Time FinanceLSE:TIME -2.02%49 Pretax Margin % is 22.75% as of Nov. 2025, which is 17% above its 10-year median of 19.51. GuruFocus rates LSE:TIME with a GF Score™ of 49/100 and a GF Value™ of £0.54 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 534 Credit Services companies, Time Finance ranks better than 53% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. Time Finance's Pre-Tax Income for the
six
months ended in Nov. 2025 was £4.28 Mil. Time Finance's Revenue for the
six
months ended in Nov. 2025 was £18.82 Mil. Therefore, Time Finance's pretax margin for the quarter that ended in Nov. 2025 was 22.75%.
The historical rank and industry rank for Time Finance's Pretax Margin % or its related term are showing as below:
LSE:TIME'
s Pretax Margin % Range Over the Past 10 Years
Min: 6.25 Med: 19.51 Max: 26.65
Current: 21.65
LSE:TIME's Pretax Margin % is ranked better than 53% of 534
companies
in the Credit Services industry
Industry Median: 19.865
vs LSE:TIME: 21.65
Time Finance (LSE:TIME) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Time Finance Pretax Margin % Related Terms
Time Finance Pretax Margin % Historical Data
* Premium members only.
The historical data trend for Time Finance's Pretax 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.
LSE:TIME vs V, MA, AXP: Pretax Margin % Comparison
For the Credit Services subindustry, Time Finance's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Time Finance's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Time Finance's Pretax 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 Pretax Margin % of 22.75% as of Nov. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Time Finance and its competitors. This is 17% above median its historical median of 19.51. Over the past decade, Time Finance's Pretax Margin % has ranged from 6.25 to 26.65. According to the industry distribution chart, Time Finance ranks #251 out of 534 companies in the Credit Services industry, placing it in the top 47%.
Is Time Finance's Pretax Margin % too high?
Time Finance's current Pretax Margin % of 22.75% is 17% above median its 10-year median of 19.51. Over the past 10 years, this metric has ranged from a low of 6.25 to a high of 26.65. The Credit Services industry median Pretax Margin % is 19.87. Time Finance's value of 22.75% is 14.5% above this industry median. Based on the distribution chart, Time Finance ranks #251 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 Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Time Finance's Pretax Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Time Finance ranks #251 out of 534 companies for Pretax Margin %. This puts Time Finance in the upper half of its industry. The industry median Pretax Margin % is 19.87. Time Finance's value of 22.75% is 14.5% above this benchmark. Historically, Time Finance's own Pretax Margin % has ranged from 6.25 to 26.65 over the past decade. While the company's 10-year median is 19.51 vs. the industry median of 19.87, 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 Pretax Margin % for a Credit Services company?
The median Pretax Margin % among Credit Services companies is 19.87, based on 534 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Time Finance's current Pretax Margin % of 22.75% is 14.5% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Time Finance and its competitors. For the Credit Services industry, the median Pretax Margin % is 19.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Time Finance's current Pretax Margin % is 22.75%, which is 17% above median its own 10-year median of 19.51. 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 Modestly Undervalued. The stock's GF Value™ is £0.54, compared to a current price of £0.49 — trading 10.2% below its estimated fair value. The current Pretax Margin % is 22.75%, which is 17% above median its 10-year median of 19.51 and 14.5% above the Credit Services industry median of 19.87. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Time Finance (LSE:TIME), the current Pretax Margin % is 22.75% 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 £0.49 is trading 10.2% below its estimated GF Value™ of £0.54.
GuruFocus considers Time Finance to be Modestly Undervalued.
Key valuation signals for LSE:TIME:
Pretax Margin %: 22.75% (17% above median its 10-year median of 19.51)
GF Value™: £0.54 vs. price of £0.49 (10.2% below fair value)
Industry Position: 14.5% above the Credit Services median (#251 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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