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Time FinanceLSE:TIME 48 EV-to-EBIT is 4.98 as of Jul. 29, 2026, which is 33% below its 10-year median of 7.39. GuruFocus rates LSE:TIME with a GF Score™ of 48/100 and a GF Value™ of £0.54 (Fairly Valued). The stock has 3 warning signs investors should review. Among 313 Credit Services companies, Time Finance ranks better than 90.42% on this metric.
This is a more accurate valuation of companies' operation because it considers the debt and cash on its balance sheet, and non-operating items such as interest payment, tax, and one-time items are not included in the Operating Income.
Time Finance's Enterprise Value for the quarter that ended in Nov. 2025 was £41.68 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Time Finance's EBIT for the trailing twelve months (TTM) ended in Nov. 2025 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.
Time Finance EV-to-EBIT Related Terms
Time Finance EV-to-EBIT Historical Data
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The historical data trend for Time Finance's EV-to-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.
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.
Time Finance's current Enterprise Value is £42.78 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Time Finance's EBIT for the trailing twelve months (TTM) ended in Nov. 2025 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.
Time Finance (LSE:TIME) has a EV-to-EBIT of 4.98 as of Jul. 29, 2026. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Time Finance and its competitors. This is 33% below median its historical median of 7.39. Over the past decade, Time Finance's EV-to-EBIT has ranged from 1.72 to 16.95. According to the industry distribution chart, Time Finance ranks #30 out of 313 companies in the Credit Services industry, placing it in the top 9.6%.
Is Time Finance's EV-to-EBIT too high?
Time Finance's current EV-to-EBIT of 4.98 is 33% below median its 10-year median of 7.39. Over the past 10 years, this metric has ranged from a low of 1.72 to a high of 16.95. The Credit Services industry median EV-to-EBIT is 23.13. Time Finance's value of 4.98 is 78.5% below this industry median. Based on the distribution chart, Time Finance ranks #30 out of 313 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 EV-to-EBIT compare to V and MA?
According to the Credit Services industry distribution chart, Time Finance ranks #30 out of 313 companies for EV-to-EBIT. This places Time Finance in the top 10% of its industry — outperforming the majority of peers. The industry median EV-to-EBIT is 23.13. Time Finance's value of 4.98 is 78.5% below this benchmark. Historically, Time Finance's own EV-to-EBIT has ranged from 1.72 to 16.95 over the past decade. While the company's 10-year median is 7.39 vs. the industry median of 23.13, Time Finance has consistently been below 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 EV-to-EBIT for a Credit Services company?
The median EV-to-EBIT among Credit Services companies is 23.13, based on 313 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBIT significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Time Finance's current EV-to-EBIT of 4.98 is 78.5% below 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 EV-to-EBIT mean?
A high EV-to-EBIT can signal that a stock is expensive relative to its fundamentals. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Time Finance and its competitors. For the Credit Services industry, the median EV-to-EBIT is 23.13 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Time Finance's current EV-to-EBIT is 4.98, which is 33% below median its own 10-year median of 7.39. 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 8% below its estimated fair value. The current EV-to-EBIT is 4.98, which is 33% below median its 10-year median of 7.39 and 78.5% below the Credit Services industry median of 23.13. Time Finance's overall GF Score™ is 48/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBIT calculated?
EV-to-EBIT is calculated from a company's financial statements. For Time Finance (LSE:TIME), the current EV-to-EBIT is 4.98 as of Jul. 29, 2026. 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 8% below its estimated GF Value™ of £0.54.
GuruFocus considers Time Finance to be Fairly Valued.
Key valuation signals for LSE:TIME:
EV-to-EBIT: 4.98 (33% below median its 10-year median of 7.39)
GF Value™: £0.54 vs. price of £0.50 (8% below fair value)
Industry Position: 78.5% below the Credit Services median (#30 of 313)
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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