Orchard Funding Group PLC (ORCH) - Net Assets
Based on the latest financial reports, Orchard Funding Group PLC (ORCH) has net assets worth GBX20.46 Million GBX (≈ $2.49K USD) 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 ≈ $8.56K USD) and total liabilities (GBX49.90 Million ≈ $6.07K USD). 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. Check Orchard Funding Group PLC tangible equity quality to evaluate the tangible quality of the company's equity base.
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. See ORCH days of operational coverage to measure how many days the company can operate on defensive assets alone.
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. For live valuation and market cap data, see market cap of Orchard Funding Group PLC.
| Year | Net Assets | Change |
|---|---|---|
| 2024-07-31 | GBX18.93 Million ≈ $2.30K |
+6.67% |
| 2023-07-31 | GBX17.75 Million ≈ $2.16K |
+6.43% |
| 2022-07-31 | GBX16.68 Million ≈ $2.03K |
+5.55% |
| 2021-07-31 | GBX15.80 Million ≈ $1.92K |
+1.27% |
| 2020-07-31 | GBX15.60 Million ≈ $1.90K |
-54.38% |
| 2019-07-31 | GBX34.20 Million ≈ $4.16K |
+143.66% |
| 2018-07-31 | GBX14.04 Million ≈ $1.71K |
+6.62% |
| 2017-07-31 | GBX13.17 Million ≈ $1.60K |
+6.68% |
| 2016-07-31 | GBX12.34 Million ≈ $1.50K |
+6.05% |
| 2015-07-31 | GBX11.64 Million ≈ $1.42K |
+23650.15% |
| 2014-07-31 | GBX49.00K ≈ $5.96 |
-52.88% |
| 2013-07-31 | GBX104.00K ≈ $12.65 |
-58.40% |
| 2012-07-31 | GBX250.00K ≈ $30.42 |
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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 |
|---|---|
|
Meyer Burger Tech AG
SW:MBTN
|
$151.86K |
|
Xeros Technology Group Plc
LSE:XSG
|
$152.05K |
|
Paranovus Entertainment Technology Ltd.
NASDAQ:PAVS
|
$152.69K |
|
RTC Group plc
LSE:RTC
|
$154.28K |
|
Kukbo Co. Ltd.
KO:001140
|
$150.40K |
|
Vergnet
PA:ALVER
|
$147.53K |
|
Rua Life Sciences PLC
LSE:RUA
|
$147.24K |
|
Metrics in Balance NV
PA:MLMIB
|
$144.89K |
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: 65.53x
- 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 4954.17x to 65.53x 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 | GBX58.00 | x |
| 2013-07-31 | GBX0.00 | GBX58.00 | x |
| 2014-07-31 | GBX0.00 | GBX58.00 | x |
| 2015-07-31 | GBX0.54 | GBX58.00 | x |
| 2016-07-31 | GBX0.58 | GBX58.00 | x |
| 2017-07-31 | GBX0.62 | GBX58.00 | x |
| 2018-07-31 | GBX0.66 | GBX58.00 | x |
| 2019-07-31 | GBX0.70 | GBX58.00 | x |
| 2020-07-31 | GBX0.73 | GBX58.00 | x |
| 2021-07-31 | GBX0.74 | GBX58.00 | x |
| 2022-07-31 | GBX0.78 | GBX58.00 | x |
| 2023-07-31 | GBX0.83 | GBX58.00 | x |
| 2024-07-31 | GBX0.89 | GBX58.00 | 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: $6,021,754,786
- Average return on equity (ROE) among peers: -37.64%
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 | $150.69K |
| Amigo Holdings PLC (AMGO) | $12.60 Million | -276.23% | 16.39x | $355.08K |
| ASA International Group PLC (ASAI) | $96.49 Million | 30.31% | 4.89x | $2.80 Million |
| Distribution Finance Capital Holdings PLC (DFCH) | $127.61 Million | 11.88% | 6.84x | $1.13 Million |
| Funding Circle Holdings PLC (FCH) | $4.92 Million | -83.15% | 0.67x | $5.09 Million |
| General Accident PLC (GACA) | $13.94 Billion | 0.99% | 0.00x | $374.75 Million |
| H&T Group plc (HAT) | $35.75 Million | 19.91% | 1.27x | $3.44 Million |
| International Personal Finance PLC (IPF) | $39.76 Billion | 0.00% | 15.47x | $6.63 Million |
| Sancus Lending Group Ltd (LEND) | $29.49 Million | -49.22% | 2.49x | $83.56K |
| Litigation Capital Management Limited (LIT) | $188.94 Million | 6.73% | 2.13x | $25.86K |
About Orchard Funding Group PLC
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