Orchard Funding GroupLSE:ORCH +4.35%50 EBITDA Margin % is 36.43% as of Jul. 2025, which is 6% above its 10-year median of 34.31. GuruFocus rates LSE:ORCH with a GF Score™ of 50/100 and a GF Value™ of £0.72 (Modestly Undervalued). The stock has 10 warning signs investors should review. Among 414 Credit Services companies, Orchard Funding Group ranks better than 72.22% on this metric.
Orchard Funding Group (LSE:ORCH) EBITDA Margin % Explanation
EBITDA Margin % is the ratio of EBITDA divided by net sales or Revenue. It is an performance metric measuring company's operating profitability. EBITDA Margin takes depreciation and amortization, interest expense and tax into account, which makes it easy to compare the relative profitability of companies of different sizes in the same industry.
Orchard Funding Group EBITDA Margin % Related Terms
Orchard Funding Group EBITDA Margin % Historical Data
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The historical data trend for Orchard Funding Group's EBITDA Margin % 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.
LSE:ORCH vs V, MA, AXP: EBITDA Margin % Comparison
For the Credit Services subindustry, Orchard Funding Group's EBITDA Margin %, along with its competitors' market caps and EBITDA Margin % 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 EBITDA Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Orchard Funding Group's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where Orchard Funding Group's EBITDA Margin % 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 EBITDA Margin % of 36.43% as of Jul. 2025. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Orchard Funding Group and its competitors. This is near median its historical median of 34.31. Over the past decade, Orchard Funding Group's EBITDA Margin % has ranged from 23.08 to 39.08. According to the industry distribution chart, Orchard Funding Group ranks #115 out of 414 companies in the Credit Services industry, placing it in the top 27.8%.
Is Orchard Funding Group's EBITDA Margin % too high?
Orchard Funding Group's current EBITDA Margin % of 36.43% is near median its 10-year median of 34.31. Over the past 10 years, this metric has ranged from a low of 23.08 to a high of 39.08. The Credit Services industry median EBITDA Margin % is 20.91. Orchard Funding Group's value of 36.43% is 74.2% above this industry median. Based on the distribution chart, Orchard Funding Group ranks #115 out of 414 companies in the Credit Services industry, which is above the industry midpoint. 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 EBITDA Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Orchard Funding Group ranks #115 out of 414 companies for EBITDA Margin %. This puts Orchard Funding Group in the upper half of its industry. The industry median EBITDA Margin % is 20.91. Orchard Funding Group's value of 36.43% is 74.2% above this benchmark. Historically, Orchard Funding Group's own EBITDA Margin % has ranged from 23.08 to 39.08 over the past decade. While the company's 10-year median is 34.31 vs. the industry median of 20.91, 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 EBITDA Margin % for a Credit Services company?
The median EBITDA Margin % among Credit Services companies is 20.91, based on 414 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA Margin % significantly above this median, while those in the bottom quartile fall well below. However, EBITDA Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Orchard Funding Group's current EBITDA Margin % of 36.43% is 74.2% 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 EBITDA Margin % mean?
A high EBITDA Margin % can signal that a stock is expensive relative to its fundamentals. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Orchard Funding Group and its competitors. For the Credit Services industry, the median EBITDA Margin % is 20.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Orchard Funding Group's current EBITDA Margin % is 36.43%, which is near median its own 10-year median of 34.31. 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 EBITDA Margin % is 36.43%, which is near median its 10-year median of 34.31 and 74.2% above the Credit Services industry median of 20.91. Orchard Funding Group's overall GF Score™ is 50/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For Orchard Funding Group (LSE:ORCH), the current EBITDA Margin % is 36.43% 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:
EBITDA Margin %: 36.43% (near median its 10-year median of 34.31)
GF Value™: £0.72 vs. price of £0.60 (16.7% below fair value)
Industry Position: 74.2% above the Credit Services median (#115 of 414)
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.
50GF Score
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EBITDA Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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