Orchard Funding Group (LSE:ORCH) Profitability Rank: 8 (As of Jul. 2025) — 14% Above Median

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LSE:ORCH Orchard Funding Group PLC LSE:ORCH
56 GF Score
Price £0.61
GF Value £0.61
Valuation Fairly Valued
! 12 Warning Signs
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What is Orchard Funding Group Profitability Rank?

Orchard Funding Group LSE:ORCH 56 Profitability Rank is 8 as of Jul. 2025, which is 14% above its 10-year median of 7.00. GuruFocus rates LSE:ORCH with a GF Score™ of 56/100 and a GF Value™ of £0.61 (Fairly Valued). The stock has 12 warning signs investors should review.

Orchard Funding Group has the Profitability Rank of 8. It has a higher profitability and may stay that way.

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way. It is rated on a scale of 1 to 10 and is based on these factors:

1. Operating Margin %
2. Piotroski F-Score
3. Trend of the Operating Margin % (5-year average). The company with an uptrend profit margin has a higher rank.
4. Consistency of the profitability
5. Predictability Rank

A higher score indicates superior profitability, with companies rated 7 or above considered to have more robust and sustainable profit generation. Conversely, a score of 3 or lower suggests challenges in generating consistent profits.

Orchard Funding Group's Operating Margin % for the quarter that ended in Jul. 2025 was 37.76%. As of today, Orchard Funding Group's Piotroski F-Score is 3.


Orchard Funding Group Profitability Rank Related Terms


LSE:ORCH vs V, MA, AXP: Profitability Rank Comparison

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

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

* The bar in red indicates where Orchard Funding Group's Profitability Rank falls into.


LSE:ORCH
56GF Score
Orchard Funding Group PLC LSE:ORCH
Profitability Rank is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Orchard Funding Group Profitability Rank Calculation

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.

The rank is rated on a scale of 1 to 10. A higher score indicates superior profitability, with companies rated 7 or above considered to have more robust and sustainable profit generation. Conversely, a score of 3 or lower suggests challenges in generating consistent profits.

Orchard Funding Group has the Profitability Rank of 8. It has a higher profitability and may stay that way.

Profitability Rank is not directly related to the Financial Strength. But if a company is consistently profitable, its financial strength will be stronger.

Profitability Rank is based on these factors:

1. Operating Margin %

Operating Margin % - also known as operating income margin, operating profit margin and return on sales (ROS) - is the ratio of Operating Income divided by net sales or Revenue, usually presented in percent.

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

Operating Margin %=Operating Income (Q: Jul. 2025 ) / Revenue (Q: Jul. 2025 )
=1.957 / 5.183
=37.76 %

* 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.

2. Piotroski F-Score

Warning Sign:

Piotroski F-Score of 3 is low, which usually implies poor business operation.

The zones of discrimination were as such:

Good or high score = 8 or 9
Bad or low score = 0 or 1

Orchard Funding Group has an F-score of 3. It is a bad or low score, which usually implies poor business operation.

3. Trend of the Operating Margin % (5-year average). The company with an uptrend profit margin has a higher rank.

Warning Sign:

Orchard Funding Group PLC operating margin has been in a 5-year decline. The average rate of decline per year is -2.3%.

4. Consistency of the profitability

5. Predictability Rank

Frequently Asked Questions Learn more about Profitability Rank →
What does a Profitability Rank of 8 mean?
Orchard Funding Group (LSE:ORCH) has a Profitability Rank of 8 as of Jul. 2025. Profitability and Growth ranks a company based on its profit margins and earnings growth. View historical data on Orchard Funding Group and its competitors. This is 14% above median its historical median of 7.00. Over the past decade, Orchard Funding Group's Profitability Rank has ranged from 2.00 to 8.00.
Is Orchard Funding Group's Profitability Rank too high?
Orchard Funding Group's current Profitability Rank of 8 is 14% above median its 10-year median of 7.00. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 8.00. Overall, Orchard Funding Group has a GF Score™ of 56/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Orchard Funding Group's Profitability Rank compare to V and MA?
Orchard Funding Group's Profitability Rank of 8 can be compared against companies in the Credit Services industry. Historically, Orchard Funding Group's own Profitability Rank has ranged from 2.00 to 8.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Profitability Rank for a Credit Services company?
A good Profitability Rank depends on the Credit Services industry context. However, Profitability Rank 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 Profitability Rank mean?
A high Profitability Rank can signal that a stock is expensive relative to its fundamentals. Profitability and Growth ranks a company based on its profit margins and earnings growth. View historical data on Orchard Funding Group and its competitors. Orchard Funding Group's current Profitability Rank is 8, which is 14% above median its own 10-year median of 7.00. 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 Fairly Valued. The stock's GF Value™ is £0.61, compared to a current price of £0.61 — trading 0.8% below its estimated fair value. The current Profitability Rank is 8, which is 14% above median its 10-year median of 7.00. Orchard Funding Group's overall GF Score™ is 56/100 with 12 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Profitability Rank calculated?
Profitability Rank is calculated from a company's financial statements. For Orchard Funding Group (LSE:ORCH), the current Profitability Rank is 8 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 £0.61 is trading 0.8% below its estimated GF Value™ of £0.61. GuruFocus considers Orchard Funding Group to be Fairly Valued.

Key valuation signals for LSE:ORCH:

  • Profitability Rank: 8 (14% above median its 10-year median of 7.00)
  • GF Value™: £0.61 vs. price of £0.61 (0.8% below fair value)
  • GF Score™: 56/100 with 12 warning signs

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.
56GF Score

Get the complete analysis for LSE:ORCH

Profitability Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

£0.61
Price
£0.61
GF Value