Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.
Orchard Funding Group's operating assets for the quarter that ended in Jul. 2025 was £66.91 Mil. Orchard Funding Group's operating liabilities for the quarter that ended in Jul. 2025 was £13.19 Mil. Orchard Funding Group's Total Assets for the quarter that ended in Jan. 2025 was £70.36 Mil. Therefore, Orchard Funding Group's scaled net operating assets (SNOA) for the quarter that ended in Jul. 2025 was 0.76.
Orchard Funding Group Scaled Net Operating Assets Related Terms
Orchard Funding Group Scaled Net Operating Assets Historical Data
* Premium members only.
The historical data trend for Orchard Funding Group's Scaled Net Operating Assets 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 Scaled Net Operating Assets Chart
LSE:ORCH vs V, MA, AXP: Scaled Net Operating Assets Comparison
For the Credit Services subindustry, Orchard Funding Group's Scaled Net Operating Assets, along with its competitors' market caps and Scaled Net Operating Assets 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 Scaled Net Operating Assets vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Orchard Funding Group's Scaled Net Operating Assets distribution charts can be found below:
* The bar in red indicates where Orchard Funding Group's Scaled Net Operating Assets 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.
What does a Scaled Net Operating Assets of 0.76 mean?
Orchard Funding Group (LSE:ORCH) has a Scaled Net Operating Assets of 0.76 as of Jul. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Orchard Funding Group and its competitors.
Is Orchard Funding Group's Scaled Net Operating Assets too high?
Orchard Funding Group's current Scaled Net Operating Assets is 0.76. 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 Scaled Net Operating Assets compare to V and MA?
Orchard Funding Group's Scaled Net Operating Assets of 0.76 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Credit Services company?
A good Scaled Net Operating Assets depends on the Credit Services industry context. However, Scaled Net Operating Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Orchard Funding Group and its competitors. Orchard Funding Group's current Scaled Net Operating Assets is 0.76. 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 £0.63 — trading 12.5% below its estimated fair value. The current Scaled Net Operating Assets is 0.76. Orchard Funding Group's overall GF Score™ is 50/100 with 11 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Orchard Funding Group (LSE:ORCH), the current Scaled Net Operating Assets is 0.76 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 £0.63 is trading 12.5% below its estimated GF Value™ of £0.72.
GuruFocus considers Orchard Funding Group to be Modestly Undervalued.
Key valuation signals for LSE:ORCH:
Scaled Net Operating Assets: 0.76
GF Value™: £0.72 vs. price of £0.63 (12.5% below fair value)
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.
50GF Score
Get the complete analysis for LSE:ORCH
Scaled Net Operating Assets 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 
