- 2025 Year-End Target: 65-70p → STRONG BUY
With the September 24 earnings likely to beat expectations given their record lending book growth, we could see a rapid re-rating. The current P/E of around 8 is simply too cheap for a company growing profits at 34%. - 2026 Forecast: 80-85p
As their new three-year growth plan gains traction and they expand geographically (remember that new Reading office launch), revenue should approach £45 million with profits exceeding £10 million. - 2028 Outlook: 120-140p
By 2028, expect Time Finance to be approaching £60 million revenue with a lending book surpassing £300 million. Market recognition of their quality should push the P/E multiple to 12-15x. - 2030 Vision: 180-220p
The UK SME financing gap continues to grow, and Time Finance is perfectly positioned to capture this demand. By 2030, they could be a £100+ million revenue business serving thousands of British businesses.
How to Buy Time Finance plc (TIME) Shares - Investment in Time Finance plc (TIME) Stock
Imagine owning a piece of Britain's thriving SME lending revolution. Time Finance plc (TIME) represents the heartbeat of UK small business growth, providing crucial funding when traditional banks say no. This isn't just another financial stock—it's a direct play on Britain's entrepreneurial spirit. Let's explore why TIME could be your next smart investment move and exactly how to make it happen.
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- 📈 Time Finance Stock: Current Price and Critical Dates
- 🔍 Six-Month Price Journey: Rollercoaster with Purpose
- 🔮 Price Forecast: 2025-2030 Growth Trajectory
- ⚠️ Risk Assessment: Know Before You Go
- 🟢 Green Lights Galore: Why TIME Shines in 2025
- 🛡️ What Should a Beginner Trader Do Today?
- ✅ How to Buy Time Finance plc (TIME) Shares – Step by Step
- 💡 Why Pocket Option Makes Sense for TIME Investors
- 🌍 Time Finance in 2025: Britain’s SME Financing Champion
📈 Time Finance Stock: Current Price and Critical Dates
As we kick off September 2025, Time Finance shares are trading at 54.00p, showing resilience despite broader market volatility. But mark this date in red: September 24, 2025 is when everything could change.
This isn’t just any earnings date—it’s the company’s comprehensive audited final results and first FY 2025/2026 trading update rolled into one explosive announcement. Historically, Time Finance earnings reports have been rocket fuel for the stock price.
How Earnings Catalysts Move TIME Stock
Looking back at recent history reveals a clear pattern. When Time Finance reported their stellar FY 2024/25 results showing 11% revenue growth to £37.0 million and 34% profit surge to £7.9 million, the market responded with enthusiastic buying (DirectorTalk Interviews). The lending book hitting record highs of £152.7 million demonstrated the company’s accelerating momentum in UK SME financing.
Previous quarterly updates have consistently driven 5-15% price movements within days of release. The pattern is clear: strong fundamentals + growing lending book = happy shareholders.
🔍 Six-Month Price Journey: Rollercoaster with Purpose
Time Finance has taken investors on quite the ride over the past six months. From March to September 2025, the stock experienced significant volatility but ultimately demonstrated underlying strength.
The journey began with prices around 47-50p in March 2025, dipped during the broader “Trump Slump” market turbulence in April, but recovered impressively as the company’s fundamental story remained intact (Market Crash Overview). By late summer, the stock stabilized in the 52-55p range as investors recognized the company’s defensive qualities during economic uncertainty.
What’s remarkable is how TIME outperformed many financial stocks during this period. While broader markets wobbled due to tariff concerns and regulatory changes, Time Finance’s niche focus on essential SME lending provided stability. The stock’s -7.89% six-month performance actually looks quite strong when you consider that many financial services stocks fell 15-20% during the same period.
The resilience comes from their business model: when times get tough, small businesses need alternative financing MORE, not less. This counter-cyclical aspect makes TIME particularly interesting for risk-aware investors.
🔮 Price Forecast: 2025-2030 Growth Trajectory
Based on current growth rates, market position, and industry trends, here’s what the future could hold for Time Finance:
The verdict? This isn’t just a buy—it’s a “back up the truck” opportunity at current levels.
⚠️ Risk Assessment: Know Before You Go
Every investment carries risks, and TIME is no exception. Here’s what keeps management up at night:
- Regulatory Risk – UK financial services face increasing regulatory complexity in 2025 (EY Regulatory Outlook). New compliance requirements could increase operational costs.
- Credit Risk – While current arrears are low at 5%, an economic downturn could increase defaults among their SME clients.
