Time Finance (LSE:TIME) Interest Expense: £-0.40 Mil (TTM As of Nov. 2025)

What is Time Finance Interest Expense?

Time Finance LSE:TIME 49 Interest Expense is £-0.40 Mil as of Nov. 2025. 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.

Interest Expense is the amount reported by a company or individual as an expense for borrowed money. Time Finance's interest expense for the six months ended in Nov. 2025 was £ -0.24 Mil. Its interest expense for the trailing twelve months (TTM) ended in Nov. 2025 was £-0.40 Mil.

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. 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. Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Time Finance (LSE:TIME) Interest Expense Explanation

Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Time Finance's Interest Expense for the six months ended in Nov. 2025 was £-0.24 Mil. Its Operating Income for the six months ended in Nov. 2025 was £4.32 Mil. And its Long-Term Debt & Capital Lease Obligation for the six months ended in Nov. 2025 was £0.46 Mil.

Time Finance's Interest Coverage for the quarter that ended in Nov. 2025 is calculated as

Interest Coverage	=	-1	*	Operating Income (Q: Nov. 2025 )	/	Interest Expense (Q: Nov. 2025 )
	=	-1	*	4.321	/	-0.237
	=	18.23

* 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.

The higher the ratio, the stronger the company's financial strength is.

Time Finance Interest Expense Historical Data

* Premium members only.

The historical data trend for Time Finance's Interest Expense can be seen below:

Time Finance Interest Expense Chart

Time Finance Annual Data

Trend

May16

May17

May18

May19

May20

May21

May22

May23

May24

May25

Interest Expense

Get a 7-Day Free Trial

-0.25

-0.26

-0.15

-0.18

-0.39

Time Finance Semi-Annual Data
	May16	Nov16	May17	Nov17	May18	Nov18	May19	Nov19	May20	Nov20	May21	Nov21	May22	Nov22	May23	Nov23	May24	Nov24	May25	Nov25
Interest Expense	Get a 7-Day Free Trial															-0.02	-0.16	-0.22	-0.16	-0.24

49GF Score

Time Finance PLC LSE:TIME

Interest Expense is just one metric. See GF Score™, valuation, warning signs, and more.

View Full Analysis

Time Finance Interest Expense Calculation

Interest Expense is the amount reported by a company or individual as an expense for borrowed money.

Interest Expense for the trailing twelve months (TTM) ended in Nov. 2025 adds up the semi-annually data reported by the company within the most recent 12 months, which was £-0.40 Mil.

Frequently Asked Questions Learn more about Interest Expense →

What does a Interest Expense of £-0.40 Mil mean?

Time Finance (LSE:TIME) has a Interest Expense of £-0.40 Mil as of Nov. 2025. Interest Expense is the amount a company pays on its long-term debt. View historical data on Time Finance and its competitors.

Is Time Finance's Interest Expense too high?

Time Finance's current Interest Expense is £-0.40 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 Interest Expense compare to V and MA?

Time Finance's Interest Expense of £-0.40 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 Interest Expense for a Credit Services company?

A good Interest Expense depends on the Credit Services industry context. However, Interest Expense 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 Interest Expense mean?

A high Interest Expense can signal that a stock is expensive relative to its fundamentals. Interest Expense is the amount a company pays on its long-term debt. View historical data on Time Finance and its competitors. Time Finance's current Interest Expense is £-0.40 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 Interest Expense is £-0.40 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 Interest Expense calculated?

Interest Expense is calculated from a company's financial statements. For Time Finance (LSE:TIME), the current Interest Expense is £-0.40 Mil 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 £0.49 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:

Interest Expense: £-0.40 Mil
GF Value™: £0.54 vs. price of £0.49 (10.2% below fair value)
GF Score™: 49/100 with 3 warning signs

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 Business Description

Industry Financial Services Credit Services

Comparable Companies LSE:ICFG LSE:BANK LSE:LEND LSE:ORCH LSE:LIT LSE:DFCH V MA AXP COF BOM:500034 PYPL AFRM SYF NSE:SHRIRAMFIN SOFI NSE:CHOLAFIN NSE:TATACAP BOM:532810 ALLY

Other Exchanges B5D1:Germany

Address The Square, Lower Bristol Road, St James House, Bath, GBR, BA2 3BH

Website https://www.timefinance.com

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

Interest Expense is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

£0.49

Price

£0.54

GF Value

View LSE:TIME Analysis

See Interest Expense data for all stocks →