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Time FinanceLSE:TIME 48 EV-to-EBITDA is 4.67 as of Jul. 30, 2026, which is 24% below its 10-year median of 6.13. 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 327 Credit Services companies, Time Finance ranks better than 90.52% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, Time Finance's enterprise value is £42.78 Mil.
Time Finance's EBITDA for the trailing twelve months (TTM) ended in Nov. 2025 was £9.16 Mil. Therefore, Time Finance's EV-to-EBITDA for today is 4.67.
The historical rank and industry rank for Time Finance's EV-to-EBITDA or its related term are showing as below:
LSE:TIME'
s EV-to-EBITDA Range Over the Past 10 Years
Min: 1.57 Med: 6.13 Max: 12.62
Current: 4.67
During the past 13 years, the highest EV-to-EBITDA of Time Finance was 12.62. The lowest was 1.57. And the median was 6.13.
LSE:TIME's EV-to-EBITDA is ranked better than 90.52% of 327
companies
in the Credit Services industry
Industry Median: 20.82
vs LSE:TIME: 4.67
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
The "classic" EV-to-EBITDA is much better in capturing debt and net cash than the PE Ratio (TTM).
Time Finance (LSE:TIME) EV-to-EBITDA Explanation
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Time Finance's PE Ratio (TTM) for today is calculated as:
Time Finance's share price for today is £0.497.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Time Finance's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Nov. 2025 was £0.066.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
The historical data trend for Time Finance's EV-to-EBITDA 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-EBITDA, along with its competitors' market caps and EV-to-EBITDA 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-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Time Finance's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Time Finance's EV-to-EBITDA 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 EBITDA for the trailing twelve months (TTM) ended in Nov. 2025 was £9.16 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-EBITDA of 4.67 as of Jul. 30, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Time Finance. This is 24% below median its historical median of 6.13. Over the past decade, Time Finance's EV-to-EBITDA has ranged from 1.57 to 12.62. According to the industry distribution chart, Time Finance ranks #31 out of 327 companies in the Credit Services industry, placing it in the top 9.5%.
Is Time Finance's EV-to-EBITDA too high?
Time Finance's current EV-to-EBITDA of 4.67 is 24% below median its 10-year median of 6.13. Over the past 10 years, this metric has ranged from a low of 1.57 to a high of 12.62. The Credit Services industry median EV-to-EBITDA is 20.82. Time Finance's value of 4.67 is 77.6% below this industry median. Based on the distribution chart, Time Finance ranks #31 out of 327 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-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Time Finance ranks #31 out of 327 companies for EV-to-EBITDA. This places Time Finance in the top 10% of its industry — outperforming the majority of peers. The industry median EV-to-EBITDA is 20.82. Time Finance's value of 4.67 is 77.6% below this benchmark. Historically, Time Finance's own EV-to-EBITDA has ranged from 1.57 to 12.62 over the past decade. While the company's 10-year median is 6.13 vs. the industry median of 20.82, 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-EBITDA for a Credit Services company?
The median EV-to-EBITDA among Credit Services companies is 20.82, based on 327 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Time Finance's current EV-to-EBITDA of 4.67 is 77.6% 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-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Time Finance. For the Credit Services industry, the median EV-to-EBITDA is 20.82 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Time Finance's current EV-to-EBITDA is 4.67, which is 24% below median its own 10-year median of 6.13. 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-EBITDA is 4.67, which is 24% below median its 10-year median of 6.13 and 77.6% below the Credit Services industry median of 20.82. 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-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For Time Finance (LSE:TIME), the current EV-to-EBITDA is 4.67 as of Jul. 30, 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-EBITDA: 4.67 (24% below median its 10-year median of 6.13)
GF Value™: £0.54 vs. price of £0.50 (8% below fair value)
Industry Position: 77.6% below the Credit Services median (#31 of 327)
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
EV-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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