Time Finance PLC (TIME) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Time Finance PLC stock £0.94, price £0.58, upside +61.5%, quality 58 out of 100. Rating: strongly undervalued. Calculated from audited financials with 11 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 9, 2026.
How to read this chart
60‑month range £0.1525 – £0.6500 · fair‑value band £0.6100 – £1.50 · the £0.5820 price screens below the £0.9400 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 9, 2026.
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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.
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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.
Stock analysis
Time Finance PLC (TIME) currently trades at £0.5820, while our model-based Fair Value estimate is £0.9400, implying the stock looks roughly 38% undervalued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of £2.19 per share, and 10 of the 11 models we run sit above the £0.5820 price.
Bear case: the Asset-Based group reads lowest at £0.3200, and 1 of the 11 models stay below the price. Data coverage for this calculation is low.
Scenario range: £0.6100 (bear) to £1.50 (bull), the price of £0.5820 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 58/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Time Finance PLC reported revenue of £37.1M in FY2025 versus £22.2M in FY2021, a compound +13.8%/yr. Reported net income was £5.9M in FY2025, compounding +34.8%/yr from FY2021.
Key figures
Market cap £53.8M Micro · P/E ratio 8.3 · P/S ratio 1.43 · EPS (TTM) £0.0700 · Net margin 16.1% · Return on equity 8.4% · Return on assets (EBIT) 2.3% (5-year average) · Operating margin 22.0%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 56 out of 100 (low confidence).
What moves the price
The share trades about 1% below its 52-week high and 41% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −3% fair-value upside, at 62%, TIME screens cheaper than that median.
Fair Value models
Bear£0.6100Fair Value £0.9400Bull£1.50
Price £0.5820 · Upside +61.5%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 12 months old). Earnings retained since then (£0.0700 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.74/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+11.7%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+18.2%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+5.0%
Start year 2020 (pandemic). Over 10 years: +21.0% a year
Revenue growth 18 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+23.2%
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What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
≈ +29.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year≈ +29.7%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.base effect: 26.7% / 5.5%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.10% → 21%
2025 sits 67% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
⚠ Base effect: the rate starts in the earnings trough around 2020 (starting value 0.019 per share, median 0.056 in 2015 to 2018). It measures the recovery from the trough, not lasting growth.
Growth Forecast
Price in line with expectations
The price assumes about as much growth as the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+4.6%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (UK: IMF forecast 2.3% a year to 2030, 3.3% from 2016 to 2025) that is about +2.3% a year for the price.
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 283 stocks
Beats the industry median on 6/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score58 · Above median
Fair Value upside+61.5% · Above median
Profitability
Return on equity (12 months)8.4% · Below median
Return on assets2.5% · Below median
Net margin (12 months)16.1% · Below median
Operating margin (12 months)22.0% · Below median
Growth and dividend
Revenue growth (quarter YoY)3.9% · Below median
Valuation Multiplesvs Credit Services median · lower = cheaper
P/E (12 months)8.3× · Cheaper than median
P/B0.75× · Cheaper than median
P/S (12 months)1.43× · Cheapest 25%
Price / free cash flow (fiscal year)11.8× · Pricier than median
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Is Time Finance PLC (TIME) overvalued or undervalued?
As of Nov 9, 2026, our model estimates a fair value of £0.9400 versus a price of £0.5820, about +62% upside (undervalued).
What is the fair value of TIME?
Our model-based fair value for Time Finance PLC is £0.9400 (as of Nov 9, 2026), built from audited fundamentals. The current price: £0.5820.
What is the quality score of TIME?
Time Finance PLC has a Quality Score of 58/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Time Finance PLC (TIME)?
Our model-based price target is the fair value of £0.9400 (as of Nov 9, 2026) from 11 valuation models. Cautious scenario £0.6100, optimistic scenario £1.50. It is a calculation from audited fundamentals, not an analyst target.
What is the Time Finance PLC stock forecast for 2026?
Our models put fair value at £0.9400, about +62% upside versus a price of £0.5820 (undervalued). Cautious scenario £0.6100, optimistic scenario £1.50. The calculation is refreshed regularly with new filings.
What is the revenue of Time Finance PLC (TIME)?
Time Finance PLC reported trailing-twelve-month revenue of about £37.8M (latest available figure, as of Nov 9, 2026).
What growth is priced into Time Finance PLC (TIME)?
For today's price to be fair in a discounted-cash-flow model, Time Finance PLC would have to grow free cash flow by +4.6 % per year for five years (discount rate 12.8 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +5.0 % per year. As of Nov 9, 2026.
What discount rate (WACC) does the fair value of TIME use?
Our models discount Time Finance PLC at 12.8 %: a base by market capitalisation (micro), damped by beta 0.87, country premium for United Kingdom. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Time Finance PLC that is +4.6 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (12.8 %) and the same formula as our fair value.
