Time FinanceLSE:TIME -1.00%49 PB Ratio is 0.61 as of Jun. 26, 2026, which is 3% above its 10-year median of 0.59. 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 523 Credit Services companies, Time Finance ranks better than 75.14% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-06-26), Time Finance's share price is £0.495. Time Finance's Book Value per Share for the quarter that ended in Nov. 2025 was £0.82. Hence, Time Finance's PB Ratio of today is 0.61.
Good Sign:
Time Finance PLC stock PB Ratio (=0.57) is close to 2-year low of 0.52.
The historical rank and industry rank for Time Finance's PB Ratio or its related term are showing as below:
LSE:TIME'
s PB Ratio Range Over the Past 10 Years
Min: 0.2 Med: 0.59 Max: 1.55
Current: 0.6
During the past 13 years, Time Finance's highest PB Ratio was 1.55. The lowest was 0.20. And the median was 0.59.
LSE:TIME's PB Ratio is ranked better than 75.14% of 523
companies
in the Credit Services industry
Industry Median: 1.07
vs LSE:TIME: 0.60
During the past 12 months, Time Finance's average Book Value Per Share Growth Rate was 8.30% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 7.60% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 5.00% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 6.70% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Time Finance was 32.20% per year. The lowest was -43.10% per year. And the median was 6.90% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Time Finance PB Ratio Related Terms
Time Finance PB Ratio Historical Data
* Premium members only.
The historical data trend for Time Finance's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Time Finance's PB Ratio distribution charts can be found below:
* The bar in red indicates where Time Finance's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
Time Finance's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Time Finance (LSE:TIME) has a PB Ratio of 0.61 as of Jun. 26, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Time Finance and its competitors. This is near median its historical median of 0.59. Over the past decade, Time Finance's PB Ratio has ranged from 0.20 to 1.55. According to the industry distribution chart, Time Finance ranks #130 out of 523 companies in the Credit Services industry, placing it in the top 24.9%.
Is Time Finance's PB Ratio too high?
Time Finance's current PB Ratio of 0.61 is near median its 10-year median of 0.59. Over the past 10 years, this metric has ranged from a low of 0.20 to a high of 1.55. The Credit Services industry median PB Ratio is 1.07. Time Finance's value of 0.61 is 43% below this industry median. Based on the distribution chart, Time Finance ranks #130 out of 523 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. 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 PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Time Finance ranks #130 out of 523 companies for PB Ratio. This places Time Finance in the top 25% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.07. Time Finance's value of 0.61 is 43% below this benchmark. Historically, Time Finance's own PB Ratio has ranged from 0.20 to 1.55 over the past decade. While the company's 10-year median is 0.59 vs. the industry median of 1.07, Time Finance has consistently been below 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 PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.07, based on 523 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Time Finance's current PB Ratio of 0.61 is 43% below 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Time Finance and its competitors. For the Credit Services industry, the median PB Ratio is 1.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Time Finance's current PB Ratio is 0.61, which is near median its own 10-year median of 0.59. 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 PB Ratio is 0.61, which is near median its 10-year median of 0.59 and 43% below the Credit Services industry median of 1.07. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Time Finance (LSE:TIME), the current PB Ratio is 0.61 as of Jun. 26, 2026. 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:
PB Ratio: 0.61 (near median its 10-year median of 0.59)
GF Value™: £0.54 vs. price of £0.50 (8.3% below fair value)
Industry Position: 43% below the Credit Services median (#130 of 523)
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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