Orchard Funding GroupLSE:ORCH +4.35%50 Net Margin % is 29.60% as of Jul. 2025, which is 11% above its 10-year median of 26.73. 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 534 Credit Services companies, Orchard Funding Group ranks better than 71.35% on this metric.
The historical rank and industry rank for Orchard Funding Group's Net Margin % or its related term are showing as below:
LSE:ORCH'
s Net Margin % Range Over the Past 10 Years
Min: 16.38 Med: 26.73 Max: 30.32
Current: 29.21
LSE:ORCH's Net Margin % is ranked better than 71.35% of 534
companies
in the Credit Services industry
Industry Median: 14.52
vs LSE:ORCH: 29.21
Orchard Funding Group (LSE:ORCH) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Orchard Funding Group Net Margin % Related Terms
Orchard Funding Group Net Margin % Historical Data
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The historical data trend for Orchard Funding Group's Net 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.
For the Credit Services subindustry, Orchard Funding Group's Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Orchard Funding Group's Net Margin % distribution charts can be found below:
* The bar in red indicates where Orchard Funding Group's Net 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 Net Margin % of 29.60% as of Jul. 2025. Net margin is the ratio of total net income to net sales. View historical data on Orchard Funding Group and its competitors. This is 11% above median its historical median of 26.73. Over the past decade, Orchard Funding Group's Net Margin % has ranged from 16.38 to 30.32. According to the industry distribution chart, Orchard Funding Group ranks #153 out of 534 companies in the Credit Services industry, placing it in the top 28.7%.
Is Orchard Funding Group's Net Margin % too high?
Orchard Funding Group's current Net Margin % of 29.60% is 11% above median its 10-year median of 26.73. Over the past 10 years, this metric has ranged from a low of 16.38 to a high of 30.32. The Credit Services industry median Net Margin % is 14.52. Orchard Funding Group's value of 29.60% is 103.9% above this industry median. Based on the distribution chart, Orchard Funding Group ranks #153 out of 534 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 Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Orchard Funding Group ranks #153 out of 534 companies for Net Margin %. This puts Orchard Funding Group in the upper half of its industry. The industry median Net Margin % is 14.52. Orchard Funding Group's value of 29.60% is 103.9% above this benchmark. Historically, Orchard Funding Group's own Net Margin % has ranged from 16.38 to 30.32 over the past decade. While the company's 10-year median is 26.73 vs. the industry median of 14.52, 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 Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 14.52, based on 534 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Orchard Funding Group's current Net Margin % of 29.60% is 103.9% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Orchard Funding Group and its competitors. For the Credit Services industry, the median Net Margin % is 14.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Orchard Funding Group's current Net Margin % is 29.60%, which is 11% above median its own 10-year median of 26.73. 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 Net Margin % is 29.60%, which is 11% above median its 10-year median of 26.73 and 103.9% above the Credit Services industry median of 14.52. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Orchard Funding Group (LSE:ORCH), the current Net Margin % is 29.60% 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:
Net Margin %: 29.60% (11% above median its 10-year median of 26.73)
GF Value™: £0.72 vs. price of £0.60 (16.7% below fair value)
Industry Position: 103.9% above the Credit Services median (#153 of 534)
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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