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Time Finance plc (TIME.L)
Bath, GB
Time Finance plc, a company based in Bath, UK, offers a comprehensive suite of financial solutions to individuals and businesses across the United Kingdom. Its operations are structured into four key divisions: Asset Finance, Vehicle Finance, Loan Finance, and Invoice Finance. The firm's diverse portfolio encompasses vendor financing, hire purchase agreements, finance leases, and asset-backed lending. It also extends various business loan options—including unsecured, secured, and VAT-related facilities—alongside property funding solutions such as second-charge mortgages, bridging facilities, and bespoke buy-to-let financing. Historic offerings included COVID-19 business support programs, in addition to its comprehensive vehicle finance provisions. Founded in 2000, the entity rebranded as Time Finance plc in December 2020, having previously traded as 1pm plc.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -1.78% | -1.78% | -2.35% | -16.16% | -14.43% | -20.19% | -27.19% | +45.61% | +40.68% | -38.06% | -89.21% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 1 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth Financial - Credit Services: +13.2%+11.7% Q4'25: +20.4% (vs Q4'23)
-
EPS growth Financial - Credit Services: +24.0%+32.1% ★ Q4'25: +50.2% (vs Q4'23)
-
FCF margin FCF growth · Financial - Credit Services: +70.9%+13.5% Q4'25: -4.8% (vs Q4'23)
-
EBIT margin Financial - Credit Services: +28.7%+22.2% Q4'25: +23.0% (vs Q4'23)
-
ROIC Financial - Credit Services: +5.0%+9.1% ★ Q4'25: +17.8% (vs Q4'23)
-
Share dilution Financial - Credit Services: +0.0%+0.0% Q4'25: -0.9% (vs Q4'23)
-
Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×0.13× ★ Q4'25: 0.07× (vs Q4'23)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
May 2015 actual |
May 2016 actual |
May 2017 actual |
May 2018 actual |
May 2019 actual |
May 2020 actual |
May 2021 actual |
May 2022 actual |
May 2023 actual |
May 2024 actual |
May 2025 actual |
May 2026 1 Rev. Ana. 1 EPS Ana. |
May 2027 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
5.51M
est: 5.60M (-1.6%)
|
12.48M
est: 12.10M (+3.1%)
|
16.86M
est: 16.70M (+1.0%)
|
29.83M
est: 29.80M (+0.1%)
|
31.60M
est: 31.80M (-0.6%)
|
29.06M
est: 29.10M (-0.1%)
|
22.16M
est: 24.00M (-7.7%)
|
22.49M
est: 23.60M (-4.7%)
|
26.97M
est: 26.00M (+3.7%)
|
33.23M
est: 33.00M (+0.7%)
|
37.12M
est: 37.00M (+0.3%)
|
38.50M
38.50M – 38.50M
+4.1% YoY
|
40.60M
40.60M – 40.60M
+5.5% YoY
|
| EBITDA |
1.72M
est: 1.05M (+63.4%)
|
3.77M
est: 2.27M (+66.0%)
|
4.89M
est: 3.14M (+55.7%)
|
8.10M
est: 5.60M (+44.7%)
|
8.87M
est: 5.98M (+48.5%)
|
3.80M
est: 5.47M (-30.5%)
|
3.55M
est: 4.51M (-21.3%)
|
3.94M
est: 4.44M (-11.3%)
|
4.72M
est: 4.89M (-3.4%)
|
6.42M
est: 6.20M (+3.5%)
|
8.77M
est: 6.95M (+26.1%)
|
7.24M
7.24M – 7.24M
+4.1% YoY
|
7.63M
7.63M – 7.63M
+5.5% YoY
|
| EBIT |
1.64M
est: 935.8K (+75.4%)
|
3.42M
est: 2.02M (+69.1%)
|
4.16M
est: 2.79M (+49.1%)
|
8.03M
est: 4.98M (+61.2%)
|
8.03M
est: 5.31M (+51.1%)
|
2.20M
est: 4.86M (-54.7%)
|
2.79M
est: 4.01M (-30.3%)
|
3.33M
est: 3.94M (-15.7%)
|
4.30M
est: 4.34M (-1.0%)
|
5.98M
est: 5.51M (+8.5%)
|
8.24M
est: 6.18M (+33.3%)
|
6.43M
6.43M – 6.43M
+4.1% YoY
|
6.78M
6.78M – 6.78M
+5.5% YoY
|
| Net Income |
1.27M
est: 3.34M (-61.9%)
|
2.87M
est: 4.44M (-35.4%)
|
3.29M
est: 5.37M (-38.8%)
|
6.40M
est: 6.55M (-2.2%)
|
6.35M
est: 6.11M (+4.0%)
|
1.56M
est: 2.54M (-38.9%)
|
1.78M
est: 2.10M (-15.3%)
|
921.0K
est: 2.41M (-61.7%)
|
3.45M
est: 3.24M (+6.5%)
|
4.44M
est: 4.63M (-3.9%)
|
5.86M
est: 6.01M (-2.5%)
|
6.48M
6.48M – 6.48M
