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Home CompaniesOrchard Funding Group PLC

Orchard Funding Group PLC

Financial Services Credit Services
PortfolioPortfolio WatchlistWatchlist
Company price
68.0 GBX 2.00 ( 3.03%)
Last update at 2026-10-27T12:26:00Z
VOLUME
57616
Market Cap
11.96M
P/E
4.00

Momentum Score

…

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.

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

Day Price Range
66.22
Low
69.00
High
52 Week Price Range
33.17
Low
67.86
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High

Key Metrics*

Previous Close
66.00
Dividend Yield
3.57%
Revenue TTM
8.82M
Revenue Per Share
0.41
Gross Profit TTM
8.34M
Debt / Equity
1.53
ROE
14.86%
Net Debt
32.22M
ROCE
19.57%
Diluted EPS TTM
0.14

Key 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 -0.06M
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 - 0.00M 0.00M 0.00M 0.00M
Tax provision - 0.55M 0.46M 0.36M 0.21M
Interest income - 0.01M 0.01M 0.00M 0.00M
Net interest income - 0.01M 0.01M -0.00M -0.00M
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 -1.75M 0.01M 0.01M -0.00M -0.00M
Net income from continuing ops - 1.57M 1.71M 1.52M 0.84M
Net income applicable to common shares - - - 1.52M 0.84M
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 - 0.01M 0.00M
Other current assets -66.94M 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
Other current liab -22.76M 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 - - - 0.00M 0.00M
Other assets 67.55M - - - -
Cash 0.64M 1.48M 2.55M 4.80M 2.17M
Total current liabilities - 39.72M 35.48M 26.10M 15.76M
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
Net tangible assets - - - 16.67M 15.80M
Net receivables 66.30M - - 43.86M 30.00M
Long term debt - 10.53M 8.64M 6.04M 0.83M
Accounts payable - 7.00M 6.57M 4.52M 3.27M
Non currrent assets other -0.52M 9.04M 7.97M 6.67M 2.34M
Non current assets total - 9.64M 8.03M 6.71M 2.42M
Capital lease obligations - 0.00M 0.01M 0.04M 0.07M
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 - -0.63M -0.10M -0.01M -0.07M
Change to liabilities - - - 2.15M 1.24M
Total cashflows from investing activities -0.01M -0.63M - -0.01M -0.08M
Net borrowings - 5.47M - 13.21M 1.24M
Total cash from financing activities -7.84M 5.03M 8.51M 12.56M 0.60M
Change to operating activities - - - -13.82M -2.68M
Net income 3.07M 2.11M 2.16M 1.88M 1.05M
Change in cash -0.84M -1.07M -2.25M 2.63M -0.13M
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 -5.47M -10.66M -9.92M -0.65M
Depreciation 0.09M 0.10M 0.04M 0.06M 0.07M
Other cashflows from investing activities - -0.17M - 0.00M -0.07M
Dividends paid 0.43M 0.43M 0.64M 0.64M 0.64M
Change to account receivables 0.72M -7.84M - - -
Other cashflows from financing activities - -0.01M 9.15M 13.21M 12.21M
Change to netincome - - - 0.16M -0.12M
Capital expenditures 0.01M 0.67M 0.11M 0.02M 0.00M
Change in working capital 2.90M -7.26M -12.64M -11.66M -1.44M
Other non cash items 0.95M -0.42M -0.23M -0.20M -0.34M
Free cash flow 6.99M -6.14M -10.77M -9.94M -0.65M

Peer Comparison*

Sector: Financial Services Industry: Credit Services

Stock Name
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
3.03%		 68.00 4.00 2.77 1.36 0.54 4.18 10.69
FCH
Funding Circle Holdings PLC		 1.50
0.71%		 214.00 10.00 14.04 1.97 1.67 2.25 15.97
47IE
S&U plc		 -64.35
99.00%		 0.65 - - 5.12 - - -
SUS
S&U plc		 30.00
1.60%		 1910.00 11.83 9.30 3.52 1.02 4.66 9.84
ASAI
ASA International Group PLC		 6.00
2.40%		 256.00 6.19 3.58 0.89 1.77 2.72 -

Profile*

Orchard Funding Group PLC

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.

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

44 15 8234 6248

https://www.orchardfundinggroupplc.com

23

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.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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