How much growth has Time Finance PLC (TIME) delivered so far?
Over the past 5 years revenue at Time Finance PLC grew +5.0 % a year. The price currently implies free-cash-flow growth of +4.6 % per year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Time Finance PLC (TIME) growing?
The median revenue growth in the sector is +9.2 % a year. That is the yardstick for the growth priced into Time Finance PLC (+4.6 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Time Finance PLC (TIME)?
The free-cash-flow yield on the price is 8.48 %: that much free cash flow Time Finance PLC produces per unit of market value. When it exceeds the discount rate of our models (12.8 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Time Finance PLC (TIME)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Time Finance PLC it is £0.9400 per share (as of Nov 9, 2026), against a price of £0.5820. It is the blended result of 11 valuation models in 6 families (DCF Models, Earnings-Based, Multiples, Asset-Based, Growth DCF, Economic Profit).
Is Time Finance PLC stock overvalued or undervalued in 2026?
As of Nov 9, 2026, TIME trades below its calculated fair value: price £0.5820, fair value £0.9400, a gap of about +62% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of TIME?
No. The price is what the market pays today (£0.5820); the fair value is what the company's own numbers justify (£0.9400). For Time Finance PLC the two are £0.3580 per share apart. That gap is exactly why we show both numbers side by side.
How much is Time Finance PLC worth?
The market values Time Finance PLC at about £53.8M (market capitalisation, as of Nov 9, 2026). Per share that is £0.5820; our models calculate a fair value of £0.9400 per share.
What do the bullish and bearish scenarios say about TIME?
Our models span a range for Time Finance PLC: cautious scenario £0.6100, base £0.9400, optimistic £1.50 per share (as of Nov 9, 2026, price £0.5820). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of TIME?
Time Finance PLC trades at a price-to-earnings ratio of 8.3 (as of Nov 9, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of £0.9400 is built from several models across several years. Other multiples: P/B 0.8, P/S 1.4, EV/EBITDA 5.6.
How solid is the balance sheet of Time Finance PLC (TIME)?
Balance-sheet figures for Time Finance PLC (as of Nov 9, 2026): return on equity 8.4%. They feed the Quality Score of 58/100, which measures business quality independently of the share price.
How far is TIME from its 52-week high?
Time Finance PLC trades at £0.5820, about 1% below its 52-week high of £0.5890 and 41% above the low of £0.4125 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of £0.9400 is for.
Which stocks are comparable to Time Finance PLC?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Time Finance PLC stock attractive at the current price?
The data as of Nov 9, 2026: price £0.5820, calculated fair value £0.9400 (+62%), Quality Score 58/100, from 11 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of TIME calculated?
We run Time Finance PLC through 11 models from 6 families: DCF Models, Earnings-Based, Multiples, Asset-Based, Growth DCF, Economic Profit. Every model gets the same audited fundamentals; the fair value of £0.9400 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Time Finance PLC currently trades 38% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Time Finance PLC (TIME)?
The closing price on Nov 6, 2026 was £0.5820. Our model-based fair value is £0.9400, about +62% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Time Finance PLC right now?
The price is below even our cautious bear case (£0.6100). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid quality (58/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range (£0.6100 to £1.50) leaves room in how you read the outcome.
Where does the earnings growth of Time Finance PLC (TIME) come from?
Earnings per share at Time Finance PLC grew +1.2 % a year from 2014 to 2025. Broken into its drivers: revenue per share +7.0 %, EBIT margin −5.2 %, tax rate −0.8 %, residual (interest, one-offs) +0.5 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Time Finance PLC
How large is the market capitalisation of Time Finance PLC (TIME)?
The market capitalisation of Time Finance PLC is £53.8M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Time Finance PLC (TIME)?
The price-to-sales ratio of Time Finance PLC is 1.43 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Time Finance PLC (TIME)?
Earnings per share at Time Finance PLC are £0.0700 (price ÷ EPS = P/E 8.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Time Finance PLC (TIME)?
The net margin of Time Finance PLC is 16.1% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Time Finance PLC (TIME)?
The return on equity (ROE) of Time Finance PLC is 8.4% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Time Finance PLC (TIME)?
On an EBIT basis the return on assets of Time Finance PLC is 2.3% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Time Finance PLC (TIME)?
The operating margin of Time Finance PLC is 22.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Time Finance PLC (TIME)?
Revenue at Time Finance PLC is growing +3.9% versus a year earlier (3y avg +18.2%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Time Finance PLC (TIME)?
Earnings per share at Time Finance PLC are growing +7.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Time Finance PLC (TIME) hold?
Time Finance PLC holds more cash than debt, £3.8M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Thin data
Nov 9, 2026