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OneSavings Bank PLC

Financial Services GB OSB

501.0GBX
-5.0(0.99%)

Last update at 2026-06-03T15:43:00Z

Day Range

500.50512.00
LowHigh

52 Week Range

380.06618.60
LowHigh

Fundamentals

  • Previous Close 506.00
  • Market Cap1899.11M
  • Volume738263
  • P/E Ratio7.30
  • Dividend Yield6.51%
  • Revenue TTM655.00M
  • Revenue Per Share TTM1.80
  • Gross Profit TTM 655.00M
  • Diluted EPS TTM0.74

Source: TradingView
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Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 382.50M 418.10M 374.30M 531.50M 464.60M
Minority interest - - - - -
Net income 285.70M 308.10M 282.60M 410.00M 345.30M
Selling general administrative 105.60M 97.90M 94.70M 80.60M 55.70M
Selling and marketing expenses - 5.00M 5.80M 4.50M 4.00M
Gross profit 677.10M 664.90M 651.70M 757.10M 615.60M
Reconciled depreciation 15.90M 11.30M 11.90M 13.40M 14.50M
Ebit - 406.40M 374.30M 890.90M 464.60M
Ebitda 382.50M - 386.20M 904.30M 479.10M
Depreciation and amortization - 11.30M 11.90M 13.40M 14.50M
Non operating income net other - - - - -
Operating income 382.50M 406.40M 374.30M 890.90M 464.60M
Other operating expenses 1543.00M 1676.40M 232.90M 199.00M 153.50M
Interest expense 1235.40M 1429.60M 1108.40M 359.40M 159.20M
Tax provision 96.80M 110.00M 91.70M 121.50M 119.30M
Interest income 1913.10M 2096.90M 1767.90M 1069.90M 903.60M
Net interest income 680.10M 667.30M 659.50M 710.50M 587.60M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 96.80M 110.00M 91.70M 121.50M 119.30M
Total revenue 1925.50M 2094.50M 609.60M 757.10M 615.60M
Total operating expenses 294.60M 246.80M 277.40M 199.00M 153.50M
Cost of revenue 1248.40M 1429.60M -1161.30000M - -
Total other income expense net - 11.70M -2.40000M -359.40000M -159.20000M
Discontinued operations - - - - -
Net income from continuing ops 285.70M 308.10M 282.60M 410.00M 345.30M
Net income applicable to common shares - - - 401.00M 340.60M
Preferred stock and other adjustments - - - - -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2023-06-30 2022-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2023-06-30 2022-12-31
Total assets 31122.70M 30243.60M 29589.80M - 27566.70M
Intangible assets 66.90M 48.80M 26.10M - 12.00M
Earning assets - - - - -
Other current assets -1.70000M 16.10M 170.40M - 416.10M
Total liab 28993.10M 28020.20M 27445.30M - 25365.70M
Total stockholder equity 2129.60M 2223.40M 2144.50M - 2201.00M
Deferred long term liab - - - - 2.50M
Other current liab - 22099.90M 22100.10M - 16.30M
Common stock 3.60M 3.70M 3.90M - 4.30M
Capital stock 3.60M 3.70M 3.90M - 4.30M
Retained earnings 3457.00M 3406.40M 3330.20M - 3389.40M
Other liab - - - - 17.10M
Good will - - - - -
Other assets - -1600.90000M - - 23884.50M
Cash 0.40M 3073.40M 2343.60M - 2879.90M
Cash and equivalents - - - - -
Total current liabilities 62.00M 24085.20M 22255.60M - 20468.40M
Current deferred revenue - - 0.40M - -
Net debt 4004.60M -3073.40000M 2793.30M - -2588.80000M
Short term debt 62.00M 1985.30M 155.50M - -
Short long term debt - - - - -
Short long term debt total 4005.00M 3955.10M 4986.90M - 291.10M
Other stockholder equity 5.10M 4.40M 2.80M - -1192.70000M
Property plant equipment - - - - 40.90M
Total current assets 0.40M 3247.50M 2514.00M - 2879.90M
Long term investments 2001.00M 1568.90M 908.80M - 749.40M
Net tangible assets - - - - 2191.50M
Short term investments - 158.00M 170.40M - -
Net receivables 1.70M - - - 1.70M
Long term debt - - - - -
Inventory - - - - -
Accounts payable - - 0.00000M - 19868.90M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -1337.00000M -1191.20000M -1192.40000M - -
Additional paid in capital - - - - -
Common stock total equity - - - - -
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other 147.80M 26924.70M 26718.80M - -802.30000M
Deferred long term asset charges - - - - -
Non current assets total 31122.30M 28597.00M 27075.80M - 802.30M
Capital lease obligations - - - - -
Long term debt total - - - - -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -374.70000M -29.30000M -301.20000M 63.20M 79.50M
Change to liabilities - - - 0.00000M 0.00000M
Total cashflows from investing activities -1279.80000M -29.30000M -2411.80000M 63.20M 80.60M
Net borrowings 65.20M -980.30000M -101.70000M 103.40M 761.30M
Total cash from financing activities 652.80M -1489.00000M 1922.10M -184.30000M 747.20M
Change to operating activities - - - -2269.90000M -1741.20000M
Net income 275.60M 418.10M 282.60M 531.50M 464.60M
Change in cash -432.70000M 717.40M -530.10000M 307.40M 366.10M
Begin period cash flow 3231.40M 2514.00M 3044.10M 2736.70M 2370.60M
End period cash flow 2798.70M 3231.40M 2514.00M 3044.10M 2736.70M
Total cash from operating activities 194.30M 2235.70M -40.40000M 428.50M -461.70000M
Issuance of capital stock 1.40M 0.80M 1.40M 1.70M 0.80M
Depreciation 15.90M 11.30M 11.90M 13.40M 14.50M
Other cashflows from investing activities -1247.30000M 36.70M -2088.00000M 7.70M 1.90M
Dividends paid 125.50M 126.40M 185.00M 133.10M 86.70M
Change to inventory - - - - -
Change to account receivables - - - - -
Sale purchase of stock -89.40000M -90.60000M -152.40000M -102.00000M 5043.60M
Other cashflows from financing activities 867.70M -292.50000M 2359.80M 373.30M 84.90M
Change to netincome - - - 29.00M -22.50000M
Capital expenditures 32.90M 43.90M 25.80M 11.70M 6.80M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital -161.30000M 1691.00M -422.30000M -24.20000M -799.00000M
Stock based compensation 6.90M 6.30M 5.60M 8.10M 6.70M
Other non cash items 80.00M 109.00M 81.80M -100.30000M 9.60M
Free cash flow 161.40M 2191.80M -66.20000M 416.80M -468.50000M

