Board Change • May 20
High number of new directors There are 5 new directors who have joined the board in the last 3 years. Independent Non-Executive Director Robin Bulloch was the last director to join the board, commencing their role in 2026. The company’s lack of board continuity is considered a risk according to the Simply Wall St Risk Model. Annuncio • Apr 25
Osb Group Plc, Onesavings Bank Plc, Charter Court Financial Services Limited Announce Board Changes Further to the announcement made on 20 February 2026 on the appointment of Enrique Alvarez Labiano as Chief Executive Officer (CEO), OSB GROUP PLC announced that, subject to regulatory approval, Enrique will take up the role on 1 September 2026. Enrique will also be appointed as an executive director of the Company, OneSavings Bank plc and Charter Court Financial Services Limited, each with effect from 1 September 2026. Enrique will succeed Andy Golding, whose intention to retire was announced on 13 November 2025 and who will retire on 31 August 2026. Annuncio • Mar 06
OSB Group Plc Recommends Final Dividend for the Year Ended December 31, 2025, Payable on 13 May 2026 and Provides Dividend Guidance for 2026 OSB Group Plc announced that the Board has recommended a final dividend of 24.1 pence per share (2024: 22.9 pence per share), which together with the interim dividend of 11.2 pence per share (2024: 10.7 pence per share), represents a total ordinary dividend per share of 35.3 pence per share for the year ended December 31, 2025, an increase of 5% from the prior year as guided. The recommended final 2025 dividend of 24.1 pence per share, subject to approval at the AGM on 7 May 2026, will be paid on 13 May 2026. The ordinary shares will be quoted ex-dividend on the London Stock Exchange on 2 April 2026 with the record date of eligibility for dividend payment of 7 April 2026.
The company anticipate a dividend per share increasing by 5% in 2026. Annuncio • Feb 20
OSB Group Plc Announces the Appointment of Enrique Alvarez Labiano as Chief Executive Officer OSB Group PLC announced the appointment of Enrique Alvarez Labiano as Chief Executive Officer, subject to regulatory approval, with effect from a date to be agreed. Enrique is CEO of Retail and Business Banking and an Executive Director of Santander UK plc and Santander UK Group Holdings plc. He joined Santander Group in 2015, progressing through senior strategy roles, including Group Head of Strategy and Chief of Staff to the Executive Chair, during which he also led the Group’s Insurance Business and Responsible Banking. Moving to the UK in 2019, he became Head of Strategy and Corporate Development before serving as Chief People Officer in 2020 and Head of Everyday Banking in 2021. He has been CEO of Retail and Business Banking since 2023 and joined the Santander UK Board in February 2025. Earlier in his career, he worked as Partner at McKinsey & Company from 2007 to 2015. He holds an MEng from ICAI, Pontificia Comillas University, and an MBA from INSEAD. Enrique will succeed Andy Golding, whose intention to retire was announced on November 13, 2025. Andy will continue as a Board director and Group CEO until Enrique joins OSBG and, alongside the Board and the experienced executive team, will continue to focus on delivering the Group’s strategy, including the 2026 financial guidance and medium-term aspirations, set out at the Investor Update in March 2025. Board Change • Dec 30
High number of new directors There are 5 new directors who have joined the board in the last 3 years. Senior Independent Director Gareth Hoskin was the last director to join the board, commencing their role in 2025. The company’s lack of board continuity is considered a risk according to the Simply Wall St Risk Model. Annuncio • Sep 12
OSB Group Plc Announces Board Changes, Effective October 1, 2025 OSB Group Plc announced that, further to the announcement made on 13 March 2025, Gareth Hoskin (Non-Executive Director since 1 April 2025) has been appointed as the Senior Independent Director (SID) with effect from 1 October 2025. Gareth Hoskin succeeds Noel Harwerth, as SID. Noel will remain on the Board as a Non-Executive Director and will not seek re-election at the next Annual General Meeting. Annuncio • Aug 21
