Orchard Funding GroupLSE:ORCH 50 Days Payable is 934.04 as of Jul. 2025, which is 41% above its 10-year median of 660.86. GuruFocus rates LSE:ORCH with a GF Score™ of 50/100 and a GF Value™ of £0.72 (Modestly Undervalued). The stock has 11 warning signs investors should review. Among 301 Credit Services companies, Orchard Funding Group ranks better than 92.36% on this metric.
Orchard Funding Group Days Payable Historical Data
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The historical data trend for Orchard Funding Group's Days Payable can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, Orchard Funding Group's Days Payable, along with its competitors' market caps and Days Payable data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Orchard Funding Group Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Orchard Funding Group's Days Payable distribution charts can be found below:
* The bar in red indicates where Orchard Funding Group's Days Payable falls into.
Days Payable indicates the number of days that the account payable relative to cost of goods sold the company has. An increase of Days Payable may suggest that the company delays paying its suppliers.
Orchard Funding Group's Days Payable for the fiscal year that ended in Jul. 2024 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Orchard Funding Group (LSE:ORCH) has a Days Payable of 934.04 as of Jul. 2025. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Orchard Funding Group and its competitors. This is 41% above median its historical median of 660.86. Over the past decade, Orchard Funding Group's Days Payable has ranged from 432.85 to 1,929.48. According to the industry distribution chart, Orchard Funding Group ranks #23 out of 301 companies in the Credit Services industry, placing it in the top 7.6%.
Is Orchard Funding Group's Days Payable too high?
Orchard Funding Group's current Days Payable of 934.04 is 41% above median its 10-year median of 660.86. Over the past 10 years, this metric has ranged from a low of 432.85 to a high of 1,929.48. The Credit Services industry median Days Payable is 33.87. Orchard Funding Group's value of 934.04 is 2657.7% above this industry median. Based on the distribution chart, Orchard Funding Group ranks #23 out of 301 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Orchard Funding Group has a GF Score™ of 50/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Orchard Funding Group's Days Payable compare to V and MA?
According to the Credit Services industry distribution chart, Orchard Funding Group ranks #23 out of 301 companies for Days Payable. This places Orchard Funding Group in the top 8% of its industry — outperforming the majority of peers. The industry median Days Payable is 33.87. Orchard Funding Group's value of 934.04 is 2657.7% above this benchmark. Historically, Orchard Funding Group's own Days Payable has ranged from 432.85 to 1,929.48 over the past decade. While the company's 10-year median is 660.86 vs. the industry median of 33.87, Orchard Funding Group has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Days Payable for a Credit Services company?
The median Days Payable among Credit Services companies is 33.87, based on 301 companies in the industry. Companies in the top quartile (top 25%) have a Days Payable significantly above this median, while those in the bottom quartile fall well below. However, Days Payable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Orchard Funding Group's current Days Payable of 934.04 is 2657.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Days Payable mean?
A high Days Payable can signal that a stock is expensive relative to its fundamentals. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Orchard Funding Group and its competitors. For the Credit Services industry, the median Days Payable is 33.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Orchard Funding Group's current Days Payable is 934.04, which is 41% above median its own 10-year median of 660.86. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Orchard Funding Group stock overvalued right now?
Based on GuruFocus' analysis, Orchard Funding Group (LSE:ORCH) is currently considered Modestly Undervalued. The stock's GF Value™ is £0.72, compared to a current price of £0.63 — trading 12.5% below its estimated fair value. The current Days Payable is 934.04, which is 41% above median its 10-year median of 660.86 and 2657.7% above the Credit Services industry median of 33.87. Orchard Funding Group's overall GF Score™ is 50/100 with 11 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Days Payable calculated?
Days Payable is calculated from a company's financial statements. For Orchard Funding Group (LSE:ORCH), the current Days Payable is 934.04 as of Jul. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Orchard Funding Group (LSE:ORCH) Overvalued in 2026?
Based on GuruFocus' analysis, Orchard Funding Group stock appears to be undervalued.
The current stock price of £0.63 is trading 12.5% below its estimated GF Value™ of £0.72.
GuruFocus considers Orchard Funding Group to be Modestly Undervalued.
Key valuation signals for LSE:ORCH:
Days Payable: 934.04 (41% above median its 10-year median of 660.86)
GF Value™: £0.72 vs. price of £0.63 (12.5% below fair value)
Industry Position: 2657.7% above the Credit Services median (#23 of 301)
No single metric tells the full story. See the LSE:ORCH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Orchard Funding Group PLC is a finance company that specializes in insurance premium finance and the professional fee funding market. The company mainly provides funding and funding support systems to clients of insurance brokers and professional firms. It aims to further increase the capital base to enable it to support higher levels of borrowing. It operates in two segments: lending for Toyota products, and other lending. The company operates within the United Kingdom.
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