Orchard Funding Group (LSE:ORCH) OCF Margin %: 152.25% (As of Jul. 2025)


LSE:ORCH Orchard Funding Group PLC LSE:ORCH
50 GF Score
Price £0.60
GF Value £0.72
Valuation Modestly Undervalued
! 10 Warning Signs
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What is Orchard Funding Group OCF Margin %?

Orchard Funding Group LSE:ORCH 50 OCF Margin % is 152.25% as of Jul. 2025. 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 531 Credit Services companies, Orchard Funding Group ranks better than 82.3% on this metric.

OCF Margin % is calculated as Cash Flow from Operations divided by its Revenue. Orchard Funding Group's Cash Flow from Operations for the six months ended in Jul. 2025 was £7.89 Mil. Orchard Funding Group's Revenue for the six months ended in Jul. 2025 was £5.18 Mil. Therefore, Orchard Funding Group's OCF Margin % for the quarter that ended in Jul. 2025 was 152.25%.

As of today, Orchard Funding Group's current OCF Yield % is 54.66%.

The historical rank and industry rank for Orchard Funding Group's OCF Margin % or its related term are showing as below:

LSE:ORCH' s OCF Margin % Range Over the Past 10 Years
Min: -160.32   Med: -48.28   Max: 114.81
Current: 66.7


During the past 13 years, the highest OCF Margin % of Orchard Funding Group was 114.81%. The lowest was -160.32%. And the median was -48.28%.

LSE:ORCH's OCF Margin % is ranked better than
82.3% of 531 companies
in the Credit Services industry
Industry Median: 2.55 vs LSE:ORCH: 66.70


Orchard Funding Group OCF Margin % Related Terms


Orchard Funding Group OCF Margin % Historical Data

* Premium members only.

The historical data trend for Orchard Funding Group's OCF 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.

Orchard Funding Group OCF Margin % Chart

Orchard Funding Group Annual Data
Trend Jul15 Jul16 Jul17 Jul18 Jul19 Jul20 Jul21 Jul22 Jul23 Jul24
OCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 114.81 -14.11 -160.32 -135.58 -56.75

Orchard Funding Group Semi-Annual Data
Jan16 Jul16 Jan17 Jul17 Jan18 Jul18 Jan19 Jul19 Jan20 Jul20 Jan21 Jul21 Jan22 Jul22 Jan23 Jul23 Jan24 Jul24 Jan25 Jul25
OCF Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -165.11 -103.01 -13.72 -16.70 152.25

LSE:ORCH vs V, MA, AXP: OCF Margin % Comparison

For the Credit Services subindustry, Orchard Funding Group's OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Orchard Funding Group's OCF Margin % distribution charts can be found below:

* The bar in red indicates where Orchard Funding Group's OCF Margin % falls into.


LSE:ORCH
50GF Score
Orchard Funding Group PLC LSE:ORCH
OCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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Orchard Funding Group OCF Margin % Calculation

OCF Margin % is the ratio of Cash Flow from Operations divided by net sales or Revenue, usually presented in percent.

Orchard Funding Group's OCF Margin for the fiscal year that ended in Jul. 2024 is calculated as

OCF Margin=Cash Flow from Operations (A: Jul. 2024 )/Revenue (A: Jul. 2024 )
=-5.471/9.64
=-56.75 %

Orchard Funding Group's OCF Margin for the quarter that ended in Jul. 2025 is calculated as

OCF Margin=Cash Flow from Operations (Q: Jul. 2025 )/Revenue (Q: Jul. 2025 )
=7.891/5.183
=152.25 %

* 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.

Frequently Asked Questions Learn more about OCF Margin % →
What does a OCF Margin % of 152.25% mean?
Orchard Funding Group (LSE:ORCH) has a OCF Margin % of 152.25% as of Jul. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Orchard Funding Group and its competitors. According to the industry distribution chart, Orchard Funding Group ranks #94 out of 531 companies in the Credit Services industry, placing it in the top 17.7%.
Is Orchard Funding Group's OCF Margin % too high?
Orchard Funding Group's current OCF Margin % is 152.25%. The Credit Services industry median OCF Margin % is 2.55. Orchard Funding Group's value of 152.25% is 5870.6% above this industry median. Based on the distribution chart, Orchard Funding Group ranks #94 out of 531 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. 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 OCF Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Orchard Funding Group ranks #94 out of 531 companies for OCF Margin %. This places Orchard Funding Group in the top 18% of its industry — outperforming the majority of peers. The industry median OCF Margin % is 2.55. Orchard Funding Group's value of 152.25% is 5870.6% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Credit Services company?
The median OCF Margin % among Credit Services companies is 2.55, based on 531 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Orchard Funding Group's current OCF Margin % of 152.25% is 5870.6% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Orchard Funding Group and its competitors. For the Credit Services industry, the median OCF Margin % is 2.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Orchard Funding Group's current OCF Margin % is 152.25%. 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 OCF Margin % is 152.25% and 5870.6% above the Credit Services industry median of 2.55. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Orchard Funding Group (LSE:ORCH), the current OCF Margin % is 152.25% 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:

  • OCF Margin %: 152.25%
  • GF Value™: £0.72 vs. price of £0.60 (16.7% below fair value)
  • GF Score™: 50/100 with 10 warning signs
  • Industry Position: 5870.6% above the Credit Services median (#94 of 531)

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 Business Description

Address 222 Armstrong Road, Luton, Bedfordshire, GBR, LU2 0FY
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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OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

£0.60
Price
£0.72
GF Value