View ValuationOSB Group 将来の成長Future 基準チェック /16OSB Group利益と収益がそれぞれ年間6%と5.4%増加すると予測されています。EPS は年間 増加すると予想されています。自己資本利益率は 3 年後に14.3% 9.6%なると予測されています。主要情報6.0%収益成長率9.56%EPS成長率Diversified Financial 収益成長53.9%収益成長率5.4%将来の株主資本利益率14.33%アナリストカバレッジGood最終更新日11 May 2026今後の成長に関する最新情報更新なしすべての更新を表示Recent updatesBoard Change • May 20High number of new directorsThere 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.お知らせ • Apr 25Osb Group Plc, Onesavings Bank Plc, Charter Court Financial Services Limited Announce Board ChangesFurther 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.お知らせ • Mar 06OSB Group Plc Recommends Final Dividend for the Year Ended December 31, 2025, Payable on 13 May 2026 and Provides Dividend Guidance for 2026OSB 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.お知らせ • Feb 20OSB Group Plc Announces the Appointment of Enrique Alvarez Labiano as Chief Executive OfficerOSB 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.お知らせ • Feb 06+ 1 more updateOsb Group plc Announces Changes to Its Board and CommitteesOSB Group Plc announces the appointment of Robin Bullochto as a Non-Executive Director, with effect from 1 April 2026. Robin will join the Group Audit Committee and the Group Risk Committee. Robin is a senior British banking executive with a forty-year career in retail banking. He has held senior leadership roles across many UK banks, including Lloyds Bank, Bank of Scotland, RBS/NatWest Group, and Tesco Personal Finance (Tesco Bank), where he served as Chief Executive Officer. He joined TSB in 2019 as Chief Customer Officer, leading customer experience transformation, developing the bank’s proposition and distribution strategy, supporting business customers, and overseeing the TSB brand relaunch in 2020. He was appointed Interim Chief Executive Officer in December 2021and became the permanent CEO in April 2022. In 2025, he announced his executive retirement after 45 years in banking. Robin is a Fellow of the Chartered Banker Institute and previously served on its board. The Group further announced that Noel Harwerth will be stepping down from the Board at the Annual General Meeting, which is scheduled to be held on 7 May 2026, having reached the end of her nine-year tenure.Board Change • Dec 30High number of new directorsThere 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.お知らせ • Nov 13+ 1 more updateOSB Group Announces Intention of Andy Golding to Retire as CEO, Effective 31 December 2026OSB Group announced that Andy Golding has informed the Group’s Board of his intention to retire From his role as CEO by 31 December 2026. The Board has commenced the search, with assistance of a third party, for a new CEO to deliver the strategy for the Group as set out at the Investor Update in March 2025. Andy will continue as a Board director and Group CEO and, alongside the Board and the experienced executive team, will continue to focus on delivering the strategy, including the 2025 and 2026 financial guidance and medium-term aspirations, set out at the Investor Update in March 2025.お知らせ • Nov 06+ 1 more updateOSB Group Plc to Report Fiscal Year 2025 Results on Mar 05, 2026OSB Group Plc announced that they will report fiscal year 2025 results on Mar 05, 2026お知らせ • Sep 12OSB Group Plc Announces Board Changes, Effective October 1, 2025OSB 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.お知らせ • Aug 21OSB Group Plc Declares an Interim Dividend for the First Half Ended 30 June 2025, Payable on 19 September 2025OSB 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.お知らせ • Mar 14OSB 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.お知らせ • Mar 13OSB Group Plc Announces Board ChangesOSB 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.