Time Finance plc (LSE:TIME) reported record revenue and profit for the first half of the 2025/26 financial year, alongside continued expansion of its lending book. The results extend the group’s growth trajectory to eighteen consecutive quarters, reflecting consistent execution of its strategy and resilient demand across its core markets.
The strong performance was driven by a clear emphasis on secured lending, particularly within the Invoice Finance and Asset Finance divisions. This focus has translated into improved financial metrics, including growth in net tangible assets and a reduction in arrears and bad debt write-offs, pointing to disciplined risk management and improving portfolio quality.
Operational momentum leaves the company well positioned to sustain growth in the second half of the year and beyond, supporting management’s objective of delivering long-term value for shareholders.
From an investment standpoint, Time Finance’s robust financial delivery and positive corporate developments underpin its overall profile. Technical indicators suggest scope for further share price upside, while valuation measures indicate the stock may be undervalued. The lack of an earnings call does not materially affect the overall assessment.
More about Time Finance plc
Time Finance plc is an independent specialist finance provider serving UK small and medium-sized enterprises. The company offers flexible funding solutions through a multi-product platform, with a core focus on Asset Finance and Invoice Finance. Operating primarily as an own-book lender, Time Finance also brokers transactions when appropriate, supporting businesses at various stages of growth.
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