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Orchard Funding GroupLSE:ORCH -0.81%56 3-Year ROIIC % is 5.07 as of Jul. 2024, which is 23% below its 10-year median of 6.62. 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 392 Credit Services companies, Orchard Funding Group ranks better than 59.44% on this metric.
3-Year Return on Invested Incremental Capital (3-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 3-year.
Orchard Funding Group's 3-Year ROIIC % for the quarter that ended in Jul. 2024 was 5.07%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Orchard Funding Group's 3-Year ROIIC % or its related term are showing as below:
LSE:ORCH's 3-Year ROIIC % is ranked better than 59.44% of 392
companies
in the Credit Services industry
Industry Median: 2.76
vs LSE:ORCH: 5.07
Orchard Funding Group (LSE:ORCH) 3-Year ROIIC % Explanation
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
Orchard Funding Group 3-Year ROIIC % Related Terms
Orchard Funding Group 3-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for Orchard Funding Group's 3-Year ROIIC % 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.
For the Credit Services subindustry, Orchard Funding Group's 3-Year ROIIC %, along with its competitors' market caps and 3-Year ROIIC % 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 3-Year ROIIC % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Orchard Funding Group's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Orchard Funding Group's 3-Year ROIIC % falls into.
Orchard Funding Group's 3-Year ROIIC % for the quarter that ended in Jul. 2024 is calculated as:
3-Year ROIIC %
=
3-Year Incremental Net Operating Profit After Taxes (NOPAT)**
/
3-Year Incremental Invested Capital**
=
( 2.4203835 (Jul. 2024) - 0.736678 (Jul. 2021) )
/
( 59.984 (Jul. 2024) - 26.795 (Jul. 2021) )
=
1.6837055
/
33.189
=
5.07%***
* 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.
** Annual data of NOPAT and Invested Capital was used to calculate 3-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
Orchard Funding Group (LSE:ORCH) has a 3-Year ROIIC % of 5.07 as of Jul. 2024. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Orchard Funding Group and its competitors. This is 23% below median its historical median of 6.62. According to the industry distribution chart, Orchard Funding Group ranks #159 out of 392 companies in the Credit Services industry, placing it in the top 40.6%.
Is Orchard Funding Group's 3-Year ROIIC % too high?
Orchard Funding Group's current 3-Year ROIIC % of 5.07 is 23% below median its 10-year median of 6.62. The Credit Services industry median 3-Year ROIIC % is 2.76. Orchard Funding Group's value of 5.07 is 83.7% above this industry median. Based on the distribution chart, Orchard Funding Group ranks #159 out of 392 companies in the Credit Services industry, which is above the industry midpoint. 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 3-Year ROIIC % compare to V and MA?
According to the Credit Services industry distribution chart, Orchard Funding Group ranks #159 out of 392 companies for 3-Year ROIIC %. This puts Orchard Funding Group in the upper half of its industry. The industry median 3-Year ROIIC % is 2.76. Orchard Funding Group's value of 5.07 is 83.7% above this benchmark. While the company's 10-year median is 6.62 vs. the industry median of 2.76, 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 3-Year ROIIC % for a Credit Services company?
The median 3-Year ROIIC % among Credit Services companies is 2.76, based on 392 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Orchard Funding Group's current 3-Year ROIIC % of 5.07 is 83.7% 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 3-Year ROIIC % mean?
A high 3-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Orchard Funding Group and its competitors. For the Credit Services industry, the median 3-Year ROIIC % is 2.76 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Orchard Funding Group's current 3-Year ROIIC % is 5.07, which is 23% below median its own 10-year median of 6.62. 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 3-Year ROIIC % is 5.07, which is 23% below median its 10-year median of 6.62 and 83.7% above the Credit Services industry median of 2.76. 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 3-Year ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For Orchard Funding Group (LSE:ORCH), the current 3-Year ROIIC % is 5.07 as of Jul. 2024. 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:
3-Year ROIIC %: 5.07 (23% below median its 10-year median of 6.62)
GF Value™: £0.74 vs. price of £0.62 (16.9% below fair value)
Industry Position: 83.7% above the Credit Services median (#159 of 392)
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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3-Year ROIIC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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