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8082-737-676

0R15 7941.0 -0.9233% 0R1E 7597.0 3.5437% 0M69 None None% 0R2V 182.6 3.0183% 0QYR 1369.0 -0.9407% 0QYP 409.9595 -0.4953% 0LCV 141.835 -0.3268% 0RUK None None% 0RYA 1604.0 -3.3153% 0RIH 170.0 -1.0477% 0RIH 169.0619 -0.5518% 0R1O 192.5 10152.996% 0R1O None None% 0QFP None None% 0M2Z 304.7 0.7273% 0VSO None None% 0R1I None None% 0QZI 472.0 0.6397% 0QZ0 220.0 0.0% 0NZF None None%

Time Finance PLC

Financial Services GB TIME

41.6GBP
0.60(1.46%)

Last update at 2024-05-09T09:42:00Z

Day Range

40.1541.62
LowHigh

52 Week Range

19.0039.80
LowHigh

Financials

Income Statement

Balancesheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2023-05-31 2022-05-31 2021-05-31 2020-05-31 2019-05-31
Type yearly yearly yearly yearly yearly
Date 2023-05-31 2022-05-31 2021-05-31 2020-05-31 2019-05-31
Income before tax 4.08M 1.05M 2.02M 2.02M 7.88M
Minority interest - - - - -
Net income 3.45M 0.92M 1.78M 1.55M 6.35M
Selling general administrative 11.37M 11.77M 11.47M 12.79M 13.29M
Selling and marketing expenses - - - - -
Gross profit 15.80M 14.96M 14.44M 15.74M 21.54M
Reconciled depreciation 0.42M 0.61M 0.75M 0.88M 0.78M
Ebit 4.30M 3.15M 2.69M 2.93M 8.03M
Ebitda 4.72M 3.72M 3.44M 3.81M 9.09M
Depreciation and amortization 0.42M 0.57M 0.75M 0.88M 1.07M
Non operating income net other - - - - -
Operating income 4.23M 1.31M 2.27M 2.19M 8.03M
Other operating expenses 22.67M 20.46M 21.11M 26.14M 23.57M
Interest expense 0.15M 0.26M 0.25M 0.18M 0.22M
Tax provision 0.72M 0.13M 0.24M 0.47M 1.52M
Interest income 0.00100M 0.00100M 0.00300M 0.00900M 0.07M
Net interest income -0.15100M -0.25400M -0.24700M -0.17200M -0.15100M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 0.72M 0.13M 0.24M 0.47M 1.52M
Total revenue 26.97M 23.61M 23.80M 29.06M 31.81M
Total operating expenses 11.50M 11.81M 11.75M 12.82M 13.29M
Cost of revenue 11.17M 8.65M 9.36M 13.32M 10.27M
Total other income expense net 4.08M 1.41M 2.12M 2.02M -0.15100M
Discontinued operations 0.09M -0.35300M -0.10200M -0.10200M -0.10200M
Net income from continuing ops 3.36M 0.92M 1.78M 1.55M 6.35M
Net income applicable to common shares 3.45M 0.92M 1.78M 1.55M 6.35M
Preferred stock and other adjustments - - - - -
Breakdown 2023-05-31 2022-05-31 2021-05-31 2020-05-31 2019-05-31
Type yearly yearly yearly yearly yearly
Date 2023-05-31 2022-05-31 2021-05-31 2020-05-31 2019-05-31
Total assets 183.69M 153.31M 137.79M 138.59M 157.70M
Intangible assets 0.23M 0.30M 0.48M 0.53M 0.49M
Earning assets - - - - -
Other current assets 70.85M 70.85M 55.19M 60.22M 74.43M
Total liab 122.02M 95.26M 80.67M 83.37M 103.92M
Total stockholder equity 61.67M 58.05M 57.12M 55.22M 53.78M
Deferred long term liab - - - - -
Other current liab 0.42M 0.03M 2.71M 3.21M 2.00M
Common stock 9.25M 9.25M 9.25M 8.90M 8.76M
Capital stock 9.25M 9.25M 9.25M 8.90M 8.76M
Retained earnings 27.42M 23.97M 23.05M 21.27M 19.89M
Other liab 52.82M 39.03M 33.75M 28.64M 30.61M
Good will 27.26M 27.26M 28.24M 28.24M 27.85M
Other assets 1.24M 1.04M 0.81M 0.94M 0.94M
Cash 3.77M 3.17M 7.97M 1.30M 1.85M
Cash and equivalents - - - - -
Total current liabilities 67.45M 53.88M 43.51M 54.49M 72.84M
Current deferred revenue - - -2.70900M -2.37800M -
Net debt -0.20900M 1.07M -2.74100M 1.54M 1.90M
Short term debt 1.82M 1.90M 1.81M 2.60M 3.28M
Short long term debt 1.62M 1.88M 1.63M 2.41M 3.28M
Short long term debt total 3.56M 4.24M 5.23M 2.84M 3.75M
Other stockholder equity -36.67100M -33.22400M -32.30300M -30.17300M 25.13M
Property plant equipment 0.81M 0.35M 0.78M 1.20M 1.42M
Total current assets 95.62M 74.02M 63.16M 61.53M 76.28M
Long term investments - - - - -
Net tangible assets 34.18M 30.49M 28.40M 26.46M 25.44M
Short term investments - - - - -
Net receivables 91.85M 121.20M 97.04M 104.55M 123.60M
Long term debt 1.32M 2.34M 3.37M 0.00000M 0.47M
Inventory - - - - 0.00000M
Accounts payable 65.21M 51.96M 41.69M 51.05M 67.56M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income - - - - -
Additional paid in capital - - - - -
Common stock total equity - - - - -
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - -0.79000M -0.31000M -0.30000M
Accumulated amortization - - - - -
Non currrent assets other -28.30500M -27.91100M -29.49200M -29.96200M 50.71M
Deferred long term asset charges - - - - -
Non current assets total 88.07M 79.29M 74.63M 77.06M 81.41M
Capital lease obligations 0.62M 0.02M 0.23M 0.44M -
Long term debt total - - - - -
Breakdown 2023-05-31 2022-05-31 2021-05-31 2020-05-31 2019-05-31
Type yearly yearly yearly yearly yearly
Date 2023-05-31 2022-05-31 2021-05-31 2020-05-31 2019-05-31
Investments -0.12800M -0.15300M -0.50800M -1.43100M -1.24400M
Change to liabilities 27.06M 15.55M -4.24800M -17.67700M -5.28600M
Total cashflows from investing activities -0.12800M -0.15300M -0.50800M -1.43100M -1.24400M
Net borrowings -1.44900M -0.97900M 2.38M -1.55800M -0.48100M
Total cash from financing activities -1.44900M -0.97900M 2.38M -2.05600M -1.28700M
Change to operating activities -29.20100M -21.78800M 6.79M 18.95M 0.53M
Net income 4.08M 1.40M 2.02M 2.02M 7.88M
Change in cash 0.86M -4.74900M 7.53M -0.19900M -0.97500M
Begin period cash flow 2.92M 7.67M 0.13M 0.33M 1.31M
End period cash flow 3.77M 2.92M 7.67M 0.13M 0.33M
Total cash from operating activities 2.43M -3.61700M 5.66M 3.29M 1.56M
Issuance of capital stock - - - - 0.00000M
Depreciation 0.42M 0.57M 0.75M 0.88M 0.78M
Other cashflows from investing activities 0.00100M 0.00100M 0.00300M 0.00900M 0.07M
Dividends paid - - 0.50M 0.50M 0.81M
Change to inventory - 0.00000M 0.00000M 0.36M 0.36M
Change to account receivables - -22.14700M 6.72M 6.72M 6.72M
Sale purchase of stock - - - - 0.00000M
Other cashflows from financing activities -0.42400M -0.24800M 3.02M -0.56700M 0.76M
Change to netincome 0.71M 1.09M 0.59M -0.42000M -1.18400M
Capital expenditures 0.13M 0.15M 0.31M 0.38M 0.78M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital -2.14500M -6.51500M 2.54M 1.27M -4.39000M
Stock based compensation 0.12M 0.04M 0.28M 0.03M -
Other non cash items 1.09M 1.52M 0.91M 0.78M -2.70800M
Free cash flow 2.30M -3.76600M 5.34M 2.91M 0.78M

