{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "dd72e8b8-5dd1-41be-ae5b-8d15b8e19c36",
    "symbol": "TIME",
    "name": "Time Finance plc",
    "exchange": "LSE",
    "country_code": "GB",
    "country_name": "United Kingdom",
    "sector": "Financial Services",
    "industry": "Credit Services",
    "chart_url": "https://sharemaestro.com/terminal/dd72e8b8-5dd1-41be-ae5b-8d15b8e19c36/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "dd72e8b8-5dd1-41be-ae5b-8d15b8e19c36",
      "symbol": "TIME",
      "name": "Time Finance plc",
      "exchange": "LSE",
      "country_code": "GB",
      "country_name": "United Kingdom",
      "sector": "Financial Services",
      "industry": "Credit Services",
      "chart_url": "https://sharemaestro.com/terminal/dd72e8b8-5dd1-41be-ae5b-8d15b8e19c36/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "TIME.L",
    "market_cap": 43089192.0,
    "market_cap_usd": 3804684061.0,
    "price": 47.0,
    "currency": "GBP",
    "dividend_yield": 0.01787234,
    "dividend_years": 5,
    "dividend_growth_5y": 0.24466594,
    "dividend_cut_5y": false,
    "payout_ratio": 0.0,
    "net_income": 5862000.0,
    "free_cash_flow": 4566000.0,
    "fcf_covers_dividend": true,
    "debt_to_equity": 1.138,
    "revenue_growth_5y": 0.1814377,
    "net_margin": 0.16081,
    "roe": 0.08436,
    "pe_ratio": 6.714286,
    "price_vs_ma": -0.01707912,
    "return_3y": 0.77358491,
    "return_5y": 0.74074074,
    "max_drawdown": -0.51968504,
    "scores": {
      "dividend_reliability": 17.75,
      "dividend_sustainability": 18.5,
      "business_quality": 22.5,
      "valuation": 13.0,
      "trend": 7.0,
      "total": 78.75,
      "confidence": 100.0
    },
    "rating": "high_quality",
    "rating_label": "High Quality Watchlist Candidate",
    "decision": "watchlist",
    "decision_label": "Watchlist",
    "warnings": [],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/dd72e8b8-5dd1-41be-ae5b-8d15b8e19c36/",
      "chart": "https://sharemaestro.com/terminal/dd72e8b8-5dd1-41be-ae5b-8d15b8e19c36/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 17.75,
    "dividend_sustainability": 18.5,
    "business_quality": 22.5,
    "valuation": 13.0,
    "trend": 7.0,
    "total": 78.75,
    "confidence": 100.0
  },
  "warnings": [],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "qualified",
      "severity": "positive",
      "ticker": "TIME",
      "exchange": "LSE",
      "headline": "TIME qualified as a dividend compounder candidate",
      "detail": "Score 78.75/100, decision Watchlist.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/dd72e8b8-5dd1-41be-ae5b-8d15b8e19c36/"
    },
    {
      "event_date": "2019-10-31",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "TIME",
      "exchange": "LSE",
      "headline": "Dividend increased 100.0%",
      "detail": "Payment changed from 0.28 to 0.56.",
      "amount": 0.56,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/dd72e8b8-5dd1-41be-ae5b-8d15b8e19c36/"
    },
    {
      "event_date": "2019-10-31",
      "event_type": "payment",
      "severity": "info",
      "ticker": "TIME",
      "exchange": "LSE",
      "headline": "TIME dividend payment 0.56 GBP",
      "detail": "Recorded dividend payment for Time Finance plc.",
      "amount": 0.56,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/dd72e8b8-5dd1-41be-ae5b-8d15b8e19c36/"
    },
    {
      "event_date": "2019-04-04",
      "event_type": "cut",
      "severity": "negative",
      "ticker": "TIME",
      "exchange": "LSE",
      "headline": "Dividend cut -56.9%",
      "detail": "Payment changed from 0.65 to 0.28.",
      "amount": 0.28,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/dd72e8b8-5dd1-41be-ae5b-8d15b8e19c36/"
    },
    {
      "event_date": "2019-04-04",
      "event_type": "payment",
      "severity": "info",
      "ticker": "TIME",
      "exchange": "LSE",
      "headline": "TIME dividend payment 0.28 GBP",
      "detail": "Recorded dividend payment for Time Finance plc.",
      "amount": 0.28,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/dd72e8b8-5dd1-41be-ae5b-8d15b8e19c36/"
    },
    {
      "event_date": "2018-09-20",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "TIME",
      "exchange": "LSE",
      "headline": "Dividend increased 30.0%",
      "detail": "Payment changed from 0.5 to 0.65.",
      "amount": 0.65000004,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/dd72e8b8-5dd1-41be-ae5b-8d15b8e19c36/"
    },
    {
      "event_date": "2018-09-20",
      "event_type": "payment",
      "severity": "info",
      "ticker": "TIME",
      "exchange": "LSE",
      "headline": "TIME dividend payment 0.65 GBP",
      "detail": "Recorded dividend payment for Time Finance plc.",
      "amount": 0.65000004,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/dd72e8b8-5dd1-41be-ae5b-8d15b8e19c36/"
    },
    {
      "event_date": "2017-09-21",
      "event_type": "payment",
      "severity": "info",
      "ticker": "TIME",
      "exchange": "LSE",
      "headline": "TIME dividend payment 0.5 GBP",
      "detail": "Recorded dividend payment for Time Finance plc.",
      "amount": 0.5,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/dd72e8b8-5dd1-41be-ae5b-8d15b8e19c36/"
    },
    {
      "event_date": "2016-09-15",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "TIME",
      "exchange": "LSE",
      "headline": "Dividend increased 42.9%",
      "detail": "Payment changed from 0.35 to 0.5.",
      "amount": 0.5,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/dd72e8b8-5dd1-41be-ae5b-8d15b8e19c36/"
    },
    {
      "event_date": "2016-09-15",
      "event_type": "payment",
      "severity": "info",
      "ticker": "TIME",
      "exchange": "LSE",
      "headline": "TIME dividend payment 0.5 GBP",
      "detail": "Recorded dividend payment for Time Finance plc.",
      "amount": 0.5,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/dd72e8b8-5dd1-41be-ae5b-8d15b8e19c36/"
    },
    {
      "event_date": "2015-08-06",
      "event_type": "payment",
      "severity": "info",
      "ticker": "TIME",
      "exchange": "LSE",
      "headline": "TIME dividend payment 0.35 GBP",
      "detail": "Recorded dividend payment for Time Finance plc.",
      "amount": 0.35000002,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/dd72e8b8-5dd1-41be-ae5b-8d15b8e19c36/"
    }
  ]
}