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Orchard Funding GroupLSE:ORCH -0.81%56 ROC (Joel Greenblatt) % is 824.61% as of Jul. 2025, which is 65% above its 10-year median of 499.11. 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 415 Credit Services companies, Orchard Funding Group ranks better than 89.16% on this metric.
Joel Greenblatt defined Return on Capital differently in his book The Little Book That Still Beats the Market (Little Books. Big Profits). He defines ROC (Joel Greenblatt) % as EBIT divided by the total of Property, Plant and Equipment and net working capital. Orchard Funding Group's annualized ROC (Joel Greenblatt) % for the quarter that ended in Jul. 2025 was 824.61%.
The historical rank and industry rank for Orchard Funding Group's ROC (Joel Greenblatt) % or its related term are showing as below:
LSE:ORCH'
s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: 7.05 Med: 499.11 Max: 10342.86
Current: 897.09
During the past 13 years, Orchard Funding Group's highest ROC (Joel Greenblatt) % was 10342.86%. The lowest was 7.05%. And the median was 499.11%.
LSE:ORCH's ROC (Joel Greenblatt) % is ranked better than 89.16% of 415
companies
in the Credit Services industry
Industry Median: 38.99
vs LSE:ORCH: 897.09
Orchard Funding Group's 5-Year average Growth Rate of ROC (Joel Greenblatt) % was 137.70% per year.
Orchard Funding Group (LSE:ORCH) ROC (Joel Greenblatt) % Explanation
The way Joel Greenblatt defines Return on Capital is a more accurate measure of how efficiently the company generates returns onthe capital actually invested in the business. EBIT is used instead of net income because the tax and interest payment may be affected by factors other than the core business operation. Intangible assets are not included in the calculation because they don't need to be replaced.
Orchard Funding Group ROC (Joel Greenblatt) % Related Terms
Orchard Funding Group ROC (Joel Greenblatt) % Historical Data
* Premium members only.
The historical data trend for Orchard Funding Group's ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % Chart
LSE:ORCH vs V, MA, AXP: ROC (Joel Greenblatt) % Comparison
For the Credit Services subindustry, Orchard Funding Group's ROC (Joel Greenblatt) %, along with its competitors' market caps and ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Orchard Funding Group's ROC (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where Orchard Funding Group's ROC (Joel Greenblatt) % falls into.
Orchard Funding Group ROC (Joel Greenblatt) % Calculation
Joel Greenblatt defined Return on Capital differently in his book The Little Book That Still Beats the Market (Little Books. Big Profits) . He defines Return on Capital as follows:
EBIT stands for Earnings Before Interest and Taxes.
Fixed Assets are also known as non-current assets. They include the Property, Plant and Equipment that the firm needs in its operation.
GuruFocus calculates net working capital as: (Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Deferred Revenue + Other Current Liabilities). We're trying to account for OPERATING assets and liabilities (part of daily business) when calculating working capital. Cash and marketable securities are considered NON-OPERATING assets and are not included in calculation. We will also back out all interest bearing debt, short term debt and the portion of long term debt that is due in the current period from the current liabilities. This debt will be considered when computing cost of capital and it would be inappropriate to count it twice.
Note:
The EBIT data used here is two times the semi-annual (Jul. 2025) EBIT data.
* 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.
What does a ROC (Joel Greenblatt) % of 824.61% mean?
Orchard Funding Group (LSE:ORCH) has a ROC (Joel Greenblatt) % of 824.61% as of Jul. 2025. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Orchard Funding Group and its competitors. This is 65% above median its historical median of 499.11. Over the past decade, Orchard Funding Group's ROC (Joel Greenblatt) % has ranged from 7.05 to 10,342.86. According to the industry distribution chart, Orchard Funding Group ranks #45 out of 415 companies in the Credit Services industry, placing it in the top 10.8%.
Is Orchard Funding Group's ROC (Joel Greenblatt) % too high?
Orchard Funding Group's current ROC (Joel Greenblatt) % of 824.61% is 65% above median its 10-year median of 499.11. Over the past 10 years, this metric has ranged from a low of 7.05 to a high of 10,342.86. The Credit Services industry median ROC (Joel Greenblatt) % is 38.99. Orchard Funding Group's value of 824.61% is 2014.9% above this industry median. Based on the distribution chart, Orchard Funding Group ranks #45 out of 415 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 ROC (Joel Greenblatt) % compare to V and MA?
According to the Credit Services industry distribution chart, Orchard Funding Group ranks #45 out of 415 companies for ROC (Joel Greenblatt) %. This places Orchard Funding Group in the top 11% of its industry — outperforming the majority of peers. The industry median ROC (Joel Greenblatt) % is 38.99. Orchard Funding Group's value of 824.61% is 2014.9% above this benchmark. Historically, Orchard Funding Group's own ROC (Joel Greenblatt) % has ranged from 7.05 to 10,342.86 over the past decade. While the company's 10-year median is 499.11 vs. the industry median of 38.99, 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 ROC (Joel Greenblatt) % for a Credit Services company?
The median ROC (Joel Greenblatt) % among Credit Services companies is 38.99, based on 415 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Orchard Funding Group's current ROC (Joel Greenblatt) % of 824.61% is 2014.9% 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Orchard Funding Group and its competitors. For the Credit Services industry, the median ROC (Joel Greenblatt) % is 38.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Orchard Funding Group's current ROC (Joel Greenblatt) % is 824.61%, which is 65% above median its own 10-year median of 499.11. 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 £0.62 — trading 16.9% below its estimated fair value. The current ROC (Joel Greenblatt) % is 824.61%, which is 65% above median its 10-year median of 499.11 and 2014.9% above the Credit Services industry median of 38.99. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Orchard Funding Group (LSE:ORCH), the current ROC (Joel Greenblatt) % is 824.61% 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 16.9% below its estimated GF Value™ of £0.74.
GuruFocus considers Orchard Funding Group to be Modestly Undervalued.
Key valuation signals for LSE:ORCH:
ROC (Joel Greenblatt) %: 824.61% (65% above median its 10-year median of 499.11)
GF Value™: £0.74 vs. price of £0.62 (16.9% below fair value)
Industry Position: 2014.9% above the Credit Services median (#45 of 415)
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
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ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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