Orchard Funding GroupLSE:ORCH +5.00%50 Quick Ratio is 1.60 as of Jul. 2025, which is 9% below its 10-year median of 1.76. 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 394 Credit Services companies, Orchard Funding Group ranks worse than 70.56% on this metric.
Orchard Funding Group has a quick ratio of 1.60. It generally indicates good short-term financial strength.
The historical rank and industry rank for Orchard Funding Group's Quick Ratio or its related term are showing as below:
LSE:ORCH'
s Quick Ratio Range Over the Past 10 Years
Min: 1.48 Med: 1.76 Max: 2.18
Current: 1.6
During the past 13 years, Orchard Funding Group's highest Quick Ratio was 2.18. The lowest was 1.48. And the median was 1.76.
LSE:ORCH's Quick Ratio is ranked worse than 70.56% of 394
companies
in the Credit Services industry
Industry Median: 4.855
vs LSE:ORCH: 1.60
Orchard Funding Group (LSE:ORCH) Quick Ratio Explanation
The quick ratio is more conservative than the Current Ratio because it excludes inventories from current assets. The ratio derives its name presumably from the fact that assets such as cash and marketable securities are quick sources of cash. Inventories generally take time to be converted into cash, and if they have to be sold quickly, the company may have to accept a lower price than book value of these inventories. As a result, they are justifiably excluded from assets that are ready sources of immediate cash.
In general, low or decreasing quick ratios generally suggest that a company is over-leveraged, struggling to maintain or grow sales, paying bills too quickly or collecting receivables too slowly. On the other hand, a high or increasing quick ratio generally indicates that a company is experiencing solid top-line growth, quickly converting receivables into cash, and easily able to cover its financial obligations. Such companies often have faster inventory turnover and cash conversion cycles.
The higher the quick ratio, the better the company's liquidity position.
Orchard Funding Group Quick Ratio Related Terms
Orchard Funding Group Quick Ratio Historical Data
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The historical data trend for Orchard Funding Group's Quick 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.
For the Credit Services subindustry, Orchard Funding Group's Quick Ratio, along with its competitors' market caps and Quick 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 Quick Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Orchard Funding Group's Quick Ratio distribution charts can be found below:
* The bar in red indicates where Orchard Funding Group's Quick Ratio falls into.
The quick ratio measures a company's ability to meet its short-term obligations with its most liquid assets. For this reason, the ratio excludes inventories from current assets.
Orchard Funding Group's Quick 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 Quick Ratio of 1.60 as of Jul. 2025. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Orchard Funding Group and its competitors. This is near median its historical median of 1.76. Over the past decade, Orchard Funding Group's Quick Ratio has ranged from 1.48 to 2.18. According to the industry distribution chart, Orchard Funding Group ranks #278 out of 394 companies in the Credit Services industry, placing it in the top 70.6%.
Is Orchard Funding Group's Quick Ratio too high?
Orchard Funding Group's current Quick Ratio of 1.60 is near median its 10-year median of 1.76. Over the past 10 years, this metric has ranged from a low of 1.48 to a high of 2.18. The Credit Services industry median Quick Ratio is 4.86. Orchard Funding Group's value of 1.60 is 67% below this industry median. Based on the distribution chart, Orchard Funding Group ranks #278 out of 394 companies in the Credit Services industry, which is below 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 Quick Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Orchard Funding Group ranks #278 out of 394 companies for Quick Ratio. This places Orchard Funding Group in the lower half of its industry. The industry median Quick Ratio is 4.86. Orchard Funding Group's value of 1.60 is 67% below this benchmark. Historically, Orchard Funding Group's own Quick Ratio has ranged from 1.48 to 2.18 over the past decade. While the company's 10-year median is 1.76 vs. the industry median of 4.86, 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 Quick Ratio for a Credit Services company?
The median Quick Ratio among Credit Services companies is 4.86, based on 394 companies in the industry. Companies in the top quartile (top 25%) have a Quick Ratio significantly above this median, while those in the bottom quartile fall well below. However, Quick Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Orchard Funding Group's current Quick Ratio of 1.60 is 67% 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 Quick Ratio mean?
A high Quick Ratio can signal that a stock is expensive relative to its fundamentals. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Orchard Funding Group and its competitors. For the Credit Services industry, the median Quick Ratio is 4.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Orchard Funding Group's current Quick Ratio is 1.60, which is near median its own 10-year median of 1.76. 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 Quick Ratio is 1.60, which is near median its 10-year median of 1.76 and 67% below the Credit Services industry median of 4.86. 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 Quick Ratio calculated?
Quick Ratio is calculated from a company's financial statements. For Orchard Funding Group (LSE:ORCH), the current Quick Ratio is 1.60 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 £0.63 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:
Quick Ratio: 1.60 (near median its 10-year median of 1.76)
GF Value™: £0.72 vs. price of £0.63 (12.5% below fair value)
Industry Position: 67% below the Credit Services median (#278 of 394)
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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