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OSB Group PLC ( (GB:OSB) ) has provided an update.
OSB Group reported a resilient 2025 performance, with net loans rising 3.2% to £25.9bn and originations up 19% to £4.7bn as it continued to diversify away from buy-to-let, which now accounts for 68% of its loan book. Net interest income was £679.4m and NIM 228bps, broadly in line with guidance, though profit before tax fell 9% to £382.5m due to higher impairments, fair value losses and increased administrative expenses from its ongoing transformation programme.
The lender advanced its strategic transition by launching a new lending platform, unveiling its Rely brand for buy-to-let borrowers and migrating savers to a new savings platform, while maintaining strong capital with a CET1 ratio of 15.8%. The board lifted the total dividend 5% to 35.3p per share and announced a £100m share buyback, underscoring confidence in its capital position as it targets improved returns on tangible equity and refines guidance for steady loan growth, a circa 225bps NIM and disciplined cost growth in 2026.
The most recent analyst rating on (GB:OSB) stock is a Buy with a £7.30 price target. To see the full list of analyst forecasts on OSB Group PLC stock, see the GB:OSB Stock Forecast page.
Spark’s Take on GB:OSB Stock
According to Spark, TipRanks’ AI Analyst, GB:OSB is a Neutral.
The score is driven primarily by moderately strong but volatile financial performance (revenue and cash flow rebounded, but margins and cash flows have been inconsistent and leverage remains meaningful). Valuation is a key positive (low P/E and high dividend yield), while technicals show a strong uptrend but stretched momentum that increases near-term risk. Corporate actions are supportive due to ongoing buybacks and capital structure strengthening.
To see Spark’s full report on GB:OSB stock, click here.
More about OSB Group PLC
OSB Group PLC is a UK-based specialist lending and retail savings group, focused on buy-to-let mortgages and diversified, higher-yielding lending sub-segments. The group funds its activities primarily through retail deposits and maintains a high-quality secured loan book, positioning itself as a niche player in the UK mortgage and savings market.
Average Trading Volume: 959,355
Technical Sentiment Signal: Buy
Current Market Cap: £2B
Learn more about OSB stock on TipRanks’ Stock Analysis page.