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Time FinanceLSE:TIME 48 3-Year EBITDA Growth Rate is 58.20% as of Nov. 2025, which is 187% above its 10-year median of 20.30. GuruFocus rates LSE:TIME with a GF Score™ of 48/100 and a GF Value™ of £0.54 (Fairly Valued). The stock has 6 warning signs investors should review. Among 323 Credit Services companies, Time Finance ranks better than 88.85% on this metric.
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) 3-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.
Time Finance 3-Year EBITDA Growth Rate Related Terms
LSE:TIME vs V, MA, AXP: 3-Year EBITDA Growth Rate Comparison
For the Credit Services subindustry, Time Finance's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-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 3-Year EBITDA Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Time Finance's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where Time Finance's 3-Year EBITDA Growth Rate falls into.
Time Finance 3-Year EBITDA Growth Rate Calculation
This is the 3-year average growth rate of EBITDA per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
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 3-Year EBITDA Growth Rate of 58.20% mean?
Time Finance (LSE:TIME) has a 3-Year EBITDA Growth Rate of 58.20% as of Nov. 2025. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Time Finance and its competitors. This is 187% above median its historical median of 20.30. According to the industry distribution chart, Time Finance ranks #36 out of 323 companies in the Credit Services industry, placing it in the top 11.1%.
Is Time Finance's 3-Year EBITDA Growth Rate too high?
Time Finance's current 3-Year EBITDA Growth Rate of 58.20% is 187% above median its 10-year median of 20.30. The Credit Services industry median 3-Year EBITDA Growth Rate is 9.20. Time Finance's value of 58.20% is 532.6% above this industry median. Based on the distribution chart, Time Finance ranks #36 out of 323 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 3-Year EBITDA Growth Rate compare to V and MA?
According to the Credit Services industry distribution chart, Time Finance ranks #36 out of 323 companies for 3-Year EBITDA Growth Rate. This places Time Finance in the top 11% of its industry — outperforming the majority of peers. The industry median 3-Year EBITDA Growth Rate is 9.20. Time Finance's value of 58.20% is 532.6% above this benchmark. While the company's 10-year median is 20.30 vs. the industry median of 9.20, Time Finance has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EBITDA Growth Rate for a Credit Services company?
The median 3-Year EBITDA Growth Rate among Credit Services companies is 9.20, based on 323 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Time Finance's current 3-Year EBITDA Growth Rate of 58.20% is 532.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Time Finance and its competitors. For the Credit Services industry, the median 3-Year EBITDA Growth Rate is 9.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Time Finance's current 3-Year EBITDA Growth Rate is 58.20%, which is 187% above median its own 10-year median of 20.30. 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 3-Year EBITDA Growth Rate is 58.20%, which is 187% above median its 10-year median of 20.30 and 532.6% above the Credit Services industry median of 9.20. 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 3-Year EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For Time Finance (LSE:TIME), the current 3-Year EBITDA Growth Rate is 58.20% 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:
3-Year EBITDA Growth Rate: 58.20% (187% above median its 10-year median of 20.30)
GF Value™: £0.54 vs. price of £0.53 (2.8% below fair value)
Industry Position: 532.6% above the Credit Services median (#36 of 323)
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
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3-Year EBITDA Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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