お知らせ • Feb 06+ 1 more updateOSB Group Plc Announces Board ChangesOSB Group Plc announced the appointment of Sally Jones-Evans as a Non-Executive Director, with effect from 1 April 2025. The Group further announced that Sarah Hedger, who has served on the group’s Board for six years, has indicated that she does not intend to stand for re-election to the Board at the Annual General Meeting, which is scheduled to be held on 8 May 2025. Sally will join the Group Remuneration and People Committee and the Group Nomination and Governance Committee. Subject to regulatory approval, she will also become Chair of the Group Remuneration and People Committee. Until April 2024, Sally was the Chair of the Principality Building Society, where she oversaw a complete strategy refresh to 2030 and management of a major IT project. She brings extensive non-executive board experience, having served as a board member and chaired audit, risk and remuneration committees. Prior to this, her 30-year executive career was at Lloyds Banking Group in a variety of leadership roles across customer-facing parts of the business, culminating in her position as HR & Integration Director of Group Operations.お知らせ • Nov 06+ 1 more updateOSB Group Plc to Report First Half, 2025 Results on Aug 20, 2025OSB Group Plc announced that they will report first half, 2025 results on Aug 20, 2025New Risk • Sep 05New major risk - Revenue and earnings growthEarnings 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 18First half dividend of UK£0.11 announcedShareholders 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 16First 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 16Investor 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.お知らせ • Aug 15Osb Group plc Declares Interim Dividend for 2024, Payable on 20 September 2024OSB 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.お知らせ • Apr 19OSB GROUP PLC Appoints Henry Daubeney as Non-Executive Director and Join the Group Audit Committee and the Group Risk Committee, Effect from 1 July 2024OSB 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.お知らせ • Apr 05OSB Group Plc Announces Directors ChangesOSB 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 31Upcoming dividend of UK£0.22 per shareEligible 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 17Final dividend of UK£0.22 announcedShareholders 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 04Investor 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.お知らせ • Nov 03+ 3 more updatesOSB Group Plc to Report First Half, 2024 Results on Aug 15, 2024OSB Group Plc announced that they will report first half, 2024 results on Aug 15, 2024お知らせ • Nov 02OSB Group Plc Announces Retirement of April Talintyre as Executive DirectorOSB 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 17Upcoming dividend of UK£0.10 per share at 8.1% yieldEligible 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 13New major risk - Share price stabilityThe 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).お知らせ • Aug 11OSB Group Plc Declares an Interim Dividend for 2023, Payable on 20 September 2023OSB 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 11First 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 07New minor risk - Share price stabilityThe 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 07Investor 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 17Insider recently sold €337k worth of stockOn 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 09Insider recently sold €55k worth of stockOn 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 17Full 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.お知らせ • Feb 08OSB Group plc Appoints Kal Atwal as Non-Executive DirectorOSB 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 16Insufficient new directorsThere 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.お知らせ • Nov 04+ 2 more updatesOSB Group Plc to Report Q4, 2022 Results on Mar 16, 2023OSB Group Plc announced that they will report Q4, 2022 results on Mar 16, 2023Board Change • Nov 02Insufficient new directorsThere 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 30Investor sentiment deteriorated over the past weekAfter 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 18Upcoming dividend of UK£0.087 per shareEligible 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 12First 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.