Orchard Funding Group (LSE:ORCH) Retained Earnings: £11.74 Mil (As of Jul. 2025)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

LSE:ORCH Orchard Funding Group PLC LSE:ORCH
58 GF Score
Price £0.63
GF Value £0.74
Valuation Modestly Undervalued
! 11 Warning Signs
View Full Analysis

What is Orchard Funding Group Retained Earnings?

Orchard Funding Group LSE:ORCH 58 Retained Earnings is £11.74 Mil as of Jul. 2025. GuruFocus rates LSE:ORCH with a GF Score™ of 58/100 and a GF Value™ of £0.74 (Modestly Undervalued). The stock has 11 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Orchard Funding Group's retained earnings for the quarter that ended in Jul. 2025 was £11.74 Mil.

Orchard Funding Group's quarterly retained earnings increased from Jul. 2024 (£9.10 Mil) to Jan. 2025 (£10.64 Mil) and increased from Jan. 2025 (£10.64 Mil) to Jul. 2025 (£11.74 Mil).

Orchard Funding Group's annual retained earnings increased from Jul. 2022 (£6.88 Mil) to Jul. 2023 (£7.95 Mil) and increased from Jul. 2023 (£7.95 Mil) to Jul. 2024 (£9.10 Mil).


Orchard Funding Group  (LSE:ORCH) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.


Orchard Funding Group Retained Earnings Historical Data

* Premium members only.

The historical data trend for Orchard Funding Group's Retained Earnings 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 Retained Earnings Chart

Orchard Funding Group Annual Data
Trend Jul15 Jul16 Jul17 Jul18 Jul19 Jul20 Jul21 Jul22 Jul23 Jul24
Retained Earnings
Get a 7-Day Free Trial Premium Member Only Premium Member Only 5.81 6.00 6.88 7.95 9.10

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
Retained Earnings 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 7.95 8.33 9.10 10.64 11.74
LSE:ORCH
58GF Score
Orchard Funding Group PLC LSE:ORCH
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Orchard Funding Group Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

Frequently Asked Questions Learn more about Retained Earnings →
What does a Retained Earnings of £11.74 Mil mean?
Orchard Funding Group (LSE:ORCH) has a Retained Earnings of £11.74 Mil as of Jul. 2025. Retained earnings is the amount of net income not issued to shareholders. View historical data on Orchard Funding Group and its competitors.
Is Orchard Funding Group's Retained Earnings too high?
Orchard Funding Group's current Retained Earnings is £11.74 Mil. Overall, Orchard Funding Group has a GF Score™ of 58/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Orchard Funding Group's Retained Earnings compare to V and MA?
Orchard Funding Group's Retained Earnings of £11.74 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Retained Earnings for a Credit Services company?
A good Retained Earnings depends on the Credit Services industry context. However, Retained Earnings 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 Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on Orchard Funding Group and its competitors. Orchard Funding Group's current Retained Earnings is £11.74 Mil. 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 £0.74, compared to a current price of £0.63 — trading 15.5% below its estimated fair value. The current Retained Earnings is £11.74 Mil. Orchard Funding Group's overall GF Score™ is 58/100 with 11 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For Orchard Funding Group (LSE:ORCH), the current Retained Earnings is £11.74 Mil 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 15.5% below its estimated GF Value™ of £0.74. GuruFocus considers Orchard Funding Group to be Modestly Undervalued.

Key valuation signals for LSE:ORCH:

  • Retained Earnings: £11.74 Mil
  • GF Value™: £0.74 vs. price of £0.63 (15.5% below fair value)
  • GF Score™: 58/100 with 11 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.
58GF Score

Get the complete analysis for LSE:ORCH

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

£0.63
Price
£0.74
GF Value