Orchard Funding Group PLC

ORCH · LSE · Financial Services / Credit Services

75.50GBX-0.50 (-0.66%)

Price History

Full chart

Market Stats

Previous Close76.00

Open76.00

Day Range74.00 – 77.56

52-Week Range48.30 – 68.50

Volume38.14K

Market Cap12.92M

P/E (TTM)4.32

Forward P/E3.93

EPS0.14

Dividend Yield3.31%

Beta-0.23

50-Day Avg61.59

200-Day Avg59.23

About

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. Orchard Funding Group plc was founded in 2002 and is based in Luton, the United Kingdom.

Company Details

SectorFinancial Services
IndustryCredit Services
CEOMr. Rabinder Singh Takhar
Employees23
Headquarters222 Armstrong Road, Luton, United Kingdom, LU2 0FY, UK
Websitehttps://www.orchardfundinggroupplc.com

Leadership

Mr. Rabinder Singh TakharCEO & Executive Director · b. 1965
Mr. William Leo McShanePart-Time CFO, Company Secretary & Executive Director · b. 1958
Ms. Emmia Louise StratfordHead of Operations · b. 1980
Mr. Rajiv AgarwalDirector of Legal & Compliance
Mr. Christopher Charles MeyerHead of Sales · b. 1968

Financials

Income Statement

Currency: GBP	2012-07-31	2013-07-31	2014-07-31	2015-07-31	2016-07-31	2017-07-31	2018-07-31	2019-07-31	2020-07-31	2021-07-31	2022-07-31	2023-07-31	2024-07-31	2025-07-31	2026-01-31
Total Revenue	2.73M	2.85M	866.00K	3.41M	3.23M	4.23M	3.63M	4.92M	5.28M	4.60M	6.19M	7.86M	9.64M	10.50M	10.49M
Growth (%)	-	+4.47%	-69.61%	+293.75%	-5.25%	+30.96%	-14.32%	+35.70%	+7.34%	-12.88%	+34.57%	+27.04%	+22.58%	+8.91%	-0.13%
Cost of Revenue	953.00K	902.00K	866.00K	947.58K	96.55K	125.46K	591.00K	712.00K	597.00K	1.23M	1.41M	3.73M	4.27M	572.00K	176.00K
Gross Profit	-	-	2.13M	2.46M	3.13M	4.11M	3.03M	4.21M	4.68M	3.37M	4.78M	4.14M	5.37M	9.93M	10.31M
Gross Margin	-	-	245.95%	72.21%	97.01%	97.03%	83.70%	85.53%	88.69%	73.20%	77.29%	52.59%	55.74%	94.55%	98.32%
Operating Expense	-	-	1.10M	1.17M	1.86M	2.46M	1.95M	2.09M	2.48M	2.31M	2.90M	1.90M	3.26M	4.16M	5.92M
Operating Income	-1.12M	-1.20M	1.03M	1.29M	1.27M	1.64M	1.09M	2.12M	2.20M	1.05M	1.88M	2.24M	2.11M	5.77M	4.39M
Operating Margin	-40.91%	-42.07%	119.40%	37.93%	39.33%	38.79%	29.96%	43.12%	41.72%	22.89%	30.36%	28.45%	21.92%	54.93%	41.88%
EBITDA	-1.12M	-1.20M	985.11K	1.30M	1.53M	1.69M	1.95M	2.11M	2.29M	1.12M	1.94M	2.22M	2.23M	5.86M	6.51M
EBITDA Margin	-40.91%	-42.07%	113.75%	38.17%	47.34%	39.92%	53.77%	42.85%	43.35%	24.43%	31.37%	28.19%	23.08%	55.78%	62.11%
Net Income	-1.12M	-1.20M	-1.08M	1.03M	1.00M	1.34M	1.51M	1.63M	1.27M	839.00K	1.52M	1.71M	1.58M	3.07M	3.29M
Net Income Margin	-40.91%	-42.07%	-125.29%	30.34%	31.08%	31.62%	41.71%	33.22%	24.11%	18.24%	24.52%	21.78%	16.38%	29.21%	31.38%
R&D	-	-	-	-	7.08K	28.00K	38.00K	36.00K	26.00K	12.00K	9.00K	23.00K	-	-	74.67K
R&D as % of Total Revenue	-	-	-	-	0.22%	0.66%	1.05%	0.73%	0.49%	0.26%	0.15%	0.29%	-	-	0.71%
Interest Expense	1.65M	1.81M	239.00K	0	238.08K	329.48K	553.00K	4.00K	2.00K	3.00K	2.00K	1.00K	0	1.72M	2.03M
Interest Expense % of Total Revenue	60.34%	63.68%	27.60%	0.00%	7.37%	7.79%	15.26%	0.08%	0.04%	0.07%	0.03%	0.01%	0.00%	16.37%	19.36%

