Time Finance (LSE:TIME) Moat Score: 0/10 (As of Jun. 30, 2026)


LSE:TIME Time Finance PLC LSE:TIME
49 GF Score
Price £0.48
GF Value £0.54
Valuation Modestly Undervalued
! 3 Warning Signs
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What is Time Finance Moat Score?

Time Finance has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Time Finance has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Time Finance might have No Moat - No discernible moat.

Time Finance  (LSE:TIME) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Time Finance Moat Score Related Terms

LSE:TIME
49GF Score
Time Finance PLC LSE:TIME
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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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 12% below its estimated GF Value™ of £0.54. GuruFocus considers Time Finance to be Modestly Undervalued.

Key valuation signals for LSE:TIME:

  • Moat Score: 0
  • GF Value™: £0.54 vs. price of £0.48 (12% 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

Other Exchanges B5D1:Germany
Address The Square, Lower Bristol Road, St James House, Bath, GBR, BA2 3BH
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

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

£0.48
Price
£0.54
GF Value