OSB Group Plc Declares an Interim Dividend for the First Half Ended 30 June 2025, Payable on 19 September 2025 OSB Group Plc’s dividend policy is to declared interim dividends equal to one-third of the prior year’s total dividend. The Board has therefore declared an interim dividend of 11.2 pence per share for the first half ended 30 June 2025, based on the full year 2024 dividend of 33.6 pence per share. The declared dividend will be paid on 19 September 2025, with an ex-dividend date of 28 August 2025 and a record date of 29 August 2025. Annuncio • Mar 14
OSB Group Plc (LSE:OSB) announces an Equity Buyback for 26,271,178 shares, for £100 million. OSB Group Plc (LSE:OSB) announces a share repurchase program. Under the program, the company will repurchase up to 26,271,178 shares, for £100 million worth of its shares, pursuant to non-discretionary agreement with Citigroup Global Markets Ltd. The purpose of the program is to return excess capital to its shareholders. The repurchased shares will be cancelled. The program is valid until March 10, 2026. Annuncio • Mar 13
OSB Group Plc Announces Board Changes OSB GROUP PLC announced the appointment of Gareth Hoskin as a Non-Executive Director, with effect from 1 April 2025 and Senior Independent Non-Executive Director, subject to regulatory approval. Gareth will join the Group Audit Committee, the Group Risk Committee, the Group Remuneration and People Committee and the Group Nomination and Governance Committee. Gareth is a board member of Leeds Building Society where he has served for nine years and is due to step down on 31 March 2025, including six years as vice Chair and Senior Independent Director and chair of the Audit Committee. He is also an independent non-executive director and Chair of the Audit Committee of Saga plc. Gareth has accumulated extensive experience over his 30 years working in financial services, both in the UK and internationally. This includes nearly 20 years at Legal & General plc, where he served as a director and CEO of the international division. Prior to that, he was a chartered accountant at PricewaterhouseCoopers. The Group further announced that Rajan Kapoor will be stepping down from the Board at the Annual General Meeting, which is scheduled to be held on 8 May 2025, having reached the end of his nine-year tenure. Henry Daubeney, who was appointed to the Group’s board in July 2024, will become Chair of the Audit Committee, subject to regulatory approval. New Risk • Sep 05
New major risk - Revenue and earnings growth Earnings are forecast to decline by an average of 3.3% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 3.3% per year for the foreseeable future. Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Significant insider selling over the past 3 months (€259k sold). Declared Dividend • Aug 18
First half dividend of UK£0.11 announced Shareholders will receive a dividend of UK£0.11. Ex-date: 22nd August 2024 Payment date: 20th September 2024 Dividend yield will be 7.9%, which is higher than the industry average of 6.4%. Sustainability & Growth Dividend is well covered by earnings (33% payout ratio) and is expected to be well covered in 3 years' time (34% forecast payout ratio). The dividend has increased by an average of 26% per year over the past 9 years. However, payments have been volatile during that time. EPS is expected to grow by 33% over the next 3 years, which should provide support to the dividend and adequate earnings cover. Reported Earnings • Aug 16
First half 2024 earnings released: EPS: UK£0.44 (vs UK£0.13 in 1H 2023) First half 2024 results: EPS: UK£0.44 (up from UK£0.13 in 1H 2023). Revenue: UK£367.8m (up 96% from 1H 2023). Net income: UK£173.8m (up 217% from 1H 2023). Profit margin: 47% (up from 29% in 1H 2023). The increase in margin was driven by higher revenue. Revenue is forecast to stay flat during the next 3 years compared to a 13% growth forecast for the Diversified Financial industry in Germany. Over the last 3 years on average, earnings per share has increased by 4% per year but the company’s share price has fallen by 7% per year, which means it is significantly lagging earnings. Valuation Update With 7 Day Price Move • Aug 16
Investor sentiment deteriorates as stock falls 18% After last week's 18% share price decline to €4.66, the stock trades at a forward P/E ratio of 5x. Average forward P/E is 11x in the Diversified Financial industry in Germany. Total returns to shareholders of 3.0% over the past three years. Annuncio • Aug 15
