YOLFTbeta
Time Finance PLC

Time Finance PLC

TIME · LSE · Financial Services / Credit Services

58.90GBX+0.00 (0.00%)

Price History

Full chart

Market Stats

Previous Close58.90
Open58.80
Day Range58.01 – 60.00
52-Week Range40.11 – 60.00
Volume102.56K
Market Cap53.08M
P/E (TTM)8.27
Forward P/E7.52
EPS0.07
Dividend Yield0.00%
Beta0.87
50-Day Avg55.80
200-Day Avg49.65

About

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. 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.

Company Details

  • SectorFinancial Services
  • IndustryCredit Services
  • CEOMr. Edward J. Rimmer
  • Employees153
  • HeadquartersSt James House, The Square, Bath, United Kingdom, BA2 3BH, UK
  • Websitehttps://www.timefinance.com

Leadership

  • Mr. Edward J. RimmerCEO & Executive Director · b. 1972
  • Mr. James Matthew Arthur RobertsCFO, Company Secretary & Executive Director · b. 1978
  • Ms. Sharon BrydenGroup Head of Operations
  • Ms. Claudia RitchieCompliance Manager
  • Ms. Caroline McDonaldHead of Marketing
  • Ms. Laura DunHead of Human Resources
  • Mr. Phil CheshamManaging Director of Invoice Finance
  • Andy HumeHead of Sales - Invoice Finance for North
  • Mr. Steve NicholsManaging Director of Asset Finance
  • Ms. Laura MollettHead of Broker Sales

Financials

Income Statement

Currency: GBP2007-05-312008-05-312009-05-312010-05-312011-05-312012-05-312013-05-312014-05-312015-05-312016-05-312017-05-312018-05-312019-05-312020-05-312021-05-312022-05-312023-05-312024-05-312025-05-31
Total Revenue872.00K805.00K1.36M1.33M1.91M2.31M3.11M4.19M5.51M12.48M16.86M29.83M31.60M29.06M22.16M22.49M26.97M33.23M37.12M
Growth (%)--7.68%+69.57%-2.42%+43.09%+21.25%+34.43%+34.72%+31.73%+126.37%+35.11%+76.93%+5.91%-8.02%-23.75%+1.48%+19.92%+23.22%+11.71%
Cost of Revenue793.00K272.00K791.00K1.19M1.12M1.27M1.65M1.99M2.50M4.48M6.09M10.69M11.05M14.20M9.31M8.67M11.59M13.86M15.44M
Gross Profit79.00K533.00K574.00K147.00K784.00K1.04M1.46M2.19M3.01M8.00M10.77M19.14M20.55M14.86M12.85M13.82M15.37M33.05M21.68M
Gross Margin9.06%66.21%42.05%11.04%41.13%44.83%46.85%52.35%54.59%64.10%63.86%64.17%65.03%51.13%57.98%61.44%57.01%99.46%58.40%
Operating Expense296.00K470.00K556.00K517.00K555.00K577.00K663.18K844.98K1.39M4.29M6.47M11.61M12.52M11.94M10.05M12.15M11.07M27.07M13.83M
Operating Income-217.00K63.00K18.00K-370.00K229.00K459.00K792.24K1.35M1.62M3.71M4.30M7.53M8.03M2.92M2.79M1.66M4.30M5.98M7.85M
Operating Margin-24.89%7.83%1.32%-27.78%12.01%19.86%25.50%32.16%29.31%29.74%25.51%25.25%25.41%10.04%12.61%7.39%15.94%18.01%21.15%
EBITDA-219.03K85.00K46.00K-345.00K251.00K479.00K790.11K1.40M1.72M3.77M4.89M8.10M8.87M3.80M3.55M3.94M4.72M6.42M8.77M
EBITDA Margin-25.12%10.56%3.37%-25.90%13.17%20.73%25.43%33.36%31.20%30.24%28.98%27.16%28.08%13.08%16.01%17.50%17.51%19.31%23.63%
Net Income-140.00K57.00K3.00K-338.00K154.00K348.00K603.07K1.05M1.27M2.87M3.29M6.40M6.35M1.55M1.78M921.00K3.45M4.44M5.86M
Net Income Margin-16.06%7.08%0.22%-25.38%8.08%15.06%19.41%25.07%23.05%22.96%19.49%21.46%20.10%5.35%8.02%4.10%12.78%13.37%15.79%
R&D---------0.270.240.260.250.070.10.060.15--
R&D as % of Total Revenue---------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%--
Interest Expense12.00K9.00K15.00K33.00K27.00K23.00K17.10K26.39K20.86K74.00K82.00K179.00K218.00K181.00K248.00K255.00K152.00K180.00K386.00K
Interest Expense % of Total Revenue1.38%1.12%1.10%2.48%1.42%1.00%0.55%0.63%0.38%0.59%0.49%0.60%0.69%0.62%1.12%1.13%0.56%0.54%1.04%