お知らせ • Aug 11Osb Group plc Declare Interim Dividends, Payable on 21 September 2022OSB 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 27CFO & Director recently sold €1.1m worth of stockOn 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.お知らせ • Apr 01OSB Group Plc, Annual General Meeting, May 12, 2022OSB Group Plc, Annual General Meeting, May 12, 2022, at 10:00 Coordinated Universal Time. Location: 90 Whitfield Street, Fitzrovia, London United KingdomRecent Insider Transactions • Mar 24Group Chief Credit & Compliance Officer recently sold €184k worth of stockOn 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 18Full year 2021 earnings: EPS in line with expectations, revenues disappointFull 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 22Insider recently sold €871k worth of stockOn 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 21First 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 13Insider recently sold €5.5m worth of stockOn 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 11Full 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).お知らせ • Mar 19Osb Group plc Recommends Dividend for 2020OSB 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.お知らせ • Mar 10+ 2 more updatesOSB Group Plc to Report Fiscal Year 2020 Results on Mar 18, 2021OSB Group Plc announced that they will report fiscal year 2020 results on Mar 18, 2021Is New 90 Day High Low • Feb 17New 90-day high: €5.06The 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.お知らせ • Jan 12OSB Group Plc, Annual General Meeting, Jan 28, 2021OSB Group Plc, Annual General Meeting, Jan 28, 2021, at 13:00 GMT Standard Time.Is New 90 Day High Low • Jan 08New 90-day high: €4.76The 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.業績と収益の成長予測DB:2UK - アナリストの将来予測と過去の財務データ ( )GBP Millions日付収益収益フリー・キャッシュフロー営業活動によるキャッシュ平均アナリスト数12/31/2028784329N/AN/A712/31/2027733299N/AN/A712/31/2026693276N/AN/A712/31/2025655276-594-561N/A9/30/2025645269-236-201N/A6/30/2025635263122159N/A3/31/2025657281289330N/A12/31/2024679299457500N/A9/30/2024734346-403-364N/A6/30/2024789393-1,263-1,228N/A3/31/2024699333-1,592-1,562N/A12/31/2023610274-1,922-1,896N/A9/30/2023590260-2,044-2,020N/A6/30/2023571247-2,166-2,144N/A3/31/2023658324-1,997-1,981N/A12/31/2022745401-1,829-1,817N/A9/30/2022718396-1,202-1,194N/A6/30/2022690391-576-570N/A3/31/2022662366-936-929N/A12/31/2021634341-1,295-1,288N/A9/30/2021593310-1,324-1,317N/A6/30/2021552280-1,353-1,345N/A3/31/2021495236-1,539-1,532N/A12/31/2020437191-1,725-1,718N/A9/30/2020413175-2,165-2,159N/A6/30/2020389160-2,606-2,601N/A3/31/2020362157-2,386-2,378N/A12/31/2019335153-2,166-2,155N/A9/30/2019308142N/A-1,200N/A6/30/2019282131N/A-245N/A3/31/2019277133N/A-166N/A12/31/2018273136N/A-86N/A9/30/2018263134N/A-735N/A6/30/2018253133N/A-1,384N/A3/31/2018243128N/A-1,296N/A12/31/2017234124N/A-1,209N/A9/30/2017222115N/A-1,109N/A6/30/2017210105N/A-1,009N/A3/31/2017219113N/A-959N/A12/31/2016227120N/A-910N/A9/30/2016217120N/A-918N/A6/30/2016207120N/A-925N/A3/31/2016179101N/A-1,018N/A12/31/201515283N/A-1,111N/A9/30/201514175N/A-1,094N/A6/30/201513067N/A-1,076N/Aもっと見るアナリストによる今後の成長予測収入対貯蓄率: 2UKの予測収益成長率 (年間6% ) は 貯蓄率 ( 1.9% ) を上回っています。収益対市場: 2UKの収益 ( 6% ) German市場 ( 17% ) よりも低い成長が予測されています。高成長収益: 2UKの収益は増加すると予測されていますが、大幅には増加しません。収益対市場: 2UKの収益 ( 5.4% ) German市場 ( 6.8% ) よりも低い成長が予測されています。高い収益成長: 2UKの収益 ( 5.4% ) 20%よりも低い成長が予測されています。一株当たり利益成長率予想将来の株主資本利益率将来のROE: 2UKの 自己資本利益率 は、3年後には低くなると予測されています ( 14.3 %)。成長企業の発掘7D1Y7D1Y7D1YDiversified-financials 業界の高成長企業。View Past Performance企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2026/05/21 13:36終値2026/05/21 00:00収益2025/12/31年間収益2025/12/31データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレーク本レポートを生成するために使用した分析モデルの詳細は当社のGithubページでご覧いただけます。また、レポートの使用方法に関するガイドやYoutubeのチュートリアルも掲載しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋OSB Group Plc 7 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。23 アナリスト機関Grace DarganBarclaysDaniel GarrodBarclaysPeter RichardsonBerenberg20 その他のアナリストを表示
Board Change • May 20High number of new directorsThere 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.
