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Orchard Funding Group PLC

Financial Services GB ORCH

57.5GBX
2.00(3.60%)

Last update at 2026-06-11T15:23:00Z

Day Range

55.2757.81
LowHigh

52 Week Range

33.1767.86
LowHigh

Fundamentals

  • Previous Close 55.50
  • Market Cap11.96M
  • Volume258158
  • P/E Ratio4.00
  • Dividend Yield3.57%
  • Revenue TTM8.82M
  • Revenue Per Share TTM0.41
  • Gross Profit TTM 8.34M
  • Diluted EPS TTM0.14

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-07-31 2024-07-31 2023-07-31 2022-07-31 2021-07-31
Type yearly yearly yearly yearly yearly
Date 2025-07-31 2024-07-31 2023-07-31 2022-07-31 2021-07-31
Income before tax 4.01M 2.12M 2.17M 1.88M 1.05M
Minority interest - 0.01M - - -
Net income 3.07M 1.58M 1.71M 1.52M 0.84M
Selling general administrative - 0.31M 0.40M 0.42M 0.42M
Selling and marketing expenses - 0.85M 0.67M 0.54M 0.52M
Gross profit 9.93M 5.37M 3.94M 4.85M 3.44M
Reconciled depreciation - 0.10M 0.04M 0.06M 0.07M
Ebit 5.77M 2.13M 2.31M 1.88M 1.05M
Ebitda 5.86M 2.23M 2.36M 2.08M 0.99M
Depreciation and amortization 0.09M 0.10M 0.04M 0.21M -0.06000M
Non operating income net other - - - - -
Operating income 5.77M 2.11M 2.16M 1.88M 1.05M
Other operating expenses 4.73M 7.53M 5.56M 4.17M 3.68M
Interest expense - 0.00000M 0.00100M 0.00200M 0.00300M
Tax provision - 0.55M 0.46M 0.36M 0.21M
Interest income - 0.00600M 0.00900M 0.00100M 0.00300M
Net interest income - 0.00600M 0.00800M -0.00100M -0.00300M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 1.01M 0.55M 0.46M 0.36M 0.21M
Total revenue 10.50M 9.64M 7.86M 6.19M 4.60M
Total operating expenses - 3.26M 1.64M 2.83M 2.52M
Cost of revenue 0.57M 4.27M 3.92M 1.34M 1.16M
Total other income expense net -1.75400M 0.00600M 0.00800M -0.00100M -0.00300M
Discontinued operations - - - - -
Net income from continuing ops - 1.57M 1.71M 1.52M 0.84M
Net income applicable to common shares - - - 1.52M 0.84M
Preferred stock and other adjustments - - - - -
Breakdown 2025-07-31 2024-07-31 2023-07-31 2022-07-31 2021-07-31
Type yearly yearly yearly yearly yearly
Date 2025-07-31 2024-07-31 2023-07-31 2022-07-31 2021-07-31
Total assets 67.55M 69.19M 61.88M 48.84M 32.44M
Intangible assets - 0.14M - 0.00700M 0.00400M
Earning assets - - - - -
Other current assets -66.94200M 58.07M - 37.33M 27.85M
Total liab 46.04M 50.25M 44.13M 32.16M 16.64M
Total stockholder equity 21.54M 18.90M 17.75M 16.68M 15.80M
Deferred long term liab - - - - -
Other current liab -22.76100M 2.44M 2.84M 2.11M 1.05M
Common stock 0.21M 0.21M 0.21M 0.21M 0.21M
Capital stock - 0.21M 0.21M 0.21M 0.21M
Retained earnings 12.63M 9.10M 7.95M 6.88M 6.00M
Other liab - - - 0.00100M 0.00300M
Good will - - - - -
Other assets 67.55M - - - -
Cash 0.64M 1.48M 2.55M 4.80M 2.17M
Cash and equivalents - - - - -
Total current liabilities - 39.72M 35.48M 26.10M 15.76M
Current deferred revenue - - - - -
Net debt 32.22M 38.74M 32.17M 20.73M 10.15M
Short term debt 22.76M 29.69M 26.08M 19.47M 11.44M
Short long term debt - 29.69M 26.06M 19.44M 11.41M
Short long term debt total 32.86M 40.22M 34.72M 25.52M 12.32M
Other stockholder equity 8.69M 9.58M 9.58M 9.58M 9.58M
Property plant equipment - - - 0.03M 0.08M
Total current assets - 59.55M 53.85M 42.13M 30.02M
Long term investments - - - - -
Net tangible assets - - - 16.67M 15.80M
Short term investments - - - - -
Net receivables 66.30M - - 43.86M 30.00M
Long term debt - 10.53M 8.64M 6.04M 0.83M
Inventory - - - - -
Accounts payable - 7.00M 6.57M 4.52M 3.27M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income - - - - -
Additional paid in capital - - - - -
Common stock total equity - - - - -
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other -0.51800M 9.04M 7.97M 6.67M 2.34M
Deferred long term asset charges - - - - -
Non current assets total - 9.64M 8.03M 6.71M 2.42M
Capital lease obligations - 0.00000M 0.01M 0.04M 0.07M
Long term debt total - - - - -
Breakdown 2025-07-31 2024-07-31 2023-07-31 2022-07-31 2021-07-31
Type yearly yearly yearly yearly yearly
Date 2025-07-31 2024-07-31 2023-07-31 2022-07-31 2021-07-31
Investments - -0.62800M -0.09700M -0.01500M -0.07500M
Change to liabilities - - - 2.15M 1.24M
Total cashflows from investing activities -0.01400M -0.62800M - -0.01500M -0.07800M
Net borrowings - 5.47M - 13.21M 1.24M
Total cash from financing activities -7.83600M 5.03M 8.51M 12.56M 0.60M
Change to operating activities - - - -13.82000M -2.67900M
Net income 3.07M 2.11M 2.16M 1.88M 1.05M
Change in cash -0.84300M -1.06800M -2.24600M 2.63M -0.13000M
Begin period cash flow 1.48M 2.55M 4.80M 2.17M 2.30M
End period cash flow 0.64M 1.48M 2.55M 4.80M 2.17M
Total cash from operating activities 7.01M -5.47100M -10.66200M -9.92400M -0.64900M
Issuance of capital stock - - - - -
Depreciation 0.09M 0.10M 0.04M 0.06M 0.07M
Other cashflows from investing activities - -0.17500M - 0.00100M -0.07500M
Dividends paid 0.43M 0.43M 0.64M 0.64M 0.64M
Change to inventory - - - - -
Change to account receivables 0.72M -7.83700M - - -
Sale purchase of stock - - - - -
Other cashflows from financing activities - -0.01500M 9.15M 13.21M 12.21M
Change to netincome - - - 0.16M -0.12300M
Capital expenditures 0.01M 0.67M 0.11M 0.02M 0.00300M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital 2.90M -7.26200M -12.63800M -11.66500M -1.43600M
Stock based compensation - - - - -
Other non cash items 0.95M -0.41700M -0.23200M -0.20100M -0.33700M
Free cash flow 6.99M -6.13800M -10.77000M -9.94000M -0.65200M

