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OSB Group Plc (OSB.L)
GBp546.00
+0.50 (+0.09%)
GB LSE Financial Services Banks
Address
OSB House ME4 4QZ
Chatham, GB
Chatham, GB
CEO
Andrew John Golding
Website
osb.co.uk
IPO
2014-06-10
ISIN GB00BLDRH360
Description
OSB Group Plc, through its subsidiaries, operates as a specialist mortgage lending company in the United Kingdom and India. The company operates in two segments, OneSavings Bank (OSB) and Charter Court Financial Services (CCFS). It offers buy-to-let, residential, bridging, and commercial and semi-commercial mortgages; and residential development and asset finance services. The company also provides mortgage servicing, lending, deposit taking, originating, and administration and analytical services; land lease investment; and back-office processing services. It sells its products and services under the Precise, Kent Reliance for Intermediaries, InterBay, InterBay Asset Finance, Heritable Development Finance, Charter Savings Bank, Kent Reliance, and osbIndia brands. The company was founded in 1840 and is headquartered in Chatham, the United Kingdom.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
GBp546.00
+0.50 (+0.09%)
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Volume Profile
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Liquidity & share structure
Average Volume
1M
Beta
1.05
Float Shares
351.21M
Free Float %
102.0%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.78% | +2.28% | -2.18% | -15.40% | -9.78% | -18.98% | +4.43% | +4.55% | +8.42% | +55.76% | +198.55% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From
To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
546.00
DCF (Unlevered)
764.63
+40.0%
DCF (Levered)
1,912.45
+250.3%
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
Ratings Trend (MoM)
75% Bullish
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 3 | 0 |
| Buy | 6 | +1 |
| Hold | 3 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
Quality scores
Altman Z-Score
0.34
Distress
Piotroski F-Score
6 / 9
Average
MOAT Score
6 / 10
Developing
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
4 / 5
High
ROE Score
4 / 5
High
ROA Score
3 / 5
Medium
D/E Score
1 / 5
Low
P/E Score
3 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
✗ Below peers
-
Revenue growth Banks: +13.8%-8.1% Q4'25: -10.7% (vs Q4'23)
-
EPS growth Banks: +25.1%-2.6% Q4'25: -28.8% (vs Q4'23)
-
FCF margin FCF growth · Banks: +75.8%-57.7% Q4'25: -19.2% (vs Q4'23)
-
EBIT margin Banks: +27.6%+19.9% Q4'25: +19.9% (vs Q4'23)
-
ROIC Banks: +1.1%+4.7% ★ Q4'25: +9.4% (vs Q4'23)
-
Share dilution Banks: +0.1%-5.3% ★ Q4'25: -11.1% (vs Q4'23)
-
Debt / EBITDA Net debt/EBITDA · Banks: 1.37×10.47× Q4'25: 5.26× (vs Q4'23)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Consensus Estimates
| Metric |
Dec 2014 actual |
Dec 2015 actual |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 7 Rev. Ana. 11 EPS Ana. |
Dec 2027 7 Rev. Ana. 11 EPS Ana. |
Dec 2028 7 Rev. Ana. 7 EPS Ana. |
Dec 2029 3 Rev. Ana. 2 EPS Ana. |
Dec 2030 6 Rev. Ana. 5 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
107.23M
est: 113.69M (-5.7%)
|
151.90M
est: 164.39M (-7.6%)
|
227.10M
est: 199.23M (+14.0%)
|
233.70M
est: 234.33M (-0.3%)
