1. United Kingdom Stocks

  2. •

    Finance

  3. •

    Major banks
OSB Group PLC

OSB Group PLC

480.00
GBX
-1.00
(-0.21%)
176.18BMarket Cap
Mar 18Next Earn
OSB Group PLC
LSE:OSB
(London Stock Exchange)

Recent

price

480.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
GBP
- -
0.08
0.29
0.52
0.7
0.86
0.99
1.15
1.17
1.1
1.37
1.73
1.57
1.72
1.83
- -
Revenue per Share
- -
0.04
0.11
0.21
0.35
0.5
0.52
0.57
0.54
0.44
0.77
0.93
0.68
0.8
0.78
- -
Basic EPS, GAAP
- -
0.54
-1.11
1.2
-0.36
-1.36
-2.16
-0.38
-1.88
-2.99
-0.79
0.94
0.96
5.68
0.58
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
0.06
0.1
0.11
0.14
0.13
- -
0.19
0.3
0.45
0.33
0.34
- -
Dividend per Share
0.37
0.48
0.64
1.03
1.31
1.72
2.38
2.69
3.18
3.61
4.52
5.13
5.46
5.98
6.46
6.58
Book Value per Share
0.37
0.47
0.63
1.02
1.3
1.7
2.35
2.66
3.11
3.57
4.48
5.1
5.39
5.85
6.27
6.37
Tangible Book Value per Share
243
243
243
243
243
243
243
244
292
446
448
442
414
386
365
356
Basic Weighted Avg Shares
- -
18
72
127
170
209
240
282
340
492
616
765
652
665
668
- -
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
- -
1
1
2
3
4
5
8
14
15
13
12
11
16
- -
Depreciation Expense
- -
9
27
52
84
121
127
140
159
196
345
410
283
308
286
- -
Net Income, GAAP
- -
- -
14.79
19.15
20.13
25.87
24.33
23.63
24.06
24.62
25.68
22.86
24.5
26.31
25.31
- -
Effective Tax Rate (%)
- -
49.17
37.34
40.68
49.35
57.87
52.96
49.56
46.69
39.93
56.09
53.58
43.36
46.34
42.77
- -
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
42
43
317
281
228
37
26
48
360
483
497
291
1,412
2,010
2,000
2,125
LT Debt
90
116
155
250
319
418
579
658
1,477
1,677
2,024
2,201
2,145
2,223
2,297
2,233
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
8.49
10.28
15.6
24.11
23.94
21.28
12.48
9.82
14.75
16.36
9.34
7.91
6.7
- -
Return on Capital (%)
- -
8.79
19.75
25.46
29.57
32.78
25.45
22.57
15.3
12.94
18.97
19.41
13.01
14.11
12.64
- -
Return on Common Equity (%)

Capital Structure

GBP

•

in mil. unless spec.
Jun'25
Dec'25
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
365
355
339
Market Capitalization
1,906
2,266
1,762

Working Capital

GBP

•

in mil. unless spec.
Jun'25
Dec'25
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
2,781
2,656
1,111
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

GBP

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
25.48%
6.77%
3.3%
Free Cash Flow
95.37%
12.53%
-90.39%
Net Income, GAAP
16.14%
13.06%
-7.27%
Sales/Revenue/Turnover
15.73%
7.44%
0.47%
Total Cash Common Dividend
- -
- -
-0.71%

Semi-annual Revenue

GBP

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
665
2025
- -
- -
668
2026
- -
- -
- -

Semi-annual Earnings Per Share

GBP

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
0.8
2025
- -
- -
0.78
2026
- -
- -
- -

Semi-annual Dividends Per Share

GBP

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
0.33
2025
- -
- -
0.34
2026
- -
- -
- -
Similar Companies
HDFC Bank Limited (NSE:HDFCBANK)
Bank of America Corporation (NYSE:BAC)
JP Morgan Chase & Co. (NYSE:JPM)
Axis Bank Limited (NSE:AXISBANK)
Kotak Mahindra Bank Limited (NSE:KOTAKBANK)
Banco Santander, S.A. (BME:SAN)
Business
OSB Group Plc is a leading UK specialist lender focused on selected sub-segments of the mortgage market including buy-to-let, residential, commercial and semi-commercial, bridging, development finance and asset finance; it operates through brands such as Rely for specialist buy-to-let lending, Precise Mortgages for buy-to-let, residential and bridging solutions serving customers underserved by mainstream lenders like the self-employed or those with adverse credit, Kent Reliance for Intermediaries offering flexible buy-to-let for personal and limited company ownership alongside residential mortgages for non-standard income and shared ownership, InterBay for commercial, semi-commercial, buy-to-let, bridging and developer exit finance, InterBay Asset Finance providing hire purchase, leasing and refinancing for UK SMEs, Heritable Development Finance funding new builds, conversions and refurbishments for experienced developers, Charter Savings Bank delivering online and postal savings accounts, Cash ISAs and bonds, and Kent Reliance offering branch-based, postal and online savings products. The group, founded in 1840 and headquartered in Chatham, Kent, primarily serves UK intermediaries and customers through its lending and savings franchises, with operations supported by a subsidiary in India for back-office functions including IT, risk and compliance; its lending is funded by retail deposits from Kent Reliance and Charter Savings Bank, mortgage-backed securities and Bank of England schemes. Recent developments include the launch of the Rely buy-to-let brand with a new mortgage technology platform for faster data-led underwriting, acquisition of a £55 million UK residential mortgage portfolio from Arbuthnot Banking Group at a discount to bolster organic growth, a multi-year partnership with fintech Paylink Solutions to enhance customer affordability assessments, rate reductions and product expansions across Precise Mortgages residential and bridging ranges including up to 95% LTV and 6x loan-to-income, InterBay commercial offerings with joint legal representation and owner-occupier products, Kent Reliance shared ownership and HMO expansions up to 20 units, alongside senior hires such as Group Customer & Consumer Duty Director and office-based BDM teams.