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Orchard Funding GroupLSE:ORCH 58 Net-Net Working Capital is £-2.13 as of Jul. 2025. GuruFocus rates LSE:ORCH with a GF Score™ of 58/100 and a GF Value™ of £0.73 (Modestly Undervalued). The stock has 11 warning signs investors should review. Among 78 Credit Services companies, Orchard Funding Group ranks worse than 1282050% on this metric.
In calculating the Net-Net Working Capital (NNWC), Benjamin Graham assumed that a company's accounts receivable is only worth 75% its value, its inventory is only worth 50% of its value, but its liabilities have to be paid in full. In addition, Graham believed that preferred stock belongs on the liability side of the balance sheet, not as part of capital and surplus. This is a conservative way of estimating the company's value.
Orchard Funding Group's Net-Net Working Capital for the quarter that ended in Jul. 2025 was £-2.13.
The industry rank for Orchard Funding Group's Net-Net Working Capital or its related term are showing as below:
LSE:ORCH's Price-to-Net-Net-Working-Capital is not ranked *
in the Credit Services industry.
Industry Median: 6.835 * Ranked among companies with meaningful Price-to-Net-Net-Working-Capital only.
Orchard Funding Group (LSE:ORCH) Net-Net Working Capital Explanation
One research study, covering the years 1970 through 1983 showed that portfolios picked at the beginning of each year, and held for one year, returned 29.4 percent, on average, over the 13-year period, compared to 11.5 percent for the S&P 500 Index. Other studies of Graham's strategy produced similar results.
Benjamin Graham looked for companies whose market values were less than two-thirds of their net-net value. They are collected under our Net-Net screener.
Orchard Funding Group Net-Net Working Capital Related Terms
Orchard Funding Group Net-Net Working Capital Historical Data
* Premium members only.
The historical data trend for Orchard Funding Group's Net-Net Working Capital 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.
Orchard Funding Group Net-Net Working Capital Chart
LSE:ORCH vs V, MA, AXP: Net-Net Working Capital Comparison
For the Credit Services subindustry, Orchard Funding Group's Price-to-Net-Net-Working-Capital, along with its competitors' market caps and Price-to-Net-Net-Working-Capital 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 Price-to-Net-Net-Working-Capital vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Orchard Funding Group's Price-to-Net-Net-Working-Capital distribution charts can be found below:
* The bar in red indicates where Orchard Funding Group's Price-to-Net-Net-Working-Capital 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.
In calculating the Net-Net Working Capital (NNWC), Benjamin Graham assumed that a company's accounts receivable is only worth 75% its value, its inventory is only worth 50% of its value, but its liabilities have to be paid in full.
In addition, Graham believed that preferred stock belongs on the liability side of the balance sheet, not as part of capital and surplus. In "Security Analysis", preferred stock is dubbed "an imperfect creditorship position" that is best placed on the balance sheet alongside funded debt.
This is a conservative way of estimating the company's value.
What does a Net-Net Working Capital of £-2.13 mean?
Orchard Funding Group (LSE:ORCH) has a Net-Net Working Capital of £-2.13 as of Jul. 2025. Ben Graham defined net-net working capital as the per-share sum of cash, 75% of receivables and 50% of inventory less total liabilities. View historical data on Orchard Funding Group According to the industry distribution chart, Orchard Funding Group ranks #999999 out of 78 companies in the Credit Services industry.
Is Orchard Funding Group's Net-Net Working Capital too high?
Orchard Funding Group's current Net-Net Working Capital is £-2.13. Based on the distribution chart, Orchard Funding Group ranks #999999 out of 78 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Orchard Funding Group has a GF Score™ of 58/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Orchard Funding Group's Net-Net Working Capital compare to V and MA?
According to the Credit Services industry distribution chart, Orchard Funding Group ranks #999999 out of 78 companies for Net-Net Working Capital. This places Orchard Funding Group in the lower half of its industry. The industry median Net-Net Working Capital is 6.84. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net-Net Working Capital for a Credit Services company?
The median Net-Net Working Capital among Credit Services companies is 6.84, based on 78 companies in the industry. Companies in the top quartile (top 25%) have a Net-Net Working Capital significantly above this median, while those in the bottom quartile fall well below. However, Net-Net Working Capital should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net-Net Working Capital mean?
A high Net-Net Working Capital can signal that a stock is expensive relative to its fundamentals. Ben Graham defined net-net working capital as the per-share sum of cash, 75% of receivables and 50% of inventory less total liabilities. View historical data on Orchard Funding Group For the Credit Services industry, the median Net-Net Working Capital is 6.84 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Orchard Funding Group's current Net-Net Working Capital is £-2.13. 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 £0.73, compared to a current price of £0.63 — trading 13.7% below its estimated fair value. The current Net-Net Working Capital is £-2.13. Orchard Funding Group's overall GF Score™ is 58/100 with 11 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net-Net Working Capital calculated?
Net-Net Working Capital is calculated from a company's financial statements. For Orchard Funding Group (LSE:ORCH), the current Net-Net Working Capital is £-2.13 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 £0.63 is trading 13.7% below its estimated GF Value™ of £0.73.
GuruFocus considers Orchard Funding Group to be Modestly Undervalued.
Key valuation signals for LSE:ORCH:
Net-Net Working Capital: £-2.13
GF Value™: £0.73 vs. price of £0.63 (13.7% below fair value)
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.
58GF Score
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Net-Net Working Capital is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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