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About the company
Time Finance plc is a multi-product alternative finance provider. The Company is a lender for the working capital requirements of United Kingdom businesses and acts as a broker in arranging funding. Its offerings include Asset Finance and Invoice Finance with lending proposals originated through various channels, such as finance brokers and other professional firms, equipment vendors, suppliers and dealers, and direct from borrowers. Asset Finance enables investment in vital equipment or refinancing existing assets. Its business products consist of hire purchase, finance lease, and asset-based lending. Invoice Finance helps in improving the cashflow of the customer's business. It provides funding and offers an optional credit control service, where it manages a tailored collections process on the customer's behalf. It offers business loans secured against collateral and secured loans on a short or long-term basis, with monthly repayments. It also offers commercial loans.
- Revenue in GBP (TTM)29.44m
- Net income in GBP3.92m
- Incorporated2006
- Employees144.00
- LocationTime Finance PLCSt James House, The Square, Lower Bristol RoadBATH BA2 3BHUnited KingdomGBR
- Phone+44 122 547 4230
- Fax+44 122 580 8966
- Websitehttps://timefinance.com/
Peer analysis
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| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sancus Lending Group Ltd | 10.57m | -15.39m | 9.03m | 31.00 | -- | 0.8195 | -- | 0.8542 | -0.0301 | -0.0301 | 0.0196 | 0.0067 | 0.1009 | -- | 1.71 | 271,102.60 | -14.68 | -13.57 | -15.90 | -15.47 | 12.56 | 47.24 | -145.59 | -128.04 | -- | -2.80 | 0.9648 | -- | 10.72 | -3.00 | -36.01 | -- | -5.30 | -- |
| Vector Capital PLC | 5.71m | 1.58m | 12.67m | 9.00 | 8.02 | 0.4964 | 8.01 | 2.22 | 0.0349 | 0.0349 | 0.1263 | 0.5641 | 0.1101 | -- | 0.1112 | -- | 3.05 | 4.53 | 5.76 | 8.56 | 93.14 | 91.43 | 27.66 | 38.81 | -- | 2.17 | -- | 41.54 | -3.63 | 25.50 | -30.55 | 9.47 | -- | -- |
| Supply@Me Capital PLC | 215.00k | -6.51m | 16.62m | 26.00 | -- | -- | -- | 77.32 | -0.0001 | -0.0001 | 0.00 | -0.00003 | 0.0369 | -- | 5.00 | 8,269.23 | -111.58 | -- | -- | -- | -58.14 | -- | -3,026.51 | -- | -- | -8.15 | -- | -- | -50.54 | -- | -3.92 | -- | -- | -- |
| Manx Financial Group PLC | 46.89m | 5.29m | 24.40m | 177.00 | 6.19 | 0.6916 | 3.19 | 0.6319 | 0.0339 | 0.0339 | 0.248 | 0.3037 | -- | -- | -- | -- | 1.43 | 1.18 | -- | -- | -- | -- | 15.90 | 13.58 | -- | -- | -- | 5.34 | 52.53 | 19.66 | 22.10 | 16.47 | 15.09 | -- |
| Time Finance PLC | 29.44m | 3.92m | 37.93m | 144.00 | 9.68 | 0.594 | 8.69 | 1.29 | 0.0424 | 0.0433 | 0.3182 | 0.6902 | 0.162 | -- | 0.33 | -- | 2.16 | 1.89 | 3.37 | 3.09 | 57.55 | 61.15 | 13.31 | 10.66 | -- | 51.32 | 0.0347 | 5.19 | 19.92 | -2.12 | 163.66 | -12.10 | -34.05 | -- |
| Lendinvest PLC | 67.70m | -12.20m | 38.78m | 229.00 | -- | 0.5746 | -- | 0.5729 | -0.0885 | -0.0885 | 0.4918 | 0.4786 | 0.0591 | -- | 50.15 | 295,633.20 | -1.06 | 0.5445 | -1.10 | 0.5635 | 27.03 | 53.87 | -18.02 | 6.83 | -- | 0.4578 | 0.9269 | 51.00 | -1.48 | 375.41 | 4.59 | 485.98 | 480.04 | -- |
| Distribution Finance Capital Holdngs PLC | 61.06m | 3.16m | 40.36m | 126.00 | 13.10 | 0.4019 | 10.02 | 0.661 | 0.0172 | 0.0172 | 0.3257 | 0.5598 | 0.0958 | -- | 26.85 | 484,603.20 | 0.4951 | -0.9825 | 3.01 | -3.06 | 62.24 | 60.87 | 5.17 | -14.22 | -- | 213.78 | 0.8537 | -- | 127.52 | 63.80 | -67.68 | -- | -10.31 | -- |
| West Bromwich Building Society | 245.50m | 21.60m | 53.36m | 626.00 | -- | 0.2486 | 1.90 | 0.4973 | -- | -- | 83.26 | 339.85 | -- | -- | -- | -- | 0.3745 | 0.231 | -- | -- | -- | -- | 20.13 | 16.90 | -- | -- | -- | -- | 45.90 | 5.11 | 7.38 | 27.10 | 1.90 | -- |
| ASA International Group PLC | -100.00bn | -100.00bn | 61.94m | 13.60k | -- | 1.10 | -- | -- | -- | -- | -- | 0.5653 | -- | -- | -- | -- | -- | 3.11 | -- | 6.19 | -- | -- | -- | 9.38 | -- | -- | 0.8249 | 0.00 | -5.97 | 11.17 | 103.62 | -9.21 | 20.69 | -- |
| Trufin PLC | 18.13m | -5.51m | 71.97m | 191.00 | -- | 2.02 | -- | 3.97 | -0.059 | -0.0682 | 0.1817 | 0.3359 | 0.3122 | -- | 8.00 | 94,926.70 | -10.98 | -12.69 | -14.56 | -16.62 | 72.27 | 65.70 | -35.17 | -69.94 | -- | -1,806.50 | 0.1596 | -- | 30.82 | 32.95 | 18.34 | -- | 11.91 | -- |
| Bango plc | 36.99m | -7.08m | 96.29m | 274.00 | -- | 4.36 | 385.83 | 2.60 | -0.0923 | -0.0923 | 0.4823 | 0.2873 | 0.6529 | -- | 2.07 | 135,013.30 | -12.50 | -5.48 | -23.84 | -7.75 | 85.95 | 90.92 | -19.15 | -10.20 | -- | -1.01 | 0.2761 | -- | 61.80 | 39.19 | -312.43 | -- | 37.33 | -- |
| Holder | Shares | % Held |
|---|---|---|
| Arena Investors LPas of 31 May 2023 | 18.43m | 19.92% |
| GPIM Ltd.as of 31 May 2023 | 17.00m | 18.37% |
| Hargreaves Lansdown Asset Management Ltd.as of 31 May 2021 | 8.22m | 8.89% |
| Lombard Odier Asset Management (Europe) Ltd.as of 31 May 2020 | 3.05m | 3.30% |
| IG Markets Ltd.as of 01 Dec 2023 | 906.00k | 0.98% |
| HSBC Global Asset Management (UK) Ltd.as of 01 Dec 2023 | 397.00k | 0.43% |
| KW Investment Management Ltd.as of 01 Dec 2023 | 300.00k | 0.32% |
| JPMorgan Securities Plc (Market-Maker)as of 01 Dec 2023 | 243.00k | 0.26% |
| Jarvis Investment Management Ltd.as of 01 Dec 2023 | 187.00k | 0.20% |
| J. M. Finn & Co. Ltd.as of 01 Dec 2023 | 185.00k | 0.20% |
