How does OSBG.F's PE Ratio compare to its peers?

OSBG.F is good value based on its Price-To-Earnings Ratio (3.8x) compared to the peer average (15.6x).

How does OSBG.F's PE Ratio compare vs other companies in the US Diversified Financial Industry?

OSBG.F is good value based on its Price-To-Earnings Ratio (3.8x) compared to the US Diversified Financial industry average (17.5x).

What is OSBG.F'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.

Insufficient data to calculate OSBG.F's Price-To-Earnings Fair Ratio for valuation analysis.

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

OSBG.F ($4.95) is trading below our estimate of [[fair value]] ($18.95)

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

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

OSBG.F Stock Overview

Through its subsidiaries, operates as a specialist mortgage lending and retail savings company in the United Kingdom and the Channel Islands. More details

OSBG.F fundamental analysis
Snowflake Score
Valuation	5/6
Future Growth	0/6
Past Performance	5/6
Financial Health	4/6
Dividends	5/6

Rewards

Trading at 73.9% below our estimate of its fair value

Earnings grew by 59% over the past year

Analysts in good agreement that stock price will rise by 40.7%

Risk Analysis

Earnings are forecast to decline by an average of 5.4% per year for the next 3 years

Shares are highly illiquid

Unstable dividend track record

My Notes

Capture your thoughts, links and company narrative

OSB Group Plc Competitors

Federal Agricultural Mortgage

NYSE:AGM

US$2.1b

Merchants Bancorp

NasdaqCM:MBIN

US$1.7b

NMI Holdings

NasdaqGM:NMIH

US$2.9b

Walker & Dunlop

NYSE:WD

US$3.3b

Price History & Performance

Summary of share price highs, lows and changes for OSB Group
Historical stock prices
Current Share Price	UK£4.95
52 Week High	UK£6.00
52 Week Low	UK£4.73
Beta	1.4
1 Month Change	4.43%
3 Month Change	4.21%
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	-11.61%
Change since IPO	6.91%

Recent updates

Shareholder Returns

	OSBG.F	US Diversified Financial	US Market
7D	4.4%	-0.9%	-2.2%
1Y	n/a	25.4%	23.9%

Return vs Industry: Insufficient data to determine how OSBG.F performed against the US Diversified Financial industry.

Return vs Market: Insufficient data to determine how OSBG.F performed against the US Market.

Price Volatility

Is OSBG.F's price volatile compared to industry and market?
OSBG.F volatility
OSBG.F Average Weekly Movement	n/a
Diversified Financial Industry Average Movement	5.0%
Market Average Movement	6.3%
10% most volatile stocks in US Market	17.0%
10% least volatile stocks in US Market	3.1%

Stable Share Price: OSBG.F's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine OSBG.F's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1847	2,558	Andy Golding	www.osb.co.uk

OSB Group Plc, through its subsidiaries, operates as a specialist mortgage lending and retail savings company in the United Kingdom and the Channel Islands. It provides private rented sector related buy-to-let, commercial and semi-commercial mortgages, residential development finance, secured funding, bridging, and asset finance services. The company also provides buy-to-let and specialist residential mortgages, mortgage servicing, administration and analytical, mortgage originator and servicer, and retail savings products; and back office processing services.

OSB Group Plc Fundamentals Summary

How do OSB Group's earnings and revenue compare to its market cap?
OSBG.F fundamental statistics
Market cap	US$1.86b
Earnings (TTM)	US$492.25m
Revenue (TTM)	US$990.26m

3.8x

P/E Ratio

1.9x

P/S Ratio

Is OSBG.F overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
OSBG.F income statement (TTM)
Revenue	UK£789.80m
Cost of Revenue	UK£0
Gross Profit	UK£789.80m
Other Expenses	UK£397.20m
Earnings	UK£392.60m

Last Reported Earnings

Jun 30, 2024

Next Earnings Date

Mar 13, 2025

Earnings per share (EPS)	1.04
Gross Margin	100.00%
Net Profit Margin	49.71%
Debt/Equity Ratio	189.5%

How did OSBG.F perform over the long term?

See historical performance and comparison

Dividends

8.3%

Current Dividend Yield

33%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/24 18:44
End of Day Share Price	2024/12/18 00:00
Earnings	2024/06/30
Annual Earnings	2023/12/31

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	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* 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 here.

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 .

Analyst Sources

OSB Group Plc is covered by 22 analysts. 9 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
Daniel Garrod	Barclays
Grace Dargan	Barclays
Peter Richardson	Berenberg

OSB Group OTCPK:OSBG.F Stock Report