OSB Group /£OSB
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Capital at risk
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
- Finance
- Primary listing
- LSE
- Employees
- 2,431
- Headquarters
- Chatham, United Kingdom
- Website
- www.osb.co.uk
OSB Group Metrics
BasicAdvanced
£1.7B
6.65
£0.75
1.05
£0.36
7.24%
Price and volume
Market cap
£1.7B
Beta
1.05
52-week high
£6.48
52-week low
£4.79
Average daily volume
1.1M
Dividend rate
£0.36
Financial strength
Dividend payout ratio (TTM)
47.56%
Profitability
Net profit margin (TTM)
43.25%
Operating margin (TTM)
61.28%
Effective tax rate (TTM)
24.51%
Revenue per employee (TTM)
£270,000
Management effectiveness
Return on assets (TTM)
0.94%
Return on equity (TTM)
12.91%
Valuation
Price to earnings (TTM)
6.649
Price to revenue (TTM)
2.689
Price to book
0.84
Price to tangible book (TTM)
0.87
Price to free cash flow (TTM)
-2.294
Free cash flow yield (TTM)
-43.60%
Free cash flow per share (TTM)
-2.162
Dividend yield (TTM)
7.24%
Growth
Revenue change (TTM)
3.70%
Earnings per share change (TTM)
7.56%
3-year revenue growth (CAGR)
4.90%
3-year earnings per share growth (CAGR)
9.33%
10-year earnings per share growth (CAGR)
4.16%
3-year dividend per share growth (CAGR)
3.91%
10-year dividend per share growth (CAGR)
14.10%
What the Analysts think about OSB Group
Analyst ratings (Buy, Hold, Sell) for OSB Group stock.
Analyst projections of the future price of OSB Group stock.
Bulls say / Bears say
Net loan book grew 1.3% to £26.3bn in H1 2026, supported by a 10% increase in originations to £2.3bn, demonstrating strong demand in core lending segments (Investegate)
Retail deposits increased by 3% to £25.0bn, reflecting a resilient and diversified funding base in a competitive savings market (LSE RNS)
Interim dividend was raised by 5% to 11.8p per share, underscoring robust cash generation and the board’s commitment to returning capital to shareholders (LSE RNS)
Profit before tax fell 3% to £187.2m in H1 2026, driven by higher impairment charges and increased administrative expenses (Investegate)
Loan loss ratio rose to 12bps from 2bps a year earlier, indicating mounting credit impairment in the loan book (LSE RNS)
OSB cut its 2026 net interest margin guidance to 215–220bps from c.225bps, signalling persistent margin pressure from elevated retail funding costs (Alliance News)
Data summarised monthly by Lightyear AI. Last updated on 6 Sept 2026.
OSB Group Financial Performance
Revenues and expenses
OSB Group Earnings Performance
Company profitability
Upcoming events
No upcoming events
Funds containing OSB Group
AllGBPEURUSD
Fund name | Fund size | £OSB weighting |
|---|---|---|
iShares UK Dividend£IUKD | £1.3B | 1.01% |
iShares FTSE 250£MIDD | £661M | 0.56% |
Vanguard FTSE 250£VMID | £1.6B | 0.55% |
Xtrackers MSCI Europe Small Cap€DX2J | €3.2B | 0.15% |
Xtrackers MSCI Europe Small Cap£XXSC | £2.8B | 0.15% |
Latest price is delayed by 15 minutes. 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 London Stock Exchange, through Infront.