OSB Group (OSB) Stock Overview
Through its subsidiaries, operates as a specialist mortgage lending company in the United Kingdom and India. More details
| Snowflake Score | |
|---|---|
| Valuation | 6/6 |
| Future Growth | 2/6 |
| Past Performance | 1/6 |
| Financial Health | 4/6 |
| Dividends | 5/6 |
Rewards
Risk Analysis
OSB Community Fair Values
Create NarrativeSee what 70 others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
OSB Group Plc Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | UK£5.02 |
| 52 Week High | UK£6.48 |
| 52 Week Low | UK£4.79 |
| Beta | 1.05 |
| 1 Month Change | -6.17% |
| 3 Month Change | -15.57% |
| 1 Year Change | 3.96% |
| 3 Year Change | 1.72% |
| 5 Year Change | 7.16% |
| Change since IPO | 189.88% |
Recent News & Updates
Narrative Update • Apr 27
OSB: Higher Price Objective And Dividend Outlook Will Support Bullish Stance
Analysts have raised their price target on OSB Group to £7.30 from £6.20. This reflects updated assumptions around fair value, discount rate, revenue growth, profit margin and future P/E multiples.Narrative Update • Apr 12
OSB: Higher Price Objective And Dividend Plan Will Support Constructive Stance
Analysts have raised their price target on OSB Group to £7.30 from £6.20, reflecting updated views on the stock's risk profile and earnings potential that are incorporated into the revised valuation inputs. Analyst Commentary Bullish Takeaways Bullish analysts see the revised £7.30 price target as better aligned with their updated view of OSB Group’s earnings profile and risk assumptions, which feeds directly into their valuation models.Narrative Update • Mar 29
OSB: Lower Discount Rate And Dividend Policy Will Support Constructive Stance
OSB Group's updated analyst price target reflects a recalibration to £6.83 from £6.97, with analysts pointing to refreshed views on fair value, discount rate and earnings assumptions following mixed recent research that included a target lift to £7.30 and a downgrade from another firm. Analyst Commentary Recent research on OSB Group highlights a split in views, with some analysts lifting price targets while others are more cautious on the shares.Recent updates
Narrative Update • Apr 27
OSB: Higher Price Objective And Dividend Outlook Will Support Bullish Stance
Analysts have raised their price target on OSB Group to £7.30 from £6.20. This reflects updated assumptions around fair value, discount rate, revenue growth, profit margin and future P/E multiples.Narrative Update • Apr 12
OSB: Higher Price Objective And Dividend Plan Will Support Constructive Stance
Analysts have raised their price target on OSB Group to £7.30 from £6.20, reflecting updated views on the stock's risk profile and earnings potential that are incorporated into the revised valuation inputs. Analyst Commentary Bullish Takeaways Bullish analysts see the revised £7.30 price target as better aligned with their updated view of OSB Group’s earnings profile and risk assumptions, which feeds directly into their valuation models.Narrative Update • Mar 29
OSB: Lower Discount Rate And Dividend Policy Will Support Constructive Stance
OSB Group's updated analyst price target reflects a recalibration to £6.83 from £6.97, with analysts pointing to refreshed views on fair value, discount rate and earnings assumptions following mixed recent research that included a target lift to £7.30 and a downgrade from another firm. Analyst Commentary Recent research on OSB Group highlights a split in views, with some analysts lifting price targets while others are more cautious on the shares.Narrative Update • Mar 11
OSB: Lower Risk Assumptions Will Support Constructive Stance Despite Recent Downgrade
Analysts have raised their price target on OSB Group to £7.30 from £6.20, citing updated assumptions around fair value, discount rates, revenue growth, profit margins and future P/E multiples. Analyst Commentary Bullish Takeaways Bullish analysts see the higher £7.30 price target as more aligned with their updated assumptions on fair value, suggesting they view the current valuation as not fully reflecting their expectations on the business.Narrative Update • Feb 24
OSB: Rebased Risk Assumptions Will Support A Constructive Post Downgrade Outlook
