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Time FinanceLSE:TIME +0.98%48 Earnings Yield (Joel Greenblatt) % is 0.00% as of Nov. 2025. GuruFocus rates LSE:TIME with a GF Score™ of 48/100 and a GF Value™ of £0.54 (Fairly Valued). The stock has 3 warning signs investors should review. Among 548 Credit Services companies, Time Finance ranks better than 95.99% on this metric.
Time Finance's Enterprise Value for the quarter that ended in Nov. 2025 was £41.68 Mil.
Time Finance's EBIT for the trailing twelve months (TTM) ended in Nov. 2025 was £8.59 Mil. Time Finance's Earnings Yield (Joel Greenblatt) for the quarter that ended in Nov. 2025 was 0.00%.
The historical rank and industry rank for Time Finance's Earnings Yield (Joel Greenblatt) % or its related term are showing as below:
LSE:TIME'
s Earnings Yield (Joel Greenblatt) % Range Over the Past 10 Years
Min: 5.9 Med: 13.54 Max: 58.22
Current: 18.82
During the past 13 years, the highest Earnings Yield (Joel Greenblatt) of Time Finance was 58.22%. The lowest was 5.90%. And the median was 13.54%.
LSE:TIME's Earnings Yield (Joel Greenblatt) % is ranked better than 95.99% of 548
companies
in the Credit Services industry
Industry Median: 1.01
vs LSE:TIME: 18.82
Joel Greenblatt's definition of earnings yield has the same problems the regular earnings yield does. It does not consider the growth of the company. It only looks at one-year's business operation. For cyclical companies, the earnings yield is usually highest at the peak of the business cycle. But these earnings are rarely sustainable.
A better indicator of the attractiveness of an investment which takes growth into account is the Forward Rate of Return (Yacktman) %. Time Finance's Forward Rate of Return (Yacktman) % for the quarter that ended in Nov. 2025 was 0.00%. The Forward Rate of Return uses the normalized Free Cash Flow of the past five years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.
Time Finance (LSE:TIME) Earnings Yield (Joel Greenblatt) % Explanation
Joel Greenblatt defines the earnings yield using the above equation because it more accurately reflects the company's profitability relative to its stock price. Items like interest payment and tax etc. are not directly related to the company's operational profitability.
Enterprise Value instead of market cap (share price) is used in the calculation because it is the real price stock and bond investors together pay for the company.
Be Aware
Joel Greenblatt's definition of earnings yield has the same problems the regular earnings yield does. It does not consider the growth of the company. It only looks at one-year's business operation. For cyclical companies, the earnings yield is usually highest at the peak of the business cycle. But these earnings are rarely sustainable.
Time Finance Earnings Yield (Joel Greenblatt) % Related Terms
Time Finance Earnings Yield (Joel Greenblatt) % Historical Data
* Premium members only.
The historical data trend for Time Finance's Earnings Yield (Joel Greenblatt) % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Time Finance Earnings Yield (Joel Greenblatt) % Chart
For the Credit Services subindustry, Time Finance's Earnings Yield (Joel Greenblatt) %, along with its competitors' market caps and Earnings Yield (Joel Greenblatt) % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Time Finance Earnings Yield (Joel Greenblatt) % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Time Finance's Earnings Yield (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where Time Finance's Earnings Yield (Joel Greenblatt) % falls into.
Time Finance Earnings Yield (Joel Greenblatt) % Calculation
In his book, The Little That Beat the Market, hedge fund manager Joel Greenblatt defines Earnings Yield as operating income divided by enterprise value.
Time Finances Earnings Yield (Joel Greenblatt) for the fiscal year that ended in May. 2025 is calculated as
For company reported semi-annually or annually, GuruFocus only calculate annual data for Earnings Yield (Joel Greenblatt) and apply the annual figure to corresponding quarter.
What does a Earnings Yield (Joel Greenblatt) % of 0.00% mean?
Time Finance (LSE:TIME) has a Earnings Yield (Joel Greenblatt) % of 0.00% as of Nov. 2025. Joel Greenblatt's earnings yield equals the ratio of earnings before interest and taxes to enterprise value. View historical data on Time Finance and its competitors. Over the past decade, Time Finance's Earnings Yield (Joel Greenblatt) % has ranged from 5.90 to 58.22. According to the industry distribution chart, Time Finance ranks #22 out of 548 companies in the Credit Services industry, placing it in the top 4%.
Is Time Finance's Earnings Yield (Joel Greenblatt) % too high?
Time Finance's current Earnings Yield (Joel Greenblatt) % is 0.00%. Over the past 10 years, this metric has ranged from a low of 5.90 to a high of 58.22. Based on the distribution chart, Time Finance ranks #22 out of 548 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Time Finance has a GF Score™ of 48/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Time Finance's Earnings Yield (Joel Greenblatt) % compare to V and MA?
According to the Credit Services industry distribution chart, Time Finance ranks #22 out of 548 companies for Earnings Yield (Joel Greenblatt) %. This places Time Finance in the top 4% of its industry — outperforming the majority of peers. The industry median Earnings Yield (Joel Greenblatt) % is 1.01. Historically, Time Finance's own Earnings Yield (Joel Greenblatt) % has ranged from 5.90 to 58.22 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Earnings Yield (Joel Greenblatt) % for a Credit Services company?
The median Earnings Yield (Joel Greenblatt) % among Credit Services companies is 1.01, based on 548 companies in the industry. Companies in the top quartile (top 25%) have a Earnings Yield (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, Earnings Yield (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Earnings Yield (Joel Greenblatt) % mean?
A high Earnings Yield (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's earnings yield equals the ratio of earnings before interest and taxes to enterprise value. View historical data on Time Finance and its competitors. For the Credit Services industry, the median Earnings Yield (Joel Greenblatt) % is 1.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Time Finance's current Earnings Yield (Joel Greenblatt) % is 0.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Time Finance stock overvalued right now?
Based on GuruFocus' analysis, Time Finance (LSE:TIME) is currently considered Fairly Valued. The stock's GF Value™ is £0.54, compared to a current price of £0.52 — trading 4.6% below its estimated fair value. The current Earnings Yield (Joel Greenblatt) % is 0.00%. Time Finance's overall GF Score™ is 48/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Earnings Yield (Joel Greenblatt) % calculated?
Earnings Yield (Joel Greenblatt) % is calculated from a company's financial statements. For Time Finance (LSE:TIME), the current Earnings Yield (Joel Greenblatt) % is 0.00% as of Nov. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Time Finance (LSE:TIME) Overvalued in 2026?
Based on GuruFocus' analysis, Time Finance stock appears to be undervalued.
The current stock price of £0.52 is trading 4.6% below its estimated GF Value™ of £0.54.
GuruFocus considers Time Finance to be Fairly Valued.
Key valuation signals for LSE:TIME:
Earnings Yield (Joel Greenblatt) %: 0.00%
GF Value™: £0.54 vs. price of £0.52 (4.6% below fair value)
No single metric tells the full story. See the LSE:TIME stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Time Finance PLC is a part of the financial services domain in the United Kingdom. The company's principal business involves the provision of financial services to SMEs (small and medium-sized enterprises) in the United Kingdom. The company operates in Asset Finance and Invoice Finance. It generates maximum of the maximum revenue from the Asset Finance division.
48GF Score
Get the complete analysis for LSE:TIME
Earnings Yield (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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