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Orchard Funding (ORCH) AI Stock Analysis
Orchard Funding
(LSE:ORCH)
The score is primarily supported by attractive valuation and solid profitability. Strong technical momentum is a secondary positive, while historically weak cash generation and increasing leverage are the main risks. Recent revenue contraction and overbought technical indicators also limit the overall score.
Orchard Funding (ORCH) vs. iShares MSCI United Kingdom ETF (EWC)
- Market Cap
- GBP 14.84M
- Dividend Yield
- 5.76%
- Average Volume (3M)
- 33.88K
- Price to Earnings (P/E)
- 4.1
- Beta (1Y)
- -0.49
- Revenue Growth
- 53.19%
- EPS Growth
- 129.54%
- Country
- UK
- Employees
- 23
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Financial - Credit Services
Orchard Funding Business Overview & Revenue Model
Company Description
Orchard Funding Group plc is a UK-based financial services company, operating through its various subsidiaries, which specializes in providing flexible financing solutions. The company enables both businesses and individual customers to manage the ex...
Orchard Funding Financial Statement Overview
Summary
Profitability is strong and earnings remain positive, but rising leverage and historically weak, volatile cash flow materially reduce the score despite recent cash-flow improvement.
Income Statement
72PositiveBalance Sheet
65PositiveCash Flow
40Negative| Breakdown | TTM | Jan 2026 | Jul 2025 | Jul 2024 | Jul 2023 | Jul 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 10.49M | 10.49M | 10.50M | 9.64M | 7.86M | 6.19M |
| Gross Profit | 9.85M | 10.31M | 9.93M | 5.37M | 4.14M | 4.78M |
| EBITDA | 6.03M | 6.51M | 5.86M | 2.23M | 2.22M | 1.94M |
| Net Income | 3.29M | 3.29M | 3.07M | 1.58M | 1.71M | 1.52M |
Balance Sheet | ||||||
| Total Assets | 67.82M | 67.82M | 67.55M | 69.19M | 61.88M | 48.84M |
| Cash, Cash Equivalents and Short-Term Investments | 1.07M | 1.07M | 639.00K | 1.48M | 2.55M | 4.80M |
| Total Debt | 33.64M | 33.64M | 32.86M | 40.22M | 34.72M | 25.52M |
| Total Liabilities | 44.61M | 44.61M | 46.04M | 50.25M | 44.13M | 32.16M |
| Stockholders Equity | 23.20M | 23.19M | 21.54M | 18.90M | 17.75M | 16.68M |
Cash Flow | ||||||
| Free Cash Flow | 7.76M | 6.87M | 6.99M | -6.14M | -10.72M | -9.94M |
| Operating Cash Flow | 7.77M | 6.89M | 7.01M | -5.47M | -10.66M | -9.92M |
| Investing Cash Flow | -13.00K | -15.00K | -14.00K | -628.00K | -97.00K | -16.00K |
| Financing Cash Flow | -7.60M | -7.28M | -7.84M | 5.03M | 8.51M | 12.56M |
Orchard Funding Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:ORCH, the sentiment is Positive. The current price of 70.00 is above the 20-day moving average (MA) of 64.51, above the 50-day MA of 61.14, and above the 200-day MA of 57.66, indicating a bullish trend. The MACD of 2.68 indicates Negative momentum. The RSI at 75.09 is Negative, neither overbought nor oversold. The STOCH value of 70.68 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GB:ORCH.
Orchard Funding Peers Comparison
Overall Rating
GB:TIME74Outperform- GB:ORCH69Neutral
GB:FCH62Neutral
GB:LEND34Underperform
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| GB:TIME | 74Outperform | GBP 54.49M | 8.90 | 8.28% | ― | 5.19% | 14.53% |
| GB:ORCH | 69Neutral | GBP 14.95M | 4.07 | 15.18% | 5.76% | 53.19% | 129.54% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| GB:FCH | 62Neutral | GBP 571.83M | 9.99 | 26.71% | ― | 52.96% | 242.50% |
| GB:LEND | 34Underperform | GBP 8.08M | -0.50 | 216.55% | ― | 37.16% | -1246.15% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| GB:ORCH | Orchard Funding | 69.50 | 14.11 | 25.47% | |
| GB:TIME | Time Finance plc | 58.90 | 11.40 | 24.00% | |
| GB:BANK | Immedia Group plc | 2.25 | -7.00 | -75.68% | |
| GB:LEND | Sancus Lending Group Limited | 0.75 | 0.30 | 66.67% | |
| GB:FCH | Funding Circle Holdings | 208.00 | 76.60 | 58.30% | |
| GB:ZAIM | Zaim Credit Systems Plc | 4.50 | 0.00 | 0.00% |
Orchard Funding Corporate Events
Orchard Funding lifts half‑year profit as lower funding costs offset softer lending
PositiveOrchard Funding Group PLC reported a 32 percent rise in profit before tax to £2.52 million for the six months to 31 July 2026, despite a 5.14 percent decline in overall lending volumes and slightly lower total revenue. Improved profitability was...
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Nov 02, 2026