Orchard Funding Group plc (AIM:ORCH)

Orchard Funding Group Income Statement

Financials in millions GBP. Fiscal year is August - July.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jan 31, 2025	Jul 31, 2024	Jul 31, 2023	Jul 31, 2022	Jul 31, 2021	Jul 31, 2020
Interest and Dividend Income	8.45	7.67	6.22	5	3.78	4.56
Total Interest Expense	1.86	1.84	1.27	0.47	0.28	0.47
Net Interest Income	6.59	5.83	4.94	4.54	3.5	4.09
Other Revenue	1.86	1.97	1.65	1.19	0.82	0.72
Revenue Before Loan Losses	8.45	7.8	6.59	5.72	4.32	4.81
Provision for Loan Losses	0.81	1.24	0.06	0.06	-0.13	0.13
Revenue	7.64	6.56	6.53	5.66	4.45	4.68
Revenue Growth (YoY)	16.20%	0.54%	15.33%	27.30%	-5.02%	-4.82%
Cost of Services Provided	0.71	0.84	0.91	0.76	0.6	0.53
Other Operating Expenses	3.86	3.67	3.38	3.03	2.79	2.59
Total Operating Expenses	4.56	4.52	4.29	3.78	3.4	3.13
Operating Income	3.08	2.05	2.24	1.88	1.05	1.56
EBT Excluding Unusual Items	3.08	2.06	2.25	1.88	1.05	1.56
Gain (Loss) on Sale of Investments	0.08	0.08	-0.08	-	-	-
Impairment of Goodwill	-0.01	-0.01	-	-	-	-
Pretax Income	3.15	2.12	2.17	1.88	1.05	1.56
Income Tax Expense	0.86	0.55	0.46	0.36	0.21	0.29
Earnings From Continuing Ops.	2.29	1.57	1.71	1.52	0.84	1.27
Minority Interest in Earnings	0.02	0.01	-	-	-	-
Net Income	2.31	1.58	1.71	1.52	0.84	1.27
Net Income to Common	2.31	1.58	1.71	1.52	0.84	1.27
Net Income Growth	52.41%	-7.82%	12.85%	80.93%	-34.09%	-22.09%
Shares Outstanding (Basic)	21	21	21	21	21	21
Shares Outstanding (Diluted)	21	21	21	21	21	21
EPS (Basic)	0.11	0.07	0.08	0.07	0.04	0.06
EPS (Diluted)	0.11	0.07	0.08	0.07	0.04	0.06
EPS Growth	52.41%	-7.82%	12.85%	80.93%	-34.09%	-22.09%
Free Cash Flow	-1.58	-5.92	-10.71	-9.93	-0.65	6.03
Free Cash Flow Per Share	-0.07	-0.28	-0.50	-0.47	-0.03	0.28
Dividend Per Share	0.010	-	0.030	0.030	0.030	0.030
Dividend Growth	-50.00%	-	-	-	-	-
Operating Margin	40.29%	31.22%	34.26%	33.16%	23.61%	33.21%
Profit Margin	30.20%	24.05%	26.24%	26.82%	18.87%	27.19%
Free Cash Flow Margin	-20.69%	-90.25%	-164.08%	-175.38%	-14.66%	128.86%
Effective Tax Rate	27.34%	26.05%	21.10%	19.17%	20.09%	18.45%

Updated Dec 16, 2024. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.