Time FinanceLSE:TIME -1.00%49 Gross Margin % is 58.88% as of Nov. 2025, which is 6% below its 10-year median of 62.35. GuruFocus rates LSE:TIME with a GF Score™ of 49/100 and a GF Value™ of £0.54 (Fairly Valued). The stock has 3 warning signs investors should review. Among 388 Credit Services companies, Time Finance ranks better than 57.47% on this metric.
The historical rank and industry rank for Time Finance's Gross Margin % or its related term are showing as below:
LSE:TIME'
s Gross Margin % Range Over the Past 10 Years
Min: 54.17 Med: 62.35 Max: 67.72
Current: 58.7
During the past 13 years, the highestGross Margin % of Time Finance was 67.72%. The lowest was 54.17%. And the median was 62.35%.
LSE:TIME's Gross Margin % is ranked better than 57.47% of 388
companies
in the Credit Services industry
Industry Median: 51.845
vs LSE:TIME: 58.70
Time Finance had a gross margin of 58.88% for the quarter that ended in Nov. 2025 => Durable competitive advantage
The 5-Year average Growth Rate of Gross Margin for Time Finance was 0.40% per year.
Time Finance (LSE:TIME) Gross Margin % Explanation
Warren Buffett believes that firms with excellent long term economics tend to have consistently higher margins.
Durable competitive advantage creates a high Gross Margin % because of the freedom to price in excess of cost. Companies can be categorized by their Gross Margin %
1. Greater than 40% = Durable competitive advantage
2. Less than 40% = Competition eroding margins
3. Less than 20% = no sustainable competitive advantage
Consistency of Gross Margin is key
Time Finance had a gross margin of 58.88% for the quarter that ended in Nov. 2025 => Durable competitive advantage
Be Aware
If a company loses its competitive advantages, usually its gross margin declines well before its sales declines. Watching Gross Margin % and Operating Margin % closely helps avoid value trap situations.
Time Finance Gross Margin % Related Terms
Time Finance Gross Margin % Historical Data
* Premium members only.
The historical data trend for Time Finance's Gross Margin % 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 Gross Margin %, along with its competitors' market caps and Gross Margin % 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 Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Time Finance's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Time Finance's Gross Margin % falls into.
* 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.
A positive Gross Profit is only the first step for a company to make a net profit. The gross profit needs to be big enough to also cover related labor, equipment, rental, marketing/advertising, research and development and a lot of other costs in selling the products.
Time Finance (LSE:TIME) has a Gross Margin % of 58.88% as of Nov. 2025. Gross margin is the ratio of total gross profit to net sales. View historical data on Time Finance and its competitors. This is near median its historical median of 62.35. Over the past decade, Time Finance's Gross Margin % has ranged from 54.17 to 67.72. According to the industry distribution chart, Time Finance ranks #165 out of 388 companies in the Credit Services industry, placing it in the top 42.5%.
Is Time Finance's Gross Margin % too high?
Time Finance's current Gross Margin % of 58.88% is near median its 10-year median of 62.35. Over the past 10 years, this metric has ranged from a low of 54.17 to a high of 67.72. The Credit Services industry median Gross Margin % is 51.85. Time Finance's value of 58.88% is 13.6% above this industry median. Based on the distribution chart, Time Finance ranks #165 out of 388 companies in the Credit Services industry, which is above the industry midpoint. Overall, Time Finance has a GF Score™ of 49/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Time Finance's Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Time Finance ranks #165 out of 388 companies for Gross Margin %. This puts Time Finance in the upper half of its industry. The industry median Gross Margin % is 51.85. Time Finance's value of 58.88% is 13.6% above this benchmark. Historically, Time Finance's own Gross Margin % has ranged from 54.17 to 67.72 over the past decade. While the company's 10-year median is 62.35 vs. the industry median of 51.85, 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 Gross Margin % for a Credit Services company?
The median Gross Margin % among Credit Services companies is 51.85, based on 388 companies in the industry. Companies in the top quartile (top 25%) have a Gross Margin % significantly above this median, while those in the bottom quartile fall well below. However, Gross Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Time Finance's current Gross Margin % of 58.88% is 13.6% 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 Gross Margin % mean?
A high Gross Margin % can signal that a stock is expensive relative to its fundamentals. Gross margin is the ratio of total gross profit to net sales. View historical data on Time Finance and its competitors. For the Credit Services industry, the median Gross Margin % is 51.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Time Finance's current Gross Margin % is 58.88%, which is near median its own 10-year median of 62.35. 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 8.3% below its estimated fair value. The current Gross Margin % is 58.88%, which is near median its 10-year median of 62.35 and 13.6% above the Credit Services industry median of 51.85. 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 Gross Margin % calculated?
Gross Margin % is calculated from a company's financial statements. For Time Finance (LSE:TIME), the current Gross Margin % is 58.88% 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 undervalued.
The current stock price of £0.50 is trading 8.3% below its estimated GF Value™ of £0.54.
GuruFocus considers Time Finance to be Fairly Valued.
Key valuation signals for LSE:TIME:
Gross Margin %: 58.88% (near median its 10-year median of 62.35)
GF Value™: £0.54 vs. price of £0.50 (8.3% below fair value)
Industry Position: 13.6% above the Credit Services median (#165 of 388)
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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