Time Finance (LSE:TIME) OCF Margin %: -3.69% (As of Nov. 2025)


LSE:TIME Time Finance PLC LSE:TIME
49 GF Score
Price £0.50
GF Value £0.54
Valuation Fairly Valued
! 3 Warning Signs
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What is Time Finance OCF Margin %?

Time Finance LSE:TIME -1.00% 49 OCF Margin % is -3.69% as of Nov. 2025. 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 531 Credit Services companies, Time Finance ranks better than 52.17% on this metric.

OCF Margin % is calculated as Cash Flow from Operations divided by its Revenue. Time Finance's Cash Flow from Operations for the six months ended in Nov. 2025 was £-0.69 Mil. Time Finance's Revenue for the six months ended in Nov. 2025 was £18.82 Mil. Therefore, Time Finance's OCF Margin % for the quarter that ended in Nov. 2025 was -3.69%.

As of today, Time Finance's current OCF Yield % is 3.87%.

The historical rank and industry rank for Time Finance's OCF Margin % or its related term are showing as below:

LSE:TIME' s OCF Margin % Range Over the Past 10 Years
Min: -16.07   Med: 10.17   Max: 37.24
Current: 4.36

During the past 13 years, the highest OCF Margin % of Time Finance was 37.24%. The lowest was -16.07%. And the median was 10.17%.

LSE:TIME's OCF Margin % is ranked better than
52.17% of 531 companies
in the Credit Services industry
Industry Median: 2.55 vs LSE:TIME: 4.36

Time Finance OCF Margin % Related Terms

Time Finance OCF Margin % Historical Data

* Premium members only.

The historical data trend for Time Finance's OCF 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.

Time Finance OCF Margin % Chart

Time Finance Annual Data
Trend May16 May17 May18 May19 May20 May21 May22 May23 May24 May25
OCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 23.77 -16.07 9.02 -0.51 13.76

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
OCF Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -8.68 6.76 15.26 12.34 -3.69

LSE:TIME vs V, MA, AXP: OCF Margin % Comparison

For the Credit Services subindustry, Time Finance's OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Time Finance's OCF Margin % distribution charts can be found below:

* The bar in red indicates where Time Finance's OCF Margin % falls into.


LSE:TIME
49GF Score
Time Finance PLC LSE:TIME
OCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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Time Finance OCF Margin % Calculation

OCF Margin % is the ratio of Cash Flow from Operations divided by net sales or Revenue, usually presented in percent.

Time Finance's OCF Margin for the fiscal year that ended in May. 2025 is calculated as

OCF Margin=Cash Flow from Operations (A: May. 2025 )/Revenue (A: May. 2025 )
=5.109/37.12
=13.76 %

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

OCF Margin=Cash Flow from Operations (Q: Nov. 2025 )/Revenue (Q: Nov. 2025 )
=-0.694/18.816
=-3.69 %

* 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.

Frequently Asked Questions Learn more about OCF Margin % →
What does a OCF Margin % of -3.69% mean?
Time Finance (LSE:TIME) has a OCF Margin % of -3.69% as of Nov. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Time Finance and its competitors. According to the industry distribution chart, Time Finance ranks #254 out of 531 companies in the Credit Services industry, placing it in the top 47.8%.
Is Time Finance's OCF Margin % too high?
Time Finance's current OCF Margin % is -3.69%. Based on the distribution chart, Time Finance ranks #254 out of 531 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 OCF Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Time Finance ranks #254 out of 531 companies for OCF Margin %. This puts Time Finance in the upper half of its industry. The industry median OCF Margin % is 2.55. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Credit Services company?
The median OCF Margin % among Credit Services companies is 2.55, based on 531 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Time Finance and its competitors. For the Credit Services industry, the median OCF Margin % is 2.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Time Finance's current OCF Margin % is -3.69%. 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 OCF Margin % is -3.69%. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Time Finance (LSE:TIME), the current OCF Margin % is -3.69% 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:

  • OCF Margin %: -3.69%
  • GF Value™: £0.54 vs. price of £0.50 (8.3% 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

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

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

£0.50
Price
£0.54
GF Value