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Orchard Funding GroupLSE:ORCH +0.83%56 Equity-to-Asset is 0.32 as of Jul. 2025, which is 26% below its 10-year median of 0.43. GuruFocus rates LSE:ORCH with a GF Score™ of 56/100 and a GF Value™ of £0.69 (Modestly Undervalued). The stock has 12 warning signs investors should review. Among 554 Credit Services companies, Orchard Funding Group ranks worse than 56.14% on this metric.
Orchard Funding Group (LSE:ORCH) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Orchard Funding Group Equity-to-Asset Related Terms
Orchard Funding Group Equity-to-Asset Historical Data
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The historical data trend for Orchard Funding Group's Equity-to-Asset 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: Equity-to-Asset Comparison
For the Credit Services subindustry, Orchard Funding Group's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Orchard Funding Group's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Orchard Funding Group's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Orchard Funding Group's Equity to Asset Ratio 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 Equity-to-Asset of 0.32 as of Jul. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Orchard Funding Group and its competitors. This is 26% below median its historical median of 0.43. Over the past decade, Orchard Funding Group's Equity-to-Asset has ranged from 0.27 to 0.54. According to the industry distribution chart, Orchard Funding Group ranks #311 out of 554 companies in the Credit Services industry, placing it in the top 56.1%.
Is Orchard Funding Group's Equity-to-Asset too high?
Orchard Funding Group's current Equity-to-Asset of 0.32 is 26% below median its 10-year median of 0.43. Over the past 10 years, this metric has ranged from a low of 0.27 to a high of 0.54. The Credit Services industry median Equity-to-Asset is 0.40. Orchard Funding Group's value of 0.32 is 20% below this industry median. Based on the distribution chart, Orchard Funding Group ranks #311 out of 554 companies in the Credit Services industry, which is below the industry midpoint. Overall, Orchard Funding Group has a GF Score™ of 56/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Orchard Funding Group's Equity-to-Asset compare to V and MA?
According to the Credit Services industry distribution chart, Orchard Funding Group ranks #311 out of 554 companies for Equity-to-Asset. This places Orchard Funding Group in the lower half of its industry. The industry median Equity-to-Asset is 0.40. Orchard Funding Group's value of 0.32 is 20% below this benchmark. Historically, Orchard Funding Group's own Equity-to-Asset has ranged from 0.27 to 0.54 over the past decade. While the company's 10-year median is 0.43 vs. the industry median of 0.40, 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 Equity-to-Asset for a Credit Services company?
The median Equity-to-Asset among Credit Services companies is 0.40, based on 554 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Orchard Funding Group's current Equity-to-Asset of 0.32 is 20% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Orchard Funding Group and its competitors. For the Credit Services industry, the median Equity-to-Asset is 0.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Orchard Funding Group's current Equity-to-Asset is 0.32, which is 26% below median its own 10-year median of 0.43. 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 £0.69, compared to a current price of £0.61 — trading 12.3% below its estimated fair value. The current Equity-to-Asset is 0.32, which is 26% below median its 10-year median of 0.43 and 20% below the Credit Services industry median of 0.40. Orchard Funding Group's overall GF Score™ is 56/100 with 12 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Orchard Funding Group (LSE:ORCH), the current Equity-to-Asset is 0.32 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 £0.61 is trading 12.3% below its estimated GF Value™ of £0.69.
GuruFocus considers Orchard Funding Group to be Modestly Undervalued.
Key valuation signals for LSE:ORCH:
Equity-to-Asset: 0.32 (26% below median its 10-year median of 0.43)
GF Value™: £0.69 vs. price of £0.61 (12.3% below fair value)
Industry Position: 20% below the Credit Services median (#311 of 554)
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.
56GF Score
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