+7.7% YoY
|
7.12M
7.12M – 7.12M
+10.0% YoY
|
| SGA |
1.39M
est: 2.44M (-42.8%)
|
4.29M
est: 5.27M (-18.5%)
|
6.47M
est: 7.27M (-11.0%)
|
12.18M
est: 12.97M (-6.1%)
|
13.30M
est: 13.84M (-4.0%)
|
12.82M
est: 12.67M (+1.2%)
|
10.81M
est: 10.45M (+3.5%)
|
11.10M
est: 10.27M (+8.1%)
|
11.50M
est: 11.32M (+1.6%)
|
13.19M
est: 14.36M (-8.2%)
|
13.81M
est: 16.11M (-14.3%)
|
16.76M
16.76M – 16.76M
+4.1% YoY
|
17.67M
17.67M – 17.67M
+5.5% YoY
|
| EPS |
0.04
est: 0.04 (+3.1%)
|
0.06
est: 0.05 (+22.4%)
|
0.06
est: 0.06 (+5.0%)
|
0.06
est: 0.07 (-8.7%)
|
0.07
est: 0.07 (+10.6%)
|
0.02
est: 0.03 (-36.0%)
|
0.02
est: 0.02 (-12.2%)
|
0.01
est: 0.03 (-61.5%)
|
0.04
est: 0.04 (+8.3%)
|
0.05
est: 0.05 (-4.0%)
|
0.06
est: 0.07 (-2.5%)
|
0.07
0.07 – 0.07
+7.7% YoY
|
0.08
0.08 – 0.08
+10.0% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | A- | 4/5 | 4/5 | 3/5 | 4/5 | 3/5 | 3/5 | 4/5 |
| 2026-05-28 | A- | 4/5 | 4/5 | 3/5 | 4/5 | 3/5 | 3/5 | 4/5 |
| 2026-05-27 | A- | 4/5 | 4/5 | 3/5 | 4/5 | 3/5 | 3/5 | 4/5 |
| 2026-05-26 | A- | 4/5 | 4/5 | 3/5 | 4/5 | 3/5 | 3/5 | 4/5 |
| 2026-05-22 | A- | 4/5 | 4/5 | 3/5 | 4/5 | 3/5 | 3/5 | 4/5 |
| 2026-05-21 | A- | 4/5 | 4/5 | 3/5 | 4/5 | 3/5 | 3/5 | 4/5 |
| 2026-05-20 | A- | 4/5 | 4/5 | 3/5 | 4/5 | 3/5 | 3/5 | 4/5 |
| 2026-05-19 | A- | 4/5 | 4/5 | 3/5 | 4/5 | 3/5 | 3/5 | 4/5 |
| 2026-05-18 | A- | 4/5 | 4/5 | 3/5 | 4/5 | 3/5 | 3/5 | 4/5 |
| 2026-05-15 | A | 4/5 | 4/5 | 3/5 | 4/5 | 4/5 | 3/5 | 4/5 |
| 2026-05-14 | A | 4/5 | 4/5 | 3/5 | 4/5 | 4/5 | 3/5 | 4/5 |
| 2026-05-13 | A+ | 4/5 | 4/5 | 3/5 | 5/5 | 4/5 | 4/5 | 4/5 |
| 2026-05-12 | A+ | 4/5 | 4/5 | 3/5 | 5/5 | 4/5 | 4/5 | 4/5 |
| 2026-05-11 | A+ | 4/5 | 4/5 | 3/5 | 5/5 | 4/5 | 4/5 | 4/5 |
| 2026-05-08 | A | 4/5 | 4/5 | 3/5 | 5/5 | 3/5 | 4/5 | 4/5 |
| 2026-05-07 | A | 4/5 | 4/5 | 3/5 | 5/5 | 3/5 | 4/5 | 4/5 |
| 2026-05-06 | A | 4/5 | 4/5 | 3/5 | 5/5 | 3/5 | 4/5 | 4/5 |
| 2026-05-05 | A | 4/5 | 4/5 | 3/5 | 5/5 | 3/5 | 4/5 | 4/5 |
| 2026-05-01 | A | 4/5 | 4/5 | 3/5 | 5/5 | 3/5 | 4/5 | 4/5 |
| 2026-04-30 | A | 4/5 | 4/5 | 3/5 | 5/5 | 3/5 | 4/5 | 4/5 |
| 2026-04-29 | A | 4/5 | 4/5 | 3/5 | 5/5 | 3/5 | 4/5 | 4/5 |
| 2026-04-28 | A | 4/5 | 4/5 | 3/5 | 5/5 | 3/5 | 4/5 | 4/5 |
| 2026-04-27 | A | 4/5 | 4/5 | 3/5 | 5/5 | 3/5 | 4/5 | 4/5 |
| 2026-04-24 | A | 4/5 | 4/5 | 3/5 | 5/5 | 3/5 | 4/5 | 4/5 |
| 2026-04-23 | A | 4/5 | 4/5 | 3/5 | 5/5 | 3/5 | 4/5 | 4/5 |
| 2026-04-22 | A | 4/5 | 4/5 | 3/5 | 5/5 | 3/5 | 4/5 | 4/5 |
| 2026-04-21 | A | 4/5 | 4/5 | 3/5 | 5/5 | 3/5 | 4/5 | 4/5 |
| 2026-04-20 | A | 4/5 | 4/5 | 3/5 | 5/5 | 3/5 | 4/5 | 4/5 |
| 2026-04-17 | A | 4/5 | 4/5 | 3/5 | 5/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-16 | A | 4/5 | 4/5 | 3/5 | 5/5 | 2/5 | 4/5 | 4/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
This company is not held by any ETF in our universe.
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Edward J. Rimmer | Chief Executive Officer & Executive Director | 476.0K | male |
| James Matthew Arthur Roberts | Chief Financial Officer, Company Secretary & Executive Director | 364.0K | male |
| Julian Mann | Senior Compliance Manager | — | — |
| Laura Dun | Head of Human Resources | — | female |
| Laura Mollett | Head of Broker Sales | — | female |
| Phil Chesham | Managing Director of Invoice Finance | — | male |
| Sharon Bryden | Group Head of Operations | — | female |
| Andy Hume | Head of Sales - Invoice Finance for North | — | — |
| Steve Nichols | Managing Director of Asset Finance | — | male |
| Caroline McDonald | Head of Marketing | — | female |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for TIME.L
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