Osb Group plc Declares Interim Dividend for 2024, Payable on 20 September 2024 OSB Group Plc announced that the Board has declared an interim dividend for 2024 of c. £41.4 million, 10.7 pence per share (30 June 2023: £43.1 million, 10.2 pence per share), based on the 2023 total dividend. The interim dividend is payable on 20 September 2024 with an ex-dividend date of 22 August 2024 and a record date of 23 August 2024. This dividend is not reflected in these financial statements as it was not declared at the reporting date. Annuncio • Apr 19
OSB GROUP PLC Appoints Henry Daubeney as Non-Executive Director and Join the Group Audit Committee and the Group Risk Committee, Effect from 1 July 2024 OSB GROUP PLC announced the appointment of Henry Daubeney as a Non-Executive Director, with effect from 1 July 2024. Henry Daubeney will join the Group Audit Committee and the Group Risk Committee. Henry Daubeney has extensive experience in the financial services sector following a 38-year career with PwC where he was most recently the Global Head of Corporate Reporting Services – IFRS and Sustainability Reporting. He is also a member of the IFRS Advisory Council and member of the Corporate Reporting Group of the Global Public Policy Committee (‘GPPC’) and Co-Chair of the GPPC Bank Working Group. Annuncio • Apr 05
OSB Group Plc Announces Directors Changes OSB GROUP PLC announced the appointment of Victoria Hyde to the board of OSBG as Executive Director, subject to regulatory approval, with effect from 10 May 2024. Victoria joined OSBG as Deputy Chief Financial Officer in September 2022, specifically as part of the board’s executive succession planning. Prior to joining OSBG, during a 21-year career at Barclays, Victoria undertook several complex roles across Product Control, Treasury Finance and Financial Planning and Analysis. Most recently, she served as Finance Director of the Barclays Consumer, Cards and Payments businesses. Victoria is a qualified Chartered Management Accountant and brings extensive experience in financial services. Victoria will succeed April Talintyre, whose intention to retire was announced on 2 November 2023. April will step down from the board at the Group’s Annual General Meeting on 9 May 2024. Upcoming Dividend • Mar 31
Upcoming dividend of UK£0.22 per share Eligible shareholders must have bought the stock before 04 April 2024. Payment date: 14 May 2024. Payout ratio is a comfortable 48% but the company is not cash flow positive. Trailing yield: 8.5%. Within top quartile of German dividend payers (4.9%). Higher than average of industry peers (2.7%). Declared Dividend • Mar 17
Final dividend of UK£0.22 announced Shareholders will receive a dividend of UK£0.22. Ex-date: 4th April 2024 Payment date: 14th May 2024 Dividend yield will be 7.5%, which is higher than the industry average of 6.4%. Sustainability & Growth Dividend is well covered by earnings (48% payout ratio) and is expected to be well covered in 3 years' time (35% forecast payout ratio). The dividend has increased by an average of 26% per year over the past 9 years. However, payments have been volatile during that time. EPS is expected to grow by 62% over the next 3 years, which should provide support to the dividend and adequate earnings cover. Valuation Update With 7 Day Price Move • Nov 04
Investor sentiment improves as stock rises 26% After last week's 26% share price gain to €4.08, the stock trades at a forward P/E ratio of 4x. Average forward P/E is 11x in the Diversified Financial industry in Germany. Total returns to shareholders of 39% over the past three years. Annuncio • Nov 02
OSB Group Plc Announces Retirement of April Talintyre as Executive Director OSB GROUP PLC announces that, after more than 11 years with the business, April Talintyre has advised the Board of her intention to retire and as a Director. The process to appoint her successor, considering both internal and external candidates, will now commence and April will remain in her role until a date to be confirmed to support the transition. April joined OSB in May 2012 and was appointed to the OSB Board in June 2012. April was previously an Executive Director in the Rothesay Life pensions insurance business of Goldman Sachs and worked for Goldman Sachs International for over 16 years, including as an Executive Director in the Controllers Division in London and New York. April began her career at KPMG LLP in the general audit department. April is a member of the Institute of Chartered Accountants in England and Wales. Upcoming Dividend • Aug 17
