` Comparison: TIME vs 8421 - Alpha Spread

TIME
vs
8421

Over the past 12 months, TIME has underperformed Shinkin Central Bank, delivering a return of -11% compared to the Shinkin Central Bank's 9% drop.

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TIME
8421
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Valuation Comparison

TIME Intrinsic Value
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Shinkin Central Bank Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Time Finance PLC
LSE:TIME
49.5 GBX
Shinkin Central Bank
TSE:8421
200 700 JPY
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
TIME, 8421

TIME
8421
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Time Finance PLC
Revenue
Shinkin Central Bank
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
TIME, 8421

TIME
8421
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Time Finance PLC
LSE:TIME
Shinkin Central Bank
TSE:8421
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

TIME
58.5%
Shinkin Central Bank
LTM 3Y Avg 5Y Avg 10Y Avg
Time Finance PLC
Shinkin Central Bank
Not applicable for financial companies

Operating Margin

TIME
21.2%
Shinkin Central Bank
LTM 3Y Avg 5Y Avg 10Y Avg
Time Finance PLC
Shinkin Central Bank
Not applicable for financial companies

Net Margin

TIME
16.1%
Shinkin Central Bank
20.5%

FCF Margin

TIME
3.2%
Shinkin Central Bank
LTM 3Y Avg 5Y Avg 10Y Avg
Time Finance PLC
Shinkin Central Bank
Not applicable for financial companies

ROE

TIME
8.4%
Shinkin Central Bank
1.8%

ROA

TIME
2.6%
Shinkin Central Bank
0.1%

ROIC

TIME
4.1%
Shinkin Central Bank
LTM 3Y Avg 5Y Avg 10Y Avg
Time Finance PLC
Shinkin Central Bank
Not applicable for financial companies

ROCE

TIME
5.4%
Shinkin Central Bank
LTM 3Y Avg 5Y Avg 10Y Avg
Time Finance PLC
Shinkin Central Bank
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
TIME, 8421

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Performance Gap
TIME, 8421

Performance Gap Between TIME and 8421
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Performance By Year
TIME, 8421

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TIME
8421
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Intrinsic Value is all-important and is the only logical way to evaluate the relative attractiveness of investments and businesses.

Warren Buffett