Buy Or Sell Opportunity • Feb 23
Now 21% undervalued Over the last 90 days, the stock has risen 9.4% to UK£0.53. The fair value is estimated to be UK£0.67, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 15% over the last 3 years. Earnings per share has grown by 29%. Revenue is forecast to grow by 4.8% in a year. Earnings are forecast to grow by 9.5% in the next year. Buy Or Sell Opportunity • Feb 05
Now 20% undervalued Over the last 90 days, the stock has risen 12% to UK£0.53. The fair value is estimated to be UK£0.66, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 15% over the last 3 years. Earnings per share has grown by 29%. Revenue is forecast to grow by 4.8% in a year. Earnings are forecast to grow by 9.5% in the next year. Announcement • Oct 28
Time Finance plc to Report First Half, 2026 Results on Jan 27, 2026 Time Finance plc announced that they will report first half, 2026 results on Jan 27, 2026 Announcement • Sep 18
Time Finance plc, Annual General Meeting, Nov 06, 2025 Time Finance plc, Annual General Meeting, Nov 06, 2025. Buy Or Sell Opportunity • Sep 11
Now 21% overvalued Over the last 90 days, the stock has fallen 3.5% to UK£0.55. The fair value is estimated to be UK£0.45, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue is forecast to grow by 3.6% in a year. Earnings are forecast to decline by 0.7% in the next year. Buy Or Sell Opportunity • Aug 19
Now 23% overvalued Over the last 90 days, the stock has fallen 6.8% to UK£0.55. The fair value is estimated to be UK£0.45, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue is forecast to grow by 3.6% in a year. Earnings are forecast to decline by 0.7% in the next year. Buy Or Sell Opportunity • Jun 05
Now 20% overvalued after recent price rise Over the last 90 days, the stock has risen 8.6% to UK£0.57. The fair value is estimated to be UK£0.47, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue is forecast to grow by 0.5% in a year. Earnings are forecast to decline by 6.3% in the next year. Announcement • May 07
Time Finance plc Provides Group Earnings Guidance for the Financial Year 2024-2025 Time Finance plc provided group earnings guidance for the financial year 2024-2025. This ongoing positive trading momentum provides the Board with significant confidence that the Group financial performance for financial year 2024-2025 will be at least in line with current market guidance. Announcement • May 06
Time Finance plc to Report Fiscal Year 2025 Results on Sep 24, 2025 Time Finance plc announced that they will report fiscal year 2025 results at 8:00 AM, GMT Standard Time on Sep 24, 2025 Buy Or Sell Opportunity • Mar 25
Now 22% overvalued Over the last 90 days, the stock has fallen 12% to UK£0.55. The fair value is estimated to be UK£0.45, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 18% over the last 3 years. Earnings per share has grown by 44%. Revenue is forecast to grow by 1.7% in a year. Earnings are forecast to grow by 7.8% in the next year. Buy Or Sell Opportunity • Mar 03
Now 26% overvalued Over the last 90 days, the stock has fallen 4.3% to UK£0.56. The fair value is estimated to be UK£0.44, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 18% over the last 3 years. Earnings per share has grown by 44%. Revenue is forecast to grow by 1.7% in a year. Earnings are forecast to grow by 7.8% in the next year. Announcement • Mar 01
Time Finance plc Provides Earnings Guidance for the Year 2025 Time Finance plc provided earnings guidance for the year 2025. For the year, the company expects Revenue for FY25 are now expected to not be less than £36.0 million. Announcement • Feb 11
Time Finance plc to Report Nine Months, 2025 Results on Mar 25, 2025 Time Finance plc announced that they will report nine months, 2025 results on Mar 25, 2025 Buy Or Sell Opportunity • Jan 31
Now 23% overvalued after recent price rise Over the last 90 days, the stock has risen 3.4% to UK£0.60. The fair value is estimated to be UK£0.49, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 18% over the last 3 years. Earnings per share has grown by 44%. Revenue is forecast to grow by 1.7% in a year. Earnings are forecast to grow by 7.8% in the next year. Announcement • Dec 19
Time Finance plc to Report First Half, 2025 Results on Jan 28, 2025 Time Finance plc announced that they will report first half, 2025 results on Jan 28, 2025 New Risk • Nov 12
New minor risk - Share price stability The company's share price has been volatile over the past 3 months. It is more volatile than 75% of British stocks, typically moving 7.2% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Minor Risks Share price has been volatile over the past 3 months (7.2% average weekly change). Market cap is less than US$100m (UK£53.5m market cap, or US$68.2m). New Risk • Aug 12
