ORCH Stock Overview
Orchard Funding Group plc, through its subsidiaries, provides insurance premium finance, professional fee funding, and finance services in the United Kingdom.
+ 1 more risk
Price History & Performance
|Historical stock prices|
|Current Share Price||UK£0.49|
|52 Week High||UK£0.62|
|52 Week Low||UK£0.46|
|1 Month Change||-5.71%|
|3 Month Change||-10.00%|
|1 Year Change||-13.91%|
|3 Year Change||-47.90%|
|5 Year Change||-41.42%|
|Change since IPO||-48.97%|
Recent News & Updates
Orchard Funding Group (LON:ORCH) Has Affirmed Its Dividend Of UK£0.02
Orchard Funding Group plc ( LON:ORCH ) will pay a dividend of UK£0.02 on the 17th of December. This means the annual...
Orchard Funding Group (LON:ORCH) Will Pay A Dividend Of UK£0.02
Orchard Funding Group plc ( LON:ORCH ) will pay a dividend of UK£0.02 on the 17th of December. The dividend yield is...
Is Orchard Funding Group plc's (LON:ORCH) 5.7% Dividend Sustainable?
Dividend paying stocks like Orchard Funding Group plc ( LON:ORCH ) tend to be popular with investors, and for good...
|ORCH||GB Diversified Financial||GB Market|
Return vs Industry: ORCH underperformed the UK Diversified Financial industry which returned 9.4% over the past year.
Return vs Market: ORCH underperformed the UK Market which returned 8.7% over the past year.
|ORCH Average Weekly Movement||1.9%|
|Diversified Financial Industry Average Movement||4.6%|
|Market Average Movement||5.0%|
|10% most volatile stocks in GB Market||10.5%|
|10% least volatile stocks in GB Market||2.4%|
Stable Share Price: ORCH is less volatile than 75% of UK stocks over the past 3 months, typically moving +/- 2% a week.
Volatility Over Time: ORCH's weekly volatility (2%) has been stable over the past year.
About the Company
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.
Orchard Funding Group Fundamentals Summary
|ORCH fundamental statistics|
Is ORCH overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|ORCH income statement (TTM)|
|Cost of Revenue||UK£603.00k|
Last Reported Earnings
Jul 31, 2021
Next Earnings Date
|Earnings per share (EPS)||0.039|
|Net Profit Margin||18.87%|
How did ORCH perform over the long term?See historical performance and comparison
6.1%Current Dividend Yield
Is Orchard Funding Group undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: ORCH (£0.5) is trading below our estimate of fair value (£0.9)
Significantly Below Fair Value: ORCH is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: ORCH is good value based on its PE Ratio (12.6x) compared to the UK Diversified Financial industry average (13.4x).
PE vs Market: ORCH is good value based on its PE Ratio (12.6x) compared to the UK market (19.5x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate ORCH's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: ORCH is good value based on its PB Ratio (0.7x) compared to the GB Diversified Financial industry average (1.2x).
How is Orchard Funding Group forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?
Forecasted annual revenue growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: Insufficient data to determine if ORCH's forecast earnings growth is above the savings rate (0.9%).
Earnings vs Market: Insufficient data to determine if ORCH's earnings are forecast to grow faster than the UK market
High Growth Earnings: Insufficient data to determine if earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: ORCH's revenue (14.6% per year) is forecast to grow faster than the UK market (4.8% per year).
High Growth Revenue: ORCH's revenue (14.6% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: Insufficient data to determine if ORCH's Return on Equity is forecast to be high in 3 years time
How has Orchard Funding Group performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: ORCH has high quality earnings.
Growing Profit Margin: ORCH's current net profit margins (18.9%) are lower than last year (27.2%).
Past Earnings Growth Analysis
Earnings Trend: ORCH's earnings have declined by 2% per year over the past 5 years.
Accelerating Growth: ORCH's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: ORCH had negative earnings growth (-34.1%) over the past year, making it difficult to compare to the Diversified Financial industry average (-10.1%).
Return on Equity
High ROE: ORCH's Return on Equity (5.3%) is considered low.
How is Orchard Funding Group's financial position?
Financial Position Analysis
Short Term Liabilities: ORCH's short term assets (£32.3M) exceed its short term liabilities (£15.8M).
Long Term Liabilities: ORCH's short term assets (£32.3M) exceed its long term liabilities (£881.0K).
Debt to Equity History and Analysis
Debt Level: ORCH's net debt to equity ratio (63.8%) is considered high.
Reducing Debt: ORCH's debt to equity ratio has increased from 74.8% to 77.5% over the past 5 years.
Debt Coverage: ORCH's operating cash flow is negative, therefore debt is not well covered.
Interest Coverage: Insufficient data to determine if ORCH's interest payments on its debt are well covered by EBIT.
What is Orchard Funding Group current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: ORCH's dividend (6.06%) is higher than the bottom 25% of dividend payers in the UK market (1.39%).
High Dividend: ORCH's dividend (6.06%) is in the top 25% of dividend payers in the UK market (4.05%)
Stability and Growth of Payments
Stable Dividend: ORCH has been paying a dividend for less than 10 years and during this time payments have been volatile.
Growing Dividend: ORCH's dividend payments have increased, but the company has only paid a dividend for 6 years.
Current Payout to Shareholders
Dividend Coverage: At its current payout ratio (76.3%), ORCH's payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: ORCH's dividends in 3 years are forecast to be well covered by earnings (48.5% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Ravi Takhar (56 yo)
Mr. Rabinder Singh Takhar, also known as Ravi, served as Chief Risk Officer of Urban Exposure plc until June 30, 2020 and served as its Executive Director since April 30, 2018 until June 30, 2020. He serve...
CEO Compensation Analysis
Compensation vs Market: Ravi's total compensation ($USD411.59K) is about average for companies of similar size in the UK market ($USD329.69K).
Compensation vs Earnings: Ravi's compensation has been consistent with company performance over the past year.
Experienced Management: ORCH's management team is considered experienced (3.5 years average tenure).
Experienced Board: ORCH's board of directors are considered experienced (4.5 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Orchard Funding Group plc's employee growth, exchange listings and data sources
- Name: Orchard Funding Group plc
- Ticker: ORCH
- Exchange: AIM
- Founded: 2002
- Industry: Specialized Finance
- Sector: Diversified Financials
- Implied Market Cap: UK£10.570m
- Shares outstanding: 21.35m
- Website: https://www.orchardfundinggroupplc.com
Number of Employees
- Orchard Funding Group plc
- 721 Capability Green
- 1st Floor
- LU1 3LU
- United Kingdom
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/01/16 18:57|
|End of Day Share Price||2022/01/14 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.