Orchard Funding Group plc (AIM:ORCH)

Orchard Funding Group Financials Overview

Financials in millions GBP. Fiscal year is February - January.

Revenue & Profits

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Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jan 31, 2026	Jan 31, 2026	Jul 31, 2025	Jul 31, 2024	Jul 31, 2023	Jul 31, 2022
Revenue Revenue Growth	8.94	8.94	8.82	6.56	6.53	5.66
Revenue Growth	8.77%	1.39%	34.37%	0.54%	15.33%	27.30%
Operating Income Operating Income Growth	4.39	4.39	4.01	2.05	2.24	1.88
Net Income Net Income Growth	3.29	3.29	3.07	1.58	1.71	1.52
Earnings Per Share EPS Growth	0.15	0.15	0.14	0.07	0.08	0.07
EPS Growth	22.46%	7.27%	94.24%	-7.82%	12.85%	80.93%

Revenue by Segment

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Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jan 31, 2026	Jan 31, 2026	Jul 31, 2025	Jul 31, 2024	Jul 31, 2023	Jul 31, 2022
Toyota Products Toyota Products Growth	0.71	0.71	0.66	0.59	0.34	0.17
Standard Lending Standard Lending Growth	8.24	8.24	8.16	6.06	6.26	5.56
Total Total Growth	8.95	8.95	8.82	6.64	6.6	5.73

Cash & Debt

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Fiscal Year	Current	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jan 31, 2026	Jan 31, 2026	Jul 31, 2025	Jul 31, 2024	Jul 31, 2023	Jul 31, 2022
Cash & Investments Cash & Investments Growth	1.07	1.07	0.64	1.48	2.55	4.8
Total Debt Total Debt Growth	33.64	33.64	32.86	40.22	34.72	25.53
Net Cash (Debt) Net Cash Growth	-32.57	-32.57	-32.22	-38.74	-32.17	-20.73
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share Net Cash Per Share Growth	-1.53	-1.53	-1.51	-1.81	-1.51	-0.97

Cash Flow & CapEx

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Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jan 31, 2026	Jan 31, 2026	Jul 31, 2025	Jul 31, 2024	Jul 31, 2023	Jul 31, 2022
Operating Cash Flow Operating Cash Flow Growth	4.59	4.59	7	-5.47	-10.66	-9.92
Capital Expenditures CapEx Growth	-0.01	-0.01	-0.01	-0.45	-0.05	-0
Free Cash Flow Free Cash Flow Growth	4.58	4.58	6.99	-5.92	-10.71	-9.93
Free Cash Flow Growth	69.30%	-34.49%	-	-	-	-

Margins

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Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jan 31, 2026	Jan 31, 2026	Jul 31, 2025	Jul 31, 2024	Jul 31, 2023	Jul 31, 2022
Operating Margin	49.12%	49.12%	45.45%	31.22%	34.26%	33.16%
Pretax Margin	49.14%	49.14%	45.50%	32.28%	33.25%	33.17%
Profit Margin	36.79%	36.79%	34.77%	24.05%	26.24%	26.82%
FCF Margin	51.20%	51.20%	79.24%	-90.25%	-164.08%	-175.38%

Dividends

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Fiscal Year	Current	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Aug 17, 2026	Jan 31, 2026	Jul 31, 2025	Jul 31, 2024	Jul 31, 2023	Jul 31, 2022
Dividend Per Share Dividend Per Share Growth	0.030	0.020	0.020	-	0.030	0.030
Dividend Per Share Growth	0%	0%	-	-	0%	0%
Dividend Yield	4.76%	3.39%	3.33%	-	8.25%	6.51%

Valuation

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Fiscal Year	Current	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Aug 17, 2026	Jan 31, 2026	Jul 31, 2025	Jul 31, 2024	Jul 31, 2023	Jul 31, 2022
PE Ratio	4.09	3.89	4.32	4.26	5.17	7.88
Forward PE	-	2.77	3.39	4.66	6.20	6.91
P/FCF Ratio	2.94	2.80	1.89	-	-	-
PS Ratio	1.50	1.43	1.50	1.02	1.36	2.11

Data Source: S&P Global Market Intelligence Last updated: Jul 31, 2025

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every six months for this company.

Update frequency:

Semi-annually

Last checked:

Aug 16, 2026

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