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TIME (TIME) Fair Value & Analysis

Financial Services · Market cap 41.0M GBX

T TIME TIME · LSE
Price£0.4950
Fair Value£0.8300
Upside+67.7%
Quality51/100
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Evidence: High Range £0.6500 – £1.04

Fair value as of: Jun 26, 2026

From 26 valuation models · updated 6 days ago

Fair value updated Jun 26, 2026 — revised from £0.9600 to £0.8300 (−13.5%) since Jun 24, 2026. Share price +9.0% over the past month.

Price vs Fair Value (12 months)

£0.6532 £0.4210 Fair Value £0.8300 Jul 2025 Jul 2026

12‑month range £0.4210 – £0.6532 · fair‑value band £0.6500 – £1.04 · the £0.4950 price screens below the £0.8300 fair value. As of Jun 26, 2026.

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Analysis

TIME (TIME) currently trades at £0.4950, while our model-based Fair Value estimate is £0.8300 — implying the stock looks roughly 67.7% undervalued today. We read business quality at 51/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

Over the trailing twelve months, TIME generated revenue of £37.8M at a net margin of 16.1%. Revenue grew 3.9% year over year. It earns a return on equity of 8.4%. The balance sheet holds a net cash position of £3.8M. Fundamentals as of Jun 26, 2026

Key figures & financial health

Revenue (TTM) 37.8M GBX
Revenue growth (YoY) +3.9%
Net margin 16.1%
Return on equity 8.4%
Free cash flow 4.6M GBX FY2025
P/E ratio 6.4
More key figures
Operating margin 22.0%
EPS (TTM) £0.0700
EPS growth (YoY) +7.1%
Net cash 3.8M GBX FY2025

Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

TIME 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.

Revenue +13.8%/yr
FY21 £22.2M
FY22 £22.5M
FY23 £27.0M
FY24 £33.2M
FY25 £37.1M
Net income +34.8%/yr
FY21 £1.8M
FY22 £921K
FY23 £3.4M
FY24 £4.4M
FY25 £5.9M

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Similar stocks

6 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jun 26, 2026).

Stock Price Fair Value vs Fair Value
Visa Inc V 5,663 MXN 229.36 MXN -96%
Mastercard Incorporated MA C$29.95 C$17.76 -41%
M4I M4I €430.50 €368.29 -14%
American Express Company AXP C$28.87 C$24.27 -16%
Capital One Financial Corporation COF $177.63 $125.08 -30%
Bajaj Finance Limited BAJFINANCE ₹889.40 ₹559.13 -37%

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Frequently asked questions

Is TIME (TIME) undervalued?
As of Jun 26, 2026, our model estimates a fair value of £0.8300 versus a price of £0.4950 — about +68% (undervalued). Model-based estimate, not financial advice.
What is the fair value of TIME?
Our model-based fair value for TIME is £0.8300 (as of Jun 26, 2026), built from audited fundamentals. The current price is £0.4950.
What is the quality score of TIME?
TIME has a Quality Score of 51/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of TIME (TIME)?
TIME reported trailing-twelve-month revenue of about £37.8M (latest available figure, as of Jun 26, 2026).
What is the net profit margin of TIME?
The net profit margin of TIME is about 16.1%, meaning it keeps roughly 16.1% of revenue as net income. Based on the latest reported figures.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.