Time Finance PLC
LSE:TIME

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Time Finance PLC Logo
Time Finance PLC
LSE:TIME
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Price: 58.59 GBX 1.02% Market Closed
Market Cap: 54.2m GBX
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Intrinsic Value

The intrinsic value of one TIME stock under the Base Case scenario is 67.81 GBX. Compared to the current market price of 58.59 GBX, Time Finance PLC is Undervalued by 14%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

TIME Intrinsic Value
67.81 GBX
Undervaluation 14%
Intrinsic Value
Price
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Base Case
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Time Finance PLC

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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

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Fundamental Analysis

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of Time Finance PLC against its competitors.

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(gross, operating, and net) of Time Finance PLC compared to its peers.

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Financials
Annual
Quarterly
TTM
Annual
Quarterly
TTM

Balance Sheet Decomposition
Time Finance PLC

Current Assets 110m
Cash & Short-Term Investments 1.6m
Receivables 108.4m
Non-Current Assets 99.8m
PP&E 838k
Intangibles 27.5m
Other Non-Current Assets 71.4m
Current Liabilities 80m
Accounts Payable 78.3m
Other Current Liabilities 1.7m
Non-Current Liabilities 63.6m
Long-Term Debt 657k
Other Non-Current Liabilities 63m
Efficiency

Earnings Waterfall
Time Finance PLC

Revenue
33.2m GBP
Cost of Revenue
-14m GBP
Gross Profit
19.2m GBP
Operating Expenses
-13.2m GBP
Operating Income
5.9m GBP
Other Expenses
-1.5m GBP
Net Income
4.4m GBP

Free Cash Flow Analysis
Time Finance PLC

Last Value
3-Years Average
FCF Margin
Conversion Rate
Fundamental Scores

TIME Profitability Score
Profitability Due Diligence

Time Finance PLC's profitability score is 52/100. The higher the profitability score, the more profitable the company is.

Positive Gross Profit
Positive 3-Years Revenue Growth
Exceptional 1-Year Revenue Growth
Positive Operating Income
52/100
Profitability
Score

Time Finance PLC's profitability score is 52/100. The higher the profitability score, the more profitable the company is.

TIME Solvency Score
Solvency Due Diligence

Time Finance PLC's solvency score is 67/100. The higher the solvency score, the more solvent the company is.

High Interest Coverage
Low D/E
Negative Net Debt
Long-Term Solvency
67/100
Solvency
Score

Time Finance PLC's solvency score is 67/100. The higher the solvency score, the more solvent the company is.

Wall St
Price Targets

TIME Price Targets Summary
Time Finance PLC

Wall Street analysts forecast TIME stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for TIME is 114.24 GBX with a low forecast of 113.12 GBX and a high forecast of 117.6 GBX.

Lowest
Price Target
113.12 GBX
93% Upside
Average
Price Target
114.24 GBX
95% Upside
Highest
Price Target
117.6 GBX
101% Upside
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Dividends

Dividend Yield
Lowest
Average
Highest
Dividend Per Share
N/A
Growth 3Y
Growth 5Y
Growth 10Y
Dividend Safety Score
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Unsafe
Unsafe
Safe
Very
Safe
0
25
50
75
100
Shareholder Yield

Current shareholder yield for TIME is .

Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?

Shareholder Yield
Dividend Yield
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Buyback Yield
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Debt Paydown Yield
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Profile

Time Finance PLC Logo
Time Finance PLC

Country

United Kingdom

Industry

Financial Services

Market Cap

54.2m GBP

Dividend Yield

0%

Description

Time Finance Plc engages in the provision of leasing and finance solutions. The firm finances a range of business assets to small and medium sized enterprises (SMEs). The company operates through four trading divisions, which includes Asset Finance, Vehicle Finance, Loan Finance and Invoice Finance. Its Asset Finance division, finances across various assets, such as construction, manufacturing and engineering machinery, printing equipment, agricultural and forestry equipment, office furniture, software, audio visual and information technology (IT) hardware, commercial kitchens and shop fit-outs. Its Invoice Finance division provides funding and optional credit control service, and also it offers bad debt protection product. Its Vehicle Finance division offers fleet and vehicle funding solutions. Its Loan Finance division offers business loan, property loan, coronavirus business interruption loan (CBILS) and recovery loan scheme.

Contact

BATH
2nd Floor St James House, The Square, Lower Bristol Road
+441225474230.0
timefinance.com

IPO

2006-08-02

Employees

157

Officers

CEO & Executive Director
Mr. Edward J. Rimmer
Chief Financial Officer
Mr. James Matthew Arthur Roberts
Group Head of Operations
Ms. Sharon Bryden
Head of Marketing
Ms. Caroline McDonald
Head of HR
Ms. Holly Mapstone
Managing Director of Invoice Finance
Mr. Phil Chesham
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Head of Sales for North
Andy Hume
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See Also

Discover More
What is the Intrinsic Value of one TIME stock?

The intrinsic value of one TIME stock under the Base Case scenario is 67.81 GBX.

Is TIME stock undervalued or overvalued?

Compared to the current market price of 58.59 GBX, Time Finance PLC is Undervalued by 14%.

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