Orchard Funding Group PLC (GB:ORCH)
LSE:ORCH
ORCH Stock Chart & Stats
60.00 p
-0.50 p(-1.69%)
At close: 4:00 PM EST
60.00 p
-0.50 p(-1.69%)
Day’s Range― - ―
52-Week Range34.40 p - 69.00 p
Previous CloseN/A
Volume1.83M
Average Volume (3M)31.44K
Market Cap
£11.64M
Enterprise Value43.86M
Total Cash (Recent Filing)£639.00K
Total Debt (Recent Filing)£32.86M
Price to Earnings (P/E)4.3
Beta-0.83
Next Earnings
Dec 16, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield3.33%
Share Statistics
EPS (TTM)N/A
Shares Outstanding21,354,168
10 Day Avg. Volume34,771
30 Day Avg. Volume31,443
Financial Highlights & Ratios
PEG Ratio0.05
Price to Book (P/B)0.61
Price to Sales (P/S)1.26
P/FCF Ratio1.89
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)0.15
Revenue Forecast (FY)£11.05M
Bulls Say, Bears Say
Bulls Say
Revenue Growth TrajectorySustained and material revenue expansion in 2025 indicates the business is gaining scale and market traction within its niche lending verticals. Durable top-line growth supports capacity to absorb credit costs, fund loan book growth, and invest in underwriting capabilities over the medium term.
Improved Profitability / MarginsA sharp margin improvement reflects either pricing power, better underwriting, or operating leverage. Higher and sustainable margins materially enhance cash generation and return on equity, improving resilience to funding cost moves and enabling reinvestment or shareholder returns over multiple cycles.
Recent Cash Generation ReboundThe 2025 rebound to positive operating and free cash flow roughly in line with earnings demonstrates improving cash conversion. If sustained, this strengthens liquidity, funds loan growth internally and reduces reliance on external financing, supporting longer-term stability.
Bears Say
High Leverage / Funding SensitivityElevated leverage increases sensitivity to rising funding costs and credit stress, constraining financial flexibility. In a specialist lending model, high debt-to-equity raises refinancing and covenant risks and increases earnings volatility if loan performance or interest margins deteriorate.
Inconsistent Cash Flow HistoryHistoric multi-year negative operating and free cash flow underscores volatility in cash conversion and raises execution risk. A single-year rebound is encouraging, but inconsistent cash generation impairs ability to self-fund growth, build buffers, or rapidly de-lever during downturns.
Operational / Earnings VolatilityEvidence of prior revenue declines and margin swings suggests the business is cyclical and sensitive to credit cycles or client demand. Persistent volatility complicates forecasting, capital planning and may necessitate higher capital buffers or conservative underwriting to sustain long-term returns.
Orchard Funding News
ORCH FAQ
What was Orchard Funding Group PLC’s price range in the past 12 months?
Orchard Funding Group PLC lowest share price was 34.40 p and its highest was 69.00 p in the past 12 months.
What is Orchard Funding Group PLC’s market cap?
Orchard Funding Group PLC’s market cap is £11.64M.
When is Orchard Funding Group PLC’s upcoming earnings report date?
Orchard Funding Group PLC’s upcoming earnings report date is Dec 16, 2026 which is in 254 days.
How were Orchard Funding Group PLC’s earnings last quarter?
Currently, no data Available
Is Orchard Funding Group PLC overvalued?
According to Wall Street analysts Orchard Funding Group PLC’s price is currently Overvalued.
Does Orchard Funding Group PLC pay dividends?
Orchard Funding Group PLC pays a Annually dividend of 1 p which represents an annual dividend yield of 3.33%. See more information on Orchard Funding Group PLC dividends here
What is Orchard Funding Group PLC’s EPS estimate?
Orchard Funding Group PLC’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Orchard Funding Group PLC have?
Orchard Funding Group PLC has 21,354,168 shares outstanding.
What happened to Orchard Funding Group PLC’s price movement after its last earnings report?
Currently, no data Available
Which hedge fund is a major shareholder of Orchard Funding Group PLC?
Currently, no hedge funds are holding shares in GB:ORCH
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
Orchard Funding Group PLC
Orchard Funding Group plc, through its subsidiaries, provides insurance premium finance, professional fee funding, and finance services in the United Kingdom. It offers credit to businesses and consumers to spread the cost of their insurance premiums; and professional customized fee funding solutions to accounting firms, professionals, and small businesses to spread the costs of their professional fees. The company was founded in 2002 and is based in Luton, the United Kingdom.
Technical Analysis
Time Finance plc
―
Immedia
―
Sancus Lending Group
―
Funding Circle Holdings
―
Zaim Credit Systems Plc
―