Time Finance (LSE:TIME) ROE % Adjusted to Book Value: 14.83% (As of Nov. 2025)


LSE:TIME Time Finance PLC LSE:TIME
49 GF Score
Price £0.49
GF Value £0.54
Valuation Modestly Undervalued
! 3 Warning Signs
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What is Time Finance ROE % Adjusted to Book Value?

Time Finance LSE:TIME -2.02% 49 ROE % Adjusted to Book Value is 14.83% as of Nov. 2025. 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.

Time Finance's ROE % for the quarter that ended in Nov. 2025 was 8.75%. Time Finance's PB Ratio for the quarter that ended in Nov. 2025 was 0.59. Time Finance's ROE % Adjusted to Book Value for the quarter that ended in Nov. 2025 was 14.83%.

Time Finance ROE % Adjusted to Book Value Related Terms

Time Finance ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for Time Finance's ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value Chart

Time Finance Annual Data
Trend May16 May17 May18 May19 May20 May21 May22 May23 May24 May25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 6.45 4.71 13.40 11.98 11.64

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
ROE % Adjusted to Book Value 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 13.21 12.14 11.68 11.14 14.83

LSE:TIME vs V, MA, AXP: ROE % Adjusted to Book Value Comparison

For the Credit Services subindustry, Time Finance's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Time Finance's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Time Finance's ROE % Adjusted to Book Value falls into.


LSE:TIME
49GF Score
Time Finance PLC LSE:TIME
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Time Finance ROE % Adjusted to Book Value Calculation

Time Finance's ROE % Adjusted to Book Value for the fiscal year that ended in May. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=8.50% / 0.73
=11.64%

Time Finance's ROE % Adjusted to Book Value for the quarter that ended in Nov. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=8.75% / 0.59
=14.83%

* 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.

What does a ROE % Adjusted to Book Value of 14.83% mean?
Time Finance (LSE:TIME) has a ROE % Adjusted to Book Value of 14.83% as of Nov. 2025. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Time Finance and its competitors.
Is Time Finance's ROE % Adjusted to Book Value too high?
Time Finance's current ROE % Adjusted to Book Value is 14.83%. 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 ROE % Adjusted to Book Value compare to V and MA?
Time Finance's ROE % Adjusted to Book Value of 14.83% can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Credit Services company?
A good ROE % Adjusted to Book Value depends on the Credit Services industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Time Finance and its competitors. Time Finance's current ROE % Adjusted to Book Value is 14.83%. 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 ROE % Adjusted to Book Value is 14.83%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Time Finance (LSE:TIME), the current ROE % Adjusted to Book Value is 14.83% 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:

  • ROE % Adjusted to Book Value: 14.83%
  • GF Value™: £0.54 vs. price of £0.49 (10.2% 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

Other Exchanges B5D1:Germany
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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ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

£0.49
Price
£0.54
GF Value