Orchard Funding GroupLSE:ORCH 57 Return-on-Tangible-Equity is 14.68% as of Jul. 2025, which is 52% above its 10-year median of 9.66. GuruFocus rates LSE:ORCH with a GF Score™ of 57/100 and a GF Value™ of £0.73 (Modestly Undervalued). The stock has 11 warning signs investors should review. Among 524 Credit Services companies, Orchard Funding Group ranks better than 77.48% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Orchard Funding Group's annualized net income for the quarter that ended in Jul. 2025 was £3.07 Mil. Orchard Funding Group's average shareholder tangible equity for the quarter that ended in Jul. 2025 was £20.90 Mil. Therefore, Orchard Funding Group's annualized Return-on-Tangible-Equity for the quarter that ended in Jul. 2025 was 14.68%.
The historical rank and industry rank for Orchard Funding Group's Return-on-Tangible-Equity or its related term are showing as below:
LSE:ORCH'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 5.35 Med: 9.66 Max: 15.22
Current: 15.19
During the past 13 years, Orchard Funding Group's highest Return-on-Tangible-Equity was 15.22%. The lowest was 5.35%. And the median was 9.66%.
LSE:ORCH's Return-on-Tangible-Equity is ranked better than 77.48% of 524
companies
in the Credit Services industry
Industry Median: 7.055
vs LSE:ORCH: 15.19
Orchard Funding Group (LSE:ORCH) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Orchard Funding Group Return-on-Tangible-Equity Related Terms
Orchard Funding Group Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Orchard Funding Group's Return-on-Tangible-Equity 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-Equity Chart
LSE:ORCH vs V, MA, AXP: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, Orchard Funding Group's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Orchard Funding Group's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Orchard Funding Group's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 14.68% mean?
Orchard Funding Group (LSE:ORCH) has a Return-on-Tangible-Equity of 14.68% as of Jul. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Orchard Funding Group and its competitors. This is 52% above median its historical median of 9.66. Over the past decade, Orchard Funding Group's Return-on-Tangible-Equity has ranged from 5.35 to 15.22. According to the industry distribution chart, Orchard Funding Group ranks #118 out of 524 companies in the Credit Services industry, placing it in the top 22.5%.
Is Orchard Funding Group's Return-on-Tangible-Equity too high?
Orchard Funding Group's current Return-on-Tangible-Equity of 14.68% is 52% above median its 10-year median of 9.66. Over the past 10 years, this metric has ranged from a low of 5.35 to a high of 15.22. The Credit Services industry median Return-on-Tangible-Equity is 7.06. Orchard Funding Group's value of 14.68% is 108.1% above this industry median. Based on the distribution chart, Orchard Funding Group ranks #118 out of 524 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 57/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Orchard Funding Group's Return-on-Tangible-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Orchard Funding Group ranks #118 out of 524 companies for Return-on-Tangible-Equity. This places Orchard Funding Group in the top 23% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 7.06. Orchard Funding Group's value of 14.68% is 108.1% above this benchmark. Historically, Orchard Funding Group's own Return-on-Tangible-Equity has ranged from 5.35 to 15.22 over the past decade. While the company's 10-year median is 9.66 vs. the industry median of 7.06, 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-Equity for a Credit Services company?
The median Return-on-Tangible-Equity among Credit Services companies is 7.06, based on 524 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity 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-Equity of 14.68% is 108.1% 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Orchard Funding Group and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.06 — 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-Equity is 14.68%, which is 52% above median its own 10-year median of 9.66. 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 £0.73, compared to a current price of £0.62 — trading 15.8% below its estimated fair value. The current Return-on-Tangible-Equity is 14.68%, which is 52% above median its 10-year median of 9.66 and 108.1% above the Credit Services industry median of 7.06. Orchard Funding Group's overall GF Score™ is 57/100 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-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Orchard Funding Group (LSE:ORCH), the current Return-on-Tangible-Equity is 14.68% 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 £0.62 is trading 15.8% below its estimated GF Value™ of £0.73.
GuruFocus considers Orchard Funding Group to be Modestly Undervalued.
Key valuation signals for LSE:ORCH:
Return-on-Tangible-Equity: 14.68% (52% above median its 10-year median of 9.66)
GF Value™: £0.73 vs. price of £0.62 (15.8% below fair value)
Industry Position: 108.1% above the Credit Services median (#118 of 524)
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.
57GF Score
Get the complete analysis for LSE:ORCH
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
LSE:ORCH has been successfully added to your 
