Think of Enterprise Value as the theoretical takeover price. It is more comprehensive than market capitalization (Market Cap), which only includes common equity. Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash, cash equivalents, and marketable securities.
EV-to-EBIT is calculated as Enterprise Value divided by its EBIT. As of today, Time Finance's Enterprise Value is £41.68 Mil.
Time Finance's EBIT for the trailing twelve months (TTM) ended in Nov. 2025 was £8.59 Mil. Therefore, Time Finance's EV-to-EBIT ratio for today is 4.85.
EV-to-EBITDA is calculated as Enterprise Value divided by its EBITDA. As of today, Time Finance's Enterprise Value is £41.68 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 ratio for today is 4.55.
EV-to-Revenue is calculated as Enterprise Value divided by its Revenue. As of today, Time Finance's Enterprise Value is £41.68 Mil.
Time Finance's Revenue for the trailing twelve months (TTM) ended in Nov. 2025 was £37.83 Mil. Therefore, Time Finance's EV-to-Revenue ratio for today is 1.10.
EV-to-FCF is calculated as Enterprise Value divided by its Free Cash Flow. As of today, Time Finance's Enterprise Value is £41.68 Mil.
Time Finance's Free Cash Flow for the trailing twelve months (TTM) ended in Nov. 2025 was £1.21 Mil. Therefore, Time Finance's EV-to-FCF ratio for today is 34.50.
*** Please note that the current Enterprise Value is calculated using the current market capitalization and the most recently available financial data. If key financial fields—Long-Term Debt & Capital Lease Obligation and Short-Term Debt & Capital Lease Obligation—are recorded as null in the latest reporting period, our data vendor will default to using data from the prior period with valid entries.
Time Finance (LSE:TIME) Enterprise Value Explanation
When an investor buy a company, the investor needs to pay not only the common shares, he/she also needs to pay the shareholders of Preferred Stocks. He also assumes the debt of the company, and receives the cash on the company's balance sheet.
If a company has more cash than debt, the investor actually pays less than the Market Cap because he immediately owns the cash once the transaction goes through.
The market value of Preferred Stock needs to be added to the market value of common stocks in the calculation of Enterprise Value.
For the companies with the same Market Cap, the smaller the Enterprise Value is, the cheaper the company is.
Enterprise Value can be negative when the company's net cash is more than its Market Cap. In this case the investor is basically getting the company for free and get paid for that.
1. EV-to-EBIT is calculated as Enterprise Value divided by its EBIT.
Time Finance's current Enterprise Value is £41.68 Mil.
For company reported semi-annually or 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.
2. EV-to-EBITDA is calculated as Enterprise Value divided by its EBITDA.
Time Finance's current Enterprise Value is £41.68 Mil.
For company reported semi-annually or 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.
Time Finance's current Enterprise Value is £41.68 Mil.
For company reported semi-annually or annually, GuruFocus uses latest annual data as the TTM data. Time Finance's Revenue for the trailing twelve months (TTM) ended in Nov. 2025 was £37.83 Mil.
Time Finance's current Enterprise Value is £41.68 Mil.
For company reported semi-annually or 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.
Time Finance's current Enterprise Value is £41.68 Mil.
For company reported semi-annually or annually, GuruFocus uses latest annual data as the TTM data. Time Finance's Free Cash Flow for the trailing twelve months (TTM) ended in Nov. 2025 was £1.21 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 Enterprise Value Related Terms
Time Finance Enterprise Value Historical Data
* Premium members only.
The historical data trend for Time Finance's Enterprise Value 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: Enterprise Value Comparison
For the Credit Services subindustry, Time Finance's Enterprise Value, along with its competitors' market caps and Enterprise Value 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 Enterprise Value vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Time Finance's Enterprise Value distribution charts can be found below:
* The bar in red indicates where Time Finance's Enterprise Value falls into.
Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash, cash equivalents, and marketable securities.
Time Finance's Enterprise Value for the fiscal year that ended in May. 2025 is calculated as
* 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 Enterprise Value of £41.68 Mil as of Jun. 27, 2026. Enterprise value equals the sum of market cap, debt and preferred shares less cash and equivalents. View historical data on Time Finance and its competitors.
Is Time Finance's Enterprise Value too high?
Time Finance's current Enterprise Value is £41.68 Mil. Overall, Time Finance has a GF Score™ of 49/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Time Finance's Enterprise Value compare to V and MA?
Time Finance's Enterprise Value of £41.68 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Enterprise Value for a Credit Services company?
A good Enterprise Value depends on the Credit Services industry context. However, Enterprise Value 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 Enterprise Value mean?
A high Enterprise Value can signal that a stock is expensive relative to its fundamentals. Enterprise value equals the sum of market cap, debt and preferred shares less cash and equivalents. View historical data on Time Finance and its competitors. Time Finance's current Enterprise Value is £41.68 Mil. 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 Modestly Undervalued. The stock's GF Value™ is £0.54, compared to a current price of £0.49 — trading 10.2% below its estimated fair value. The current Enterprise Value is £41.68 Mil. 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 Enterprise Value calculated?
Enterprise Value is calculated from a company's financial statements. For Time Finance (LSE:TIME), the current Enterprise Value is £41.68 Mil as of Jun. 27, 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 £0.49 is trading 10.2% below its estimated GF Value™ of £0.54.
GuruFocus considers Time Finance to be Modestly Undervalued.
Key valuation signals for LSE:TIME:
Enterprise Value: £41.68 Mil
GF Value™: £0.54 vs. price of £0.49 (10.2% 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.
49GF Score
Get the complete analysis for LSE:TIME
Enterprise Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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