Time FinanceLSE:TIME +4.12%49 Return-on-Tangible-Equity is 14.05% as of Nov. 2025, which is 7% above its 10-year median of 13.18. 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 525 Credit Services companies, Time Finance ranks better than 73.52% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Time Finance's annualized net income for the quarter that ended in Nov. 2025 was £6.42 Mil. Time Finance's average shareholder tangible equity for the quarter that ended in Nov. 2025 was £45.68 Mil. Therefore, Time Finance's annualized Return-on-Tangible-Equity for the quarter that ended in Nov. 2025 was 14.05%.
The historical rank and industry rank for Time Finance's Return-on-Tangible-Equity or its related term are showing as below:
LSE:TIME'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 3.13 Med: 13.18 Max: 38.94
Current: 13.71
During the past 13 years, Time Finance's highest Return-on-Tangible-Equity was 38.94%. The lowest was 3.13%. And the median was 13.18%.
LSE:TIME's Return-on-Tangible-Equity is ranked better than 73.52% of 525
companies
in the Credit Services industry
Industry Median: 7.01
vs LSE:TIME: 13.71
Time Finance (LSE:TIME) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Time Finance Return-on-Tangible-Equity Related Terms
Time Finance Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Time Finance's Return-on-Tangible-Equity 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: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, Time Finance's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Time Finance's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Time Finance's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is two times the semi-annual (Nov. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 14.05% mean?
Time Finance (LSE:TIME) has a Return-on-Tangible-Equity of 14.05% as of Nov. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Time Finance and its competitors. This is near median its historical median of 13.18. Over the past decade, Time Finance's Return-on-Tangible-Equity has ranged from 3.13 to 38.94. According to the industry distribution chart, Time Finance ranks #139 out of 525 companies in the Credit Services industry, placing it in the top 26.5%.
Is Time Finance's Return-on-Tangible-Equity too high?
Time Finance's current Return-on-Tangible-Equity of 14.05% is near median its 10-year median of 13.18. Over the past 10 years, this metric has ranged from a low of 3.13 to a high of 38.94. The Credit Services industry median Return-on-Tangible-Equity is 7.01. Time Finance's value of 14.05% is 100.4% above this industry median. Based on the distribution chart, Time Finance ranks #139 out of 525 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 Return-on-Tangible-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Time Finance ranks #139 out of 525 companies for Return-on-Tangible-Equity. This puts Time Finance in the upper half of its industry. The industry median Return-on-Tangible-Equity is 7.01. Time Finance's value of 14.05% is 100.4% above this benchmark. Historically, Time Finance's own Return-on-Tangible-Equity has ranged from 3.13 to 38.94 over the past decade. While the company's 10-year median is 13.18 vs. the industry median of 7.01, 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 Return-on-Tangible-Equity for a Credit Services company?
The median Return-on-Tangible-Equity among Credit Services companies is 7.01, based on 525 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Time Finance's current Return-on-Tangible-Equity of 14.05% is 100.4% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Time Finance and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Time Finance's current Return-on-Tangible-Equity is 14.05%, which is near median its own 10-year median of 13.18. 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 £0.51 — trading 6.5% below its estimated fair value. The current Return-on-Tangible-Equity is 14.05%, which is near median its 10-year median of 13.18 and 100.4% above the Credit Services industry median of 7.01. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Time Finance (LSE:TIME), the current Return-on-Tangible-Equity is 14.05% 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 £0.51 is trading 6.5% below its estimated GF Value™ of £0.54.
GuruFocus considers Time Finance to be Fairly Valued.
Key valuation signals for LSE:TIME:
Return-on-Tangible-Equity: 14.05% (near median its 10-year median of 13.18)
GF Value™: £0.54 vs. price of £0.51 (6.5% below fair value)
Industry Position: 100.4% above the Credit Services median (#139 of 525)
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
Get the complete analysis for LSE:TIME
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
LSE:TIME has been successfully added to your 
