Orchard Funding GroupLSE:ORCH 50 Dividend Payout Ratio is 0.14 as of Jul. 2025, which is 61% below its 10-year median of 0.36. 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 194 Credit Services companies, Orchard Funding Group ranks better than 88.66% on this metric.
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. Orchard Funding Group's Dividend Payout Ratio for the
months ended in Jul. 2025 was 0.14.
The historical rank and industry rank for Orchard Funding Group's Dividend Payout Ratio or its related term are showing as below:
LSE:ORCH'
s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.07 Med: 0.36 Max: 0.88
Current: 0.07
During the past 13 years, the highest Dividend Payout Ratio of Orchard Funding Group was 0.88. The lowest was 0.07. And the median was 0.36.
LSE:ORCH's Dividend Payout Ratio is ranked better than 88.66% of 194
companies
in the Credit Services industry
Industry Median: 0.32
vs LSE:ORCH: 0.07
During the past 13 years, the highest Trailing Annual Dividend Yield of Orchard Funding Group was 19.35%. The lowest was 1.46%. And the median was 4.08%.
During the past 12 months, Orchard Funding Group's average Dividends Per Share Growth Rate was -50.00% per year.
During the past 3 years, the average Dividends Per Share Growth Rate was -12.60% per year.
During the past 5 years, the average Dividends Per Share Growth Rate was -5.60% per year.
During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Orchard Funding Group was 28.90% per year. The lowest was -12.60% per year. And the median was 0.00% per year.
The growth rate is calculated with least square regression.
For more information regarding to dividend, please check our Dividend Page.
* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.
Orchard Funding Group (LSE:ORCH) Dividend Payout Ratio Explanation
In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.
Orchard Funding Group Dividend Payout Ratio Related Terms
Orchard Funding Group Dividend Payout Ratio Historical Data
* Premium members only.
The historical data trend for Orchard Funding Group's Dividend Payout Ratio 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: Dividend Payout Ratio Comparison
For the Credit Services subindustry, Orchard Funding Group's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Orchard Funding Group's Dividend Payout Ratio distribution charts can be found below:
* The bar in red indicates where Orchard Funding Group's Dividend Payout Ratio falls into.
Orchard Funding Group Dividend Payout Ratio Calculation
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.
Orchard Funding Group's Dividend Payout 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 Dividend Payout Ratio of 0.14 as of Jul. 2025. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Orchard Funding Group and its competitors. This is 61% below median its historical median of 0.36. Over the past decade, Orchard Funding Group's Dividend Payout Ratio has ranged from 0.07 to 0.88. According to the industry distribution chart, Orchard Funding Group ranks #22 out of 194 companies in the Credit Services industry, placing it in the top 11.3%.
Is Orchard Funding Group's Dividend Payout Ratio too high?
Orchard Funding Group's current Dividend Payout Ratio of 0.14 is 61% below median its 10-year median of 0.36. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 0.88. The Credit Services industry median Dividend Payout Ratio is 0.32. Orchard Funding Group's value of 0.14 is 56.3% below this industry median. Based on the distribution chart, Orchard Funding Group ranks #22 out of 194 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 Dividend Payout Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Orchard Funding Group ranks #22 out of 194 companies for Dividend Payout Ratio. This places Orchard Funding Group in the top 11% of its industry — outperforming the majority of peers. The industry median Dividend Payout Ratio is 0.32. Orchard Funding Group's value of 0.14 is 56.3% below this benchmark. Historically, Orchard Funding Group's own Dividend Payout Ratio has ranged from 0.07 to 0.88 over the past decade. While the company's 10-year median is 0.36 vs. the industry median of 0.32, 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 Dividend Payout Ratio for a Credit Services company?
The median Dividend Payout Ratio among Credit Services companies is 0.32, based on 194 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Orchard Funding Group's current Dividend Payout Ratio of 0.14 is 56.3% 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Orchard Funding Group and its competitors. For the Credit Services industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Orchard Funding Group's current Dividend Payout Ratio is 0.14, which is 61% below median its own 10-year median of 0.36. 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 £0.63 — trading 12.5% below its estimated fair value. The current Dividend Payout Ratio is 0.14, which is 61% below median its 10-year median of 0.36 and 56.3% below the Credit Services industry median of 0.32. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For Orchard Funding Group (LSE:ORCH), the current Dividend Payout Ratio is 0.14 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 12.5% below its estimated GF Value™ of £0.72.
GuruFocus considers Orchard Funding Group to be Modestly Undervalued.
Key valuation signals for LSE:ORCH:
Dividend Payout Ratio: 0.14 (61% below median its 10-year median of 0.36)
GF Value™: £0.72 vs. price of £0.63 (12.5% below fair value)
Industry Position: 56.3% below the Credit Services median (#22 of 194)
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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