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Orchard Funding GroupLSE:ORCH +0.80%59 EV-to-EBIT is 11.46 as of Aug. 14, 2026, which is 32% below its 10-year median of 16.76. GuruFocus rates LSE:ORCH with a GF Score™ of 59/100 and a GF Value™ of £0.74 (Modestly Undervalued). The stock has 11 warning signs investors should review. Among 315 Credit Services companies, Orchard Funding Group ranks better than 72.38% on this metric.
Orchard Funding Group (LSE:ORCH) EV-to-EBIT Explanation
This is a more accurate valuation of companies' operation because it considers the debt and cash on its balance sheet, and non-operating items such as interest payment, tax, and one-time items are not included in the Operating Income.
Orchard Funding Group's Enterprise Value for the quarter that ended in Jul. 2025 was £45.42 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Orchard Funding Group's EBIT for the trailing twelve months (TTM) ended in Jul. 2025 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.
* 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 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.
Orchard Funding Group's current Enterprise Value is £45.99 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Orchard Funding Group's EBIT for the trailing twelve months (TTM) ended in Jul. 2025 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.
Orchard Funding Group (LSE:ORCH) has a EV-to-EBIT of 11.46 as of Aug. 14, 2026. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Orchard Funding Group and its competitors. This is 32% below median its historical median of 16.76. Over the past decade, Orchard Funding Group's EV-to-EBIT has ranged from 11.40 to 22.30. According to the industry distribution chart, Orchard Funding Group ranks #87 out of 315 companies in the Credit Services industry, placing it in the top 27.6%.
Is Orchard Funding Group's EV-to-EBIT too high?
Orchard Funding Group's current EV-to-EBIT of 11.46 is 32% below median its 10-year median of 16.76. Over the past 10 years, this metric has ranged from a low of 11.40 to a high of 22.30. The Credit Services industry median EV-to-EBIT is 22.40. Orchard Funding Group's value of 11.46 is 48.8% below this industry median. Based on the distribution chart, Orchard Funding Group ranks #87 out of 315 companies in the Credit Services industry, which is above the industry midpoint. Overall, Orchard Funding Group has a GF Score™ of 59/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Orchard Funding Group's EV-to-EBIT compare to V and MA?
According to the Credit Services industry distribution chart, Orchard Funding Group ranks #87 out of 315 companies for EV-to-EBIT. This puts Orchard Funding Group in the upper half of its industry. The industry median EV-to-EBIT is 22.40. Orchard Funding Group's value of 11.46 is 48.8% below this benchmark. Historically, Orchard Funding Group's own EV-to-EBIT has ranged from 11.40 to 22.30 over the past decade. While the company's 10-year median is 16.76 vs. the industry median of 22.40, Orchard Funding Group has consistently been below 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 EV-to-EBIT for a Credit Services company?
The median EV-to-EBIT among Credit Services companies is 22.40, based on 315 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBIT significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Orchard Funding Group's current EV-to-EBIT of 11.46 is 48.8% below 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 EV-to-EBIT mean?
A high EV-to-EBIT can signal that a stock is expensive relative to its fundamentals. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Orchard Funding Group and its competitors. For the Credit Services industry, the median EV-to-EBIT is 22.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Orchard Funding Group's current EV-to-EBIT is 11.46, which is 32% below median its own 10-year median of 16.76. 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 £0.74, compared to a current price of £0.63 — trading 14.9% below its estimated fair value. The current EV-to-EBIT is 11.46, which is 32% below median its 10-year median of 16.76 and 48.8% below the Credit Services industry median of 22.40. Orchard Funding Group's overall GF Score™ is 59/100 with 11 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBIT calculated?
EV-to-EBIT is calculated from a company's financial statements. For Orchard Funding Group (LSE:ORCH), the current EV-to-EBIT is 11.46 as of Aug. 14, 2026. 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 14.9% below its estimated GF Value™ of £0.74.
GuruFocus considers Orchard Funding Group to be Modestly Undervalued.
Key valuation signals for LSE:ORCH:
EV-to-EBIT: 11.46 (32% below median its 10-year median of 16.76)
GF Value™: £0.74 vs. price of £0.63 (14.9% below fair value)
Industry Position: 48.8% below the Credit Services median (#87 of 315)
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.
59GF Score
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