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Orchard Funding Group plc (ORCH.L)

GBp61.50 +0.00 (+0.00%)
GB LSE Financial Services Financial - Credit Services
Address 721 Capability Green LU1 3LU
Luton, GB
CEO Rabinder Singh Takhar
Website orchardfundinggroupplc.com
IPO 2015-07-01
ISIN GB00BYZFM569

Explore sections of this company profile

Description

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.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
GBp61.50 +0.00 (+0.00%)
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Volume Profile
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Liquidity & share structure
Average Volume
34.8K
Beta
-0.22
Float Shares
8.23M
Free Float %
38.6%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% +0.00% -7.69% -10.00% -10.74% -10.00% +13.45% +16.13% -4.42% -50.46% -44.33%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
61.50
DCF (Unlevered) 1,852.44 +2,912.1%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM)
Rating 2026-01 Change
Strong Buy 0 0
Buy 0 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
1.20
Distress
Piotroski F-Score
4 / 9
Average
MOAT Score
5 / 10
Developing
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
4 / 5
High
ROA Score
5 / 5
High
D/E Score
1 / 5
Low
P/E Score
4 / 5
High
P/Book Score
4 / 5
High
Operational MOAT
✗ Below peers
  • ✓
    Revenue growth Financial - Credit Services: +13.2%
    +8.9% Q3'25: +26.4% (vs Q3'23)
  • ✓
    EPS growth Financial - Credit Services: +24.0%
    +89.5% ★ Q3'25: +117.2% (vs Q3'23)
  • ✓
    FCF margin FCF growth · Financial - Credit Services: +70.9%
    +73.7% Q3'25: +152.1% (vs Q3'23)
  • ✓
    EBIT margin Financial - Credit Services: +28.7%
    +54.9% ★ Q3'25: +48.5% (vs Q3'23)
  • ✗
    ROIC Financial - Credit Services: +5.0%
    +8.0% ★ Q3'25: +14.5% (vs Q3'23)
  • ✓
    Share dilution Financial - Credit Services: +0.0%
    0.0% ★ Q3'25: 0.0% (vs Q3'23)
  • ✗
    Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×
    5.61× Q3'25: 3.21× (vs Q3'23)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
▶ WACC components (optional)
Ke (Cost of Equity) = Rf + β (-0.18) × ERP
WACC = 26% × Ke + 74% × Kd (4.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
—
Intrinsic value (base): 1,852.44 Current price: 61.50
Enterprise Value: — Equity Value: — Terminal Value: — TV as % of EV: —

