OSB Group Plc

OTCPK:OSBG.F Stock Report

Market Cap: US$1.8b

OSB Group Valuation

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

Valuation Score

5/6

Valuation Score 5/6

  • 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 OSBG.F when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: OSBG.F ($4.74) is trading below our estimate of fair value ($19.07)

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

Key Valuation Metric

Which metric is best to use when looking at relative valuation for OSBG.F?

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

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

Price to Earnings Ratio vs Peers

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

The above table shows the PE ratio for OSBG.F vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average16.8x
MBIN Merchants Bancorp
6.8x0.9%US$1.8b
AGM Federal Agricultural Mortgage
13.2x8.4%US$2.2b
NMIH NMI Holdings
8.3x4.8%US$3.0b
WD Walker & Dunlop
38.9x28.4%US$3.6b
OSBG.F OSB Group
3.7x-3.8%US$1.4b

Price-To-Earnings vs Peers: OSBG.F is good value based on its Price-To-Earnings Ratio (3.7x) compared to the peer average (16.8x).

Price to Earnings Ratio vs Industry

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

3 CompaniesPrice / EarningsEstimated GrowthMarket Cap
FOA Finance of America Companies
1.6x-143.9%US$494.84m
PMIR PMI Group
1.2xn/aUS$6.80m
ACGX Alliance Creative Group
2xn/aUS$598.94k
No more companies available in this PE range
OSBG.F 3.7xIndustry Avg. 18.5xNo. of Companies13PE01224364860+
3 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: OSBG.F is good value based on its Price-To-Earnings Ratio (3.7x) compared to the US Diversified Financial industry average (18.5x).

Price to Earnings Ratio vs Fair Ratio

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.

OSBG.F PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio3.7x
Fair PE Ration/a

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

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 OSBG.F forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$4.74
US$6.93
+46.1%
13.5%US$8.19US$4.98n/a11
Nov ’25US$4.85
US$7.04
+45.1%
13.0%US$8.44US$5.13n/a10
Oct ’25n/a
US$7.19
0%
13.6%US$8.85US$5.22n/a10
Sep ’25US$5.00
US$7.25
+45.0%
14.3%US$8.70US$5.13n/a10
Aug ’25n/a
US$7.62
0%
14.8%US$9.08US$5.37n/a10
Jul ’25n/a
US$7.51
0%
14.4%US$8.85US$5.31n/a10
Jun ’25n/a
US$7.77
0%
17.6%US$9.93US$5.35n/a9
May ’25n/a
US$7.82
0%
15.8%US$9.86US$5.31n/a10
Apr ’25US$4.73
US$7.81
+65.2%
14.9%US$9.82US$5.29n/a11
Mar ’25n/a
US$8.23
0%
14.8%US$10.57US$5.94n/a12
Feb ’25n/a
US$8.22
0%
15.8%US$10.60US$5.96n/a12
Jan ’25US$5.10
US$8.22
+61.1%
15.8%US$10.56US$5.98n/a12
Dec ’24n/a
US$7.97
0%
18.2%US$10.44US$5.63n/a12
Nov ’24n/a
US$7.81
0%
17.7%US$10.12US$5.45US$4.8511
Oct ’24n/a
US$8.32
0%
18.9%US$11.39US$5.69n/a11
Sep ’24n/a
US$8.32
0%
18.9%US$11.39US$5.69US$5.0011
Aug ’24n/a
US$8.85
0%
16.6%US$11.90US$6.54n/a10
Jul ’24n/a
US$9.25
0%
17.4%US$11.42US$6.28n/a10
Jun ’24n/a
US$9.25
0%
17.4%US$11.42US$6.28n/a10
May ’24n/a
US$8.91
0%
15.4%US$10.76US$6.22n/a10
Apr ’24n/a
US$8.87
0%
14.5%US$10.65US$6.16US$4.7310
Mar ’24n/a
US$8.77
0%
15.8%US$11.45US$5.91n/a11
Feb ’24n/a
US$8.83
0%
15.7%US$11.58US$5.98n/a11
Jan ’24n/a
US$8.78
0%
15.8%US$11.48US$5.92US$5.1011
Dec ’23n/a
US$8.45
0%
16.8%US$11.27US$5.81n/a11
Nov ’23n/a
US$8.38
0%
17.7%US$10.89US$5.62n/a11

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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Investor

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A private equity firm specializing in mature, middle market, buyouts and growth capital investments.

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SEK 26.25

7D

-3.8%

1Y

30.0%

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US$1.5b

Operates in the online consumer finance industry.

FINV

US$6.03

7D

-2.3%

1Y

17.3%

ORIX

JP¥3.8t

Provides diversified financial services in Japan, the United States, Asia, Europe, Australasia, and the Middle East.

IX

JP¥108.63

7D

-2.1%

1Y

19.6%