0.37
0.33
0.27
0.24
0.29
0.36
0.4
- -
Basic EPS, GAAP
0.03
0.04
0.04
0.06
0.06
0.08
0.07
0.02
0.02
0.01
0.04
0.05
0.06
- -
Free Cash Flow per Basic Share
-0.04
-0.04
-0.11
0.04
0.12
-0.01
0.02
0.03
0.06
-0.04
0.02
- -
0.05
- -
Dividend per Share
- -
- -
- -
- -
- -
- -
0.01
0.01
- -
- -
- -
- -
- -
- -
Book Value per Share
0.2
0.23
0.33
0.45
0.52
0.55
0.61
0.62
0.62
0.63
0.67
0.72
0.78
0.82
Tangible Book Value per Share
0.2
0.23
0.33
0.26
0.25
0.22
0.29
0.3
0.31
0.33
0.37
0.42
0.48
0.52
Basic Weighted Avg Shares
23
30
34
49
54
85
87
89
89
93
93
93
93
92
Sales/Revenue/Turnover
3
4
6
13
17
30
32
29
24
23
27
33
37
- -
Operating Margin (%)
25.5
32.59
29.58
30.16
25.87
25.7
25.93
10.04
11.28
14.87
15.94
18.01
21.15
- -
Depreciation Expense
- -
- -
- -
- -
1
1
1
1
1
1
- -
- -
1
- -
Net Income, GAAP
1
1
1
3
3
6
6
2
2
1
3
4
6
- -
Effective Tax Rate (%)
22.21
22.08
21.54
14.35
19.46
18.45
19.35
23.02
12.03
9.52
17.65
25.12
25.38
- -
Profit Margin (%)
19.41
24.91
22.97
22.83
19.39
21.33
19.97
5.35
7.47
4.09
12.78
13.37
15.79
- -
Working Capital
8
11
3
1
-4
4
3
7
20
20
28
30
36
41
LT Debt
- -
- -
- -
- -
- -
2
- -
- -
3
2
2
1
1
- -
Total Equity
5
7
12
24
29
48
54
55
57
58
62
66
72
75
Return on Invested Capital (%)
12.49
15.35
11.92
14.73
11.6
15.4
11.4
2.94
3.52
2.56
5.76
7.1
8.72
- -
Return on Capital (%)
12.69
15.88
12.31
15.19
12.14
16.05
11.93
2.93
3.32
1.85
5.6
6.87
8.73
- -
Return on Common Equity (%)
14.15
18.13
13.12
15.81
12.54
16.81
12.52
2.85
3.16
1.6
5.76
6.95
8.5
- -

Capital Structure

GBP

•

in mil. unless spec.
Nov'25
May'25
Nov'26
ST Debt
1
1
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
1
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
92
92
92
Market Capitalization
53
53
44

Working Capital

GBP

•

in mil. unless spec.
Nov'25
May'25
Nov'26
Total Current Assets
114
121
128
Cash, Cash Equivalents & STI
3
5
4
Accounts Receivable, Net
111
108
124
Inventories
- -
- -
- -
Total Current Liabilities
81
85
87
Payables & Accruals
- -
- -
- -
ST Debt
1
1
- -
Deferred Revenue
- -
- -
- -

Growth Rates

GBP

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
22.23%
5.41%
8.52%
Free Cash Flow
-175.16%
-310.71%
-1,187.14%
Net Income, GAAP
45.99%
60.24%
31.91%
Sales/Revenue/Turnover
26.75%
6.24%
11.71%
Total Cash Common Dividend
- -
- -
- -

Semi-annual Revenue

GBP

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
33
2025
- -
- -
37
2026
- -
- -
- -

Semi-annual Earnings Per Share

GBP

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
0.05
2025
- -
- -
0.06
2026
- -
- -
- -

Semi-annual Dividends Per Share

GBP

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
- -
2025
- -
- -
- -
2026
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Edward John Rimmer
Full Time Employees
153
Sector
Commercial services
Industry
Miscellaneous commercial services
Address
St James House, The Square Bath SW United Kingdom BA2 3BH
IPO Date
Aug 2, 2006
Website
timefinance.com
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Business
Time Finance plc (LSE: TIME) is a United Kingdom-based independent specialist finance provider offering a multi-product range of funding solutions to small and medium-sized enterprises (SMEs). The company provides asset finance for equipment investment and refinancing including hire purchase, lease purchase, and finance leases for sectors such as construction, manufacturing, engineering, agriculture, transportation, and hospitality; invoice finance and confidential invoice discounting to release cash from unpaid invoices; vehicle finance for commercial vehicles; secured and unsecured business loans; asset-based lending (ABL) encompassing plant, machinery, stock, and property; and multi-product facilities combining these offerings. Incorporated on 14 June 2006 and headquartered at St James House, The Square, Lower Bristol Road, Bath, BA2 3BH, England, Time Finance operates primarily in the United Kingdom through direct channels and finance brokers, with offices in Warrington, Manchester, and Reading. The company pursues growth through its own-book lending strategy, achieving a record lending portfolio of £230m as of 31 October 2025, up 6% from May 2025 and 12% year-on-year, with invoice finance exceeding £75m and hard asset finance over £123m. Recent developments include renewing and expanding its back-to-back invoice finance facility with NatWest to £65m; increasing British Business Bank ENABLE funding to £29.4m; launching a virtual asset inspection platform with verifi; raising invoice finance and ABL facility limits to £5m; opening a new Reading office; introducing ABL solutions; and appointing key personnel such as Bethan Holliday as Head of Operations in Asset Finance and multiple business development managers to expand regional presence.