|
273.00M
est: 276.69M (-1.3%)
|
543.20M
est: 526.05M (+3.3%)
|
740.90M
est: 559.98M (+32.3%)
|
758.70M
est: 636.92M (+19.1%)
|
1.08B
est: 796.30M (+35.1%)
|
609.60M
est: 789.80M (-22.8%)
|
2.09B
est: 698.68M (+199.8%)
|
1.93B
est: 671.87M (+186.6%)
|
692.94M
674.24M – 709.19M
+3.1% YoY
|
732.84M
703.60M – 752.88M
+5.8% YoY
|
781.68M
780.51M – 782.85M
+6.7% YoY
|
835.36M
807.26M – 856.62M
+6.9% YoY
|
846.00M
817.55M – 867.53M
+1.3% YoY
|
| EBITDA |
—
est: 49.31M (-100.0%)
|
—
est: 71.30M (-100.0%)
|
—
est: 86.41M (-100.0%)
|
—
est: 101.64M (-100.0%)
|
380.90M
est: 120.01M (+217.4%)
|
—
est: 449.21M (-100.0%)
|
294.30M
est: 242.88M (+21.2%)
|
479.10M
est: 573.92M (-16.5%)
|
544.90M
est: 628.31M (-13.3%)
|
386.20M
est: 311.20M (+24.1%)
|
—
est: 275.30M (-100.0%)
|
382.50M
est: 264.73M (+44.5%)
|
273.04M
265.66M – 279.44M
+3.1% YoY
|
288.76M
277.23M – 296.65M
+5.8% YoY
|
308.00M
307.54M – 308.46M
+6.7% YoY
|
329.15M
318.08M – 337.53M
+6.9% YoY
|
333.34M
322.13M – 341.83M
+1.3% YoY
|
| EBIT |
-896.0K
est: 47.60M (-101.9%)
|
-1.70M
est: 93.75M (-101.8%)
|
-2.60M
est: 127.11M (-102.0%)
|
-3.50M
est: 193.37M (-101.8%)
|
376.20M
est: 197.55M (+90.4%)
|
-8.20M
est: 267.37M (-103.1%)
|
280.50M
est: 285.60M (-1.8%)
|
464.60M
est: 288.41M (+61.1%)
|
531.50M
est: 315.74M (+68.3%)
|
374.30M
est: 302.28M (+23.8%)
|
-11.30M
est: 270.18M (-104.2%)
|
382.50M
est: 257.14M (+48.7%)
|
265.21M
258.05M – 271.43M
+3.1% YoY
|
280.48M
269.28M – 288.15M
+5.8% YoY
|
299.17M
298.72M – 299.62M
+6.7% YoY
|
319.71M
308.96M – 327.85M
+6.9% YoY
|
323.79M
312.90M – 332.03M
+1.3% YoY
|
| Net Income |
51.54M
est: 88.11M (-41.5%)
|
84.06M
est: 75.80M (+10.9%)
|
120.90M
est: 101.47M (+19.2%)
|
126.90M
est: 143.34M (-11.5%)
|
140.30M
est: 149.49M (-6.1%)
|
158.80M
est: 204.09M (-22.2%)
|
196.30M
est: 216.90M (-9.5%)
|
345.30M
est: 219.03M (+57.6%)
|
410.00M
est: 251.40M (+63.1%)
|
282.60M
est: 369.20M (-23.5%)
|
308.10M
est: 277.45M (+11.0%)
|
285.70M
est: 275.60M (+3.7%)
|
275.96M
271.67M – 325.68M
+0.1% YoY
|
339.80M
304.14M – 375.46M
+23.1% YoY
|
383.55M
358.97M – 408.13M
+12.9% YoY
|
420.04M
401.68M – 433.94M
+9.5% YoY
|
458.89M
438.83M – 474.07M
+9.2% YoY
|
| SGA |
14.40M
est: 10.48M (+37.4%)
|
18.50M
est: 84.91M (-78.2%)
|
19.00M
est: 79.16M (-76.0%)
|
20.00M
est: 54.54M (-63.3%)
|
31.90M
est: 93.30M (-65.8%)
|
48.60M
est: 153.47M (-68.3%)
|
60.50M
est: 189.85M (-68.1%)
|
61.90M
est: 191.72M (-67.7%)
|
90.00M
est: 209.89M (-57.1%)
|
100.50M
est: 59.90M (+67.8%)
|
102.90M
est: 53.54M (+92.2%)
|
—
est: 50.96M (-100.0%)
|
52.56M
51.14M – 53.79M
+3.1% YoY
|
55.58M
53.36M – 57.10M
+5.8% YoY
|
59.29M
59.20M – 59.38M
+6.7% YoY
|
63.36M
61.23M – 64.97M
+6.9% YoY
|
64.17M
62.01M – 65.80M
+1.3% YoY
|
| EPS |
0.22
est: 0.22 (-1.3%)
|
0.34
est: 0.34 (+0.5%)
|
0.49
est: 0.42 (+16.7%)
|
0.51
est: 0.48 (+5.7%)
|
0.57
est: 0.54 (+5.4%)
|
0.53
est: 0.59 (-9.9%)
|
0.43
est: 0.53 (-18.9%)
|
0.76
est: 0.77 (-1.6%)
|
0.91
est: 0.97 (-6.0%)
|
0.66
est: 0.99 (-33.4%)
|
0.78
est: 0.82 (-4.4%)
|
0.76
est: 0.75 (+0.8%)
|
0.78
0.73 – 0.87
+2.8% YoY
|
0.88
0.81 – 1.00
+13.9% YoY
|
1.02
0.96 – 1.09
+15.0% YoY
|
1.12
1.07 – 1.16
+10.5% YoY
|
1.23
1.17 – 1.27
