1. United Kingdom Stocks

  2. •

    Finance

  3. •

    Finance/Rental/Leasing
Orchard Funding Ltd.

Orchard Funding Ltd.

LLSE:ORCH
67.00
GBX
-0.50
(-0.74%)
640.63MMarket Cap
Mar 31Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
- -
0.14
0.29
0.16
0.21
0.24
0.26
0.25
0.22
0.29
0.37
0.45
- -
- -
Basic EPS, GAAP
-0.06
0.04
0.09
0.05
0.06
0.07
0.08
0.06
0.04
0.07
0.08
0.07
- -
- -
Free Cash Flow per Basic Share
-0.01
-0.01
0.18
-0.16
-0.17
-0.1
0.07
0.28
-0.03
-0.47
-0.5
-0.29
- -
- -
Dividend per Share
- -
0.01
0.01
0.01
0.02
0.03
0.03
0.03
0.03
0.03
0.03
0.02
- -
- -
Book Value per Share
- -
0.09
0.54
0.58
0.62
0.66
0.7
0.73
0.74
0.78
0.83
0.89
- -
0.96
Tangible Book Value per Share
- -
0.09
0.54
0.58
0.61
0.66
0.7
0.73
0.74
0.78
0.83
0.88
- -
0.95
Basic Weighted Avg Shares
21
21
12
21
21
21
21
21
21
21
21
21
21
21
Sales/Revenue/Turnover
- -
3
3
3
5
5
5
5
5
6
8
10
- -
- -
Operating Margin (%)
- -
32.54
37.93
36.63
37.72
42.19
40.36
33.56
20.04
31.37
29.27
33.95
- -
- -
Depreciation Expense
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Income, GAAP
-1
1
1
1
1
2
2
1
1
2
2
2
- -
- -
Effective Tax Rate (%)
- -
22.9
20.01
20.98
18.46
20.13
19.15
18.45
20.1
19.17
21.1
26.05
- -
- -
Profit Margin (%)
- -
25.09
30.34
28.95
29.34
29.22
29.81
24.11
18.24
24.52
21.78
16.38
- -
- -
Working Capital
- -
2
12
12
13
14
15
16
14
16
18
20
- -
22
LT Debt
- -
- -
- -
- -
- -
- -
- -
- -
1
6
9
11
- -
11
Total Equity
- -
2
12
12
13
14
15
16
16
17
18
19
- -
20
Return on Invested Capital (%)
- -
6.74
5.73
4.91
5.44
5.27
5.33
4.37
3.04
4.29
3.57
2.77
- -
- -
Return on Capital (%)
- -
6.44
5.82
4.99
5.51
5.3
5.34
4.4
3.07
4.32
3.62
2.85
- -
- -
Return on Common Equity (%)
-677.4
73.33
15.23
8.37
10.49
11.12
11.27
8.33
5.34
9.35
9.95
8.62
- -
- -

Capital Structure

GBP

•

in mil. unless spec.
Jan'24
Jul'24
Jan'25
ST Debt
28
30
30
LT Borrowings
- -
11
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
21
21
21
Market Capitalization
7
7
6

Working Capital

GBP

•

in mil. unless spec.
Jan'24
Jul'24
Jan'25
Total Current Assets
56
60
61
Cash, Cash Equivalents & STI
- -
1
1
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
38
40
39
Payables & Accruals
- -
- -
- -
ST Debt
28
30
30
Deferred Revenue
- -
- -
- -

Growth Rates

GBP

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
- -
- -
Free Cash Flow
- -
- -
- -
Net Income, GAAP
- -
- -
- -
Sales/Revenue/Turnover
- -
- -
- -
Total Cash Common Dividend
- -
- -
- -

Semi-annual Revenue

GBP

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
8
2024
- -
- -
10
2025
- -
- -
- -

Semi-annual Earnings Per Share

GBP

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
0.08
2024
- -
- -
0.07
2025
- -
- -
- -

Semi-annual Dividends Per Share

GBP

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
0.03
2024
- -
- -
0.02
2025
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Rabinder Singh Takhar
Full Time Employees
23
Sector
Finance
Industry
Finance/Rental/Leasing
Address
222 Armstrong Road Luton BE United Kingdom LU2 0FY
IPO Date
Jul 1, 2015
Website
orchardfundinggroupplc.com
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Business
Orchard Funding Group plc is a United Kingdom-based finance company specializing in insurance premium finance and professional fee funding through its wholly owned subsidiaries Bexhill UK Limited, Orchard Funding Limited, Orchard Finance Limited, Cherry Orchard Funding Limited, Orchard Bond Finance plc and Open B Gateway Limited; Bexhill UK Limited, established in 2002, provides insurance premium funding to over 100 UK insurance brokers, while Orchard Funding Limited, established in 2010, offers customized fee funding solutions to accounting firms, professionals and small businesses for extended credit and one-off costs, typically over 10 to 12 months with guarantees from introducing firms; the group also provides funding for school fees, leisure activities, asset financing, secured property lending and Toyota products via dedicated facilities, supported by its proprietary Orchard Funding Management (OFM) software system in use since 2007. Founded in 2015 and headquartered at 222 Armstrong Road, Luton, England, the company operates exclusively within the UK financial services sector, targeting insurance brokers, professional firms and their clients with high-quality, broker-guaranteed lending. In recent developments, the group increased borrowing facilities to a maximum of £30.0 million for general lending and £20.0 million for Orchard Finance products, with renewals scheduled for April to June 2025; it acquired control of Open B Gateway Limited, boosting its stake to 90% by August 2024 for enhanced open banking software integration; full-year results to July 2024 showed record lending volumes, 22.65% higher gross income and a resilient loan book despite challenges like client administrations and fraud, while unaudited results to July 2025 reported lending over £120 million, net income exceeding £10 million and an 89.51% pre-tax profit rise, prompting an additional interim dividend.