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Time Finance plc
TIME.LFinancial ServicesLSEGB
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | £37.12M | 15.8% | £5.86M | £4.57M | N/A |
| 2027 | £39.16M | 15.8% | £6.19M | £4.82M | £4.38M |
| 2028 | £41.32M | 15.8% | £6.53M | £5.08M | £4.20M |
| 2029 | £43.59M | 15.8% | £6.89M | £5.36M | £4.03M |
| 2030 | £45.99M | 15.8% | £7.27M | £5.66M | £3.86M |
| 2031 | £48.51M | 15.8% | £7.67M | £5.97M | £3.71M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | £0.063 | 2025-05-31 |
| EPS growth | +32.1% | Forecast years: 5 |
| Future EPS | £0.255 | EPS × (1 + G)^5 |
| Base P/E | 9.1 | P/E |
| Future price | £2.321 | Future EPS × P/E |
| Fair value today | £1.441 | PV @ 10.0% |
| 30% safety price | £1.009 | Margin of safety |
| 50% safety price | £0.721 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | £65.502 | £72.879 | £82.938 |
| 10.0% | £58.027 | £63.465 | £70.577 |
| 11.0% | £52.129 | £56.27 | £61.515 |