YOLFTbeta
OneSavings Bank PLC

OneSavings Bank PLC

OSB · LSE · Financial Services / Mortgage Finance

506.00GBX-7.00 (-1.36%)

Price History

Full chart

Market Stats

Previous Close513.00
Open512.00
Day Range506.00 – 514.00
52-Week Range456.01 – 604.29
Volume233.42K
Market Cap1.67B
P/E (TTM)6.58
Forward P/E6.18
EPS0.75
Dividend Yield7.27%
Beta1.05
50-Day Avg518.63
200-Day Avg548.20

About

OSB Group Plc, through its subsidiaries, operates as a specialist mortgage lending company in the United Kingdom and India. The company operates in two segments, OneSavings Bank (OSB) and Charter Court Financial Services (CCFS). It offers buy-to-let, residential, bridging, and commercial and semi-commercial mortgages; and residential development and asset finance services. The company also provides mortgage servicing, lending, deposit taking, originating, and administration and analytical services; land lease investment; and back-office processing services. It sells its products and services under the Precise, Kent Reliance for Intermediaries, InterBay, InterBay Asset Finance, Heritable Development Finance, Charter Savings Bank, Kent Reliance, and osbIndia brands. The company was founded in 1840 and is headquartered in Chatham, the United Kingdom.

Company Details

  • SectorFinancial Services
  • IndustryMortgage Finance
  • CEOMr. Enrique Alvarez Labiano
  • Employees2.43K
  • HeadquartersOSB House, Chatham, United Kingdom, ME4 4QZ, UK
  • Websitehttps://www.osb.co.uk

Leadership

  • Ms. Victoria Jane Sullivan-HydeCFO & Executive Director · b. 1976
  • Mr. Enrique Alvarez LabianoCEO & Executive Director · b. 1978
  • Mr. Matthew BaillieGroup Chief Operating Officer
  • Ms. Debra BaileyGroup Chief Information Officer
  • Mr. Alastair PateGroup Head of Investor Relations
  • Mr. Jason Stanley Elphick B.Com, LLB, LLMGroup General Counsel & Company Secretary
  • Ms. Orlagh Hunt BA, FCIPDChief People Officer · b. 1973
  • Mr. Richard WilsonGroup Chief Credit Officer
  • Mr. Hasan KazmiGroup Chief Risk Officer
  • Mr. Nicholas HurstHead of Portfolio Credit Risk

Financials

Income Statement

Currency: GBP2011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue52.52M18.43M71.69M126.70M170.40M208.90M239.60M281.70M340.10M708.00M774.80M1.12B1.76B2.09B1.90B
Growth (%)--64.90%+288.87%+76.74%+34.49%+22.59%+14.70%+17.57%+20.73%+108.17%+9.44%+45.15%+56.51%+19.00%-9.24%
Cost of Revenue46.35M78.42M89.38M99.17M113.49M116.10M95.40M129.70M210.80M310.70M159.20M359.40M1.11B1.43B1.23B
Gross Profit6.17M30.11M61.15M94.70M150.19M220.20M235.30M254.30M298.30M397.30M615.60M765.20M651.70M664.90M668.00M
Gross Margin11.74%163.31%85.30%74.74%88.14%105.41%98.21%90.27%87.71%56.12%79.45%68.04%37.03%31.75%35.14%
Operating Expense19.41M22.04M29.73M30.96M44.90M57.10M67.60M71.50M89.20M136.90M151.00M233.70M277.40M246.80M285.50M
Operating Income-13.25M8.07M31.42M63.74M105.30M163.10M167.70M182.80M209.10M260.40M464.60M531.50M374.30M418.10M382.50M
Operating Margin-25.22%43.77%43.82%50.31%61.79%78.08%69.99%64.89%61.48%36.78%59.96%47.26%21.27%19.96%20.12%
EBITDA-13.03M8.35M31.72M64.22M106.12M164.40M169.40M185.00M213.00M268.00M471.20M538.50M382.60M424.40M389.20M
EBITDA Margin-24.80%45.29%44.24%50.68%62.28%78.70%70.70%65.67%62.63%37.85%60.82%47.88%21.74%20.26%20.47%
Net Income-11.11M9.06M26.77M51.54M84.06M120.90M126.90M139.60M158.80M196.30M345.30M410.00M282.60M308.10M285.70M
Net Income Margin-21.16%49.17%37.34%40.68%49.33%57.87%52.96%49.56%46.69%27.73%44.57%36.46%16.06%14.71%15.03%
Interest Expense43.44M73.12M82.05M87.48M102.87M107.10M91.00M121.60M195.20M239.70M159.20M359.40M1.11B1.43B1.24B
Interest Expense % of Total Revenue82.71%396.62%114.45%69.05%60.37%51.27%37.98%43.17%57.39%33.86%20.55%31.96%62.97%68.41%64.99%

