Orchard Funding Group Income Statement

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

Millions GBP. Fiscal year is Feb - Jan.

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jan '26 Jan 31, 2026	Jul '25 Jul 31, 2025	Jul '24 Jul 31, 2024	Jul '23 Jul 31, 2023	Jul '22 Jul 31, 2022
Net Interest Income	10.87	7.09	5.77	4.87	4.42
Net Interest Income Growth	53.29%	22.90%	18.36%	10.40%	37.07%
Non-Interest Income	1.82	1.21	1.12	0.74	0.43
Non-Interest Income Growth	50.29%	7.93%	52.03%	71.23%	101.40%
Revenues Before Loan Losses	12.68	8.3	6.89	5.6	4.85
Provision for Credit Losses	0.06	0.04	1.24	0.06	0.06
Revenue	12.62	8.26	5.65	5.54	4.78
Revenue Growth	52.83%	46.16%	1.99%	15.80%	34.04%
Selling, General & Admin	6.03	4.25	3.6	3.3	2.91
Other Non-Interest Expenses	0	-	0.09	0.08	-
Total Non-Interest Expense	6.03	4.25	3.69	3.38	2.91
Pretax Income	6.59	4.01	2.12	2.17	1.88
Provision for Income Taxes	1.68	1.01	0.55	0.46	0.36
Net Income	4.91	3.01	1.57	1.71	1.52
Minority Interest in Earnings	0.02	0.06	0.01	-	-
Net Income to Common	4.94	3.07	1.58	1.71	1.52
Net Income Growth	60.91%	94.24%	-7.82%	12.85%	80.93%
Shares Outstanding (Basic)	21	21	21	21	21
Shares Outstanding (Diluted)	21	21	21	21	21
Shares Change	-	-	-	-	-
EPS (Basic)	0.23	0.14	0.07	0.08	0.07
EPS (Diluted)	0.23	0.14	0.07	0.08	0.07
EPS Growth	60.86%	94.45%	-7.97%	12.94%	81.84%

Additional Metrics

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jan '26 Jan 31, 2026	Jul '25 Jul 31, 2025	Jul '24 Jul 31, 2024	Jul '23 Jul 31, 2023	Jul '22 Jul 31, 2022
Free Cash Flow	6.87	6.99	-5.92	-10.67	-9.93
Free Cash Flow Growth	-1.73%	-	-	-	-
Free Cash Flow Per Share	0.32	0.33	-0.28	-0.50	-0.47
Dividends Per Share	0.020	0.020	-	0.030	0.030
Dividend Growth	0%	-	-	0%	0%
Profit Margin	38.94%	36.39%	27.73%	30.92%	31.73%
FCF Margin	54.42%	84.63%	-104.85%	-192.60%	-207.53%
Effective Tax Rate	25.46%	25.12%	26.05%	21.10%	19.17%