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OSB Stock Chart & Stats
561.50 p
3.50 p(0.62%)
At close: 4:00 PM EDT
561.50 p
3.50 p(0.62%)
Day’s Range― - ―
52-Week Range479.00 p - 647.50 p
Previous CloseN/A
Volume84.77K
Average Volume (3M)674.18K
Market Cap
£1.90B
Enterprise Value3.23K
Total Cash (Recent Filing)£400.00K
Total Debt (Recent Filing)£4.00B
Price to Earnings (P/E)7.4
Beta1.30
Next Earnings
Mar 18, 2027EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield6.34%
Share Statistics
EPS (TTM)0.75
Shares Outstanding341,550,930
10 Day Avg. Volume537,749
30 Day Avg. Volume674,183
Financial Highlights & Ratios
PEG Ratio-3.27
Price to Book (P/B)1.09
Price to Sales (P/S)1.21
P/FCF Ratio14.40
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
£750.00Price Target Upside33.57% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)0.77
Revenue Forecast (FY)£689.88M
Bulls Say, Bears Say
Bulls Say
NII-driven Lending ModelOSB’s core business earns net interest income by lending via specialist mortgages funded primarily through retail savings. This spread-driven model creates recurring, structurally stable revenue generation aligned to lending volumes and deposit franchises, supporting predictable income over the medium term absent a structural funding shift.
Capital Base & ROEThe group reports meaningful equity relative to assets and historically healthy returns on equity. A solid capital buffer in a mortgage lender provides loss-absorbing capacity, supports continued origination, and underpins resilience through credit cycles, improving medium-term strategic optionality and regulatory headroom.
Resilient Net IncomeReported net income remained consistently positive and sizeable across years, demonstrating an underlying earnings base that persists despite top-line swings. This durability supports dividend capacity, reinvestment and operational continuity, making cash generation less binary across typical mortgage cycles.
Bears Say
Revenue & Margin VolatilityRevenue and margin inconsistency—including a 2023 dip, sharp 2025 rebound and anomalous margin readings (negative EBIT in 2024)—reduces confidence in sustainable core profitability. Persistent volatility complicates forecasting, pricing discipline and capital allocation over a 2–6 month horizon.
Choppy Cash GenerationOperating and free cash flows have swung materially year-to-year, with a negative operating cash flow in 2023 then strong conversion in 2024 and lower cash in 2025. Such variability raises execution and working-capital risks and can constrain liquidity planning and funding flexibility during stress or growth phases.
Elevated Historical LeverageLeverage was elevated through 2020–2024, increasing sensitivity to interest-rate and credit-cycle moves for a mortgage-focused lender. Although debt reportedly fell in 2025, the historical leverage profile signals constrained flexibility and greater downside risk to capital and earnings if asset quality weakens or funding costs rise.
OSB Group PLC News
OSB FAQ
What was OSB Group PLC’s price range in the past 12 months?
OSB Group PLC lowest share price was 479.00 p and its highest was 647.50 p in the past 12 months.
What is OSB Group PLC’s market cap?
OSB Group PLC’s market cap is £1.90B.
When is OSB Group PLC’s upcoming earnings report date?
OSB Group PLC’s upcoming earnings report date is Mar 18, 2027 which is in 221 days.
How were OSB Group PLC’s earnings last quarter?
OSB Group PLC released its earnings results on Aug 06, 2026. The company reported 0.375 p earnings per share for the quarter, beating the consensus estimate of 0.286 p by 0.089 p.
Is OSB Group PLC overvalued?
According to Wall Street analysts OSB Group PLC’s price is currently Undervalued.
Does OSB Group PLC pay dividends?
OSB Group PLC pays a Semiannually dividend of 24.1 p which represents an annual dividend yield of 6.34%. See more information on OSB Group PLC dividends here
What is OSB Group PLC’s EPS estimate?
OSB Group PLC’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does OSB Group PLC have?
OSB Group PLC has 341,550,930 shares outstanding.
What happened to OSB Group PLC’s price movement after its last earnings report?
OSB Group PLC reported an EPS of 0.375 p in its last earnings report, beating expectations of 0.286 p. Following the earnings report the stock price went down -10.896%.
Which hedge fund is a major shareholder of OSB Group PLC?
Currently, no hedge funds are holding shares in GB:OSB
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
OSB Group PLC Stock Smart Score
Neutral
1
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10
Analyst Consensus
Moderate Buy
Average Price Target:
£750.00 (33.57% Upside)
£750.00 (33.57% Upside)
Insider Transactions
Sold Shares
Worth £26.9K over
the Last 3 Months
the Last 3 Months
News Sentiment
Bullish
Bullish news 75%
Bearish news 25%
Bearish news 25%
Technicals
SMA
Positive
20 days / 200 days
Momentum
47.70%
12-Months-Change
Fundamentals
Return on Equity
6.34%
Trailing 12-Months
Asset Growth
0.20%
Trailing 12-Months
Company Description
OSB Group PLC
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.
OSB Stock 12 Month Forecast
Average Price Target
750.00 p
▲(33.57% Upside)