Upcoming dividend of UK£0.10 per share at 8.1% yield Eligible shareholders must have bought the stock before 24 August 2023. Payment date: 20 September 2023. Payout ratio is a comfortable 55% but the company is not cash flow positive. Trailing yield: 8.1%. Within top quartile of German dividend payers (4.8%). Higher than average of industry peers (6.0%). New Risk • Aug 13
New major risk - Share price stability The company's share price has been highly volatile over the past 3 months. It is more volatile than 90% of German stocks, typically moving 9.5% a week. This is considered a major risk. Share price volatility increases the risk of potential losses in the short-term as the stock tends to have larger drops in price more frequently than other stocks. It may also indicate the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. Currently, the following risks have been identified for the company: Major Risk Share price has been highly volatile over the past 3 months (9.5% average weekly change). Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Significant insider selling over the past 3 months (€431k sold). Annuncio • Aug 11
OSB Group Plc Declares an Interim Dividend for 2023, Payable on 20 September 2023 OSB Group Plc announced the group’s dividend policy is to declare interim dividends equal to one-third of the prior year’s total dividend. The board has therefore declared an interim dividend for 2023 of c. £43.1 million, 10.2 pence per share (2022: £38.5 million, 8.7 pence per share), based on the 2022 total dividend, excluding the special dividend, of £132.1 million, 30.5 pence per share. The interim dividend is payable on 20 September 2023 with an ex-dividend date of 24 August 2023 and a record date of 25 August 2023. This dividend is not reflected in these financial statements as it was not declared at the reporting date. Reported Earnings • Aug 11
First half 2023 earnings released: EPS: UK£0.13 (vs UK£0.46 in 1H 2022) First half 2023 results: EPS: UK£0.13 (down from UK£0.46 in 1H 2022). Revenue: UK£187.6m (down 48% from 1H 2022). Net income: UK£54.8m (down 73% from 1H 2022). Profit margin: 29% (down from 56% in 1H 2022). The decrease in margin was driven by lower revenue. Revenue is forecast to grow 14% p.a. on average during the next 3 years, compared to a 8.1% growth forecast for the Diversified Financial industry in Germany. Over the last 3 years on average, earnings per share has increased by 21% per year but the company’s share price has only increased by 13% per year, which means it is significantly lagging earnings growth. New Risk • Jul 07
New minor risk - Share price stability The company's share price has been volatile over the past 3 months. It is more volatile than 75% of German stocks, typically moving 8.5% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risk High level of non-cash earnings (53% accrual ratio). Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Share price has been volatile over the past 3 months (8.5% average weekly change). Significant insider selling over the past 3 months (€431k sold). Valuation Update With 7 Day Price Move • Jul 07
Investor sentiment deteriorates as stock falls 25% After last week's 25% share price decline to €4.10, the stock trades at a forward P/E ratio of 4x. Average forward P/E is 11x in the Diversified Financial industry in Germany. Total returns to shareholders of 69% over the past three years. Recent Insider Transactions • Jun 17
Insider recently sold €337k worth of stock On the 8th of June, Jens Bech sold around 55k shares on-market at roughly €6.13 per share. This transaction amounted to 26% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of €731k more than they bought in the last 12 months. Recent Insider Transactions • Apr 09
Insider recently sold €55k worth of stock On the 6th of April, Jason Elphick sold around 10k shares on-market at roughly €5.33 per share. This transaction amounted to 60% of their direct individual holding at the time of the trade. In the last 3 months, there was an even bigger sale from another insider worth €310k. Insiders have been net sellers, collectively disposing of €1.4m more than they bought in the last 12 months. Reported Earnings • Mar 17
