Orchard Funding GroupLSE:ORCH 50 Interest Coverage is 24.77 as of Jul. 2025, which is 97% below its 10-year median of 928.50. GuruFocus rates LSE:ORCH with a GF Score™ of 50/100 and a GF Value™ of £0.72 (Modestly Undervalued). The stock has 11 warning signs investors should review. Among 164 Credit Services companies, Orchard Funding Group ranks better than 50.61% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. Orchard Funding Group's
Operating Income
for the
six
months ended in Jul. 2025 was £1.96 Mil. Orchard Funding Group's Interest Expense for the
six
months ended in Jul. 2025 was £-0.08 Mil.
Orchard Funding Group's interest coverage for the quarter that ended in Jul. 2025 was 24.77.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Orchard Funding Group's Interest Coverage or its related term are showing as below:
LSE:ORCH'
s Interest Coverage Range Over the Past 10 Years
Min: 52.24 Med: 928.5 Max: No Debt
Current: 52.24
LSE:ORCH's Interest Coverage is ranked better than 50.61% of 164
companies
in the Credit Services industry
Industry Median: 49.41
vs LSE:ORCH: 52.24
Orchard Funding Group (LSE:ORCH) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Orchard Funding Group Interest Coverage Related Terms
Orchard Funding Group Interest Coverage Historical Data
* Premium members only.
The historical data trend for Orchard Funding Group's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
LSE:ORCH vs V, MA, AXP: Interest Coverage Comparison
For the Credit Services subindustry, Orchard Funding Group's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Orchard Funding Group's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Orchard Funding Group's Interest Coverage falls into.
Orchard Funding Group Interest Coverage Calculation
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 Interest Coverage of 24.77 as of Jul. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Orchard Funding Group and its competitors. This is 97% below median its historical median of 928.50. Over the past decade, Orchard Funding Group's Interest Coverage has ranged from 52.24 to 10,000.00. According to the industry distribution chart, Orchard Funding Group ranks #81 out of 164 companies in the Credit Services industry, placing it in the top 49.4%.
Is Orchard Funding Group's Interest Coverage too high?
Orchard Funding Group's current Interest Coverage of 24.77 is 97% below median its 10-year median of 928.50. Over the past 10 years, this metric has ranged from a low of 52.24 to a high of 10,000.00. The Credit Services industry median Interest Coverage is 49.41. Orchard Funding Group's value of 24.77 is 49.9% below this industry median. Based on the distribution chart, Orchard Funding Group ranks #81 out of 164 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 Interest Coverage compare to V and MA?
According to the Credit Services industry distribution chart, Orchard Funding Group ranks #81 out of 164 companies for Interest Coverage. This puts Orchard Funding Group in the upper half of its industry. The industry median Interest Coverage is 49.41. Orchard Funding Group's value of 24.77 is 49.9% below this benchmark. Historically, Orchard Funding Group's own Interest Coverage has ranged from 52.24 to 10,000.00 over the past decade. While the company's 10-year median is 928.50 vs. the industry median of 49.41, 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 Interest Coverage for a Credit Services company?
The median Interest Coverage among Credit Services companies is 49.41, based on 164 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Orchard Funding Group's current Interest Coverage of 24.77 is 49.9% 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Orchard Funding Group and its competitors. For the Credit Services industry, the median Interest Coverage is 49.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Orchard Funding Group's current Interest Coverage is 24.77, which is 97% below median its own 10-year median of 928.50. 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 Interest Coverage is 24.77, which is 97% below median its 10-year median of 928.50 and 49.9% below the Credit Services industry median of 49.41. Orchard Funding Group's overall GF Score™ is 50/100 with 11 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Orchard Funding Group (LSE:ORCH), the current Interest Coverage is 24.77 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:
Interest Coverage: 24.77 (97% below median its 10-year median of 928.50)
GF Value™: £0.72 vs. price of £0.60 (16.7% below fair value)
Industry Position: 49.9% below the Credit Services median (#81 of 164)
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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