Time FinanceLSE:TIME +4.17%49 ROE % is 8.75% as of Nov. 2025, which is 13% above its 10-year median of 7.73. 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 529 Credit Services companies, Time Finance ranks better than 55.95% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Time Finance's annualized net income for the quarter that ended in Nov. 2025 was £6.42 Mil. Time Finance's average Total Stockholders Equity over the quarter that ended in Nov. 2025 was £73.36 Mil. Therefore, Time Finance's annualized ROE % for the quarter that ended in Nov. 2025 was 8.75%.
The historical rank and industry rank for Time Finance's ROE % or its related term are showing as below:
LSE:TIME'
s ROE % Range Over the Past 10 Years
Min: 1.6 Med: 7.73 Max: 16.81
Current: 8.44
During the past 13 years, Time Finance's highest ROE % was 16.81%. The lowest was 1.60%. And the median was 7.73%.
LSE:TIME's ROE % is ranked better than 55.95% of 529
companies
in the Credit Services industry
Industry Median: 6.61
vs LSE:TIME: 8.44
Time Finance (LSE:TIME) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is two times the semi-annual (Nov. 2025) net income data. The Revenue data used here is two times the semi-annual (Nov. 2025) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
Time Finance ROE % Related Terms
Time Finance ROE % Historical Data
* Premium members only.
The historical data trend for Time Finance's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Time Finance's ROE % distribution charts can be found below:
* The bar in red indicates where Time Finance's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
Time Finance (LSE:TIME) has a ROE % of 8.75% as of Nov. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Time Finance and its competitors. This is 13% above median its historical median of 7.73. Over the past decade, Time Finance's ROE % has ranged from 1.60 to 16.81. According to the industry distribution chart, Time Finance ranks #233 out of 529 companies in the Credit Services industry, placing it in the top 44%.
Is Time Finance's ROE % too high?
Time Finance's current ROE % of 8.75% is 13% above median its 10-year median of 7.73. Over the past 10 years, this metric has ranged from a low of 1.60 to a high of 16.81. The Credit Services industry median ROE % is 6.61. Time Finance's value of 8.75% is 32.4% above this industry median. Based on the distribution chart, Time Finance ranks #233 out of 529 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 ROE % compare to V and MA?
According to the Credit Services industry distribution chart, Time Finance ranks #233 out of 529 companies for ROE %. This puts Time Finance in the upper half of its industry. The industry median ROE % is 6.61. Time Finance's value of 8.75% is 32.4% above this benchmark. Historically, Time Finance's own ROE % has ranged from 1.60 to 16.81 over the past decade. While the company's 10-year median is 7.73 vs. the industry median of 6.61, 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 ROE % for a Credit Services company?
The median ROE % among Credit Services companies is 6.61, based on 529 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Time Finance's current ROE % of 8.75% is 32.4% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Time Finance and its competitors. For the Credit Services industry, the median ROE % is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Time Finance's current ROE % is 8.75%, which is 13% above median its own 10-year median of 7.73. 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 7.4% below its estimated fair value. The current ROE % is 8.75%, which is 13% above median its 10-year median of 7.73 and 32.4% above the Credit Services industry median of 6.61. 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 % calculated?
ROE % is calculated from a company's financial statements. For Time Finance (LSE:TIME), the current ROE % is 8.75% 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 £0.50 is trading 7.4% below its estimated GF Value™ of £0.54.
GuruFocus considers Time Finance to be Fairly Valued.
Key valuation signals for LSE:TIME:
ROE %: 8.75% (13% above median its 10-year median of 7.73)
GF Value™: £0.54 vs. price of £0.50 (7.4% below fair value)
Industry Position: 32.4% above the Credit Services median (#233 of 529)
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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