OSB Group Plc

BATS-CHIXE:OSBL Stock Report

Market Cap: UK£1.4b

OSB Group Valuation

Is OSBL undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

6/6

Valuation Score 6/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of OSBL when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: OSBL (£3.78) is trading below our estimate of fair value (£15.9)

Significantly Below Fair Value: OSBL is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for OSBL?

Key metric: As OSBL is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for OSBL. This is calculated by dividing OSBL's market cap by their current earnings.
What is OSBL's PE Ratio?
PE Ratio3.7x
EarningsUK£392.60m
Market CapUK£1.44b

Price to Earnings Ratio vs Peers

How does OSBL's PE Ratio compare to its peers?

The above table shows the PE ratio for OSBL vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average15.6x
PAG Paragon Banking Group
7.4x0.07%UK£1.5b
NBS Nationwide Building Society
0.9xn/aUK£1.2b
MAB1 Mortgage Advice Bureau (Holdings)
31.4x26.4%UK£337.3m
DVNO Develop North
22.6xn/aUK£19.5m
OSBL OSB Group
3.7x-3.8%UK£1.4b

Price-To-Earnings vs Peers: OSBL is good value based on its Price-To-Earnings Ratio (3.7x) compared to the peer average (15.6x).

Price to Earnings Ratio vs Industry

How does OSBL's PE Ratio compare vs other companies in the GB Diversified Financial Industry?

1 CompanyPrice / EarningsEstimated GrowthMarket Cap
NBS Nationwide Building Society
0.9xn/aUS$1.52b
No more companies available in this PE range
No. of Companies4PE01224364860+
1 CompanyEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: OSBL is good value based on its Price-To-Earnings Ratio (3.7x) compared to the UK Diversified Financial industry average (14.2x).

Price to Earnings Ratio vs Fair Ratio

What is OSBL's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

OSBL PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio3.7x
Fair PE Ratio13.7x

Price-To-Earnings vs Fair Ratio: OSBL is good value based on its Price-To-Earnings Ratio (3.7x) compared to the estimated Fair Price-To-Earnings Ratio (13.7x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst OSBL forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUK£3.78
UK£5.49
+45.2%
13.5%UK£6.50UK£3.95n/a11
Nov ’25UK£3.54
UK£5.42
+53.1%
13.0%UK£6.50UK£3.95n/a10
Oct ’25UK£3.90
UK£5.44
+39.6%
13.6%UK£6.70UK£3.95n/a10
Sep ’25UK£3.67
UK£5.58
+52.0%
14.3%UK£6.70UK£3.95n/a10
Aug ’25UK£5.04
UK£5.96
+18.4%
14.8%UK£7.10UK£4.20n/a10
Jul ’25UK£4.34
UK£5.94
+36.7%
14.4%UK£7.00UK£4.20n/a10
Jun ’25UK£4.66
UK£6.11
+31.2%
17.6%UK£7.80UK£4.20n/a9
May ’25UK£4.12
UK£6.19
+50.1%
15.8%UK£7.80UK£4.20n/a10
Apr ’25UK£3.77
UK£6.20
+64.4%
14.9%UK£7.80UK£4.20n/a11
Mar ’25UK£4.32
UK£6.50
+50.3%
14.8%UK£8.35UK£4.69n/a12
Feb ’25UK£4.37
UK£6.48
+48.1%
15.8%UK£8.35UK£4.69n/a12
Jan ’25UK£4.64
UK£6.50
+40.1%
15.8%UK£8.35UK£4.73n/a12
Dec ’24UK£3.75
UK£6.37
+69.9%
18.2%UK£8.35UK£4.50n/a12
Nov ’24UK£2.91
UK£6.44
+121.7%
17.7%UK£8.35UK£4.50UK£3.5411
Oct ’24UK£3.29
UK£6.58
+99.7%
18.9%UK£9.00UK£4.50UK£3.9011
Sep ’24UK£3.43
UK£6.58
+91.8%
18.9%UK£9.00UK£4.50UK£3.6711
Aug ’24UK£3.67
UK£6.76
+84.5%
16.6%UK£9.10UK£5.00UK£5.0410
Jul ’24UK£4.82
UK£7.37
+52.8%
17.4%UK£9.10UK£5.00UK£4.3410
Jun ’24UK£4.98
UK£7.37
+48.0%
17.4%UK£9.10UK£5.00UK£4.6610
May ’24UK£4.97
UK£7.16
+44.0%
15.4%UK£8.65UK£5.00UK£4.1210
Apr ’24UK£4.80
UK£7.20
+49.9%
14.5%UK£8.65UK£5.00UK£3.7710
Mar ’24UK£5.55
UK£7.27
+31.0%
15.8%UK£9.50UK£4.90UK£4.3211
Feb ’24UK£5.54
UK£7.24
+30.9%
15.7%UK£9.50UK£4.90UK£4.3711
Jan ’24UK£4.82
UK£7.26
+50.6%
15.8%UK£9.50UK£4.90UK£4.6411
Dec ’23UK£4.84
UK£7.13
+47.2%
16.8%UK£9.50UK£4.90UK£3.7511
Nov ’23UK£4.24
UK£7.31
+72.5%
17.7%UK£9.50UK£4.90UK£2.9111

Analyst Forecast: Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.

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