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    Financial - Credit Services
Time Finance plc

Time Finance plc

TIME.L
Time Finance plcGB flagLondon Stock Exchange
51.00
GBp
+1.00
- -
46.76MMarket Cap
Time Finance plc
TIME.L
(London Stock Exchange)

Recent

price

51.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
FRC
0.1
0.09
0.1
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
Revenue per Share
-0.03
0.01
0.02
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
Basic EPS, GAAP
-0.04
-0.01
- -
-0.04
-0.04
-0.11
0.04
0.12
-0.01
0.02
0.03
0.06
-0.04
0.02
- -
0.05
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
0.01
0.01
- -
- -
- -
- -
- -
Dividend per Share
0.13
0.09
0.11
0.13
0.16
0.19
0.22
0.26
0.27
0.33
0.34
0.36
0.36
0.4
0.44
0.51
Book Value per Share
0.25
0.16
0.17
0.2
0.24
0.36
0.28
0.25
0.23
0.29
0.3
0.32
0.33
0.37
0.42
0.48
Tangible Book Value per Share
13
22
23
23
30
34
49
54
85
87
89
89
93
93
93
93
Basic Weighted Avg Shares
1
2
2
3
4
6
13
17
30
32
29
24
23
27
33
37
Sales/Revenue/Turnover
-27.7
12.01
19.86
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
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
1
1
1
1
1
1
- -
- -
1
Depreciation Expense
- -
- -
- -
1
1
1
3
3
6
6
2
2
1
3
4
6
Net Income, GAAP
- -
23.76
20.09
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
Effective Tax Rate (%)
-25.38
8.08
15.08
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
Profit Margin (%)
5
6
7
8
11
3
1
-4
4
3
7
20
20
28
30
36
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
2
- -
- -
3
2
2
1
1
LT Debt
3
4
4
5
7
12
24
29
48
54
55
57
58
62
66
72
Total Equity
- -
4.73
9.3
12.49
15.35
11.92
16.31
12.34
14.91
11.72
3.91
4.17
5.17
5.85
7.1
8.72
Return on Invested Capital (%)
- -
8.23
15.45
18.76
22.24
19.9
29.73
24.1
30.71
21.91
5.18
5.66
3.07
9.19
11
13.5
Return on Capital (%)
-25.28
8.34
16
22.39
27.2
22.3
32.94
26.32
34.41
24.61
5.29
5.69
2.81
9.86
11.43
13.31
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
No data availableFinancial data will appear here once available

Working Capital

FRC

•

in mil. unless spec.
No data availableFinancial data will appear here once available

Growth Rates

FRC

•

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
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
33
2025
- -
- -
- -
- -
37
2026
- -
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.05
2025
- -
- -
- -
- -
0.06
2026
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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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.