OSB Group /£OSB
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About OSB Group
OSB Group PLC, founded in 2011, is a specialist mortgage lender and retail savings group in the UK, primarily focused on selected sub-segments where it has an established expertise and strength. Operating mainly under its brands, OneSavings Bank and Charter Court Financial Services, the company offers residential, buy-to-let and commercial mortgages, along with savings solutions. OSB Group, listed on the London Stock Exchange under the ticker OSB, continues to grow through a combination of organic growth and strategic acquisitions.
Ticker
£OSB
Sector
Primary listing
LSE
Employees
2,460
Headquarters
Website
OSB Group Metrics
BasicAdvanced
£2B
7.92
£0.69
1.29
£0.34
6.18%
Price and volume
Market cap
£2B
Beta
1.29
52-week high
£5.75
52-week low
£3.44
Average daily volume
834K
Dividend rate
£0.34
Financial strength
Dividend payout ratio (TTM)
49.50%
Profitability
Net profit margin (TTM)
42.72%
Operating margin (TTM)
58.27%
Effective tax rate (TTM)
26.33%
Revenue per employee (TTM)
£260,000
Management effectiveness
Return on assets (TTM)
0.89%
Return on equity (TTM)
12.45%
Valuation
Price to earnings (TTM)
7.925
Price to revenue (TTM)
3.196
Price to book
0.99
Price to tangible book (TTM)
1.02
Price to free cash flow (TTM)
16.7
Free cash flow yield (TTM)
5.99%
Free cash flow per share (TTM)
0.325
Dividend yield (TTM)
6.18%
Growth
Revenue change (TTM)
-19.36%
Earnings per share change (TTM)
-29.37%
3-year revenue growth (CAGR)
-2.67%
3-year earnings per share growth (CAGR)
-7.32%
10-year earnings per share growth (CAGR)
9.52%
3-year dividend per share growth (CAGR)
4.60%
10-year dividend per share growth (CAGR)
19.18%
What the Analysts think about OSB Group
Analyst ratings (Buy, Hold, Sell) for OSB Group stock.
Bulls say / Bears say
Stable credit performance: loans over three months in arrears remained unchanged at 1.7% as of 31 March 2025, demonstrating prudent lending standards and strong borrower profiles. (GlobeNewswire)
Robust capital ratios: the Group's common equity tier 1 ratio was 16.3% at 31 December 2024, providing a significant buffer above regulatory requirements. (GlobeNewswire)
Shareholder returns: management introduced a £100m share buyback programme in March 2025 and had repurchased £15.7m of shares by Q1-end, reinforcing their focus on capital efficiency and returns for shareholders. (GlobeNewswire) (GlobeNewswire)
Margin compression: the statutory net interest margin narrowed to 230 basis points in 2024 from 231bps in 2023, with front-book NIM of about 225bps expected for 2025, indicating ongoing pressure from higher funding costs. (GlobeNewswire)
Profitability decline: profit before tax in H1 2025 dropped 20% to £192.3m, mainly due to lower net interest income and fair value losses, highlighting weaker earnings. (Investing.com)
Rising costs: the cost-to-income ratio rose to 39% in 2024 from 36% a year earlier, driven by spending on transformation programmes and higher regulatory charges, creating a potential drag on operating leverage. (GlobeNewswire)
Data summarised monthly by Lightyear AI. Last updated on 1 Sept 2025.
OSB Group Financial Performance
Revenues and expenses
OSB Group Earnings Performance
Company profitability
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Market data provided by CBOE Europe and Deutsche Börse.
Capital at risk
Upcoming events
Sept19
OSB Group
DividendPayment
£0.112Per share
FAQs
What’s the current market cap for OSB Group stock?
OSB Group (OSB) has a market cap of £2B as of September 18, 2025.
What is the P/E ratio for OSB Group stock?
The price to earnings (P/E) ratio for OSB Group (OSB) stock is 7.92 as of September 18, 2025.
Does OSB Group stock pay dividends?
Yes, the OSB Group (OSB) stock pays dividends to shareholders. As of September 18, 2025, the dividend rate is £0.336 and the yield is 6.18%. OSB Group has a payout ratio of 49.5% on a trailing twelve-month basis.
When is the next OSB Group dividend payment date?
The next OSB Group (OSB) dividend payment is scheduled for September 19, 2025.
What is the beta indicator for OSB Group ?
OSB Group (OSB) has a beta rating of 1.29. This means that it is more volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 2 would indicate the stock moves twice as much as the market.