Time FinanceLSE:TIME -1.00%49 Interest Coverage is 18.23 as of Nov. 2025, which is 41% below its 10-year median of 30.77. 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 163 Credit Services companies, Time Finance ranks worse than 60.12% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. Time Finance's
Operating Income
for the
six
months ended in Nov. 2025 was £4.32 Mil. Time Finance's Interest Expense for the
six
months ended in Nov. 2025 was £-0.24 Mil.
Time Finance's interest coverage for the quarter that ended in Nov. 2025 was 18.23.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Time Finance's Interest Coverage or its related term are showing as below:
LSE:TIME'
s Interest Coverage Range Over the Past 10 Years
Min: 10.74 Med: 30.77 Max: 53.46
Current: 20.35
LSE:TIME's Interest Coverage is ranked worse than 60.12% of 163
companies
in the Credit Services industry
Industry Median: 47.86
vs LSE:TIME: 20.35
Time Finance (LSE:TIME) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Time Finance Interest Coverage Related Terms
Time Finance Interest Coverage Historical Data
* Premium members only.
The historical data trend for Time Finance's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
LSE:TIME vs V, MA, AXP: Interest Coverage Comparison
For the Credit Services subindustry, Time Finance's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Time Finance's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Time Finance's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 Interest Coverage of 18.23 as of Nov. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Time Finance and its competitors. This is 41% below median its historical median of 30.77. Over the past decade, Time Finance's Interest Coverage has ranged from 10.74 to 53.46. According to the industry distribution chart, Time Finance ranks #98 out of 163 companies in the Credit Services industry, placing it in the top 60.1%.
Is Time Finance's Interest Coverage too high?
Time Finance's current Interest Coverage of 18.23 is 41% below median its 10-year median of 30.77. Over the past 10 years, this metric has ranged from a low of 10.74 to a high of 53.46. The Credit Services industry median Interest Coverage is 47.86. Time Finance's value of 18.23 is 61.9% below this industry median. Based on the distribution chart, Time Finance ranks #98 out of 163 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 Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Time Finance's Interest Coverage compare to V and MA?
According to the Credit Services industry distribution chart, Time Finance ranks #98 out of 163 companies for Interest Coverage. This places Time Finance in the lower half of its industry. The industry median Interest Coverage is 47.86. Time Finance's value of 18.23 is 61.9% below this benchmark. Historically, Time Finance's own Interest Coverage has ranged from 10.74 to 53.46 over the past decade. While the company's 10-year median is 30.77 vs. the industry median of 47.86, 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 Interest Coverage for a Credit Services company?
The median Interest Coverage among Credit Services companies is 47.86, based on 163 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Time Finance's current Interest Coverage of 18.23 is 61.9% 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Time Finance and its competitors. For the Credit Services industry, the median Interest Coverage is 47.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Time Finance's current Interest Coverage is 18.23, which is 41% below median its own 10-year median of 30.77. 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 Interest Coverage is 18.23, which is 41% below median its 10-year median of 30.77 and 61.9% below the Credit Services industry median of 47.86. 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Time Finance (LSE:TIME), the current Interest Coverage is 18.23 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:
Interest Coverage: 18.23 (41% below median its 10-year median of 30.77)
GF Value™: £0.54 vs. price of £0.50 (8.3% below fair value)
Industry Position: 61.9% below the Credit Services median (#98 of 163)
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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Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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