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Jul 2015
actual 		Jul 2016
actual 		Jul 2017
actual 		Jul 2018
actual 		Jul 2019
actual 		Jul 2020
actual 		Jul 2021
actual 		Jul 2022
actual 		Jul 2023
actual 		Jul 2024
actual 		Jul 2025
actual 		Jul 2026
1 Rev. Ana.
1 EPS Ana. 		Jul 2027
1 Rev. Ana.
1 EPS Ana.
Revenue
3.41M
est: 3.04M (+12.0%)
3.23M
est: 3.21M (+0.6%)
4.23M
est: 4.51M (-6.2%)
3.63M
est: 5.50M (-34.1%)
4.92M
est: 5.46M (-9.8%)
5.28M
est: 5.33M (-0.9%)
4.60M
est: 4.48M (+2.7%)
6.19M
est: 5.90M (+5.0%)
7.86M
est: 8.00M (-1.7%)
9.64M
est: 8.24M (+17.0%)
10.50M
est: 10.70M (-1.9%)
11.05M
11.05M – 11.05M
+3.3% YoY
11.05M
11.05M – 11.05M
+0.0% YoY
EBITDA
—
est: 991.8K (-100.0%)
—
est: 1.05M (-100.0%)
1.69M
est: 1.81M (-6.7%)
1.95M
est: 2.06M (-5.6%)
2.11M
est: 1.78M (+18.6%)
2.29M
est: 1.73M (+32.0%)
1.12M
est: 1.46M (-22.9%)
1.94M
est: 1.92M (+1.1%)
2.22M
est: 2.27M (-2.4%)
2.23M
est: 5.98M (-62.8%)
5.86M
est: 7.77M (-24.6%)
8.03M
8.03M – 8.03M
+3.3% YoY
8.03M
8.03M – 8.03M
+0.0% YoY
EBIT
1.29M
est: 961.6K (+34.5%)
1.27M
est: 1.01M (+25.4%)
1.72M
est: 1.42M (+20.8%)
1.89M
est: 1.74M (+9.0%)
2.03M
est: 1.72M (+17.6%)
1.56M
est: 1.68M (-7.1%)
1.05M
est: 1.41M (-25.5%)
1.88M
est: 1.86M (+1.0%)
2.17M
est: 2.18M (-0.3%)
2.12M
est: 2.26M (-6.2%)
5.77M
est: 7.72M (-25.3%)
7.97M
7.97M – 7.97M
+3.3% YoY
7.97M
7.97M – 7.97M
+0.0% YoY
Net Income
1.03M
est: 1.83M (-43.6%)
1.00M
est: 1.05M (-4.4%)
1.34M
est: 1.41M (-5.0%)
1.51M
est: 1.47M (+2.6%)
1.63M
est: 1.06M (+54.2%)
1.27M
est: 969.1K (+31.4%)
839.0K
est: 747.4K (+12.3%)
1.52M
est: 1.62M (-6.4%)
1.71M
est: 1.76M (-2.8%)
1.58M
est: 1.38M (+14.7%)
3.07M
est: 3.02M (+1.7%)
3.29M
3.29M – 3.29M
+8.9% YoY
3.29M
3.29M – 3.29M
+0.0% YoY
SGA
1.17M
est: 345.7K (+238.1%)
1.88M
est: 364.5K (+416.9%)
2.51M
est: 2.64M (-4.9%)
777.0K
est: 624.5K (+24.4%)
905.0K
est: 619.4K (+46.1%)
934.0K
est: 604.7K (+54.5%)
712.0K
est: 508.4K (+40.0%)
962.0K
est: 669.5K (+43.7%)
1.07M
est: 2.54M (-57.7%)
1.17M
est: 935.2K (+24.8%)
—
est: 1.21M (-100.0%)
1.26M
1.26M – 1.26M
+3.3% YoY
1.26M
1.26M – 1.26M
+0.0% YoY
EPS
0.05
est: 0.09 (-43.6%)
0.05
est: 0.05 (-4.5%)
0.06
est: 0.06 (+8.3%)
0.07
est: 0.07 (+2.6%)
0.08
est: 0.05 (+54.2%)
0.06
est: 0.05 (+31.3%)
0.04
est: 0.04 (+12.3%)
0.07
est: 0.08 (-6.4%)
0.08
est: 0.08 (+0.2%)
0.07
est: 0.06 (+14.7%)
0.14
est: 0.14 (-0.9%)
0.15
0.15 – 0.15
+8.9% YoY
0.15
0.15 – 0.15
+0.0% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-29 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5
2026-05-28 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5
2026-05-27 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5
2026-05-26 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5
2026-05-22 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5
2026-05-21 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5
2026-05-20 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5
2026-05-19 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5
2026-05-18 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5
2026-05-15 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5
2026-05-14 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5
2026-05-13 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5
2026-05-12 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5
2026-05-11 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5
2026-05-08 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5
2026-05-07 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5
2026-05-06 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5
2026-05-05 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5
2026-05-01 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5
2026-04-30 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5
2026-04-29 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5
2026-04-28 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5
2026-04-27 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5
2026-04-24 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5
2026-04-23 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5
2026-04-22 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5
2026-04-21 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5
2026-04-20 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5
2026-04-17 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5
2026-04-16 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
1.18M
OE per share TTM
0.06
Owner's Yield
10.23%
Maintenance CapEx ratio
1.00%
Maint CapEx / Avg PPE
2.5%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
250.7K
Shares Outstanding
21.35M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Rabinder Singh Takhar Chief Executive Officer & Executive Director 593.0K male
William Leo McShane Part-Time Chief Financial Officer, Company Secretary & Executive Director 43.0K male
Iacovos Koumi Advisor 10.0K male
Christopher Charles Meyer Head of Sales — male
Emmia Louise Stratford Head of Operations — female
Rajiv Agarwal Director of Legal & Compliance — male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits

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