Time Finance (LSE:TIME) ROCE %: 5.96% (As of Nov. 2025)

What is Time Finance ROCE %?

Time Finance LSE:TIME -1.00% 49 ROCE % is 5.96% 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.

ROCE % measures how well a company generates profits from its capital. It is calculated as EBIT divided by Capital Employed, where Capital Employed is calculated as Total Assets minus Total Current Liabilities. Time Finance's annualized ROCE % for the quarter that ended in Nov. 2025 was 5.96%.

Time Finance (LSE:TIME) ROCE % Explanation

ROCE % can be especially useful when comparing the performance of capital-intensive companies. Unlike ROE %, which indicates the profitability of Shareholders Equity, ROCE % also considers long-term debt in Capital Employed. This can be helpful when analyzing companies with significant debt, as the result is neutralized by taking debt into consideration.

Generally speaking, a higher ROCE % indicates a stonger profitability for a company. Moreover, it is important to look at the ratio from a long term perspective. Investors tend to favor companies with stable and rising ROCE % trend over those with volatile ones.

Time Finance ROCE % Related Terms

Time Finance ROCE % Historical Data

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The historical data trend for Time Finance's ROCE % 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 ROCE % Chart

Time Finance Annual Data

Trend

May16

May17

May18

May19

May20

May21

May22

May23

May24

May25

ROCE %

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2.55

1.72

3.92

4.97

5.99

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
ROCE %	Get a 7-Day Free Trial															4.60	5.26	6.20	5.72	5.96

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Time Finance PLC LSE:TIME

ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.

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Time Finance ROCE % Calculation

Time Finance's annualized ROCE % for the fiscal year that ended in May. 2025 is calculated as:

ROCE %	=	EBIT	/	( (Capital Employed	+	Capital Employed)	/ count )
		(A: May. 2025 )		(A: May. 2024 )		(A: May. 2025 )
	=	EBIT	/	( ( (Total Assets - Total Current Liabilities)	+	(Total Assets - Total Current Liabilities) )	/ count )
		(A: May. 2025 )		(A: May. 2024 )		(A: May. 2025 )
	=	8.242	/	( ( (209.739 - 79.974)	+	(230.341 - 85.061) )	/ 2 )
	=	8.242	/	( (129.765	+	145.28)	/ 2 )
	=	8.242	/	137.5225
	=	5.99 %

Time Finance's ROCE % of for the quarter that ended in Nov. 2025 is calculated as:

ROCE %	=	EBIT ⁽¹⁾	/	( (Capital Employed	+	Capital Employed)	/ count )
		(Q: Nov. 2025 )		(Q: May. 2025 )		(Q: Nov. 2025 )
	=	EBIT	/	( ( (Total Assets - Total Current Liabilities)	+	(Total Assets - Total Current Liabilities) )	/ count )
		(Q: Nov. 2025 )		(Q: May. 2025 )		(Q: Nov. 2025 )
	=	9.034	/	( ( (230.341 - 85.061)	+	(244.961 - 86.983) )	/ 2 )
	=	9.034	/	( ( 145.28	+	157.978 )	/ 2 )
	=	9.034	/	151.629
	=	5.96 %

(1) Note: The EBIT data used here is two times the semi-annual (Nov. 2025) EBIT data.

Frequently Asked Questions Learn more about ROCE % →

What does a ROCE % of 5.96% mean?

Time Finance (LSE:TIME) has a ROCE % of 5.96% as of Nov. 2025.

Is Time Finance's ROCE % too high?

Time Finance's current ROCE % is 5.96%. The Credit Services industry median ROCE % is 3.39. Time Finance's value of 5.96% is 75.8% above this industry median. 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 ROCE % compare to V and MA?

Time Finance's ROCE % of 5.96% can be compared against companies in the Credit Services industry. The industry median ROCE % is 3.39. Time Finance's value of 5.96% is 75.8% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good ROCE % for a Credit Services company?

The median ROCE % among Credit Services companies is 3.39, based on 417 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Time Finance's current ROCE % of 5.96% is 75.8% 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 ROCE % mean?

A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median ROCE % is 3.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Time Finance's current ROCE % is 5.96%. 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 ROCE % is 5.96% and 75.8% above the Credit Services industry median of 3.39. 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 ROCE % calculated?

ROCE % is calculated from a company's financial statements. For Time Finance (LSE:TIME), the current ROCE % is 5.96% 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:

ROCE %: 5.96%
GF Value™: £0.54 vs. price of £0.50 (8.3% below fair value)
GF Score™: 49/100 with 3 warning signs
Industry Position: 75.8% above the Credit Services median

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

Industry Financial Services Credit Services

Comparable Companies LSE:ICFG LSE:BANK LSE:LEND LSE:ORCH LSE:LIT LSE:DFCH V MA AXP COF BOM:500034 PYPL AFRM SYF NSE:SHRIRAMFIN SOFI BOM:532810 BOM:533398 NSE:CHOLAFIN NSE:TATACAP

Address The Square, Lower Bristol Road, St James House, Bath, GBR, BA2 3BH

Website https://www.timefinance.com

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.

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£0.50

Price

£0.54

GF Value

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