1. United Kingdom Stocks

  2. •

    Finance

  3. •

    Major banks
OSB Group PLC

OSB Group PLC

6.05
EUR
0.00
(0.00%)
2.12BMarket Cap
Mar 18Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
0.29
0.51
0.52
0.84
0.97
1.13
1.15
1.08
1.35
1.7
1.55
1.7
1.8
- -
Basic EPS, GAAP
0.11
0.21
0.25
0.49
0.51
0.56
0.54
0.43
0.76
0.91
0.67
0.79
0.77
- -
Free Cash Flow per Basic Share
-1.09
1.18
-0.27
-1.34
-2.12
-0.37
-1.85
-2.94
-0.77
0.93
0.95
5.59
0.57
- -
Dividend per Share
- -
- -
0.04
0.09
0.11
0.13
0.13
- -
0.19
0.3
0.44
0.32
0.34
- -
Book Value per Share
0.63
1.01
1.29
1.69
2.34
2.65
3.13
3.55
4.44
5.04
5.36
5.88
6.35
6.47
Tangible Book Value per Share
0.62
1
1.28
1.67
2.31
2.62
3.06
3.51
4.4
5.01
5.3
5.75
6.17
6.26
Basic Weighted Avg Shares
247
247
330
247
247
248
297
454
456
449
421
392
371
410
Sales/Revenue/Turnover
72
127
170
209
240
282
340
492
616
765
652
665
668
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
1
1
2
3
4
5
8
14
15
13
12
11
16
- -
Net Income, GAAP
27
52
84
121
127
140
159
196
345
410
283
308
286
- -
Effective Tax Rate (%)
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
- -
Profit Margin (%)
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
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
317
281
228
37
26
48
360
483
497
291
1,412
2,010
2,000
2,125
Total Equity
155
250
319
418
579
658
1,477
1,677
2,024
2,201
2,145
2,223
2,297
2,233
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on 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 Common Equity (%)
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
- -

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
371
362
345
Market Capitalization
1,943
2,303
1,829

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
- -
- -
0.79
2025
- -
- -
0.77
2026
- -
- -
- -

Semi-annual Dividends Per Share

GBP

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
0.32
2025
- -
- -
0.34
2026
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Enrique Alvarez Labiano
Full Time Employees
2,489
Sector
Finance
Industry
Major banks
Address
OSB House Chatham United Kingdom ME4 4QZ
IPO Date
Jun 5, 2014
Website
osb.co.uk
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.