New minor risk - Financial data availability The company's latest financial reports are more than 6 months old. Last reported fiscal period ended November 2023. This is considered a minor risk. If the company has not reported its earnings on time, it may have been delayed due to audit problems or it may be finding it difficult to reconcile its accounts. Currently, the following risks have been identified for the company: Minor Risks Latest financial reports are more than 6 months old (reported November 2023 fiscal period end). Share price has been volatile over the past 3 months (7.2% average weekly change). Market cap is less than US$100m (UK£43.5m market cap, or US$55.5m). Announcement • Jan 25
Time Finance Appoints Tom Chambers as First Invoice Finance Business Development Executive Time Finance has appointed its first Business Development Executive, Tom Chambers, to its Invoice Finance team. Chambers will work closely with the wider business development team helping to package flexible and supportiveInvoice Finance solutions for its growing client base of SMEs across the UK. He is the latest in a wave of recent appointments at Time Finance. Price Target Changed • Jan 25
Price target increased by 49% to UK£0.71 Up from UK£0.47, the current price target is provided by 1 analyst. New target price is 97% above last closing price of UK£0.36. Stock is up 59% over the past year. The company is forecast to post earnings per share of UK£0.044 for next year compared to UK£0.036 last year. Announcement • Dec 19
Time Finance plc to Report First Half, 2024 Results on Jan 25, 2024 Time Finance plc announced that they will report first half, 2024 results on Jan 25, 2024 Announcement • Nov 17
Time Finance Plc Announces Board Changes Time Finance Plc announced that, after many years of dedicated service, Julian Telling and Ron Russell stepped down from the Board on 7th November 2023 at the conclusion of the Annual General meeting. They were replaced by Tracy Watkinson and Paul Hird as Non-Executive directors, who joined the Board as previously announced on 19th September 2023. New Risk • Nov 09
New major risk - Revenue and earnings growth Earnings have declined by 35% per year over the past 5 years. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are declining over an extended period, then in most cases the share price will decline over time unless the company can turn around its fortunes. A trend of falling earnings can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 35% per year over the past 5 years. Minor Risk Market cap is less than US$100m (UK£26.6m market cap, or US$32.6m). New Risk • Sep 19
New major risk - Revenue and earnings growth Earnings have declined by 34% per year over the past 5 years. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are declining over an extended period, then in most cases the share price will decline over time unless the company can turn around its fortunes. A trend of falling earnings can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 34% per year over the past 5 years. Minor Risks Latest financial reports are more than 6 months old (reported November 2022 fiscal period end). Large one-off items impacting financial results. Market cap is less than US$100m (UK£25.0m market cap, or US$31.0m). Announcement • Sep 19
Time Finance plc Announces Executive Changes Time Finance plc announced the appointments of Tracy Watkinson and Paul Hird as Independent Non-Executive Directors of the Group with immediate effect. Tracy is an accomplished executive with more than 20 years of finance and commercial experience, and currently serves as Chief Operating Officer of Finance at NatWest Group. She began her career at PwC, before later moving into the finance sector, working for Barclays, UBS and Credit Suisse. Tracy has significant experience as a COO in investment banking and is a business transformation expert. She has served in a number of non-executive and independent chair roles, within the finance and sporting sectors. Paul has a background of over 30 years in the finance sector, most recently as co-founder and Chief Executive of Leumi ABL, an asset-based lender that provided over £500m of facilities to clients in the UK Mid-Market with assets of over £2.4 billion being funded annually. Paul is a seasoned non-executive and corporate finance professional with a broad base of experience and achievements in senior management, mergers and acquisitions, and strategic business planning. Tracy and Paul will be joining the Nominations, Remuneration, Audit, and Governance & Risk committees with immediate effect. The Company also announces that after many years of significant contributions to the Board, Ron Russell and Julian Telling, Non-Executive Directors of the Company, will step down from the Board on conclusion of the Company's AGM to be held on 7 November 2023. Announcement • Sep 12
