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Orchard Funding GroupLSE:ORCH 56 Return-on-Tangible-Asset is 4.45% as of Jul. 2025, which is 5% above its 10-year median of 4.25. GuruFocus rates LSE:ORCH with a GF Score™ of 56/100 and a GF Value™ of £0.74 (Modestly Undervalued). The stock has 11 warning signs investors should review. Among 547 Credit Services companies, Orchard Funding Group ranks better than 75.5% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Orchard Funding Group's annualizedNet Income for the quarter that ended in Jul. 2025 was £3.07 Mil. Orchard Funding Group's average total tangible assets for the quarter that ended in Jul. 2025 was £68.87 Mil. Therefore, Orchard Funding Group's annualized Return-on-Tangible-Asset for the quarter that ended in Jul. 2025 was 4.45%.
The historical rank and industry rank for Orchard Funding Group's Return-on-Tangible-Asset or its related term are showing as below:
LSE:ORCH'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 2.41 Med: 4.25 Max: 5.15
Current: 4.45
During the past 13 years, Orchard Funding Group's highest Return-on-Tangible-Asset was 5.15%. The lowest was 2.41%. And the median was 4.25%.
LSE:ORCH's Return-on-Tangible-Asset is ranked better than 75.5% of 547
companies
in the Credit Services industry
Industry Median: 1.94
vs LSE:ORCH: 4.45
Orchard Funding Group (LSE:ORCH) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Orchard Funding Group Return-on-Tangible-Asset Related Terms
Orchard Funding Group Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Orchard Funding Group's Return-on-Tangible-Asset 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 Return-on-Tangible-Asset Chart
LSE:ORCH vs V, MA, AXP: Return-on-Tangible-Asset Comparison
For the Credit Services subindustry, Orchard Funding Group's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Orchard Funding Group's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Orchard Funding Group's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is two times the semi-annual (Jul. 2025) net income data.
What does a Return-on-Tangible-Asset of 4.45% mean?
Orchard Funding Group (LSE:ORCH) has a Return-on-Tangible-Asset of 4.45% as of Jul. 2025. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Orchard Funding Group and its competitors. This is near median its historical median of 4.25. Over the past decade, Orchard Funding Group's Return-on-Tangible-Asset has ranged from 2.41 to 5.15. According to the industry distribution chart, Orchard Funding Group ranks #134 out of 547 companies in the Credit Services industry, placing it in the top 24.5%.
Is Orchard Funding Group's Return-on-Tangible-Asset too high?
Orchard Funding Group's current Return-on-Tangible-Asset of 4.45% is near median its 10-year median of 4.25. Over the past 10 years, this metric has ranged from a low of 2.41 to a high of 5.15. The Credit Services industry median Return-on-Tangible-Asset is 1.94. Orchard Funding Group's value of 4.45% is 129.4% above this industry median. Based on the distribution chart, Orchard Funding Group ranks #134 out of 547 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 56/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Orchard Funding Group's Return-on-Tangible-Asset compare to V and MA?
According to the Credit Services industry distribution chart, Orchard Funding Group ranks #134 out of 547 companies for Return-on-Tangible-Asset. This places Orchard Funding Group in the top 25% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 1.94. Orchard Funding Group's value of 4.45% is 129.4% above this benchmark. Historically, Orchard Funding Group's own Return-on-Tangible-Asset has ranged from 2.41 to 5.15 over the past decade. While the company's 10-year median is 4.25 vs. the industry median of 1.94, 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 Return-on-Tangible-Asset for a Credit Services company?
The median Return-on-Tangible-Asset among Credit Services companies is 1.94, based on 547 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Orchard Funding Group's current Return-on-Tangible-Asset of 4.45% is 129.4% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Orchard Funding Group and its competitors. For the Credit Services industry, the median Return-on-Tangible-Asset is 1.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Orchard Funding Group's current Return-on-Tangible-Asset is 4.45%, which is near median its own 10-year median of 4.25. 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 Return-on-Tangible-Asset is 4.45%, which is near median its 10-year median of 4.25 and 129.4% above the Credit Services industry median of 1.94. Orchard Funding Group's overall GF Score™ is 56/100 with 11 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Orchard Funding Group (LSE:ORCH), the current Return-on-Tangible-Asset is 4.45% 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:
Return-on-Tangible-Asset: 4.45% (near median its 10-year median of 4.25)
GF Value™: £0.74 vs. price of £0.63 (15.5% below fair value)
Industry Position: 129.4% above the Credit Services median (#134 of 547)
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.
56GF Score
Get the complete analysis for LSE:ORCH
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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