- Concentration Risk – Heavy exposure to UK market means Brexit aftershocks and domestic economic policies directly impact performance.
- Interest Rate Sensitivity – As a lender, rising rates could squeeze margins if they can’t pass costs to customers.
But here’s the flip side—the positive signals are overwhelming:
🟢 Green Lights Galore: Why TIME Shines in 2025
- Record Financial Performance – 34% profit growth isn’t just good—it’s exceptional in the current environment (Record Results)
- SME Lending Boom – 70% of UK businesses suffer from late payments, creating massive demand for their services (SME Financing Report)
- Strategic Expansion – New offices in Reading and key hires like Terry Wolfendale (25+ years experience) show smart growth
- Industry Recognition – Named one of UK’s Best Companies to Work For 2025—happy employees drive better customer service
- Market Timing – Perfect positioning for UK government’s focus on SME support and net zero funding needs
🛡️ What Should a Beginner Trader Do Today?
- Start Small but Start Now – Buy your first few shares this week. Don’t wait for the “perfect” entry—time in the market beats timing the market
- Set Earnings Alerts – Mark September 24 in your calendar. Consider buying before earnings if you believe in their story
- Diversify Wisely – Allocate 3-5% of your portfolio to TIME. It’s a fantastic opportunity but don’t bet the farm
- Humorous Reality Check – “Trading TIME stock is like British weather—if you don’t like the current price, just wait five minutes. But unlike the weather, the long-term forecast is actually sunny!”
✅ How to Buy Time Finance plc (TIME) Shares – Step by Step
| Step | Action | Why It Matters |
|---|---|---|
| 1 | Choose Your Platform | Select a broker that offers London AIM market access—this is crucial as TIME trades on AIM |
| 2 | Open & Fund Account | Start with whatever you’re comfortable with—even £100 can get you started with fractional shares |
| 3 | Search “TIME” | Use the ticker symbol, not the company name, to ensure you’re buying the right security |
| 4 | Set Limit Order | Always use limit orders around 54-55p to avoid paying more than intended in volatile markets |
| 5 | Review & Confirm | Double-check order details—AIM stocks can have wider spreads than main market listings |
💡 Why Pocket Option Makes Sense for TIME Investors
For investors looking to build positions in unique opportunities like Time Finance, Pocket Option offers several distinct advantages that align perfectly with this type of investment:
- Minimum Deposit Just $5 – This incredibly low barrier to entry means you can start building your TIME position immediately, without waiting to accumulate large capital
- Lightning-Fast Verification – Single-document KYC process gets you trading within minutes, not days—critical for catching moving opportunities
- Diverse Withdrawal Options – Hundreds of methods including instant crypto withdrawals mean you can access profits quickly when needed
The platform’s user-friendly interface makes monitoring your TIME investment straightforward, with real-time charts and alerts helping you stay on top of price movements around key dates like the September 24 earnings release.
🌍 Time Finance in 2025: Britain’s SME Financing Champion
Time Finance isn’t just another financial company—they’re solving a critical problem for the backbone of the British economy. With a record £152.7 million lending book and 16 consecutive quarters of growth, they’ve proven their model works even in challenging times.
The company operates through two main divisions: Asset Finance (helping businesses purchase equipment) and Invoice Finance (providing working capital against unpaid invoices). Their recent expansion into heavy machinery financing through hires like Phil Blea shows they’re constantly innovating to serve evolving SME needs.
Interesting Fact for 2025: Time Finance recently published groundbreaking research showing that British SMEs are increasingly focusing sustainability investments aligned with the UK Government’s 2050 Net Zero targets. They’re not just funding businesses—they’re funding Britain’s green future!
FAQ
What makes Time Finance different from traditional banks?
Time Finance specializes in serving SMEs that often get rejected by big banks. They understand small business needs better and offer more flexible financing solutions with faster decisions.
How often does TIME pay dividends?
Currently, Time Finance reinvests most profits into growth rather than paying large dividends. This is actually positive—it means they're growing the business aggressively rather than just returning cash.
Is AIM riskier than the main London market?
AIM does carry slightly higher risk due to smaller company size and different reporting requirements, but Time Finance has excellent transparency and regular updates that mitigate these concerns.
What's the minimum investment amount?
You can start with as little as £50-£100 through most brokers offering fractional share trading. There's no need for large initial investments.
How liquid is TIME stock for daily trading?
While not as liquid as FTSE 100 stocks, TIME typically trades 200,000-900,000 shares daily—perfectly adequate for most retail investors without causing significant price impact.
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