Time Finance plc, Annual General Meeting, Nov 07, 2023 Time Finance plc, Annual General Meeting, Nov 07, 2023. New Risk • Jul 31
New minor risk - Financial data availability The company's latest financial reports are more than 6 months old. Last reported fiscal period ended November 2022. This is considered a minor risk. If the company has not reported its earnings on time, it may have been delayed due to audit problems or it may be finding it difficult to reconcile its accounts. Currently, the following risks have been identified for the company: Minor Risks Latest financial reports are more than 6 months old (reported November 2022 fiscal period end). Large one-off items impacting financial results. Market cap is less than US$100m (UK£23.0m market cap, or US$29.6m). Announcement • Dec 16
Time Finance plc to Report First Half, 2023 Results on Jan 26, 2023 Time Finance plc announced that they will report first half, 2023 results on Jan 26, 2023 Buying Opportunity • Feb 11
Now 20% undervalued Over the last 90 days, the stock is up 15%. The fair value is estimated to be UK£0.32, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has declined by 12% per annum over the last 3 years. Earnings per share has declined by 68% per annum over the last 3 years. Buying Opportunity • Jan 24
Now 21% undervalued Over the last 90 days, the stock is up 1.0%. The fair value is estimated to be UK£0.31, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has declined by 12% per annum over the last 3 years. Earnings per share has declined by 68% per annum over the last 3 years. Price Target Changed • Apr 19
Price target decreased to UK£0.45 Down from UK£0.60, the current price target is provided by 1 analyst. New target price is 62% above last closing price of UK£0.28. Stock is up 54% over the past year. Announcement • Jan 20
Time Finance plc Withdraws Financial Performance for the Year Ending 31 May 2021 and the Year Ending 31 May 2022 Time Finance plc withdraws financial performance for the year ending 31 May 2021 and the year ending 31 May 2022. The Board has concluded that due to these prevailing uncertainties and their potential duration, it is not possible to quantify their impact on the Company's financial performance in the second half of the financial year. Consequently, guidance on expectations for the Company's financial performance for the year ending 31 May 2021 and the year ending 31 May 2022 continues to be withdrawn. Announcement • Jan 07
Ian Smith to Retire as CEO of Time Finance plc at the End of 2021 Time Finance plc announced that following recent discussions between the directors, the Company's principal shareholders, and Ian Smith, its Chief Executive Officer ("CEO"), it has been decided that, following the recent re-branding of the Group to Time Finance and the successful leadership of the Group through the impact of the Covid-19 pandemic to date and given Ian's intention in any event to retire at the end of 2021, now is an appropriate time for Ian to step down from the role of CEO of the Group. Ian will leave the Group's employment and cease to be a director of the Company once a suitable successor is appointed. Announcement • Jan 06
Time Finance plc Announces Board Changes Time Finance plc announces the following directorate changes. John Newman, Non-Executive Chairman of the Company, has informed the Board of his intention to retire. As part of a succession plan already agreed by the Board and currently in progress, he will step down on appointment of his successor. In addition, following recent discussions between the directors, the Company's principal shareholders, and Ian Smith, its Chief Executive Officer ("CEO"), it has been decided that, following the recent re-branding of the Group to Time Finance and the successful leadership of the Group through the impact of the Covid-19 pandemic to date and given Ian's intention in any event to retire at the end of 2021, now is an appropriate time for Ian to step down from the role of CEO of the Group. Ian will leave the Group's employment and cease to be a director of the Company once a suitable successor is appointed. Is New 90 Day High Low • Dec 31
New 90-day high: UK£0.26 The company is up 63% from its price of UK£0.16 on 02 October 2020. The British market is up 12% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Diversified Financial industry, which is up 14% over the same period. Is New 90 Day High Low • Nov 12
New 90-day high: UK£0.20 The company is up 24% from its price of UK£0.17 on 14 August 2020. The British market is up 3.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Diversified Financial industry, which is up 3.0% over the same period. 
