Orchard Funding Group PLC

LSE:ORCH UK Credit Services
Market Cap
$148.10K
GBX1.22 Billion GBX
Market Cap Rank
#47650 Global
#1080 in UK
Share Price
GBX57.00
Change (1 day)
-4.20%
52-Week Range
GBX28.50 - GBX67.00
All Time High
GBX81.72
Categories
Companies in UK Credit Services Banking & Financial
About

Orchard Funding Group plc, through its subsidiaries, offers insurance premium finance, professional fee funding, finance, and secured property lending services in the United Kingdom. It operates in two segments, Standard Lending and Toyota Products. The company provides finance to businesses and consumers for spreading the cost of their insurance premiums; and professional customized fee funding … Read more

Orchard Funding Group PLC (ORCH) - Net Assets

Latest net assets as of January 2025: GBX20.46 Million GBX

Based on the latest financial reports, Orchard Funding Group PLC (ORCH) has net assets worth GBX20.46 Million GBX as of January 2025.

Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (GBX70.36 Million) and total liabilities (GBX49.90 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.

Key Net Assets Metrics

Metric Value
Current Net Assets GBX20.46 Million
% of Total Assets 29.07%
Annual Growth Rate 43.42%
5-Year Change 21.34%
10-Year Change 62.68%
Growth Volatility 6536.32

Orchard Funding Group PLC - Net Assets Trend (2012–2024)

This chart illustrates how Orchard Funding Group PLC's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.

Annual Net Assets for Orchard Funding Group PLC (2012–2024)

The table below shows the annual net assets of Orchard Funding Group PLC from 2012 to 2024.

Year Net Assets Change
2024-07-31 GBX18.93 Million +6.67%
2023-07-31 GBX17.75 Million +6.43%
2022-07-31 GBX16.68 Million +5.55%
2021-07-31 GBX15.80 Million +1.27%
2020-07-31 GBX15.60 Million -54.38%
2019-07-31 GBX34.20 Million +143.66%
2018-07-31 GBX14.04 Million +6.62%
2017-07-31 GBX13.17 Million +6.68%
2016-07-31 GBX12.34 Million +6.05%
2015-07-31 GBX11.64 Million +23650.15%
2014-07-31 GBX49.00K -52.88%
2013-07-31 GBX104.00K -58.40%
2012-07-31 GBX250.00K --

Equity Component Analysis

This analysis shows how different components contribute to Orchard Funding Group PLC's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.

Equity Composition Insights

  • Retained earnings have grown by 3541.6% over the analyzed period, indicating profitable operations and earnings retention.

Current Equity Component Breakdown (July 2024)

Component Amount Percentage
Retained Earnings GBX9.10 Million 48.17%
Common Stock GBX214.00K 1.13%
Other Components GBX9.58 Million 50.70%
Total Equity GBX18.90 Million 100.00%

Orchard Funding Group PLC Competitors by Market Cap

The table below lists competitors of Orchard Funding Group PLC ranked by their market capitalization.

Company Market Cap
Nasdaq Global Travel and Leisur
STU:A4E1
 		$1.51K
Nicolas Miguet et Associes SA
PA:MLNMA
 		$1.51K
CONVERTIS
BE:LAH1
 		$1.51K
Galileo Resources Plc
LSE:GLR
 		$1.51K
RENALYTIX SP.ADS/2
F:2O9A
 		$1.50K
Arno Therapeutics
OTCGREY:ARNI
 		$1.50K
Spirits Time International Inc
PINK:SRSG
 		$1.50K
Amper SA
MU:APR
 		$1.50K

Equity Growth Attribution

This analysis shows how different factors contributed to changes in Orchard Funding Group PLC's equity between the two most recent reporting periods.

Equity Growth Insights

  • From 2023 to 2024, total equity changed from 17,749,000 to 18,901,000, a change of 1,152,000 (6.5%).
  • Net income of 1,579,000 contributed positively to equity growth.
  • Dividend payments of 427,000 reduced retained earnings.
  • Other comprehensive income decreased equity by 891,000.
  • Other factors increased equity by 891,000.

Equity Change Factors (2023 to 2024)

Factor Impact Contribution
Net Income GBX1.58 Million +8.35%
Dividends Paid GBX427.00K -2.26%
Other Comprehensive Income GBX-891.00K -4.71%
Other Changes GBX891.00K +4.71%
Total Change GBX- 6.49%

Book Value vs Market Value Analysis

This analysis compares Orchard Funding Group PLC's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.

