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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Time FinanceLSE:TIME +0.87%48 Equity-to-Asset is 0.31 as of Nov. 2025, which is 9% below its 10-year median of 0.34. GuruFocus rates LSE:TIME with a GF Score™ of 48/100 and a GF Value™ of £0.54 (Fairly Valued). The stock has 6 warning signs investors should review. Among 551 Credit Services companies, Time Finance ranks worse than 57.17% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Time Finance's Total Stockholders Equity for the quarter that ended in Nov. 2025 was £74.95 Mil. Time Finance's Total Assets for the quarter that ended in Nov. 2025 was £244.96 Mil.
Therefore, Time Finance's Equity to Asset Ratio for the quarter that ended in Nov. 2025 was 0.31.
The historical rank and industry rank for Time Finance's Equity-to-Asset or its related term are showing as below:
LSE:TIME'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.26 Med: 0.34 Max: 0.42
Current: 0.31
During the past 13 years, the highest Equity to Asset Ratio of Time Finance was 0.42. The lowest was 0.26. And the median was 0.34.
LSE:TIME's Equity-to-Asset is ranked worse than 57.17% of 551
companies
in the Credit Services industry
Industry Median: 0.4
vs LSE:TIME: 0.31
Time Finance (LSE:TIME) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Time Finance Equity-to-Asset Related Terms
Time Finance Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Time Finance's Equity-to-Asset 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: Equity-to-Asset Comparison
For the Credit Services subindustry, Time Finance's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Time Finance's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Time Finance's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Time Finance's Equity to Asset Ratio 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 Equity-to-Asset of 0.31 as of Nov. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Time Finance and its competitors. This is near median its historical median of 0.34. Over the past decade, Time Finance's Equity-to-Asset has ranged from 0.26 to 0.42. According to the industry distribution chart, Time Finance ranks #315 out of 551 companies in the Credit Services industry, placing it in the top 57.2%.
Is Time Finance's Equity-to-Asset too high?
Time Finance's current Equity-to-Asset of 0.31 is near median its 10-year median of 0.34. Over the past 10 years, this metric has ranged from a low of 0.26 to a high of 0.42. The Credit Services industry median Equity-to-Asset is 0.40. Time Finance's value of 0.31 is 22.5% below this industry median. Based on the distribution chart, Time Finance ranks #315 out of 551 companies in the Credit Services industry, which is below the industry midpoint. 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 Equity-to-Asset compare to V and MA?
According to the Credit Services industry distribution chart, Time Finance ranks #315 out of 551 companies for Equity-to-Asset. This places Time Finance in the lower half of its industry. The industry median Equity-to-Asset is 0.40. Time Finance's value of 0.31 is 22.5% below this benchmark. Historically, Time Finance's own Equity-to-Asset has ranged from 0.26 to 0.42 over the past decade. While the company's 10-year median is 0.34 vs. the industry median of 0.40, 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 Equity-to-Asset for a Credit Services company?
The median Equity-to-Asset among Credit Services companies is 0.40, based on 551 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Time Finance's current Equity-to-Asset of 0.31 is 22.5% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Time Finance and its competitors. For the Credit Services industry, the median Equity-to-Asset is 0.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Time Finance's current Equity-to-Asset is 0.31, which is near median its own 10-year median of 0.34. 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 £0.58 — trading 7.4% above its estimated fair value. The current Equity-to-Asset is 0.31, which is near median its 10-year median of 0.34 and 22.5% below the Credit Services industry median of 0.40. Time Finance's overall GF Score™ is 48/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Time Finance (LSE:TIME), the current Equity-to-Asset is 0.31 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 overvalued.
The current stock price of £0.58 is trading 7.4% above its estimated GF Value™ of £0.54.
GuruFocus considers Time Finance to be Fairly Valued.
Key valuation signals for LSE:TIME:
Equity-to-Asset: 0.31 (near median its 10-year median of 0.34)
GF Value™: £0.54 vs. price of £0.58 (7.4% above fair value)
Industry Position: 22.5% below the Credit Services median (#315 of 551)
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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Equity-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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