Time FinanceLSE:TIME +1.05%49 EV-to-FCF is 33.75 as of Jun. 30, 2026, which is 504% above its 10-year median of 5.59. GuruFocus rates LSE:TIME with a GF Score™ of 49/100 and a GF Value™ of £0.54 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 265 Credit Services companies, Time Finance ranks worse than 71.7% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Time Finance's Enterprise Value is £40.77 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 for today is 33.75.
The historical rank and industry rank for Time Finance's EV-to-FCF or its related term are showing as below:
LSE:TIME'
s EV-to-FCF Range Over the Past 10 Years
Min: -141.63 Med: 5.59 Max: 56.76
Current: 34.5
During the past 13 years, the highest EV-to-FCF of Time Finance was 56.76. The lowest was -141.63. And the median was 5.59.
LSE:TIME's EV-to-FCF is ranked worse than 71.7% of 265
companies
in the Credit Services industry
Industry Median: 12.99
vs LSE:TIME: 34.50
EV-to-FCF 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-FCF 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 £0.48.
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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Time Finance EV-to-FCF Related Terms
Time Finance EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Time Finance's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Time Finance's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Time Finance's EV-to-FCF falls into.
Time Finance's current Enterprise Value is £40.77 Mil.
For company reported semi-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 (LSE:TIME) has a EV-to-FCF of 33.75 as of Jun. 30, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Time Finance and its competitors. This is 504% above median its historical median of 5.59. According to the industry distribution chart, Time Finance ranks #190 out of 265 companies in the Credit Services industry, placing it in the top 71.7%.
Is Time Finance's EV-to-FCF too high?
Time Finance's current EV-to-FCF of 33.75 is 504% above median its 10-year median of 5.59. The Credit Services industry median EV-to-FCF is 12.99. Time Finance's value of 33.75 is 159.8% above this industry median. Based on the distribution chart, Time Finance ranks #190 out of 265 companies in the Credit Services industry, which is below the industry midpoint. 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 EV-to-FCF compare to V and MA?
According to the Credit Services industry distribution chart, Time Finance ranks #190 out of 265 companies for EV-to-FCF. This places Time Finance in the lower half of its industry. The industry median EV-to-FCF is 12.99. Time Finance's value of 33.75 is 159.8% above this benchmark. While the company's 10-year median is 5.59 vs. the industry median of 12.99, Time Finance has consistently been above 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-FCF for a Credit Services company?
The median EV-to-FCF among Credit Services companies is 12.99, based on 265 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Time Finance's current EV-to-FCF of 33.75 is 159.8% above 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Time Finance and its competitors. For the Credit Services industry, the median EV-to-FCF is 12.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Time Finance's current EV-to-FCF is 33.75, which is 504% above median its own 10-year median of 5.59. 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 £0.48 — trading 11.1% below its estimated fair value. The current EV-to-FCF is 33.75, which is 504% above median its 10-year median of 5.59 and 159.8% above the Credit Services industry median of 12.99. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Time Finance (LSE:TIME), the current EV-to-FCF is 33.75 as of Jun. 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 £0.48 is trading 11.1% below its estimated GF Value™ of £0.54.
GuruFocus considers Time Finance to be Modestly Undervalued.
Key valuation signals for LSE:TIME:
EV-to-FCF: 33.75 (504% above median its 10-year median of 5.59)
GF Value™: £0.54 vs. price of £0.48 (11.1% below fair value)
Industry Position: 159.8% above the Credit Services median (#190 of 265)
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
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EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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