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 Range36.04 p - 69.00 p
Previous CloseN/A
Volume1.83M
Average Volume (3M)31.44K
Market Cap
£11.53M
Enterprise Value43.75M
Total Cash (Recent Filing)£639.00K
Total Debt (Recent Filing)£32.86M
Price to Earnings (P/E)2.2
Beta-0.70
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
Margin ExpansionA near-doubling of net margin to ~29% reflects structurally improved underwriting and pricing power in Orchard's niche lending model. Higher margins sustainably boost earnings retention, support reinvestment or distributions, and provide a cushion against credit shocks over multiple quarters.
Sustained Revenue GrowthMaterial top-line expansion indicates growing market share within specialist sectors (professional, insurance premium lending). Durable revenue growth improves scale economics, diversifies loan pools, and enhances capacity to absorb costs, underpinning medium-term profitability.
Improved Cash Generation In 2025Positive operating and free cash flow in 2025 signals improved cash conversion and internal funding ability. Sustained cash generation reduces reliance on external financing, supports deleveraging or shareholder returns, and bolsters resilience against future funding cost increases.
Bears Say
High LeverageElevated leverage materially increases sensitivity to rising funding costs and credit stress for a lending business. Higher debt constrains strategic flexibility, magnifies losses in downturns, and can force asset sales or costly refinancing, limiting durable growth options.
Inconsistent Cash ConversionMulti-year swings from negative to positive cash flow indicate unstable cash conversion and forecasting difficulty. This inconsistency undermines confidence in funding self-sufficiency, raising the chance the company must access volatile wholesale markets during stress periods.
Operational Volatility And Cyclical SensitivityHistoric revenue declines and uneven margins point to sensitivity to economic and credit cycles. As a specialist lender concentrated in professional/insurance niches, Orchard faces concentration and cyclical risks that can produce uneven earnings and credit losses across 2-6 month horizons.
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 36.04 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 £11.53M.
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 209 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
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