Orchard Funding Group (LSE:ORCH) Risk Assessment

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
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What is Orchard Funding Group Risk Assessment?

Risk Assessment represents the investment risk of a stock derived from our exclusive method. It suggests how risky the investment opportunity is based on the valuation and the fundamental performance of the stock. It is derived from following key aspects:

1. GuruFocus internally developed valuations of the stock, such as GF valuation.
2. Quality Rank, a business quality indicator developed by GuruFocus.
3. Fundamental performance: Piotroski F-Score, Altman Z-Score, Beneish M-Score, etc.
4. Growth opportunities: 5-year revenue growth rate, 5-Year EPS without NRI Growth Rate, etc.

Value investors are always willing to find undervalued stocks. However, not all the undervalued stocks are good deals, we should also be careful of how risky the investment opportunity is. We believe that if the company's financial strength and profitability are strong, and the stock price is within a reasonable range of the GF valuation, or stock has a high return with its price being undervalued, then it might be a good investment opportunity with low risk.

Based on those aspects listed above, GuruFocus believes the risk assessment of Orchard Funding Group is: Moderate Risk: Sensitive, better choose undervalued stock.

Orchard Funding Group  (LSE:ORCH) Risk Assessment Explanation

Based on the four aspects listed above, GuruFocus provides the following 7 evaluations:

All-in-One Screener Examples (1)
Low Risk: Strong fundamentals, worth long-term holding
Moderate Risk: Sensitive, better choose undervalued stock
High Risk: High uncertainty with risk-return tradeoff
High Risk: Good fundamentals, beware of shrinking business
High Risk: Sensitive to economic or industry trends
High Risk: High uncertainty
No Data: Cannot be evaluated

(1) These are some simple examples. You can access our Risk Assessment filter under All-in-One Screener’s Fundamental tab and set your own criteria.

Orchard Funding Group Risk Assessment Related Terms

LSE:ORCH vs V, MA, AXP: Risk Assessment Comparison

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

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

* The bar in red indicates where Orchard Funding Group's Risk Assessment falls into.


LSE:ORCH
58GF Score
Orchard Funding Group PLC LSE:ORCH
Risk Assessment is just one metric. See GF Score™, valuation, warning signs, and more.
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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:

  • Risk Assessment:
  • 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

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

£0.63
Price
£0.74
GF Value