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Time FinanceLSE:TIME +0.97%47 EV-to-OCF is 27.19 as of Aug. 10, 2026, which is 466% above its 10-year median of 4.80. GuruFocus rates LSE:TIME with a GF Score™ of 47/100 and a GF Value™ of £0.54 (Fairly Valued). The stock has 6 warning signs investors should review. Among 545 Credit Services companies, Time Finance ranks worse than 83.49% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Time Finance's Enterprise Value is £44.89 Mil.
Time Finance's Cash Flow from Operations for the trailing twelve months (TTM) ended in Nov. 2025 was £1.65 Mil. Therefore, Time Finance's EV-to-OCF for today is 27.19.
The historical rank and industry rank for Time Finance's EV-to-OCF or its related term are showing as below:
LSE:TIME'
s EV-to-OCF Range Over the Past 10 Years
Min: -349.91 Med: 4.8 Max: 28.38
Current: 27.19
During the past 13 years, the highest EV-to-OCF of Time Finance was 28.38. The lowest was -349.91. And the median was 4.80.
LSE:TIME's EV-to-OCF is ranked worse than 83.49% of 545
companies
in the Credit Services industry
Industry Median: -1.03
vs LSE:TIME: 27.19
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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 £0.52.
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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Time Finance EV-to-OCF Related Terms
Time Finance EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Time Finance's EV-to-OCF 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-OCF, along with its competitors' market caps and EV-to-OCF 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-OCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Time Finance's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Time Finance's EV-to-OCF falls into.
Time Finance's current Enterprise Value is £44.89 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Time Finance's Cash Flow from Operations for the trailing twelve months (TTM) ended in Nov. 2025 was £1.65 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-OCF of 27.19 as of Aug. 10, 2026. This is 466% above median its historical median of 4.80. According to the industry distribution chart, Time Finance ranks #455 out of 545 companies in the Credit Services industry, placing it in the top 83.5%.
Is Time Finance's EV-to-OCF too high?
Time Finance's current EV-to-OCF of 27.19 is 466% above median its 10-year median of 4.80. Based on the distribution chart, Time Finance ranks #455 out of 545 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Time Finance has a GF Score™ of 47/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Time Finance's EV-to-OCF compare to V and MA?
According to the Credit Services industry distribution chart, Time Finance ranks #455 out of 545 companies for EV-to-OCF. This places Time Finance in the lower half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Credit Services company?
A good EV-to-OCF depends on the Credit Services industry context. However, EV-to-OCF 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. Time Finance's current EV-to-OCF is 27.19, which is 466% above median its own 10-year median of 4.80. 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 £0.52 — trading 3.7% below its estimated fair value. The current EV-to-OCF is 27.19, which is 466% above median its 10-year median of 4.80. Time Finance's overall GF Score™ is 47/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Time Finance (LSE:TIME), the current EV-to-OCF is 27.19 as of Aug. 10, 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 £0.52 is trading 3.7% below its estimated GF Value™ of £0.54.
GuruFocus considers Time Finance to be Fairly Valued.
Key valuation signals for LSE:TIME:
EV-to-OCF: 27.19 (466% above median its 10-year median of 4.80)
GF Value™: £0.54 vs. price of £0.52 (3.7% below fair value)
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.
47GF Score
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EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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