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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Time FinanceLSE:TIME 52 Net Cash per Share is £-1.81 as of Nov. 2025. GuruFocus rates LSE:TIME with a GF Score™ of 52/100 and a GF Value™ of £0.54 (Fairly Valued). The stock has 7 warning signs investors should review. Among 68 Credit Services companies, Time Finance ranks worse than 1470586.76% on this metric.
The historical rank and industry rank for Time Finance's Net Cash per Share or its related term are showing as below:
LSE:TIME's Price-to-Net-Cash is not ranked *
in the Credit Services industry.
Industry Median: 7.35 * Ranked among companies with meaningful Price-to-Net-Cash only.
Time Finance (LSE:TIME) Net Cash per Share Explanation
Ben Graham invested in situations where the company's stock price was lower than its net-cash. He assigned some value to the company's other current asset. The value is called Net Current Asset Value (NCAV). One research study, covering the years 1970 through 1983 showed that portfolios picked at the beginning of each year, and held for one year, returned 29.4 percent, on average, over the 13-year period, compared to 11.5 percent for the S&P 500 Index. Other studies of Graham's strategy produced similar results.
You can find companies that are traded below their Net Current Asset Value (NCAV) with our Net-Net screener.
Time Finance Net Cash per Share Related Terms
Time Finance Net Cash per Share Historical Data
* Premium members only.
The historical data trend for Time Finance's Net Cash per Share 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.
LSE:TIME vs V, MA, AXP: Net Cash per Share Comparison
For the Credit Services subindustry, Time Finance's Price-to-Net-Cash, along with its competitors' market caps and Price-to-Net-Cash 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 Price-to-Net-Cash vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Time Finance's Price-to-Net-Cash distribution charts can be found below:
* The bar in red indicates where Time Finance's Price-to-Net-Cash falls into.
In the calculation of a company's Net Cash per Share, assets other than cash and short term investments are considered to be worth nothing. But the company has to pay its debt and other liabilities in full. This is an extremely conservative way of valuation. Most companies have negative Net Cash per Share. But sometimes a company's price may be lower than its net-cash.
Time Finance's Net Cash per Share for the fiscal year that ended in May. 2025 is calculated as
* 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 Net Cash per Share of £-1.81 as of Nov. 2025. Net cash per share equals the per-share value of cash and equivalents less total liabilities and minority interest. View historical data on Time Finance and its competitors. According to the industry distribution chart, Time Finance ranks #999999 out of 68 companies in the Credit Services industry.
Is Time Finance's Net Cash per Share too high?
Time Finance's current Net Cash per Share is £-1.81. Based on the distribution chart, Time Finance ranks #999999 out of 68 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Time Finance has a GF Score™ of 52/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Time Finance's Net Cash per Share compare to V and MA?
According to the Credit Services industry distribution chart, Time Finance ranks #999999 out of 68 companies for Net Cash per Share. This places Time Finance in the lower half of its industry. The industry median Net Cash per Share is 7.35. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Cash per Share for a Credit Services company?
The median Net Cash per Share among Credit Services companies is 7.35, based on 68 companies in the industry. Companies in the top quartile (top 25%) have a Net Cash per Share significantly above this median, while those in the bottom quartile fall well below. However, Net Cash per Share 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 Net Cash per Share mean?
A high Net Cash per Share can signal that a stock is expensive relative to its fundamentals. Net cash per share equals the per-share value of cash and equivalents less total liabilities and minority interest. View historical data on Time Finance and its competitors. For the Credit Services industry, the median Net Cash per Share is 7.35 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Time Finance's current Net Cash per Share is £-1.81. 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 £0.58 — trading 6.9% above its estimated fair value. The current Net Cash per Share is £-1.81. Time Finance's overall GF Score™ is 52/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Cash per Share calculated?
Net Cash per Share is calculated from a company's financial statements. For Time Finance (LSE:TIME), the current Net Cash per Share is £-1.81 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 overvalued.
The current stock price of £0.58 is trading 6.9% above its estimated GF Value™ of £0.54.
GuruFocus considers Time Finance to be Fairly Valued.
Key valuation signals for LSE:TIME:
Net Cash per Share: £-1.81
GF Value™: £0.54 vs. price of £0.58 (6.9% above fair value)
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.
52GF Score
Get the complete analysis for LSE:TIME
Net Cash per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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