Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Orchard Funding GroupLSE:ORCH 60 Debt-to-Equity is 1.53 as of Jul. 2025, which is 40% above its 10-year median of 1.09. GuruFocus rates LSE:ORCH with a GF Score™ of 60/100 and a GF Value™ of £0.60 (Fairly Valued). The stock has 11 warning signs investors should review. Among 456 Credit Services companies, Orchard Funding Group ranks worse than 56.14% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Orchard Funding Group's Debt-to-Equity or its related term are showing as below:
LSE:ORCH'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.65 Med: 1.09 Max: 2.13
Current: 1.53
During the past 13 years, the highest Debt-to-Equity Ratio of Orchard Funding Group was 2.13. The lowest was 0.65. And the median was 1.09.
LSE:ORCH's Debt-to-Equity is ranked worse than 56.14% of 456
companies
in the Credit Services industry
Industry Median: 1.235
vs LSE:ORCH: 1.53
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Orchard Funding Group Debt-to-Equity Related Terms
Orchard Funding Group Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Orchard Funding Group's Debt-to-Equity 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 Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Orchard Funding Group's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Orchard Funding Group's Debt-to-Equity falls into.
* 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 Debt-to-Equity of 1.53 as of Jul. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Orchard Funding Group and its competitors. This is 40% above median its historical median of 1.09. Over the past decade, Orchard Funding Group's Debt-to-Equity has ranged from 0.65 to 2.13. According to the industry distribution chart, Orchard Funding Group ranks #256 out of 456 companies in the Credit Services industry, placing it in the top 56.1%.
Is Orchard Funding Group's Debt-to-Equity too high?
Orchard Funding Group's current Debt-to-Equity of 1.53 is 40% above median its 10-year median of 1.09. Over the past 10 years, this metric has ranged from a low of 0.65 to a high of 2.13. The Credit Services industry median Debt-to-Equity is 1.24. Orchard Funding Group's value of 1.53 is 23.9% above this industry median. Based on the distribution chart, Orchard Funding Group ranks #256 out of 456 companies in the Credit Services industry, which is below the industry midpoint. Overall, Orchard Funding Group has a GF Score™ of 60/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Orchard Funding Group's Debt-to-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Orchard Funding Group ranks #256 out of 456 companies for Debt-to-Equity. This places Orchard Funding Group in the lower half of its industry. The industry median Debt-to-Equity is 1.24. Orchard Funding Group's value of 1.53 is 23.9% above this benchmark. Historically, Orchard Funding Group's own Debt-to-Equity has ranged from 0.65 to 2.13 over the past decade. While the company's 10-year median is 1.09 vs. the industry median of 1.24, 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 Debt-to-Equity for a Credit Services company?
The median Debt-to-Equity among Credit Services companies is 1.24, based on 456 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Orchard Funding Group's current Debt-to-Equity of 1.53 is 23.9% 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Orchard Funding Group and its competitors. For the Credit Services industry, the median Debt-to-Equity is 1.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Orchard Funding Group's current Debt-to-Equity is 1.53, which is 40% above median its own 10-year median of 1.09. 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 Fairly Valued. The stock's GF Value™ is £0.60, compared to a current price of £0.62 — trading 3.3% above its estimated fair value. The current Debt-to-Equity is 1.53, which is 40% above median its 10-year median of 1.09 and 23.9% above the Credit Services industry median of 1.24. Orchard Funding Group's overall GF Score™ is 60/100 with 11 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Orchard Funding Group (LSE:ORCH), the current Debt-to-Equity is 1.53 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 overvalued.
The current stock price of £0.62 is trading 3.3% above its estimated GF Value™ of £0.60.
GuruFocus considers Orchard Funding Group to be Fairly Valued.
Key valuation signals for LSE:ORCH:
Debt-to-Equity: 1.53 (40% above median its 10-year median of 1.09)
GF Value™: £0.60 vs. price of £0.62 (3.3% above fair value)
Industry Position: 23.9% above the Credit Services median (#256 of 456)
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.
60GF Score
Get the complete analysis for LSE:ORCH
Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
LSE:ORCH has been successfully added to your 