Balance Sheet

Currency: GBP	2012-07-31	2013-07-31	2014-07-31	2015-07-31	2016-07-31	2017-07-31	2018-07-31	2019-07-31	2020-07-31	2021-07-31	2022-07-31	2023-07-31	2024-07-31	2025-07-31	2026-01-31
Total Assets	8.03M	8.43M	8.20M	20.78M	23.53M	30.43M	32.49M	34.59M	29.89M	32.44M	48.84M	61.88M	69.19M	67.55M	67.82M
Total Liabilities	7.78M	8.32M	8.15M	9.14M	11.19M	17.26M	18.45M	391.00K	14.29M	16.64M	32.16M	44.13M	50.25M	46.04M	44.61M
Total Equity	250.00K	104.00K	49.00K	11.64M	12.34M	13.17M	14.04M	14.97M	15.60M	15.80M	16.68M	17.75M	18.90M	21.54M	23.19M
Cash	17.00K	27.00K	80.00K	2.85M	1.39M	1.73M	1.29M	2.14M	2.30M	2.17M	4.80M	2.55M	1.48M	639.00K	1.07M
Total Debt	5.63M	6.34M	6.10M	7.02M	9.24M	13.79M	16.06M	16.23M	11.08M	12.32M	25.52M	34.72M	40.22M	32.86M	33.64M
Net Debt	5.62M	6.32M	6.02M	4.16M	7.85M	12.06M	14.77M	14.09M	8.78M	10.15M	20.73M	32.17M	38.74M	32.22M	32.57M

Cash Flow

Currency: GBP	2012-07-31	2013-07-31	2014-07-31	2015-07-31	2016-07-31	2017-07-31	2018-07-31	2019-07-31	2020-07-31	2021-07-31	2022-07-31	2023-07-31	2024-07-31	2025-07-31	2026-01-31
Operating Cash Flow	-1.05M	-238.00K	700.00K	2.18M	-3.23M	-3.64M	-2.06M	1.50M	6.07M	-649.00K	-9.92M	-10.66M	-5.47M	7.01M	6.89M
Investing Cash Flow	-	-	-17.85K	-828	-112.87K	-61.00K	-6.00K	-108.00K	-20.00K	-78.00K	-16.00K	-97.00K	-628.00K	-14.00K	-15.00K
Financing Cash Flow	1.11M	185.00K	-710.00K	750.80K	1.88M	4.04M	1.62M	-537.00K	-5.89M	597.00K	12.56M	8.51M	5.03M	-7.84M	-7.28M
Capital Expenditure	0	0	17.85K	828	61.92K	2.00K	1.00K	16.00K	29.00K	3.00K	16.00K	65.00K	667.00K	14.00K	15.00K
Free Cash Flow	-1.05M	-238.00K	682.15K	2.18M	-3.29M	-3.64M	-2.06M	1.48M	6.04M	-652.00K	-9.94M	-10.72M	-6.14M	6.99M	6.87M
Dividends Paid	-	56.00K	168.00K	137.50K	300.03K	513.57K	641.00K	641.00K	641.00K	641.00K	641.00K	641.00K	427.00K	427.00K	427.33K
FCF to OCF	100.00%	100.00%	97.45%	99.96%	101.92%	100.05%	100.05%	98.93%	99.52%	100.46%	100.16%	100.53%	112.19%	99.80%	99.78%
Dividend Paid to FCF	-	-23.53%	24.63%	6.32%	-9.12%	-14.10%	-31.12%	43.25%	10.61%	-98.31%	-6.45%	-5.98%	-6.96%	6.11%	6.22%

Earnings

Report Date	Apr 14, 2016	Nov 14, 2016	Mar 30, 2017	Nov 13, 2017	Mar 27, 2018	Oct 15, 2018	Mar 11, 2019	Oct 31, 2019	Mar 23, 2020	Oct 27, 2020	Mar 9, 2021	Oct 26, 2021	Mar 29, 2022	Oct 27, 2022	Apr 6, 2023	Mar 31, 2025	Oct 1, 2025	Dec 10, 2025
EPS Estimate	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	-	-	0.00	-	0.00	0.00	0.00
EPS Actual	0.03	0.02	0.03	0.03	0.04	0.03	0.04	0.03	0.04	0.02	0.02	0.02	0.04	0.03	0.05	0.07	0.07	0.00
Surprise	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Timing	After-hours	Pre-market	Pre-market	-	Pre-market	-	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	After-hours	Pre-market	-	-	-

Key Statistics & Ratios

Market Cap12.92M

Enterprise Value45.49M

Trailing P/E4.32

Forward P/E3.93

Price / Sales1.44

Price / Book0.56

EPS0.14

Book Value1.09

Revenue (TTM)8.94M

Gross Profit (TTM)8.48M

Profit Margin36.79%

Operating Margin42.25%

Return on Equity14.86%

Return on Assets4.40%

Shares Outstanding21.35M

Shares Float7.93M

Beta-0.23

Dividend Yield3.31%

Dividend Rate0.02

Payout Ratio0.00%

Dividends

20263×

0.02Oct 22, 20260.01Jul 9, 20260.01Jun 11, 2026

20252×

0.01Dec 4, 20250.01Jun 12, 2025

20241×

0.02Jan 18, 2024

20231×

0.01Jun 8, 2023

20222×

0.02Dec 22, 20220.01Jun 9, 2022

20212×

0.02Dec 9, 20210.01Jun 10, 2021

20202×

0.02Dec 10, 20200.01Jun 11, 2020

20192×

0.02Dec 12, 20190.01Jun 13, 2019

20182×

0.02Dec 13, 20180.01Jun 14, 2018

20172×

0.02Dec 7, 20170.01Jun 22, 2017

20162×

0.01Dec 15, 20160.01Apr 21, 2016