Time Finance (LSE:TIME) EBIT: £8.59 Mil (TTM As of Nov. 2025)


LSE:TIME Time Finance PLC LSE:TIME
49 GF Score
Price £0.50
GF Value £0.54
Valuation Fairly Valued
! 3 Warning Signs
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What is Time Finance EBIT?

Time Finance LSE:TIME +4.17% 49 EBIT is £8.59 Mil as of Nov. 2025. GuruFocus rates LSE:TIME with a GF Score™ of 49/100 and a GF Value™ of £0.54 (Fairly Valued). The stock has 3 warning signs investors should review.

Time Finance's earnings before interest and taxes (EBIT) for the six months ended in Nov. 2025 was £4.52 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Nov. 2025 was £8.59 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. Time Finance's annualized ROC % for the quarter that ended in Nov. 2025 was 4.38%. Time Finance's annualized ROC (Joel Greenblatt) % for the quarter that ended in Nov. 2025 was 28.15%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. Time Finance's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Nov. 2025 was 19.95%.

Time Finance  (LSE:TIME) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

Time Finance's annualized ROC % for the quarter that ended in Nov. 2025 is calculated as:

ROC % (Q: Nov. 2025 )
=NOPAT/Average Invested Capital
=Operating Income * ( 1 - Tax Rate % )/( (Invested Capital (Q: May. 2025 ) + Invested Capital (Q: Nov. 2025 ))/ count )
=8.642 * ( 1 - 25% )/( (141.034 + 154.898)/ 2 )
=6.4815/147.966
=4.38 %

where

Invested Capital(Q: May. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=230.341 - 84.337 - ( 4.97 - max(0, 85.061 - 121.492+4.97))
=141.034

Invested Capital(Q: Nov. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=244.961 - 86.428 - ( 3.635 - max(0, 86.983 - 127.713+3.635))
=154.898

Note: The Operating Income data used here is two times the semi-annual (Nov. 2025) data.

2. Joel Greenblatt's definition of Return on Capital:

Time Finance's annualized ROC (Joel Greenblatt) % for the quarter that ended in Nov. 2025 is calculated as:

ROC (Joel Greenblatt) %(Q: Nov. 2025 )
=EBIT/Average of (Net fixed Assets + Net Working Capital)
=EBIT/Average of (Property, Plant and Equipment+Net Working Capital)
     Q: May. 2025  Q: Nov. 2025
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=9.034/( ( (2.114 + max(23.423, 0)) + (1.158 + max(37.485, 0)) )/ 2 )
=9.034/( ( 25.537 + 38.643 )/ 2 )
=9.034/32.09
=28.15 %

where Working Capital is:

Working Capital(Q: May. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(107.782 + 0 + 0.12700000000001) - (84.337 + 0 + 0.149)
=23.423

Working Capital(Q: Nov. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(124.078 + 0 + -1.4210854715202E-14) - (86.428 + 0 + 0.16500000000001)
=37.485

When net working capital is negative, 0 is used.

Note: The EBIT data used here is two times the semi-annual (Nov. 2025) EBIT data.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

Time Finance's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Nov. 2025 )
=8.588/43.058
=19.95 %

* 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 EBIT Related Terms

Time Finance EBIT Historical Data

* Premium members only.

The historical data trend for Time Finance's EBIT 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 EBIT Chart

Time Finance Annual Data
Trend May16 May17 May18 May19 May20 May21 May22 May23 May24 May25
EBIT
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.27 1.66 4.23 6.12 8.24

Time Finance Semi-Annual Data
May16 Nov16 May17 Nov17 May18 Nov18 May19 Nov19 May20 Nov20 May21 Nov21 May22 Nov22 May23 Nov23 May24 Nov24 May25 Nov25
EBIT Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2.77 3.35 4.17 4.07 4.52

LSE:TIME vs V, MA, AXP: EBIT Comparison

For the Credit Services subindustry, Time Finance's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Time Finance's EV-to-EBIT distribution charts can be found below:

* The bar in red indicates where Time Finance's EV-to-EBIT falls into.


LSE:TIME
49GF Score
Time Finance PLC LSE:TIME
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
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Time Finance EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT for the trailing twelve months (TTM) ended in Nov. 2025 adds up the semi-annually data reported by the company within the most recent 12 months, which was £8.59 Mil.

* 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.

Frequently Asked Questions Learn more about EBIT →
What does a EBIT of £8.59 Mil mean?
Time Finance (LSE:TIME) has a EBIT of £8.59 Mil as of Nov. 2025. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Time Finance.
Is Time Finance's EBIT too high?
Time Finance's current EBIT is £8.59 Mil. Overall, Time Finance has a GF Score™ of 49/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Time Finance's EBIT compare to V and MA?
Time Finance's EBIT of £8.59 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBIT for a Credit Services company?
A good EBIT depends on the Credit Services industry context. However, EBIT 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 EBIT mean?
A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Time Finance. Time Finance's current EBIT is £8.59 Mil. 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 £0.50 — trading 7.4% below its estimated fair value. The current EBIT is £8.59 Mil. Time Finance's overall GF Score™ is 49/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBIT calculated?
EBIT is calculated from a company's financial statements. For Time Finance (LSE:TIME), the current EBIT is £8.59 Mil 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 £0.50 is trading 7.4% below its estimated GF Value™ of £0.54. GuruFocus considers Time Finance to be Fairly Valued.

Key valuation signals for LSE:TIME:

  • EBIT: £8.59 Mil
  • GF Value™: £0.54 vs. price of £0.50 (7.4% below fair value)
  • GF Score™: 49/100 with 3 warning signs

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 Business Description

Address The Square, Lower Bristol Road, St James House, Bath, GBR, BA2 3BH
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.
49GF Score

Get the complete analysis for LSE:TIME

EBIT is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

£0.50
Price
£0.54
GF Value