お知らせ • Apr 25Osb Group Plc, Onesavings Bank Plc, Charter Court Financial Services Limited Announce Board ChangesFurther 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.
お知らせ • Mar 06OSB Group Plc Recommends Final Dividend for the Year Ended December 31, 2025, Payable on 13 May 2026 and Provides Dividend Guidance for 2026OSB 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.
お知らせ • Feb 20OSB Group Plc Announces the Appointment of Enrique Alvarez Labiano as Chief Executive OfficerOSB 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.
お知らせ • Feb 06+ 1 more updateOsb Group plc Announces Changes to Its Board and CommitteesOSB Group Plc announces the appointment of Robin Bullochto as a Non-Executive Director, with effect from 1 April 2026. Robin will join the Group Audit Committee and the Group Risk Committee. Robin is a senior British banking executive with a forty-year career in retail banking. He has held senior leadership roles across many UK banks, including Lloyds Bank, Bank of Scotland, RBS/NatWest Group, and Tesco Personal Finance (Tesco Bank), where he served as Chief Executive Officer. He joined TSB in 2019 as Chief Customer Officer, leading customer experience transformation, developing the bank’s proposition and distribution strategy, supporting business customers, and overseeing the TSB brand relaunch in 2020. He was appointed Interim Chief Executive Officer in December 2021and became the permanent CEO in April 2022. In 2025, he announced his executive retirement after 45 years in banking. Robin is a Fellow of the Chartered Banker Institute and previously served on its board. The Group further announced that Noel Harwerth will be stepping down from the Board at the Annual General Meeting, which is scheduled to be held on 7 May 2026, having reached the end of her nine-year tenure.
Board Change • Dec 30High number of new directorsThere 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.
お知らせ • Nov 13+ 1 more updateOSB Group Announces Intention of Andy Golding to Retire as CEO, Effective 31 December 2026OSB Group announced that Andy Golding has informed the Group’s Board of his intention to retire From his role as CEO by 31 December 2026. The Board has commenced the search, with assistance of a third party, for a new CEO to deliver the strategy for the Group as set out at the Investor Update in March 2025. Andy will continue as a Board director and Group CEO and, alongside the Board and the experienced executive team, will continue to focus on delivering the strategy, including the 2025 and 2026 financial guidance and medium-term aspirations, set out at the Investor Update in March 2025.
お知らせ • Nov 06+ 1 more updateOSB Group Plc to Report Fiscal Year 2025 Results on Mar 05, 2026OSB Group Plc announced that they will report fiscal year 2025 results on Mar 05, 2026
お知らせ • Sep 12OSB Group Plc Announces Board Changes, Effective October 1, 2025OSB 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.
お知らせ • Aug 21OSB Group Plc Declares an Interim Dividend for the First Half Ended 30 June 2025, Payable on 19 September 2025OSB 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.
お知らせ • Mar 14OSB 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.
お知らせ • Mar 13OSB Group Plc Announces Board ChangesOSB 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.
お知らせ • Feb 06+ 1 more updateOSB Group Plc Announces Board ChangesOSB Group Plc announced the appointment of Sally Jones-Evans as a Non-Executive Director, with effect from 1 April 2025. The Group further announced that Sarah Hedger, who has served on the group’s Board for six years, has indicated that she does not intend to stand for re-election to the Board at the Annual General Meeting, which is scheduled to be held on 8 May 2025. Sally will join the Group Remuneration and People Committee and the Group Nomination and Governance Committee. Subject to regulatory approval, she will also become Chair of the Group Remuneration and People Committee. Until April 2024, Sally was the Chair of the Principality Building Society, where she oversaw a complete strategy refresh to 2030 and management of a major IT project. She brings extensive non-executive board experience, having served as a board member and chaired audit, risk and remuneration committees. Prior to this, her 30-year executive career was at Lloyds Banking Group in a variety of leadership roles across customer-facing parts of the business, culminating in her position as HR & Integration Director of Group Operations.
