Time Finance (LSE:TIME) Short-Term Debt: £0.10 Mil (As of Nov. 2025)

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Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

LSE:TIME Time Finance PLC LSE:TIME
49 GF Score
Price £0.50
GF Value £0.54
Valuation Fairly Valued
! 3 Warning Signs
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What is Time Finance Short-Term Debt?

Time Finance LSE:TIME 49 Short-Term Debt is £0.10 Mil 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.

Time Finance's Short-Term Debt for the quarter that ended in Nov. 2025 was £0.10 Mil.

Time Finance's quarterly Short-Term Debt declined from Nov. 2024 (£0.70 Mil) to May. 2025 (£0.29 Mil) and declined from May. 2025 (£0.29 Mil) to Nov. 2025 (£0.10 Mil).

Time Finance's annual Short-Term Debt declined from May. 2023 (£1.63 Mil) to May. 2024 (£1.03 Mil) and declined from May. 2024 (£1.03 Mil) to May. 2025 (£0.29 Mil).

Time Finance Short-Term Debt Explanation

Short-Term Debt represents the total amount of Long-Term Debt such as bank loans and commercial paper, which is due within one year.

Time Finance Short-Term Debt Related Terms

Time Finance Short-Term Debt Historical Data

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The historical data trend for Time Finance's Short-Term Debt 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 Short-Term Debt Chart

Time Finance Annual Data
Trend May16 May17 May18 May19 May20 May21 May22 May23 May24 May25
Short-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.63 1.88 1.63 1.03 0.29

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
Short-Term Debt 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 1.03 1.03 0.70 0.29 0.10
LSE:TIME
49GF Score
Time Finance PLC LSE:TIME
Short-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Short-Term Debt →
What does a Short-Term Debt of £0.10 Mil mean?
Time Finance (LSE:TIME) has a Short-Term Debt of £0.10 Mil as of Nov. 2025.
Is Time Finance's Short-Term Debt too high?
Time Finance's current Short-Term Debt is £0.10 Mil. 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 Short-Term Debt compare to V and MA?
Time Finance's Short-Term Debt of £0.10 Mil 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 Short-Term Debt for a Credit Services company?
A good Short-Term Debt depends on the Credit Services industry context. However, Short-Term Debt 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 Short-Term Debt mean?
A high Short-Term Debt can signal that a stock is expensive relative to its fundamentals. Time Finance's current Short-Term Debt is £0.10 Mil. 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 Short-Term Debt is £0.10 Mil. 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 Short-Term Debt calculated?
Short-Term Debt is calculated from a company's financial statements. For Time Finance (LSE:TIME), the current Short-Term Debt is £0.10 Mil 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:

  • Short-Term Debt: £0.10 Mil
  • GF Value™: £0.54 vs. price of £0.50 (7.4% 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

Get the complete analysis for LSE:TIME

Short-Term Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

£0.50
Price
£0.54
GF Value