Time FinanceLSE:TIME +4.17%49 EBITDA Margin % is 25.83% as of Nov. 2025, which is 19% above its 10-year median of 21.67. 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. Among 414 Credit Services companies, Time Finance ranks better than 53.38% on this metric.
EBITDA Margin % is calculated as EBITDA divided by its Revenue. Time Finance's EBITDA for the
six
months ended in Nov. 2025 was £4.86 Mil. Time Finance's Revenue for the
six
months ended in Nov. 2025 was £18.82 Mil. Therefore, Time Finance's EBITDA margin for the quarter that ended in Nov. 2025 was 25.83%.
Time Finance (LSE:TIME) EBITDA Margin % Explanation
EBITDA Margin % is the ratio of EBITDA divided by net sales or Revenue. It is an performance metric measuring company's operating profitability. EBITDA Margin takes depreciation and amortization, interest expense and tax into account, which makes it easy to compare the relative profitability of companies of different sizes in the same industry.
Time Finance EBITDA Margin % Related Terms
Time Finance EBITDA Margin % Historical Data
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The historical data trend for Time Finance's EBITDA Margin % 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.
LSE:TIME vs V, MA, AXP: EBITDA Margin % Comparison
For the Credit Services subindustry, Time Finance's EBITDA Margin %, along with its competitors' market caps and EBITDA Margin % 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 EBITDA Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Time Finance's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where Time Finance's EBITDA Margin % falls into.
* 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 (LSE:TIME) has a EBITDA Margin % of 25.83% as of Nov. 2025. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Time Finance and its competitors. This is 19% above median its historical median of 21.67. Over the past decade, Time Finance's EBITDA Margin % has ranged from 9.92 to 30.06. According to the industry distribution chart, Time Finance ranks #193 out of 414 companies in the Credit Services industry, placing it in the top 46.6%.
Is Time Finance's EBITDA Margin % too high?
Time Finance's current EBITDA Margin % of 25.83% is 19% above median its 10-year median of 21.67. Over the past 10 years, this metric has ranged from a low of 9.92 to a high of 30.06. The Credit Services industry median EBITDA Margin % is 20.91. Time Finance's value of 25.83% is 23.5% above this industry median. Based on the distribution chart, Time Finance ranks #193 out of 414 companies in the Credit Services industry, which is above the industry midpoint. 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 EBITDA Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Time Finance ranks #193 out of 414 companies for EBITDA Margin %. This puts Time Finance in the upper half of its industry. The industry median EBITDA Margin % is 20.91. Time Finance's value of 25.83% is 23.5% above this benchmark. Historically, Time Finance's own EBITDA Margin % has ranged from 9.92 to 30.06 over the past decade. While the company's 10-year median is 21.67 vs. the industry median of 20.91, 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 EBITDA Margin % for a Credit Services company?
The median EBITDA Margin % among Credit Services companies is 20.91, based on 414 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA Margin % significantly above this median, while those in the bottom quartile fall well below. However, EBITDA Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Time Finance's current EBITDA Margin % of 25.83% is 23.5% 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 EBITDA Margin % mean?
A high EBITDA Margin % can signal that a stock is expensive relative to its fundamentals. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Time Finance and its competitors. For the Credit Services industry, the median EBITDA Margin % is 20.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Time Finance's current EBITDA Margin % is 25.83%, which is 19% above median its own 10-year median of 21.67. 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 EBITDA Margin % is 25.83%, which is 19% above median its 10-year median of 21.67 and 23.5% above the Credit Services industry median of 20.91. 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 EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For Time Finance (LSE:TIME), the current EBITDA Margin % is 25.83% 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:
EBITDA Margin %: 25.83% (19% above median its 10-year median of 21.67)
GF Value™: £0.54 vs. price of £0.50 (7.4% below fair value)
Industry Position: 23.5% above the Credit Services median (#193 of 414)
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.
49GF Score
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EBITDA Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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