Orchard Funding Group (LSE:ORCH) EBIT: £4.01 Mil (TTM As of Jul. 2025)


LSE:ORCH Orchard Funding Group PLC LSE:ORCH
50 GF Score
Price £0.60
GF Value £0.72
Valuation Modestly Undervalued
! 7 Warning Signs
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What is Orchard Funding Group EBIT?

Orchard Funding Group LSE:ORCH +4.35% 50 EBIT is £4.01 Mil as of Jul. 2025. GuruFocus rates LSE:ORCH with a GF Score™ of 50/100 and a GF Value™ of £0.72 (Modestly Undervalued). The stock has 7 warning signs investors should review.

Orchard Funding Group's earnings before interest and taxes (EBIT) for the six months ended in Jul. 2025 was £1.84 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Jul. 2025 was £4.01 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. Orchard Funding Group's annualized ROC % for the quarter that ended in Jul. 2025 was 5.34%. Orchard Funding Group's annualized ROC (Joel Greenblatt) % for the quarter that ended in Jul. 2025 was 824.61%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. Orchard Funding Group's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Jul. 2025 was 8.85%.

Orchard Funding Group  (LSE:ORCH) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

Orchard Funding Group's annualized ROC % for the quarter that ended in Jul. 2025 is calculated as:

ROC % (Q: Jul. 2025 )
=NOPAT/Average Invested Capital
=Operating Income * ( 1 - Tax Rate % )/( (Invested Capital (Q: Jan. 2025 ) + Invested Capital (Q: Jul. 2025 ))/ count )
=3.914 * ( 1 - 22.31% )/( (60.107 + 53.73)/ 2 )
=3.0407866/56.9185
=5.34 %

where

Invested Capital(Q: Jan. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=70.36 - 9.345 - ( 0.908 - max(0, 39.282 - 61.186+0.908))
=60.107

Invested Capital(Q: Jul. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=67.551 - 13.182 - ( 0.639 - max(0, 35.943 - 57.598+0.639))
=53.73

Note: The Operating Income data used here is two times the semi-annual (Jul. 2025) data.

2. Joel Greenblatt's definition of Return on Capital:

Orchard Funding Group's annualized ROC (Joel Greenblatt) % for the quarter that ended in Jul. 2025 is calculated as:

ROC (Joel Greenblatt) %(Q: Jul. 2025 )
=EBIT/Average of (Net fixed Assets + Net Working Capital)
=EBIT/Average of (Property, Plant and Equipment+Net Working Capital)
     Q: Jan. 2025  Q: Jul. 2025
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=3.686/( ( (0.445 + max(-9.345, 0)) + (0.449 + max(-13.182, 0)) )/ 2 )
=3.686/( ( 0.445 + 0.449 )/ 2 )
=3.686/0.447
=824.61 %

where Working Capital is:

Working Capital(Q: Jan. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0 + 0 + 0) - (9.345 + 0 + -7.105427357601E-15)
=-9.345

Working Capital(Q: Jul. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0 + 0 + -7.105427357601E-15) - (13.182 + 0 + 0)
=-13.182

When net working capital is negative, 0 is used.

Note: The EBIT data used here is two times the semi-annual (Jul. 2025) EBIT data.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

Orchard Funding Group's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Jul. 2025 )
=4.013/45.353
=8.85 %

* 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 EBIT Related Terms

Orchard Funding Group EBIT Historical Data

* Premium members only.

The historical data trend for Orchard Funding Group's EBIT 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.

Orchard Funding Group EBIT Chart

Orchard Funding Group Annual Data
Trend Jul15 Jul16 Jul17 Jul18 Jul19 Jul20 Jul21 Jul22 Jul23 Jul24
EBIT
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.56 1.05 1.88 2.17 2.12

Orchard Funding Group Semi-Annual Data
Jan16 Jul16 Jan17 Jul17 Jan18 Jul18 Jan19 Jul19 Jan20 Jul20 Jan21 Jul21 Jan22 Jul22 Jan23 Jul23 Jan24 Jul24 Jan25 Jul25
EBIT Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.93 1.56 0.56 2.17 1.84

LSE:ORCH vs V, MA, AXP: EBIT Comparison

For the Credit Services subindustry, Orchard Funding Group's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Orchard Funding Group's EV-to-EBIT distribution charts can be found below:

* The bar in red indicates where Orchard Funding Group's EV-to-EBIT falls into.


LSE:ORCH
50GF Score
Orchard Funding Group PLC LSE:ORCH
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
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Orchard Funding Group EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT for the trailing twelve months (TTM) ended in Jul. 2025 adds up the semi-annually data reported by the company within the most recent 12 months, which was £4.01 Mil.

* 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.

Frequently Asked Questions Learn more about EBIT →
What does a EBIT of £4.01 Mil mean?
Orchard Funding Group (LSE:ORCH) has a EBIT of £4.01 Mil as of Jul. 2025. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Orchard Funding Group.
Is Orchard Funding Group's EBIT too high?
Orchard Funding Group's current EBIT is £4.01 Mil. 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 EBIT compare to V and MA?
Orchard Funding Group's EBIT of £4.01 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBIT for a Credit Services company?
A good EBIT depends on the Credit Services industry context. However, EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBIT mean?
A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Orchard Funding Group. Orchard Funding Group's current EBIT is £4.01 Mil. 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 £0.60 — trading 16.7% below its estimated fair value. The current EBIT is £4.01 Mil. Orchard Funding Group's overall GF Score™ is 50/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBIT calculated?
EBIT is calculated from a company's financial statements. For Orchard Funding Group (LSE:ORCH), the current EBIT is £4.01 Mil 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 £0.60 is trading 16.7% below its estimated GF Value™ of £0.72. GuruFocus considers Orchard Funding Group to be Modestly Undervalued.

Key valuation signals for LSE:ORCH:

  • EBIT: £4.01 Mil
  • GF Value™: £0.72 vs. price of £0.60 (16.7% below fair value)
  • GF Score™: 50/100 with 7 warning signs

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 Business Description

Address 222 Armstrong Road, Luton, Bedfordshire, GBR, LU2 0FY
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.
50GF Score

Get the complete analysis for LSE:ORCH

EBIT is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

£0.60
Price
£0.72
GF Value