Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
TIME.L
BuyTime Finance plc · Financial Services · United Kingdom · $71M · Avg Vol: $301K/d
COMPANY DESCRIPTION
Time Finance plc is a specialized independent provider of funding solutions to UK small and medium-sized enterprises (SMEs). The company offers a multi-product range including asset finance, invoice finance, commercial loans, and vehicle finance. Its competitive moat is built on a highly diversified loan book, localized relationship-driven underwriting, and the agility to serve underserved niche markets that traditional high-street banks overlook.
FINANCIAL SUMMARY (GBP)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|
| Revenue | 22.5M | 27.0M | 33.2M | 37.1M | 18.1% | 38.0M | 39.1M | 5.4% |
| EPS (GBp) | 1.00 | 3.73 | 4.80 | 6.34 | 85.1% | 7.05 | 7.70 | 21.5% |
| Shares | 92.5M | 92.5M | 91.4M | 91.7M | -0.9% | 91.7M | — | — |
| Debt | 4.3M | 3.6M | 1.9M | 1.2M | -34.9% | 0.9M | — | — |
| Equity | 58.1M | 61.7M | 66.1M | 71.8M | 7.3% | — | — | — |
| Op CF | -3.6M | 2.4M | -0.2M | 5.1M | 44.9% | 1.7M | — | — |
| Inv CF | -0.2M | -0.1M | -0.2M | -0.2M | — | — | — | — |
| Fin CF | -1.0M | -1.4M | -1.9M | -1.5M | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of TIME.L are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| TIME.L | Time Finance plc(you) | $71M | 80 | Buy |
| DFCH.L | Distribution Finance Capital Holdings plc | $158M | 76 | Buy |
| SUS.L | S&U plc | $329M | 53 | Hold |
| FCH.L | Funding Circle Holdings plc | $878M | 59 | Hold |
| BANK.L | Fiinu Plc | $31M | 1 | Strong Sell |
| ESO.L | EPE Special Opportunities Limited | $70M | 90 | Strong Buy |
| REC.L | Record plc | $114M | 75 | Buy |
| IPX.L | Impax Asset Management Group Plc | $187M | 83 | Strong Buy |
| CAV.L | Cavendish plc | $42M | 67 | Buy |
| GPM.L | Golden Prospect Precious Metals Ltd. | $126M | 66 | Buy |
Peer medians: ROE 11.3% · P/E 12.3x · Gross margin 96.3%