Valuation Insights

  • Current price-to-book ratio: 64.40x
  • The company is trading at a significant premium to its book value, suggesting the market values its earnings potential, brand, or other intangibles highly.
  • The price-to-book ratio has decreased from 4868.75x to 64.40x over the analyzed period, indicating reduced market premium.

Historical Price-to-Book Ratios

Date Book Value per Share Market Price P/B Ratio
2012-07-31 GBX0.01 GBX57.00 x
2013-07-31 GBX0.00 GBX57.00 x
2014-07-31 GBX0.00 GBX57.00 x
2015-07-31 GBX0.54 GBX57.00 x
2016-07-31 GBX0.58 GBX57.00 x
2017-07-31 GBX0.62 GBX57.00 x
2018-07-31 GBX0.66 GBX57.00 x
2019-07-31 GBX0.70 GBX57.00 x
2020-07-31 GBX0.73 GBX57.00 x
2021-07-31 GBX0.74 GBX57.00 x
2022-07-31 GBX0.78 GBX57.00 x
2023-07-31 GBX0.83 GBX57.00 x
2024-07-31 GBX0.89 GBX57.00 x

Capital Efficiency Dashboard

This dashboard shows how efficiently Orchard Funding Group PLC utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.

Capital Efficiency Insights

  • Current Return on Equity (ROE): 8.35%
  • The company has moderate efficiency in generating returns from equity.
  • DuPont Analysis Breakdown:
  • • Net Profit Margin: 16.38%
  • • Asset Turnover: 0.14x
  • • Equity Multiplier: 3.66x
  • Recent ROE (8.35%) is above the historical average (-286.47%), indicating improving capital efficiency.

Historical Capital Efficiency Metrics

Year Return on Equity Net Profit Margin Asset Turnover Equity Multiplier Economic Value Added
2012 -446.40% -40.91% 0.34x 32.14x GBX-1.14 Million
2013 -1152.88% -42.07% 0.34x 81.05x GBX-1.21 Million
2014 -2214.29% -125.29% 0.11x 167.43x GBX-1.09 Million
2015 8.89% 30.34% 0.16x 1.79x GBX-129.34K
2016 8.14% 31.08% 0.14x 1.91x GBX-230.09K
2017 10.16% 31.62% 0.14x 2.31x GBX21.18K
2018 10.77% 41.71% 0.11x 2.31x GBX108.30K
2019 10.92% 33.22% 0.14x 2.31x GBX137.00K
2020 8.16% 24.11% 0.18x 1.92x GBX-287.20K
2021 5.31% 18.24% 0.14x 2.05x GBX-741.00K
2022 9.10% 24.52% 0.13x 2.93x GBX-149.70K
2023 9.65% 21.78% 0.13x 3.49x GBX-61.90K
2024 8.35% 16.38% 0.14x 3.66x GBX-311.10K

Industry Comparison

This section compares Orchard Funding Group PLC's net assets metrics with peer companies in the Credit Services industry.

Industry Context

  • Industry: Credit Services
  • Average net assets among peers: $1,451,494,031
  • Average return on equity (ROE) among peers: -5.75%

Peer Company Comparison

Company Net Assets Return on Equity Debt-to-Equity Market Cap
Orchard Funding Group PLC (ORCH) GBX20.46 Million -446.40% 2.44x $1.51K
Amigo Holdings PLC (AMGO) $0.00 0.00% 0.00x $2.59K
ASA International Group PLC (ASAI) $107.07 Million -0.67% 4.41x $25.43K
Fiinu PLC (BANK) $332.01K -45.41% 2.90x $4.00K
Distribution Finance Capital Holdings PLC (DFCH) $50.89 Million -26.73% 2.96x $10.03K
Equals Group PLC (EQLS) $49.52 Million -10.85% 0.46x $34.33K
General Accident PLC (GACA) $13.97 Billion 1.33% 0.00x $126.54
H&T Group plc (HAT) $192.13 Million 11.57% 0.51x $34.39K
ICFG Limited (ICFG) $-7.14 Million 0.00% 0.00x $19.53
Sancus Lending Group Ltd (LEND) $61.25 Million 3.32% 1.93x $278.52
Litigation Capital Management Limited (LIT) $88.89 Million 9.97% 1.25x $1.34K