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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
Finance
Primary listing
LSE
Employees
2,431
Headquarters
Chatham, United Kingdom
Website
www.osb.co.uk

OSB Group Metrics

BasicAdvanced
£1.7B
6.89
£0.74
1.05
£0.36
7.06%

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

New lending is still growing: originations rose 4% to £3.5bn in the first nine months of 2026 and the loan book expanded 1.9%, while retail deposits grew 3%. Buy-to-let and residential lending led the origination performance. (OSB Group)
Credit indicators and capital remain supportive: arrears of three months or more eased to 1.6%, and the CET1 ratio stood at 15.4% after OSB completed its £100m buyback. The group has also returned substantial capital through past share repurchases. (OSB Group)
Technology upgrades could improve service and efficiency: the new residential lending platform has launched, with 65% of cases reaching an offer in under five days, and £7.1bn of savings balances have moved onto the new platform. These changes give OSB scope to make its specialist lending and savings operations more effective. (OSB Group)
Higher deposit costs are squeezing profitability. First-half net interest margin fell to 223 basis points from 230 a year earlier, and OSB cut its 2026 margin outlook to 215–220 basis points and its return-on-equity outlook to about 12.5%; management also warned prolonged funding pressure could weigh on its 2027 ambition. (London Stock Exchange)
Credit costs have risen: the first-half impairment charge increased to £15.8m from £2.0m a year earlier, lifting the loan-loss ratio to 12 basis points. Fitch also highlighted an impaired-loan ratio of 4.1% at end-2025 and described OSB’s specialist lending as higher risk and not yet tested through a full credit cycle. (London Stock Exchange, MarketScreener)
Basel 3.1 is set to absorb some of OSB’s capital headroom: the group estimates the new rules would reduce its CET1 ratio by 1.2 percentage points from the June 2026 level, as risk-weighted assets rise. That may limit room for future distributions even though the current ratio remains robust. (OSB Group)
Data summarised monthly by Lightyear AI. Last updated on 5 Nov 2026.

OSB Group Financial Performance

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2023
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OSB Group Earnings Performance

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2020
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Funds containing OSB Group

AllGBPUSDEUR
Funds
Fund name
Fund size
£OSB weighting
L&G UK Quality Dividends Equal Weight£LDUK
£81M2.67%
iShares UK Dividend£IUKD
£1.2B0.99%
Vanguard FTSE 250£VMIG
£569M0.56%
Vanguard FTSE 250£VMID
£1.5B0.56%
iShares FTSE 250£MIDD
£652M0.55%
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.