OSB Group /£OSB
1D1W1M3M6MYTD1Y5YMAX
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
£1.6B
6.60
£0.74
1.05
£0.36
7.37%
Price and volume
Market cap
£1.6B
Beta
1.05
52-week high
£6.48
52-week low
£4.71
Average daily volume
828K
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)
6.602
Price to revenue (TTM)
2.583
Price to book
0.83
Price to tangible book (TTM)
0.86
Price to free cash flow (TTM)
-2.252
Free cash flow yield (TTM)
-44.40%
Free cash flow per share (TTM)
-2.162
Dividend yield (TTM)
7.37%
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)
4.27%
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
Lending momentum remains positive: first-half originations rose 10% to £2.3bn, including 10% growth in buy-to-let, where OSB says it was the UK’s largest independent lender by 2025 gross lending. (London Stock Exchange)
Credit and capital metrics offer some resilience: arrears of three months or more eased to 1.6% from 1.7% at year-end, while the CET1 ratio was 15.2% after the full impact of the £100m buyback. (London Stock Exchange)
Shareholder returns are tangible: OSB raised its interim dividend by 5% to 11.8p and completed its £100m buyback in October, cancelling 19.4m shares. (London Stock Exchange, GlobeNewswire)
Higher deposit costs are squeezing returns: OSB cut 2026 net interest margin guidance to 215–220 basis points from about 225, and now expects RoTE of around 12.5%; continued pressure could also weigh on its 2027 ambition. (London Stock Exchange)
Credit and operating costs are rising: first-half impairment charges increased to £15.8m from £2.0m and administrative expenses rose 4%, contributing to a 3% fall in pre-tax profit to £187.2m. (London Stock Exchange)
Platform change brings execution risk: savings migration and the residential lending rollout were still progressing at the half-year, and OSB’s results-call transcript flags possible temporary disruption from platform migrations. (London Stock Exchange, Investing.com)
Data summarised monthly by Lightyear AI. Last updated on 30 Oct 2026.
OSB Group Financial Performance
Revenues and expenses
OSB Group Earnings Performance
Company profitability
Upcoming events
No upcoming events
Funds containing OSB Group
AllGBPUSDEUR
Fund name | Fund size | £OSB weighting |
|---|---|---|
L&G UK Quality Dividends Equal Weight£LDUK | £81M | 2.57% |
iShares UK Dividend£IUKD | £1.3B | 0.95% |
Vanguard FTSE 250£VMIG | £569M | 0.56% |
Vanguard FTSE 250£VMID | £1.5B | 0.56% |
iShares FTSE 250£MIDD | £672M | 0.52% |
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.