Time FinanceLSE:TIME +4.17%49 Net Margin % is 17.06% as of Nov. 2025, which is 17% above its 10-year median of 14.58. 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 534 Credit Services companies, Time Finance ranks better than 53.93% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Time Finance's Net Income for the
six
months ended in Nov. 2025 was £3.21 Mil. Time Finance's Revenue for the
six
months ended in Nov. 2025 was £18.82 Mil. Therefore, Time Finance's net margin for the quarter that ended in Nov. 2025 was 17.06%.
The historical rank and industry rank for Time Finance's Net Margin % or its related term are showing as below:
LSE:TIME'
s Net Margin % Range Over the Past 10 Years
Min: 4.09 Med: 14.58 Max: 22.83
Current: 16.05
LSE:TIME's Net Margin % is ranked better than 53.93% of 534
companies
in the Credit Services industry
Industry Median: 14.52
vs LSE:TIME: 16.05
Time Finance (LSE:TIME) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Time Finance Net Margin % Related Terms
Time Finance Net Margin % Historical Data
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The historical data trend for Time Finance's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Time Finance's Net Margin % distribution charts can be found below:
* The bar in red indicates where Time Finance's Net 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.
Time Finance (LSE:TIME) has a Net Margin % of 17.06% as of Nov. 2025. Net margin is the ratio of total net income to net sales. View historical data on Time Finance and its competitors. This is 17% above median its historical median of 14.58. Over the past decade, Time Finance's Net Margin % has ranged from 4.09 to 22.83. According to the industry distribution chart, Time Finance ranks #246 out of 534 companies in the Credit Services industry, placing it in the top 46.1%.
Is Time Finance's Net Margin % too high?
Time Finance's current Net Margin % of 17.06% is 17% above median its 10-year median of 14.58. Over the past 10 years, this metric has ranged from a low of 4.09 to a high of 22.83. The Credit Services industry median Net Margin % is 14.52. Time Finance's value of 17.06% is 17.5% above this industry median. Based on the distribution chart, Time Finance ranks #246 out of 534 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 Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Time Finance ranks #246 out of 534 companies for Net Margin %. This puts Time Finance in the upper half of its industry. The industry median Net Margin % is 14.52. Time Finance's value of 17.06% is 17.5% above this benchmark. Historically, Time Finance's own Net Margin % has ranged from 4.09 to 22.83 over the past decade. While the company's 10-year median is 14.58 vs. the industry median of 14.52, 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 Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 14.52, based on 534 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Time Finance's current Net Margin % of 17.06% is 17.5% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Time Finance and its competitors. For the Credit Services industry, the median Net Margin % is 14.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Time Finance's current Net Margin % is 17.06%, which is 17% above median its own 10-year median of 14.58. 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 7.4% below its estimated fair value. The current Net Margin % is 17.06%, which is 17% above median its 10-year median of 14.58 and 17.5% above the Credit Services industry median of 14.52. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Time Finance (LSE:TIME), the current Net Margin % is 17.06% 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 7.4% below its estimated GF Value™ of £0.54.
GuruFocus considers Time Finance to be Fairly Valued.
Key valuation signals for LSE:TIME:
Net Margin %: 17.06% (17% above median its 10-year median of 14.58)
GF Value™: £0.54 vs. price of £0.50 (7.4% below fair value)
Industry Position: 17.5% above the Credit Services median (#246 of 534)
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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