Peer Comparison

Sector: Financial Services Industry: Mortgage Finance

Company Change (GBX) Price (GBX) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x)
OSB
OneSavings Bank PLC
-5.0 0.99% 501.00 7.30 6.60 2.90 0.79 5.69
PAG
Paragon Banking Group PLC
3.50 0.48% 738.00 8.84 6.69 2.84 0.96 3.81
MAB1
Mortgage Advice
7.00 1.39% 511.00 22.31 10.87 1.06 4.45 1.07 9.69
LINV
Lendinvest PLC
-0.5 1.98% 24.70 27.00 9.68 0.79 0.52 8.46 26.75

Reports Covered

Stock Research & News

Profile

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.

OneSavings Bank PLC

OSB House, Chatham, United Kingdom, ME4 4QZ

Key Executives

Name Title Year Born
Mr. Andrew John Golding Group CEO & Director 1969
Ms. April Carolyn Talintyre CFO & Director 1965
Mr. Clive Kornitzer Group Chief Operating Officer NA
Mr. John A. Gaunt BSc (Hons) Group Chief Information Officer 1969
Alastair Pate Group Head of Investor Relations and Head of Marketing & Communications NA
Mr. Richard Wilson Group Chief Credit & Compliance Officer NA
Mr. Jason Elphick B.Com, LLB, LLM Group Gen. Counsel & Company Sec. NA
Mr. Hasan Kazmi Group Chief Risk Officer NA
Ms. Lisa Odendaal Chief Internal Auditor NA
Mr. Neil Richardson ESG Sustainability Director NA

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