Balance Sheet

Currency: GBP2011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-06-302023-12-312024-12-312025-12-31
Total Assets2.36B3.01B3.76B4.94B5.97B6.58B8.59B10.46B21.42B22.65B24.53B27.57B-29.59B30.24B31.12B
Total Liabilities2.27B2.89B3.61B4.69B5.65B6.16B8.01B9.80B20.00B20.98B22.51B25.37B-27.45B28.02B28.99B
Total Equity90.34M115.93M155.18M249.60M319.30M418.40M578.80M658.40M1.42B1.62B2.02B2.20B-2.14B2.22B2.13B
Cash253.00K282.00K267.00K767.61M316.10M485.30M1.17B1.32B2.10B2.37B2.74B3.04B-2.34B3.07B400.00K
Total Debt42.17M42.77M316.60M281.20M251.75M160.60M1.28B1.69B3.49B4.05B4.82B5.38B-4.99B3.96B4.00B
Net Debt41.92M42.48M316.33M-486.41M-64.35M-324.70M110.60M368.20M1.38B1.68B2.08B2.34B-2.79B-3.07B4.00B

Cash Flow

Currency: GBP2011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-17.70M135.27M-266.34M-808.04M-1.11B-909.70M-1.21B-85.80M-536.10M170.20M-461.70M428.50M-40.40M2.24B208.60M
Investing Cash Flow-140.25M-51.78M45.88M202.91M-244.40M381.90M26.00M-45.60M826.60M-1.11B80.60M63.20M-2.41B-29.30M-1.29B
Financing Cash Flow352.73M-73.30M284.87M1.10B943.40M642.60M1.86B289.70M488.10M1.21B747.20M-184.30M1.92B-1.49B652.80M
Capital Expenditure279.00K3.25M1.56M2.98M9.10M7.70M14.00M6.00M11.60M7.50M6.80M11.70M25.80M43.90M32.90M
Free Cash Flow-17.98M132.02M-267.90M-811.02M-1.12B-917.40M-1.22B-91.80M-547.70M162.70M-468.50M416.80M-66.20M2.19B161.40M
Dividends Paid--1.45M1.14M14.34M23.30M27.00M33.20M37.30M86.70M86.70M133.10M185.00M126.40M125.50M
FCF to OCF101.58%97.60%100.59%100.37%100.82%100.85%101.16%106.99%102.16%95.59%101.47%97.27%163.86%98.04%77.37%
Dividend Paid to FCF---0.54%-0.14%-1.28%-2.54%-2.21%-36.17%-6.81%53.29%-18.51%31.93%-279.46%5.77%77.76%

Earnings

Report DateJun 30, 2013Dec 31, 2013Jun 30, 2014Dec 31, 2014Jun 30, 2015Mar 17, 2016Aug 4, 2016Mar 16, 2017Aug 24, 2017Mar 15, 2018Aug 23, 2018Mar 14, 2019Aug 21, 2019Mar 19, 2020Aug 27, 2020Dec 31, 2020Aug 19, 2021Dec 31, 2021Aug 11, 2022Mar 16, 2023Jun 30, 2023Dec 31, 2023Jun 30, 2024Dec 31, 2024Aug 20, 2025Mar 5, 2026Mar 4, 2027
EPS Estimate------0.24-0.230.250.280.300.300.310.20-0.29--0.42-------
EPS Actual0.060.060.090.130.150.190.300.190.240.270.270.280.250.270.150.270.350.400.450.450.130.520.430.330.380.39-
Surprise------25.32%-2.62%5.98%-2.19%-6.43%-16.44%-13.55%-23.42%-21.28%--5.19%-------
Timing-----Pre-market-Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market-Pre-market-Pre-marketPre-market----After-hoursAfter-hoursPre-market

Key Statistics & Ratios

Market Cap1.67B
Enterprise Value2.68B
Trailing P/E6.58
Forward P/E6.18
PEG Ratio0.49
Price / Sales2.55
Price / Book0.76
EPS0.75
Book Value5.90
Revenue (TTM)655.70M
Gross Profit (TTM)655.70M
Profit Margin43.45%
Operating Margin57.69%
Return on Equity12.91%
Return on Assets0.94%
Shares Outstanding338.44M
Shares Float344.03M
Beta1.05
Dividend Yield7.27%
Dividend Rate0.36
Payout Ratio92.91%

Dividends

20262×
0.12Aug 13, 20260.24Apr 2, 2026
20252×
0.11Aug 28, 20250.23Mar 27, 2025
20242×
0.11Aug 22, 20240.22Apr 4, 2024
20232×
0.10Aug 24, 20230.34Mar 23, 2023
20222×
0.09Aug 25, 20220.21Mar 24, 2022
20212×
0.05Aug 26, 20210.14Apr 15, 2021
20201×
0.11Mar 26, 2020
20192×
0.05Aug 29, 20190.10Mar 21, 2019
20182×
0.04Oct 11, 20180.09Mar 22, 2018
20172×
0.04Oct 12, 20170.08Mar 30, 2017
20162×
0.03Oct 13, 20160.07Mar 24, 2016
20152×
0.02Oct 15, 20150.04May 14, 2015