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Orchard Funding GroupLSE:ORCH 56 5-Year Yield-on-Cost % is 2.40 as of Jul. 26, 2026, which is 19% below its 10-year median of 2.97. 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 212 Credit Services companies, Orchard Funding Group ranks worse than 67.45% on this metric.
Orchard Funding Group's yield on cost for the quarter that ended in Jul. 2025 was 2.40.
The historical rank and industry rank for Orchard Funding Group's 5-Year Yield-on-Cost % or its related term are showing as below:
LSE:ORCH'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.09 Med: 2.97 Max: 14.51
Current: 2.4
During the past 13 years, Orchard Funding Group's highest Yield on Cost was 14.51. The lowest was 1.09. And the median was 2.97.
LSE:ORCH's 5-Year Yield-on-Cost % is ranked worse than 67.45% of 212
companies
in the Credit Services industry
Industry Median: 4.505
vs LSE:ORCH: 2.40
Orchard Funding Group (LSE:ORCH) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Orchard Funding Group 5-Year Yield-on-Cost % Related Terms
LSE:ORCH vs V, MA, AXP: 5-Year Yield-on-Cost % Comparison
For the Credit Services subindustry, Orchard Funding Group's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Orchard Funding Group's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Orchard Funding Group's 5-Year Yield-on-Cost % falls into.
Orchard Funding Group 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Orchard Funding Group (LSE:ORCH) has a 5-Year Yield-on-Cost % of 2.40 as of Jul. 26, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Orchard Funding Group and its competitors. This is 19% below median its historical median of 2.97. Over the past decade, Orchard Funding Group's 5-Year Yield-on-Cost % has ranged from 1.09 to 14.51. According to the industry distribution chart, Orchard Funding Group ranks #143 out of 212 companies in the Credit Services industry, placing it in the top 67.5%.
Is Orchard Funding Group's 5-Year Yield-on-Cost % too high?
Orchard Funding Group's current 5-Year Yield-on-Cost % of 2.40 is 19% below median its 10-year median of 2.97. Over the past 10 years, this metric has ranged from a low of 1.09 to a high of 14.51. The Credit Services industry median 5-Year Yield-on-Cost % is 4.51. Orchard Funding Group's value of 2.40 is 46.7% below this industry median. Based on the distribution chart, Orchard Funding Group ranks #143 out of 212 companies in the Credit Services industry, which is below 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 5-Year Yield-on-Cost % compare to V and MA?
According to the Credit Services industry distribution chart, Orchard Funding Group ranks #143 out of 212 companies for 5-Year Yield-on-Cost %. This places Orchard Funding Group in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 4.51. Orchard Funding Group's value of 2.40 is 46.7% below this benchmark. Historically, Orchard Funding Group's own 5-Year Yield-on-Cost % has ranged from 1.09 to 14.51 over the past decade. While the company's 10-year median is 2.97 vs. the industry median of 4.51, Orchard Funding Group has consistently been below 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 5-Year Yield-on-Cost % for a Credit Services company?
The median 5-Year Yield-on-Cost % among Credit Services companies is 4.51, based on 212 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Orchard Funding Group's current 5-Year Yield-on-Cost % of 2.40 is 46.7% below 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Orchard Funding Group and its competitors. For the Credit Services industry, the median 5-Year Yield-on-Cost % is 4.51 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Orchard Funding Group's current 5-Year Yield-on-Cost % is 2.40, which is 19% below median its own 10-year median of 2.97. 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 £0.63 — trading 15.5% below its estimated fair value. The current 5-Year Yield-on-Cost % is 2.40, which is 19% below median its 10-year median of 2.97 and 46.7% below the Credit Services industry median of 4.51. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Orchard Funding Group (LSE:ORCH), the current 5-Year Yield-on-Cost % is 2.40 as of Jul. 26, 2026. 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 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:
5-Year Yield-on-Cost %: 2.40 (19% below median its 10-year median of 2.97)
GF Value™: £0.74 vs. price of £0.63 (15.5% below fair value)
Industry Position: 46.7% below the Credit Services median (#143 of 212)
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
Get the complete analysis for LSE:ORCH
5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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