Peer Comparison

Sector: Financial Services Industry: Credit Services

Company Change (GBX) Price (GBX) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x) Enterprise Value to EBITDA (x)
ORCH
Orchard Funding Group PLC		 2.00 3.60% 57.50 4.00 2.77 1.36 0.54 4.18 10.69
IPF
International Personal Finance PLC		 - -% 247.50 10.25 9.48 0.73 0.99 1.77
FCH
Funding Circle Holdings PLC		 2.60 1.89% 140.00 10.00 14.04 1.97 1.67 2.25 15.97
SUS
S&U plc		 -12.5 0.64% 1935.00 11.83 9.30 3.52 1.02 4.66 9.84
ASAI
ASA International Group PLC		 5.40 2.76% 201.40 6.19 3.58 0.89 1.77 2.72

Reports Covered

Stock Research & News

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Profile

Orchard Funding Group plc, through its subsidiaries, offers insurance premium finance, professional fee funding, finance, and secured property lending services in the United Kingdom. It operates in two segments, Standard Lending and Toyota Products. The company provides finance to businesses and consumers for spreading the cost of their insurance premiums; and professional customized fee funding solutions to accounting firms, professionals, and small businesses to provide extended credit to their business clients. Orchard Funding Group plc was founded in 2002 and is based in Luton, the United Kingdom.

Orchard Funding Group PLC

222 Armstrong Road, Luton, United Kingdom, LU2 0FY

Key Executives

Name Title Year Born
Mr. Rabinder Singh Takhar CEO & Exec. Director 1965
Mr. William Leo McShane Part-Time CFO, Company Sec. & Exec. Director 1958
Ms. Emmia Louise Stratford Head of Operations 1980
Mr. Rajiv Agarwal Director of Legal & Compliance NA
Mr. Christopher Charles Meyer Head of Sales 1968
Mr. Iacovos Koumi Advisor 1958
Mr. Rabinder Singh Takhar CEO & Executive Director 1965
Mr. William Leo McShane Part-Time CFO, Company Secretary & Executive Director 1958

Disclaimer - This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
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