profit from every £100 of sales.
£0£100
OSB Group
£5.06-1.36% today
-6.1% in 1 year
1-year low £4.741-year high £6.44
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay £5.90 for every £1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What OSB Group sold, what it kept, and what it did with the cash.
Sales went from £765 million in 2022 to £668 million in 2025, with £286 million of profit last year.
SalesProfit
OSB Group handed back more cash to shareholders than it generated last year.
Buybacks £89M£126M
Free cash flow 2025£211M
Bought back its own shares£89M
Paid as dividends£126M
Cash vs. debt£2.7B vs. £2.0B
OSB Group vs. similar companies
OSB Group grows the slowest of these 5 and is priced in the middle for its profits.
| Company | Profit from £100 of sales | Sales growth a year | Price per £1 of profit |
|---|---|---|---|
| OSB Group | 5.9× · Cheap | ||
 Rocket Companies | No profit yet | ||
 LIC Housing Finance | 5.7× · Cheap | ||
 PennyMac Financial Services | 6.3× · Cheap | ||
 PNB Housing Finance | 12.7× · Cheap |
AI analysis
An AI analyst reads OSB Group's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of GBP | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 765 | 652 | 665 | 668 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 410 | 283 | 308 | 286 | |
| 0.90 | 0.65 | 0.76 | 0.74 | |
| – | – | – | – | |
| – | – | – | – | |
| 53.6% | 43.4% | 46.3% | 42.8% |
Balance sheet
| In millions of GBP | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 27,567 | 29,590 | 30,244 | 31,123 |
| Cash | 2,880 | 2,344 | 3,073 | 2,656 |
| Total debt | 291 | 1,412 | 2,010 | 2,000 |
| Total liabilities | 25,366 | 27,445 | 28,020 | 28,826 |
| 2,201 | 2,145 | 2,223 | 2,297 | |
| 447 | 421 | 395 | 374 | |
| – | – | – | – | |
| 18.6% | 13.2% | 13.9% | 12.4% |
Cash flow
| In millions of GBP | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 429 | 425 | 2,236 | 244 | |
| 12 | 26 | 44 | 33 | |
| 417 | 399 | 2,192 | 211 | |
| Dividends paid | 133 | 185 | 126 | 126 |
| 102 | 152 | 91 | 89 | |
| 8 | 6 | 6 | 7 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 5.9×
- –
- –
- 0.7×
- 2.5×
- 16.9%
- 7.4%
Profitability
- 42.8%
- –
- –
- –
- –
Growth
- −4.4%
- −6.4%
- –
- −5.7%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 10%of 883
Bottom 15%of 880
Top 17%of 929
7.4%of the share price, paid each year
On $1,000 invested$74a year at today's yield, before tax
–per share
Raised–not every year
How safe it looks
43.9% of its profit
Room to growStretchedMore than it earns: 59.6%
News
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Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
Not enough data
Questions about OSB Group
Is OSB Group a good stock to buy?
A strong, very profitable business, and the price looks low. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the OSB Group AI analysis
What does OSB Group do?
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 is in Mortgage Finance, based in Chatham, United Kingdom, with 2,489 employees.
Does OSB Group pay a dividend?
Yes. At today's price the dividend is 7.4% a year, about 44% of its yearly profit. In 2025 it paid out £126 million in dividends.
Is OSB Group stock halal?
No. OSB Group does not pass our halal screen: its main business, an impermissible business, is not permitted. How we check
How has OSB Group stock done over the past year?
Down 6.1% over the past twelve months, to £5.06. It traded between £4.74 and £6.44 and is 21.4% below its high.
Who are OSB Group's competitors?
The largest listed companies in the same industry are Rocket Companies, LIC Housing Finance, PennyMac Financial Services and PNB Housing Finance. The peers table on this page compares their profit, growth and price with OSB Group's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.