お知らせ • Nov 06+ 1 more updateOSB Group Plc to Report First Half, 2025 Results on Aug 20, 2025OSB Group Plc announced that they will report first half, 2025 results on Aug 20, 2025
New Risk • Sep 05New major risk - Revenue and earnings growthEarnings 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 18First half dividend of UK£0.11 announcedShareholders 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 16First 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 16Investor 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.
お知らせ • Aug 15Osb Group plc Declares Interim Dividend for 2024, Payable on 20 September 2024OSB 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.
お知らせ • Apr 19OSB GROUP PLC Appoints Henry Daubeney as Non-Executive Director and Join the Group Audit Committee and the Group Risk Committee, Effect from 1 July 2024OSB 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.
お知らせ • Apr 05OSB Group Plc Announces Directors ChangesOSB 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 31Upcoming dividend of UK£0.22 per shareEligible 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 17Final dividend of UK£0.22 announcedShareholders 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 04Investor 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.
お知らせ • Nov 03+ 3 more updatesOSB Group Plc to Report First Half, 2024 Results on Aug 15, 2024OSB Group Plc announced that they will report first half, 2024 results on Aug 15, 2024
お知らせ • Nov 02OSB Group Plc Announces Retirement of April Talintyre as Executive DirectorOSB 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 17Upcoming dividend of UK£0.10 per share at 8.1% yieldEligible 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 13New major risk - Share price stabilityThe 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).
お知らせ • Aug 11OSB Group Plc Declares an Interim Dividend for 2023, Payable on 20 September 2023OSB 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 11First 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 07New minor risk - Share price stabilityThe 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 07Investor 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 17Insider recently sold €337k worth of stockOn 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 09Insider recently sold €55k worth of stockOn 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 17Full 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.
お知らせ • Feb 08OSB Group plc Appoints Kal Atwal as Non-Executive DirectorOSB 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 16Insufficient new directorsThere 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.
お知らせ • Nov 04+ 2 more updatesOSB Group Plc to Report Q4, 2022 Results on Mar 16, 2023OSB Group Plc announced that they will report Q4, 2022 results on Mar 16, 2023
Board Change • Nov 02Insufficient new directorsThere 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 30Investor sentiment deteriorated over the past weekAfter 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 18Upcoming dividend of UK£0.087 per shareEligible 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 12First 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.
お知らせ • Aug 11Osb Group plc Declare Interim Dividends, Payable on 21 September 2022OSB 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 27CFO & Director recently sold €1.1m worth of stockOn 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.
お知らせ • Apr 01OSB Group Plc, Annual General Meeting, May 12, 2022OSB 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 24Group Chief Credit & Compliance Officer recently sold €184k worth of stockOn 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 18Full year 2021 earnings: EPS in line with expectations, revenues disappointFull 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 22Insider recently sold €871k worth of stockOn 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 21First 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 13Insider recently sold €5.5m worth of stockOn 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 11Full 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).
お知らせ • Mar 19Osb Group plc Recommends Dividend for 2020OSB 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.
お知らせ • Mar 10+ 2 more updatesOSB Group Plc to Report Fiscal Year 2020 Results on Mar 18, 2021OSB Group Plc announced that they will report fiscal year 2020 results on Mar 18, 2021
Is New 90 Day High Low • Feb 17New 90-day high: €5.06The 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.
お知らせ • Jan 12OSB Group Plc, Annual General Meeting, Jan 28, 2021OSB Group Plc, Annual General Meeting, Jan 28, 2021, at 13:00 GMT Standard Time.
Is New 90 Day High Low • Jan 08New 90-day high: €4.76The 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.