Orchard Funding Group Income Statement

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

Millions GBP. Fiscal year is Aug - Jul.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '25 Jul 31, 2025	Jul '24 Jul 31, 2024	Jul '23 Jul 31, 2023	Jul '22 Jul 31, 2022	Jul '21 Jul 31, 2021
Interest and Dividend Income	8.81	7.67	6.22	5	3.78
Total Interest Expense	1.64	1.84	1.27	0.47	0.28
Net Interest Income	7.17	5.83	4.94	4.54	3.5
Other Revenue	1.69	1.97	1.65	1.19	0.82
Revenue Before Loan Losses	8.86	7.8	6.59	5.72	4.32
Provision for Loan Losses	0.04	1.24	0.06	0.06	-0.13
Revenue	8.82	6.56	6.53	5.66	4.45
Revenue Growth (YoY)	34.37%	0.54%	15.33%	27.30%	-5.02%
Cost of Services Provided	0.48	0.84	0.91	0.76	0.6
Other Operating Expenses	4.33	3.67	3.38	3.03	2.79
Total Operating Expenses	4.81	4.52	4.29	3.78	3.4
Operating Income	4.01	2.05	2.24	1.88	1.05
EBT Excluding Unusual Items	4.01	2.06	2.25	1.88	1.05
Gain (Loss) on Sale of Investments	-	0.08	-0.08	-	-
Impairment of Goodwill	-	-0.01	-	-	-
Pretax Income	4.01	2.12	2.17	1.88	1.05
Income Tax Expense	1.01	0.55	0.46	0.36	0.21
Earnings From Continuing Ops.	3.01	1.57	1.71	1.52	0.84
Minority Interest in Earnings	0.06	0.01	-	-	-
Net Income	3.07	1.58	1.71	1.52	0.84
Net Income to Common	3.07	1.58	1.71	1.52	0.84
Net Income Growth	94.24%	-7.82%	12.85%	80.93%	-34.09%
Shares Outstanding (Basic)	21	21	21	21	21
Shares Outstanding (Diluted)	21	21	21	21	21
EPS (Basic)	0.14	0.07	0.08	0.07	0.04
EPS (Diluted)	0.14	0.07	0.08	0.07	0.04
EPS Growth	94.24%	-7.82%	12.85%	80.93%	-34.09%
Free Cash Flow	6.99	-5.92	-10.71	-9.93	-0.65
Free Cash Flow Per Share	0.33	-0.28	-0.50	-0.47	-0.03
Dividend Per Share	0.020	-	0.030	0.030	0.030
Operating Margin	45.45%	31.22%	34.26%	33.16%	23.61%
Profit Margin	34.77%	24.05%	26.24%	26.82%	18.87%
Free Cash Flow Margin	79.24%	-90.25%	-164.08%	-175.38%	-14.66%
Effective Tax Rate	25.12%	26.05%	21.10%	19.17%	20.09%