Orchard Funding GroupLSE:ORCH +5.00%50 Pretax Margin % is 36.75% as of Jul. 2025, which is 11% above its 10-year median of 33.17. 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 533 Credit Services companies, Orchard Funding Group ranks better than 72.42% on this metric.
The historical rank and industry rank for Orchard Funding Group's Pretax Margin % or its related term are showing as below:
LSE:ORCH'
s Pretax Margin % Range Over the Past 10 Years
Min: 21.98 Med: 33.17 Max: 38.22
Current: 38.22
LSE:ORCH's Pretax Margin % is ranked better than 72.42% of 533
companies
in the Credit Services industry
Industry Median: 20.02
vs LSE:ORCH: 38.22
Orchard Funding Group (LSE:ORCH) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Orchard Funding Group Pretax Margin % Related Terms
Orchard Funding Group Pretax Margin % Historical Data
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The historical data trend for Orchard Funding Group's Pretax 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.
LSE:ORCH vs V, MA, AXP: Pretax Margin % Comparison
For the Credit Services subindustry, Orchard Funding Group's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Orchard Funding Group's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Orchard Funding Group's Pretax 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 Pretax Margin % of 36.75% as of Jul. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Orchard Funding Group and its competitors. This is 11% above median its historical median of 33.17. Over the past decade, Orchard Funding Group's Pretax Margin % has ranged from 21.98 to 38.22. According to the industry distribution chart, Orchard Funding Group ranks #147 out of 533 companies in the Credit Services industry, placing it in the top 27.6%.
Is Orchard Funding Group's Pretax Margin % too high?
Orchard Funding Group's current Pretax Margin % of 36.75% is 11% above median its 10-year median of 33.17. Over the past 10 years, this metric has ranged from a low of 21.98 to a high of 38.22. The Credit Services industry median Pretax Margin % is 20.02. Orchard Funding Group's value of 36.75% is 83.6% above this industry median. Based on the distribution chart, Orchard Funding Group ranks #147 out of 533 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 Pretax Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Orchard Funding Group ranks #147 out of 533 companies for Pretax Margin %. This puts Orchard Funding Group in the upper half of its industry. The industry median Pretax Margin % is 20.02. Orchard Funding Group's value of 36.75% is 83.6% above this benchmark. Historically, Orchard Funding Group's own Pretax Margin % has ranged from 21.98 to 38.22 over the past decade. While the company's 10-year median is 33.17 vs. the industry median of 20.02, 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 Pretax Margin % for a Credit Services company?
The median Pretax Margin % among Credit Services companies is 20.02, based on 533 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Orchard Funding Group's current Pretax Margin % of 36.75% is 83.6% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Orchard Funding Group and its competitors. For the Credit Services industry, the median Pretax Margin % is 20.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Orchard Funding Group's current Pretax Margin % is 36.75%, which is 11% above median its own 10-year median of 33.17. 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 Pretax Margin % is 36.75%, which is 11% above median its 10-year median of 33.17 and 83.6% above the Credit Services industry median of 20.02. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Orchard Funding Group (LSE:ORCH), the current Pretax Margin % is 36.75% 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:
Pretax Margin %: 36.75% (11% above median its 10-year median of 33.17)
GF Value™: £0.72 vs. price of £0.63 (12.5% below fair value)
Industry Position: 83.6% above the Credit Services median (#147 of 533)
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.
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