Fundamentals

  • Previous Close 41.00
  • Market Cap33.30M
  • Volume42094
  • P/E Ratio8.38
  • Dividend Yield-%
  • Revenue TTM26.82M
  • Revenue Per Share TTM0.29
  • Gross Profit TTM 15.64M
  • Diluted EPS TTM0.04

Peer Comparison

Sector: Financial Services Industry: Credit Services

Company Change (GBP) Price (GBP) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x) Enterprise Value to EBITDA (x)
TIME
Time Finance PLC		 0.60 1.46% 41.60 8.38 8.03 1.16 0.52 1.18 6.81
GACA
General Accident PLC		 -1.015 0.76% 132.49 2.14 - 137.89 -
VANQ
Vanquis Banking Group PLC		 0.06 0.11% 49.30 7.97 - - -
IPF
International Personal Finance PLC		 -0.5 0.45% 109.50 6.32 6.13 0.37 0.58 1.55
SUS
S&U plc		 30.00 1.54% 1980.00 8.04 8.55 3.18 1.11 3.70 9.84

Reports Covered

Stock Research & News

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Profile

Time Finance plc, together with its subsidiaries, provides financial products and services to consumers and businesses in the United Kingdom. It operates through two segments: Asset Finance and Invoice Finance. The company offers vendor finance, hire purchase, finance leasing, asset-based lending, and invoice finance; secured business loans; and vehicle finance solutions, as well as commercial loans. The company was formerly known as 1pm plc and changed its name to Time Finance plc in December 2020. Time Finance plc was founded in 2000 and is headquartered in Bath, the United Kingdom.

Time Finance PLC

St James House, The Square, Bath, United Kingdom, BA2 3BH

Key Executives

Name Title Year Born
Mr. Edward J. Rimmer CEO & Exec. Director 1973
Mr. James Matthew Arthur Roberts CFO, Company Sec. & Exec. Director 1978
Mr. David Jones Director of IT NA
Mr. Phil Chesham Managing Director of Invoice Fin. NA
Mr. Alun Winter Head of Loans NA
Andy Hume Head of Sales for North NA
Ms. Lorraine Neyland Director of Risk NA

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