ScoreWhy is Time Finance Plc ?
1
Poor long term growth as Operating profit has grown by an annual rate of 22.82%
2
Flat results in Nov 24
- INTEREST(HY) At GBP 0.22 MM has Grown at 961.9%
- INTEREST COVERAGE RATIO(Q) Lowest at 2,004.93
3
With ROE of 8.17%, it has a very attractive valuation with a 0.68 Price to Book Value
- Over the past year, while the stock has generated a return of -12.17%, its profits have risen by 32% ; the PEG ratio of the company is 0.3
4
Underperformed the market in the last 1 year
- Even though the market (FTSE 100) has generated returns of 16.71% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -12.17% returns
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Time Finance Plc should be less than 10%
- Overall Portfolio exposure to Miscellaneous should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Miscellaneous)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Time Finance Plc for you?
High Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Time Finance Plc
-12.93%
0.57
37.93%
FTSE 100
15.94%
1.29
12.98%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
5.02%
EBIT Growth (5y)
22.82%
EBIT to Interest (avg)
3.63
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0.45
Tax Ratio
25.88%
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
5.97%
ROE (avg)
4.25%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
8
Industry P/E
Price to Book Value
0.68
EV to EBIT
5.55
EV to EBITDA
5.21
EV to Capital Employed
0.65
EV to Sales
1.17
PEG Ratio
0.26
Dividend Yield
NA
ROCE (Latest)
11.75%
ROE (Latest)
8.17%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend
Not enough Data to analyse Financial Trend
Not enough Data to analyse Financial Trend
Here's what is working for Time Finance Plc
Net Sales
Highest at GBP 18.25 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (GBP MM)
Pre-Tax Profit
Highest at GBP 3.95 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (GBP MM)
Net Profit
Highest at GBP 3 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very positive
Net Profit (GBP MM)
Pre-Tax Profit
At GBP 3.95 MM has Grown at 43.62%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (GBP MM)
EPS
Highest at GBP 0.03
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (GBP)
Debt-Equity Ratio
Lowest at -2.95 %
in the last five Semi-Annual periodsMOJO Watch
The company has been reducing its borrowing as compared to equity capital
Debt-Equity Ratio
Here's what is not working for Time Finance Plc
Interest
At GBP 0.22 MM has Grown at 961.9%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (GBP MM)
Interest Coverage Ratio
Lowest at 2,004.93
in the last five periodsMOJO Watch
The company's ability to manage interest payments is deteriorating
Operating Profit to Interest
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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