Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
During the past 12 months, Time Finance's average EBITDA Per Share Growth Rate was 15.10% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was 58.20% per year.
During the past 5 years, the average EBITDA Per Share Growth Rate was 25.80% per year.
During the past 10 years, the average EBITDA Per Share Growth Rate was -1.80% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
During the past 13 years, the highest 3-Year average EBITDA Per Share Growth Rate of Time Finance was 58.20% per year. The lowest was -36.10% per year. And the median was 20.30% per year.
Time Finance (LSE:TIME) 5-Year EBITDA Growth Rate Explanation
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
5-Year EBITDA Growth Rate gives an overview of the company's growth in operating profitability and is an important factor used in calculating Peter Lynch Fair Value.
Time Finance 5-Year EBITDA Growth Rate Related Terms
LSE:TIME vs V, MA, AXP: 5-Year EBITDA Growth Rate Comparison
For the Credit Services subindustry, Time Finance's 5-Year EBITDA Growth Rate, along with its competitors' market caps and 5-Year EBITDA Growth Rate 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 5-Year EBITDA Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Time Finance's 5-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where Time Finance's 5-Year EBITDA Growth Rate falls into.
Time Finance 5-Year EBITDA Growth Rate Calculation
This is the 5-year average growth rate of EBITDA per Share. The growth rate is calculated with least square regression.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
What does a 5-Year EBITDA Growth Rate of 25.80% mean?
Time Finance (LSE:TIME) has a 5-Year EBITDA Growth Rate of 25.80% as of Nov. 2025. 5-Year EBITDA Growth Rate is the 5-year average growth rate of EBITDA per share. View historical data for Time Finance and its competitors.
Is Time Finance's 5-Year EBITDA Growth Rate too high?
Time Finance's current 5-Year EBITDA Growth Rate is 25.80%. 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 5-Year EBITDA Growth Rate compare to V and MA?
Time Finance's 5-Year EBITDA Growth Rate of 25.80% 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 5-Year EBITDA Growth Rate for a Credit Services company?
A good 5-Year EBITDA Growth Rate depends on the Credit Services industry context. However, 5-Year EBITDA Growth Rate 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 5-Year EBITDA Growth Rate mean?
A high 5-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 5-Year EBITDA Growth Rate is the 5-year average growth rate of EBITDA per share. View historical data for Time Finance and its competitors. Time Finance's current 5-Year EBITDA Growth Rate is 25.80%. 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 £0.53 — trading 2.8% below its estimated fair value. The current 5-Year EBITDA Growth Rate is 25.80%. Time Finance's overall GF Score™ is 48/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year EBITDA Growth Rate calculated?
5-Year EBITDA Growth Rate is calculated from a company's financial statements. For Time Finance (LSE:TIME), the current 5-Year EBITDA Growth Rate is 25.80% 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 £0.53 is trading 2.8% below its estimated GF Value™ of £0.54.
GuruFocus considers Time Finance to be Fairly Valued.
Key valuation signals for LSE:TIME:
5-Year EBITDA Growth Rate: 25.80%
GF Value™: £0.54 vs. price of £0.53 (2.8% 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
5-Year EBITDA Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
LSE:TIME has been successfully added to your 