Balance Sheet

Currency: GBP2007-05-312008-05-312009-05-312010-05-312011-05-312012-05-312013-05-312014-05-312015-05-312016-05-312017-05-312018-05-312019-05-312020-05-312021-05-312022-05-312023-05-312024-05-312025-05-31
Total Assets2.88M4.59M7.26M7.05M9.43M10.18M12.95M17.40M25.24M68.80M93.31M158.60M157.70M138.59M137.79M153.31M183.69M209.74M230.34M
Total Liabilities2.04M3.08M4.67M3.76M5.90M6.22M8.39M10.39M12.87M44.91M64.81M110.92M103.92M83.37M80.67M95.26M122.02M143.60M158.57M
Total Equity831.00K1.51M2.59M3.29M3.53M3.96M4.56M7.01M12.37M23.89M28.51M47.68M53.78M55.22M57.12M58.05M61.67M66.14M71.77M
Cash6.00K25.00K1.00K305.00K-5.00K12.89K2.71K12.00K910.00K2.08M2.07M1.85M1.30M7.97M3.17M3.77M1.59M4.97M
Total Debt107.00K372.00K501.00K330.00K224.00K166.00K1.02M883.09K656.95K1.65M1.20M4.23M3.75M2.84M5.23M4.25M3.75M1.87M1.18M
Net Debt101.00K347.00K500.00K25.00K224.00K161.00K1.01M880.37K644.95K737.00K-879.00K2.16M1.90M1.54M-2.74M1.08M-18.00K277.00K-3.79M

Cash Flow

Currency: GBP2007-05-312008-05-312009-05-312010-05-312011-05-312012-05-312013-05-312014-05-312015-05-312016-05-312017-05-312018-05-312019-05-312020-05-312021-05-312022-05-312023-05-312024-05-312025-05-31
Operating Cash Flow-759.00K-838.00K-702.00K-311.00K-268.00K-19.00K-829.24K-1.21M-3.61M2.41M6.31M-967.00K1.56M3.29M5.66M-3.62M2.43M-170.00K5.11M
Investing Cash Flow6.00K-40.00K-16.00K-6.00K-16.00K-28.00K-16.81K-54.83K-243.00K-8.13M-4.19M-10.57M-1.24M-1.43M-511.00K-154.00K-129.00K-154.00K-205.00K
Financing Cash Flow921.00K631.00K566.00K1.04M-35.00K80.00K400.00K1.38M3.91M6.46M-434.00K10.77M-1.29M-2.06M2.38M-979.00K-1.45M-1.86M-1.52M
Capital Expenditure043.00K16.00K6.00K16.00K28.00K16.96K55.39K246.00K547.00K1.09M1.03M778.00K375.00K314.00K149.00K129.00K250.00K543.00K
Free Cash Flow-759.00K-881.00K-718.00K-317.00K-284.00K-47.00K-846.20K-1.27M-3.86M1.86M5.22M-2.00M778.00K2.91M5.35M-3.77M2.31M-420.00K4.57M
Dividends Paid-------1.38M-129.00K262.00K419.00K806.00K498.00K498.00K----
FCF to OCF100.00%105.13%102.28%101.93%105.97%247.37%102.05%104.56%106.81%77.27%82.74%206.93%50.00%88.59%94.45%104.12%94.70%247.06%89.37%
Dividend Paid to FCF--------108.37%-6.94%5.02%-20.94%103.60%17.10%9.31%----

Earnings

Report DateJan 4, 2016Sep 5, 2016Jan 19, 2017Sep 11, 2017Jan 16, 2018Sep 12, 2018Jan 16, 2019Sep 25, 2019Jan 15, 2020Sep 22, 2020Jan 19, 2021Sep 21, 2021Jan 20, 2022Sep 22, 2022Jan 26, 2023Jan 28, 2025Mar 25, 2025Sep 24, 2025
EPS Estimate0.000.000.000.000.000.000.000.000.000.000.00-0.000.00-0.000.000.03
EPS Actual0.030.030.030.030.030.040.030.030.03-0.010.010.010.000.000.020.030.00-0.22
Surprise------------------946.15%
Timing-------------After-hoursPre-market--Pre-market

Key Statistics & Ratios

Market Cap53.08M
Enterprise Value50.30M
Trailing P/E8.27
Forward P/E7.52
Price / Sales1.41
Price / Book0.71
EPS0.07
Book Value0.81
Revenue (TTM)37.76M
Gross Profit (TTM)22.14M
Profit Margin16.08%
Operating Margin21.98%
Return on Equity8.44%
Return on Assets2.61%
Shares Outstanding91.68M
Shares Float57.62M
Beta0.87
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio0.00%

Dividends

20201×
0.00Apr 16, 2020
20193×
0.01Oct 31, 20190.00Apr 4, 20190.21Mar 29, 2019
20181×
0.01Sep 20, 2018
20171×
0.01Sep 21, 2017
20161×
0.01Sep 15, 2016
20151×
0.00Aug 6, 2015

Stock Splits

  • Aug 19, 20130.0068:1