Orchard Funding Group (LSE:ORCH) ROCE %: 11.76% (As of Jul. 2025)


LSE:ORCH Orchard Funding Group PLC LSE:ORCH
50 GF Score
Price £0.60
GF Value £0.72
Valuation Modestly Undervalued
! 10 Warning Signs
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What is Orchard Funding Group ROCE %?

Orchard Funding Group LSE:ORCH +4.35% 50 ROCE % is 11.76% as of Jul. 2025. GuruFocus rates LSE:ORCH with a GF Score™ of 50/100 and a GF Value™ of £0.72 (Modestly Undervalued). The stock has 10 warning signs investors should review.

ROCE % measures how well a company generates profits from its capital. It is calculated as EBIT divided by Capital Employed, where Capital Employed is calculated as Total Assets minus Total Current Liabilities. Orchard Funding Group's annualized ROCE % for the quarter that ended in Jul. 2025 was 11.76%.

Orchard Funding Group  (LSE:ORCH) ROCE % Explanation

ROCE % can be especially useful when comparing the performance of capital-intensive companies. Unlike ROE %, which indicates the profitability of Shareholders Equity, ROCE % also considers long-term debt in Capital Employed. This can be helpful when analyzing companies with significant debt, as the result is neutralized by taking debt into consideration.

Generally speaking, a higher ROCE % indicates a stonger profitability for a company. Moreover, it is important to look at the ratio from a long term perspective. Investors tend to favor companies with stable and rising ROCE % trend over those with volatile ones.

Orchard Funding Group ROCE % Related Terms

Orchard Funding Group ROCE % Historical Data

* Premium members only.

The historical data trend for Orchard Funding Group's ROCE % 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 ROCE % Chart

Orchard Funding Group Annual Data
Trend Jul15 Jul16 Jul17 Jul18 Jul19 Jul20 Jul21 Jul22 Jul23 Jul24
ROCE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 10.19 6.51 9.54 8.84 7.59

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
ROCE % 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 7.59 11.44 3.85 14.34 11.76
LSE:ORCH
50GF Score
Orchard Funding Group PLC LSE:ORCH
ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Orchard Funding Group ROCE % Calculation

Orchard Funding Group's annualized ROCE % for the fiscal year that ended in Jul. 2024 is calculated as:

ROCE %=EBIT/( (Capital Employed+Capital Employed)/ count )
(A: Jul. 2024 )  (A: Jul. 2023 )(A: Jul. 2024 )
=EBIT/( ( (Total Assets - Total Current Liabilities)+(Total Assets - Total Current Liabilities) )/ count )
(A: Jul. 2024 )  (A: Jul. 2023 )(A: Jul. 2024 )
=2.119/( ( (61.877 - 35.483) + (69.185 - 39.723) )/ 2 )
=2.119/( (26.394+29.462)/ 2 )
=2.119/27.928
=7.59 %

Orchard Funding Group's ROCE % of for the quarter that ended in Jul. 2025 is calculated as:

ROCE %=EBIT (1)/( (Capital Employed+Capital Employed)/ count )
(Q: Jul. 2025 )  (Q: Jan. 2025 )(Q: Jul. 2025 )
=EBIT/( ( (Total Assets - Total Current Liabilities)+(Total Assets - Total Current Liabilities) )/ count )
(Q: Jul. 2025 )  (Q: Jan. 2025 )(Q: Jul. 2025 )
=3.686/( ( (70.36 - 39.282) + (67.551 - 35.943) )/ 2 )
=3.686/( ( 31.078 + 31.608 )/ 2 )
=3.686/31.343
=11.76 %

(1) 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.

Frequently Asked Questions Learn more about ROCE % →
What does a ROCE % of 11.76% mean?
Orchard Funding Group (LSE:ORCH) has a ROCE % of 11.76% as of Jul. 2025.
Is Orchard Funding Group's ROCE % too high?
Orchard Funding Group's current ROCE % is 11.76%. The Credit Services industry median ROCE % is 3.39. Orchard Funding Group's value of 11.76% is 246.9% above this industry median. Overall, Orchard Funding Group has a GF Score™ of 50/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Orchard Funding Group's ROCE % compare to V and MA?
Orchard Funding Group's ROCE % of 11.76% can be compared against companies in the Credit Services industry. The industry median ROCE % is 3.39. Orchard Funding Group's value of 11.76% is 246.9% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROCE % for a Credit Services company?
The median ROCE % among Credit Services companies is 3.39, based on 417 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Orchard Funding Group's current ROCE % of 11.76% is 246.9% 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 ROCE % mean?
A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median ROCE % is 3.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Orchard Funding Group's current ROCE % is 11.76%. 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 £0.72, compared to a current price of £0.60 — trading 16.7% below its estimated fair value. The current ROCE % is 11.76% and 246.9% above the Credit Services industry median of 3.39. Orchard Funding Group's overall GF Score™ is 50/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROCE % calculated?
ROCE % is calculated from a company's financial statements. For Orchard Funding Group (LSE:ORCH), the current ROCE % is 11.76% 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 £0.60 is trading 16.7% below its estimated GF Value™ of £0.72. GuruFocus considers Orchard Funding Group to be Modestly Undervalued.

Key valuation signals for LSE:ORCH:

  • ROCE %: 11.76%
  • GF Value™: £0.72 vs. price of £0.60 (16.7% below fair value)
  • GF Score™: 50/100 with 10 warning signs
  • Industry Position: 246.9% above the Credit Services median

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.
50GF Score

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

£0.60
Price
£0.72
GF Value