Analysts have revised their price target on OSB Group to £6.76, citing a slightly higher expected future P/E multiple and updated risk assumptions following recent research, including the Deutsche Bank downgrade. Analyst Commentary Recent research on OSB Group has led analysts to re-examine both the earnings outlook and the risk profile, which feeds directly into the updated £6.76 price target.Narrative Update • Feb 10
OSB: Refined Earnings Assumptions Will Support A Constructive Post Downgrade Outlook
Analysts have nudged their average price target on OSB Group higher to about £6.76 from roughly £6.67. This reflects updated views on fair value, discount rate assumptions and projected margins after the latest research, including a recent downgrade at Deutsche Bank that has prompted closer scrutiny of the shares.Narrative Update • Jan 27
OSB: Leadership Transition And Discount-Rate Caution Will Shape A Balanced Outlook
Analysts have trimmed their price target on OSB Group to £6.67 from £6.66, citing slightly higher assumed discount rates along with modestly adjusted revenue growth, profit margin and future P/E assumptions in their updated models. Analyst Commentary Recent commentary around OSB Group reflects a mix of optimism about the business model and caution about execution and valuation, especially in light of the trimmed price target to £6.67 and the downgrade by Deutsche Bank.Narrative Update • Jan 12
OSB: Leadership Transition And Stable Margins Will Guide A Measured Outlook
Analysts have nudged their fair value estimate for OSB Group higher to £6.66 from £6.49, reflecting updated assumptions around discount rates, revenue growth, profit margins and a modestly higher future P/E of 9.71. What's in the News OSB Group said CEO Andy Golding plans to retire from his role by 31 December 2026, giving the market a clear timeframe for leadership transition (Key Developments).Narrative Update • Dec 26
OSB: Leadership Transition And Margins Will Shape A Measured Future Outlook
Narrative Update on OSB Group Analysts have nudged their price target on OSB Group higher by approximately £0.20, reflecting slightly stronger anticipated revenue growth, modestly improved profit margins, and a marginally lower discount rate in their valuation models. What's in the News CEO Andy Golding has notified the Board of his intention to retire from his role by 31 December 2026.Narrative Update • Dec 11
OSB: Leadership Transition Will Shape Outlook Amid Stable Earnings Expectations
Analysts have nudged their price target for OSB Group modestly higher, from £6.10 to £6.29. This reflects slightly lower perceived risk and a marginally richer valuation multiple, while growth and margin assumptions remain broadly unchanged.Narrative Update • Sep 04
Digital Transformation And UK Housing Demand Will Expand Horizons
The slight increase in OSB Group’s Future P/E multiple alongside steady revenue growth forecasts underpins the marginal uplift in the consensus analyst price target from £5.99 to £6.10. What's in the News Board declared an interim dividend of 11.2 pence per share for H1 2025, in line with its policy of one-third of the prior year's total dividend.
New Narrative • Mar 16
Technology Investments And Positive Housing Outlook Will Support Future Profitability
Investment in technology and operational efficiencies could enhance growth through improved cost management and operational leverage, boosting future earnings.Analysis Article • Aug 13
OSB Group (LON:OSB) Is Increasing Its Dividend To £0.102
The board of OSB Group Plc ( LON:OSB ) has announced that it will be paying its dividend of £0.102 on the 20th of...Analysis Article • Aug 10
Does OSB Group (LON:OSB) Deserve A Spot On Your Watchlist?
It's common for many investors, especially those who are inexperienced, to buy shares in companies with a good story...Analysis Article • Apr 23
Do OSB Group's (LON:OSB) Earnings Warrant Your Attention?
It's common for many investors, especially those who are inexperienced, to buy shares in companies with a good story...Analysis Article • Mar 19
OSB Group's (LON:OSB) Upcoming Dividend Will Be Larger Than Last Year's
The board of OSB Group Plc ( LON:OSB ) has announced that it will be paying its dividend of £0.335 on the 17th of May...Analysis Article • Dec 15
Do OSB Group's (LON:OSB) Earnings Warrant Your Attention?