Full year 2022 earnings released: EPS: UK£0.91 (vs UK£0.76 in FY 2021) Full year 2022 results: EPS: UK£0.91 (up from UK£0.76 in FY 2021). Revenue: UK£744.7m (up 18% from FY 2021). Net income: UK£401.0m (up 18% from FY 2021). Profit margin: 54% (in line with FY 2021). Net interest margin (NIM): 2.78% (up from 2.53% in FY 2021). Cost-to-income ratio: 25.0% (up from 24.0% in FY 2021). Non-performing loans: 2.48% (down from 2.65% in FY 2021). Revenue is forecast to grow 4.9% p.a. on average during the next 3 years, compared to a 3.8% growth forecast for the Mortgage industry in Europe. Over the last 3 years on average, earnings per share has increased by 28% per year but the company’s share price has increased by 35% per year, which means it is tracking significantly ahead of earnings growth. Annuncio • Feb 08
OSB Group plc Appoints Kal Atwal as Non-Executive Director OSB Group Plc announced the appointment of Kal Atwal as Non-Executive Director, with effect from 7 February 2023. Kal will become a member of the Group Remuneration and People Committee. Kal Atwal has significant experience as a Non-Executive Director across FTSE 100, FTSE 250 and Mutual businesses. She is a Non-Executive Director at Admiral Financial Services Limited, Whitbread plc and WH Smith plc. Her committee experience includes being a member of Audit, Nomination, Remuneration, Risk and Capital Committees. Kal is an experienced strategy leader with international experience in start-up, scale-up, fintech and digital businesses. She began her career at EY on placement in Madrid, after which she held a number of operational and strategic roles with Southern Derbyshire Chamber and Northcliffe Media Ltd. She joined BGL Group when the company took over Bennetts, the motorcycle insurance business, where she held the position of Managing Director. She then became the founding Managing Director of comparethemarket.com, a division of BGL. Following her promotion to Group Director of BGL Limited, she was responsible for brand-led businesses, group strategy and corporate communications. Board Change • Nov 16
Insufficient new directors There is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 4 experienced directors. 4 highly experienced directors. Independent Non-Executive Director Simon Walker was the last director to join the board, commencing their role in 2022. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model. Board Change • Nov 02
Insufficient new directors There is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 4 experienced directors. 4 highly experienced directors. Independent Non-Executive Director Simon Walker was the last director to join the board, commencing their role in 2022. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model. Valuation Update With 7 Day Price Move • Sep 30
Investor sentiment deteriorated over the past week After last week's 17% share price decline to €4.82, the stock trades at a forward P/E ratio of 5x. Average forward P/E is 11x in the Mortgage industry in Europe. Total returns to shareholders of 37% over the past three years. Upcoming Dividend • Aug 18
Upcoming dividend of UK£0.087 per share Eligible shareholders must have bought the stock before 25 August 2022. Payment date: 21 September 2022. Payout ratio is a comfortable 35% but the company is not cash flow positive. Trailing yield: 5.2%. Within top quartile of German dividend payers (4.5%). In line with average of industry peers (5.4%). Reported Earnings • Aug 12
First half 2022 earnings released: EPS: UK£0.46 (vs UK£0.35 in 1H 2021) First half 2022 results: EPS: UK£0.46 (up from UK£0.35 in 1H 2021). Revenue: UK£361.5m (up 19% from 1H 2021). Net income: UK£204.4m (up 29% from 1H 2021). Profit margin: 56% (up from 52% in 1H 2021). The increase in margin was driven by higher revenue. Over the next year, revenue is forecast to grow 12%, compared to a 12% growth forecast for the industry in Germany. Over the last 3 years on average, earnings per share has increased by 21% per year and the company’s share price has also increased by 21% per year. Annuncio • Aug 11
