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

OSB Group Metrics

BasicAdvanced
£1.9B
7.68
£0.69
1.29
£0.34
6.38%

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
QuarterlyAnnual
Q3 24
QoQ growth
Revenue
$37B
-39.75%
Net income
$45B
107.52%
Profit margin
37.65%
6.78%

OSB Group Earnings Performance

Company profitability
QuarterlyAnnual
Q4 23
Q1 24
Q2 24
Q3 24
Q4 24
Actual
$3.69
$2.85
$2.45
$2.42
-
Expected
$3.55
$2.61
$2.05
$2.31
$3.94
Surprise
3.94%
9.20%
19.51%
4.63%
-
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.

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OSB Group
Dividend·Payment
£0.112Per share
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