Time Finance (LSE:TIME) EBITDA per Share: £0.10 (TTM As of Nov. 2025)


LSE:TIME Time Finance PLC LSE:TIME
49 GF Score
Price £0.51
GF Value £0.54
Valuation Fairly Valued
! 3 Warning Signs
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What is Time Finance EBITDA per Share?

Time Finance LSE:TIME +4.12% 49 EBITDA per Share is £0.10 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. Among 316 Credit Services companies, Time Finance ranks better than 89.24% on this metric.

Time Finance's EBITDA per Share for the six months ended in Nov. 2025 was £0.05. Its EBITDA per Share for the trailing twelve months (TTM) ended in Nov. 2025 was £0.10.

During the past 12 months, the average EBITDA per Share Growth Rate of Time Finance 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 EBITDA per Share growth rate using EBITDA per Share data.

The historical rank and industry rank for Time Finance's EBITDA per Share or its related term are showing as below:

LSE:TIME' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -36.1   Med: 20.3   Max: 58.2
Current: 58.2

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.

LSE:TIME's 3-Year EBITDA Growth Rate is ranked better than
89.24% of 316 companies
in the Credit Services industry
Industry Median: 9.3 vs LSE:TIME: 58.20

Time Finance's EBITDA for the six months ended in Nov. 2025 was £4.86 Mil.

During the past 12 months, the average EBITDA Growth Rate of Time Finance was 14.10% per year. During the past 3 years, the average EBITDA Growth Rate was 57.80% per year. During the past 5 years, the average EBITDA Growth Rate was 26.80% per year. During the past 10 years, the average EBITDA Growth Rate was 6.10% 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 EBITDA Growth Rate using EBITDA data.

During the past 13 years, the highest 3-Year average EBITDA Growth Rate of Time Finance was 118.40% per year. The lowest was -36.90% per year. And the median was 43.50% per year.


Time Finance  (LSE:TIME) EBITDA per Share Explanation

EBITDA is a cash flow measure that ignores changes in working capital. EBITDA minus Depreciation, and Amortization (DA) equals EBIT. EBIT is profit before interest and taxes. Of course, Interest and taxes need to be paid.

While depreciation and amortization expenses do not need to be paid in cash, assets - especially tangible assets - do need to be replaced over time. EBITDA is not a measure of profit in any sense. EBITDA is a measure of cash generation by a business where the uses of that cash may be more or less discretionary depending on the nature of the business.

The EBITDA of a TV station is largely discretionary. Owners may use much of the EBITDA generated by a TV station as they see fit. The EBITDA of a railroad is largely non-discretionary. Owners must use much of the EBITDA generated by a railroad to replace the physical assets of the railroad or the business will literally fall apart over time.

EBITDA can be thought of as the cash a business generates that is available to:

Add more inventory
Add more receivables
Replace property, plant, and equipment
Add more property, plant, and equipment
Pay interest
Pay taxes
And finally: pay owners

EBITDA is widely used in financial analysis because Depreciation and Amortization are not present day cash expenses. Depreciation and amortization are the spreading out of the costs of assets over the time in which those assets provide benefits. Today's depreciation and amortization expenses relate to assets bought in the past. The assets being expensed may or may not need to be replaced in the future. And the cost to replace the assets may be more or less than it was in the past. For this reason, the depreciation and amortization expenses a company records in the present year may have no relationship to the actual cash costs needed to maintain its assets in future years.

A company's depreciation expense depends on both its expectations about the assets it owns and its choice of accounting methods. Two companies owning identical assets may have different depreciation expenses because they have different expectations about the useful lives of those assets and because they make different accounting choices.

Analysts use EBITDA to remove this element of personal choice from a company's accounting statements. The use of EBITDA is an attempt to make the results of different companies more comparable and uniform.


Be Aware

Although depreciation is not a cash cost, it is a real business cost because the company has to pay for the fixed assets when they purchase them. Both Warren Buffett and Charlie Munger hate the idea of EBITDA because in this calculation, depreciation is not counted as an expense.

EBITDA over Revenue is a good metric for comparing the operating efficiencies between companies because EBITDA is less vulnerable to companies' accounting choices. For this reason, EBITDA is used in ranking the Predictability of Companies.


Time Finance EBITDA per Share Related Terms


Time Finance EBITDA per Share Historical Data

* Premium members only.

The historical data trend for Time Finance's EBITDA per Share 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 EBITDA per Share Chart

Time Finance Annual Data
Trend May16 May17 May18 May19 May20 May21 May22 May23 May24 May25
EBITDA per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.03 0.02 0.05 0.07 0.10

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
EBITDA per Share 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 0.03 0.04 0.05 0.05 0.05
LSE:TIME
49GF Score
Time Finance PLC LSE:TIME
EBITDA per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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Time Finance EBITDA per Share Calculation

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's EBITDA per Share for the fiscal year that ended in May. 2025 is calculated as

EBITDA per Share(A: May. 2025 )
=EBITDA/Shares Outstanding (Diluted Average)
=8.77/92.513
=0.09

Time Finance's EBITDA per Share for the quarter that ended in Nov. 2025 is calculated as

EBITDA per Share(Q: Nov. 2025 )
=EBITDA/Shares Outstanding (Diluted Average)
=4.86/92.513
=0.05

EBITDA per Share 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 £0.10

* 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 EBITDA per Share →
What does a EBITDA per Share of £0.10 mean?
Time Finance (LSE:TIME) has a EBITDA per Share of £0.10 as of Nov. 2025. EBITDA per share is the per-share amount of earnings before interest, taxes, depreciation and amortization. View historical data on Time Finance and its competitors. According to the industry distribution chart, Time Finance ranks #34 out of 316 companies in the Credit Services industry, placing it in the top 10.8%.
Is Time Finance's EBITDA per Share too high?
Time Finance's current EBITDA per Share is £0.10. Based on the distribution chart, Time Finance ranks #34 out of 316 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 49/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Time Finance's EBITDA per Share compare to V and MA?
According to the Credit Services industry distribution chart, Time Finance ranks #34 out of 316 companies for EBITDA per Share. This places Time Finance in the top 11% of its industry — outperforming the majority of peers. The industry median EBITDA per Share is 9.30. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBITDA per Share for a Credit Services company?
The median EBITDA per Share among Credit Services companies is 9.30, based on 316 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA per Share significantly above this median, while those in the bottom quartile fall well below. However, EBITDA per Share 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 EBITDA per Share mean?
A high EBITDA per Share can signal that a stock is expensive relative to its fundamentals. EBITDA per share is the per-share amount of earnings before interest, taxes, depreciation and amortization. View historical data on Time Finance and its competitors. For the Credit Services industry, the median EBITDA per Share is 9.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Time Finance's current EBITDA per Share is £0.10. 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 £0.51 — trading 6.5% below its estimated fair value. The current EBITDA per Share is £0.10. 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 per Share calculated?
EBITDA per Share is calculated from a company's financial statements. For Time Finance (LSE:TIME), the current EBITDA per Share is £0.10 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 £0.51 is trading 6.5% below its estimated GF Value™ of £0.54. GuruFocus considers Time Finance to be Fairly Valued.

Key valuation signals for LSE:TIME:

  • EBITDA per Share: £0.10
  • GF Value™: £0.54 vs. price of £0.51 (6.5% 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

Other Exchanges B5D1:Germany
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

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

£0.51
Price
£0.54
GF Value