It's common for many investors, especially those who are inexperienced, to buy shares in companies with a good story...Analysis Article • Aug 14
OSB Group's (LON:OSB) Shareholders Will Receive A Bigger Dividend Than Last Year
The board of OSB Group Plc ( LON:OSB ) has announced that it will be increasing its dividend by 78% on the 21st of...Analysis Article • Jul 24
Should You Be Adding OSB Group (LON:OSB) To Your Watchlist Today?
For beginners, it can seem like a good idea (and an exciting prospect) to buy a company that tells a good story to...Analysis Article • Apr 25
Is Now The Time To Put OSB Group (LON:OSB) On Your Watchlist?
Like a puppy chasing its tail, some new investors often chase 'the next big thing', even if that means buying 'story...Analysis Article • Jan 13
I Ran A Stock Scan For Earnings Growth And OSB Group (LON:OSB) Passed With Ease
It's only natural that many investors, especially those who are new to the game, prefer to buy shares in 'sexy' stocks...Analysis Article • Sep 28
Here's Why I Think OSB Group (LON:OSB) Might Deserve Your Attention Today
Like a puppy chasing its tail, some new investors often chase 'the next big thing', even if that means buying 'story...Shareholder Returns
| OSB | GB Diversified Financial | GB Market | |
|---|---|---|---|
| 7D | 2.0% | 0.02% | 2.5% |
| 1Y | 4.0% | 2.0% | 19.4% |
Return vs Industry: OSB exceeded the UK Diversified Financial industry which returned 2% over the past year.
Return vs Market: OSB underperformed the UK Market which returned 19.4% over the past year.
Price Volatility
| OSB volatility | |
|---|---|
| OSB Average Weekly Movement | 4.4% |
| Diversified Financial Industry Average Movement | 4.4% |
| Market Average Movement | 5.7% |
| 10% most volatile stocks in GB Market | 12.0% |
| 10% least volatile stocks in GB Market | 3.0% |
Stable Share Price: OSB has not had significant price volatility in the past 3 months compared to the UK market.
Volatility Over Time: OSB's weekly volatility (4%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1840 | 2,489 | Andy Golding | www.osb.co.uk |
OSB Group Plc, through its subsidiaries, operates as a specialist mortgage lending company in the United Kingdom and India. The company operates in two segments, OneSavings Bank (OSB) and Charter Court Financial Services (CCFS). It offers buy-to-let, residential, bridging, and commercial and semi-commercial mortgages; and residential development and asset finance services.
OSB Group Plc Fundamentals Summary
| OSB fundamental statistics | |
|---|---|
| Market cap | UK£1.74b |
| Earnings (TTM) | UK£275.60m |
| Revenue (TTM) | UK£655.00m |
6.3x
P/E Ratio2.7x
P/S RatioIs OSB overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| OSB income statement (TTM) | |
|---|---|
| Revenue | UK£655.00m |
| Cost of Revenue | UK£0 |
| Gross Profit | UK£655.00m |
| Other Expenses | UK£379.40m |
| Earnings | UK£275.60m |
Last Reported Earnings
Dec 31, 2025
Next Earnings Date
Aug 06, 2026
| Earnings per share (EPS) | 0.79 |
| Gross Margin | 100.00% |
| Net Profit Margin | 42.08% |
| Debt/Equity Ratio | 174.0% |
How did OSB perform over the long term?
See historical performance and comparisonDividends
7.0%
Current Dividend Yield47%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/05/24 09:02 |
| End of Day Share Price | 2026/05/22 00:00 |
| Earnings | 2025/12/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
OSB Group Plc is covered by 23 analysts. 7 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Grace Dargan | Barclays |
| Daniel Garrod | Barclays |
| Peter Richardson | Berenberg |