Orchard Funding Group PLC (GB:ORCH)
LSE:ORCH
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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 Range46.00 p - 69.00 p
Previous CloseN/A
Volume1.83M
Average Volume (3M)31.44K
Market Cap
£11.85M
Enterprise Value43.75M
Total Cash (Recent Filing)£639.00K
Total Debt (Recent Filing)£32.86M
Price to Earnings (P/E)3.9
Beta-0.68
Next Earnings
Dec 16, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield3.33%
Share Statistics
EPS (TTM)0.14
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 & Margin ImprovementSustained revenue expansion and a sharp net margin lift to ~29% indicate the core lending business is generating higher profitability per loan. Over the medium term this supports internal capital generation, improves resilience to credit costs and creates room to reinvest in distribution or absorb shocks.
Recovery In Cash GenerationThe 2025 swing to positive operating and free cash flow (~£7m) demonstrates the company can convert earnings into liquidity. Durable cash generation supports debt servicing, potential targeted deleveraging and predictable funding for lending growth when sustained beyond a single-year rebound.
Improving ROE And Equity BaseROE improving to ~14% signals more efficient capital deployment in the lending franchise. A growing equity base reduces reliance on wholesale funding over time, enhancing capital buffers and long-term capacity to absorb credit losses or pursue opportunistic lending growth.
Bears Say
Elevated LeverageHigh debt-to-equity elevates sensitivity to rising funding costs and any downturn in loan demand. For a credit services firm, leverage constrains strategic flexibility, increases refinancing risk and can amplify earnings pressure during stress, limiting long-term stability if not reduced.
Inconsistent Cash ConversionHistoric negative operating and free cash flow across 2022–2024 shows cash conversion is volatile. Even with 2025 improvement, this inconsistency complicates planning for debt repayment, dividends and lending growth, leaving the business exposed if cash performance reverts.
Cyclicality And Margin VolatilityA history of uneven revenue and margin swings, including prior revenue declines, highlights sensitivity to economic and sector cycles. Such cyclicality makes sustainable forecasting harder, raising the risk that recent margin gains could reverse under adverse market or credit conditions.
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 46.00 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 £11.85M.
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 188 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 is a UK-based financial services company, operating through its various subsidiaries, which specializes in providing flexible financing solutions. The company enables both businesses and individual customers to manage the expense of their insurance premiums by offering credit, allowing them to spread payments over time. Additionally, it delivers tailored funding arrangements for professional fees to a diverse clientele, including accounting firms, independent professionals, and small enterprises, helping them to distribute their service costs. Established in 2002, Orchard Funding Group plc's principal operations are headquartered in Luton, United Kingdom.
Technical Analysis
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