+9.2% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | B+ | 3/5 | 4/5 | 4/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-28 | B+ | 3/5 | 4/5 | 4/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-27 | B+ | 3/5 | 4/5 | 4/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-26 | B+ | 3/5 | 4/5 | 4/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-22 | B+ | 3/5 | 4/5 | 4/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-21 | B+ | 3/5 | 4/5 | 4/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-20 | B+ | 3/5 | 4/5 | 4/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-19 | B+ | 3/5 | 4/5 | 4/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-18 | B+ | 3/5 | 4/5 | 4/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-15 | B+ | 3/5 | 4/5 | 4/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-14 | B+ | 3/5 | 4/5 | 4/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-13 | B+ | 3/5 | 4/5 | 4/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-12 | B+ | 3/5 | 4/5 | 4/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-11 | B+ | 3/5 | 4/5 | 4/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-08 | B+ | 3/5 | 4/5 | 4/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-07 | B+ | 3/5 | 4/5 | 4/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-06 | B+ | 3/5 | 4/5 | 4/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-05 | B+ | 3/5 | 4/5 | 4/5 | 3/5 | 1/5 | 4/5 | 3/5 |
| 2026-05-01 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-30 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-29 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-28 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-27 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-24 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-23 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-22 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-21 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-20 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-17 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-16 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-15 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 1/5 | 4/5 | 3/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
-3.32M
OE per share TTM
-0.06
Owner's Yield
-0.18%
Maintenance CapEx ratio
14.89%
Maint CapEx / Avg PPE
3.9%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
153.7K
Shares Outstanding
344.41M
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Andrew John Golding | Group Chief Executive Officer & Director | 2M | male |
| Victoria Hyde | Chief Financial Officer & Executive Director | 1M | female |
| Hasan Kazmi | Group Chief Risk Officer | — | male |
| Jason Elphick | Group General Counsel & Company Secretary | — | male |
| Alastair Pate | Group Head of Investor Relations | — | male |
| Matthew Baillie | Group Chief Operating Officer | — | male |
| Nicholas Hurst | Head of Portfolio Credit Risk | — | male |
| Orlagh Hunt FCIPD | Chief People Officer | — | female |
| Richard Wilson | Group Chief Credit Officer | — | male |
| Lisa Odendaal | Group Chief Internal Auditor | — | female |
| Debra Bailey | Group Chief Information Officer | — | female |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for OSB.L
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