Osb Group plc Declare Interim Dividends, Payable on 21 September 2022 OSB Group Plc announced that the Group’s dividend policy is to declare interim dividends equal to one-third of the prior year’s total dividend. The Board has therefore declared an interim dividend of 8.7 pence per share for the first half of 2022, based on the 2021 total dividend of 26.0 pence per share. The declared dividend will be paid on 21 September 2022, with an ex-dividend date of 25 August 2022 and a record date of 26 August 2022. Recent Insider Transactions • Apr 27
CFO & Director recently sold €1.1m worth of stock On the 21st of April, April Talintyre sold around 150k shares on-market at roughly €7.27 per share. This was the largest sale by an insider in the last 3 months. This was April's only on-market trade for the last 12 months. Annuncio • Apr 01
OSB Group Plc, Annual General Meeting, May 12, 2022 OSB Group Plc, Annual General Meeting, May 12, 2022, at 10:00 Coordinated Universal Time. Location: 90 Whitfield Street, Fitzrovia, London United Kingdom Recent Insider Transactions • Mar 24
Group Chief Credit & Compliance Officer recently sold €184k worth of stock On the 21st of March, Richard Wilson sold around 27k shares on-market at roughly €6.71 per share. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of €6.9m more than they bought in the last 12 months. Reported Earnings • Mar 18
Full year 2021 earnings: EPS in line with expectations, revenues disappoint Full year 2021 results: EPS: UK£0.76 (up from UK£0.43 in FY 2020). Revenue: UK£633.4m (up 45% from FY 2020). Net income: UK£345.3m (up 81% from FY 2020). Profit margin: 55% (up from 44% in FY 2020). The increase in margin was driven by higher revenue. Revenue missed analyst estimates by 2.6%. Over the next year, revenue is forecast to grow 11%, compared to a 15% growth forecast for the banks industry in Germany. Over the last 3 years on average, earnings per share has increased by 9% per year whereas the company’s share price has increased by 7% per year. Recent Insider Transactions • Aug 22
Insider recently sold €871k worth of stock On the 20th of August, Andrew Golding sold around 150k shares on-market at roughly €5.81 per share. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of €7.0m more than they bought in the last 12 months. Reported Earnings • Aug 21
First half 2021 earnings released: EPS UK£0.35 (vs UK£0.15 in 1H 2020) The company reported a strong first half result with improved earnings, revenues and profit margins. First half 2021 results: Revenue: UK£305.2m (up 60% from 1H 2020). Net income: UK£158.8m (up 129% from 1H 2020). Profit margin: 52% (up from 36% in 1H 2020). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 4% per year but the company’s share price has increased by 8% per year, which means it is well ahead of earnings. Recent Insider Transactions • Apr 13
Insider recently sold €5.5m worth of stock On the 12th of April, Alan Cleary sold around 1m shares on-market at roughly €5.52 per share. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of €5.9m more than they bought in the last 12 months. Reported Earnings • Apr 11
Full year 2020 earnings released: EPS UK£0.43 (vs UK£0.53 in FY 2019) The company reported a solid full year result with improved earnings and revenues, although profit margins were weaker. Full year 2020 results: Revenue: UK£437.4m (up 33% from FY 2019). Net income: UK£190.8m (up 25% from FY 2019). Profit margin: 44% (down from 47% in FY 2019). The decrease in margin was driven by higher expenses. Non-performing loans: 2.62% (up from 2.33% in FY 2019). Annuncio • Mar 19
Osb Group plc Recommends Dividend for 2020 OSB Group Plc intends to recommend a dividend for 2020 in line with stated dividend policy of 25% of full year underlying earnings attributable to ordinary shareholders. Is New 90 Day High Low • Feb 17
New 90-day high: €5.06 The company is up 16% from its price of €4.36 on 19 November 2020. The German market is up 11% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Mortgage industry, which is up 7.0% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €11.16 per share. Annuncio • Jan 12
OSB Group Plc, Annual General Meeting, Jan 28, 2021 OSB Group Plc, Annual General Meeting, Jan 28, 2021, at 13:00 GMT Standard Time. Is New 90 Day High Low • Jan 08
New 90-day high: €4.76 The company is up 46% from its price of €3.26 on 09 October 2020. The German market is up 8.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Mortgage industry, which is up 23% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €10.36 per share.