OSB.L
OSB Group Plc
Financial Services · Mortgage Finance · LSE
$515.50
Close 2026-05-28
✗ ETHICAL FAIL

UNKNOWN MOAT
HIGH
Data Confidence: 100%
Full financial profile available
Market Cap
$1.8B
Trailing P/E
6.97
Forward P/E
5.76
Rev Growth
+6.3%
Profit Margin
43.6%
ROE
12.6%
Analyst Target
$690.00
Recommendation
BUY
About OSB Group Plc

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.

Ethical Screen
Business ActivityFAIL
Debt RatioN/A
Cash RatioN/A
Receivables RatioN/A
Revenue RatioN/A
OverallFAIL
Score Ethical: 50.0
Score Valuation: 78.5
Score Quality: 67.2
Score Combined: 56.9

Full Analysis

Opportunity scores, earnings history, insider transactions, institutional holders, analyst consensus, and more.

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Opportunity Scores
Valuation100.0
Quality71.8
Cash Flow50.0
Moat40.0
Balance Sheet50.0
Debt Purity50.0
Liquid Purity50.0
Rev Purity50.0
Compliance100.0
Tier: BRONZE · Score: 53.6 · Rank: #1103
Insider Transactions
No insider transaction data.
Top Institutional Holders
No institutional holder data.
Additional Fundamentals
Enterprise Value
$2.4B
Price/Book
0.86
Beta
1.052
Analysts
12
Total Revenue (TTM)
$655.0M
Total Debt
$4.0B
Earnings Growth
+15.4%
Dividend Yield
681.0%
Rec. Mean
1.75
Employees
2,489

Elite Intelligence

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Trade Consideration
The Opportunity
Score 56.9 (P90 — top 10.2% of scored tickers). Unknown Moat. Ethical FAIL. 12 analysts at Buy.
Price: $515.50 | Target: $678.00 (+32%)
Score
57
Moat
Unknown
Conviction
Standard
Upside
+32%
The Fundamentals
Revenue Growth+6.3%
Profit Margin43.6%
ROE12.6%
Forward P/E5.8
Market Cap$1.8B
Position Sizing Scenarios
Stop: $438.18 (-15%) | Entry: $515.50
SharesCostProfit to TargetR:R
To Consensus ($678.00, 12 analysts)
10$5,155.00+$1,625.00 (32%)2.1R
50$25,775.00+$8,125.00 (32%)2.1R
100$51,550.00+$16,250.00 (32%)2.1R
Risk Factors
  • No elevated risk flags in current data
The Verdict
OSB Group Plc holds a unknown competitive moat.
Quantitative Grade

A single score combining all analytical layers below. A is strongest, D is weakest.

C
Quant Score
46.5
Risk Grade
LOW_RISK
Layers
7
Risk Profile

How much could this ticker lose on a bad day? These metrics measure worst-case scenarios from historical data.

VaR 95%
-3.1%
worst expected daily loss, 19 in 20 days
CVaR 95%
-4.9%
avg loss on the worst 5% of days
Annual Volatility
Sortino Ratio
0.19
above 1.0 is good
Max Drawdown
-34.4%
Worst Day
Forward Outlook

Based on 10,000 simulated price paths, here is the probability of where this ticker could be in 30, 60, and 90 days.

30d Prob Up
90d Prob Up
Median Return 30d
Liquidity Score
75
Liquidity Grade
LIQUID
Trend & Momentum

What direction is this ticker actually moving, filtered through noise? Is it speeding up or slowing down?

Kalman Trend
Trend Strength
Momentum Signal
HMM Regime
RSI Signal
Technical Signals

Classic chart signals that institutional traders monitor. Golden Cross is bullish, Death Cross is bearish.

MA Crossover
DEATH_CROSS
Bollinger Position
UPPER_HALF
Beta
Relative Volume
1.5x
Short Interest
Financial Health

Is this company financially sound? The Z-Score measures bankruptcy risk. The F-Score measures fundamental strength.

Altman Z-Score
below 1.81 = distress zone
Piotroski F-Score
Earnings Beat Rate
Earnings Consistency
Correlations

These tickers tend to move together (positive) or in opposite directions (negative). Useful for portfolio diversification.

Most Correlated
TickerCorrelation
PAG.L0.577
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CTY.L0.475
Inverse Correlated
TickerCorrelation
BAES.L-0.234
SUNC-0.222
CURR-0.151
BNO-0.145
USO-0.142
Seasonality

Does this ticker have consistent patterns on certain days or months? Historical tendencies, not guarantees.

Best Day
Wednesday
Worst Day
Thursday
Best Month
Jul
Worst Month
Aug
Fri-Mon Effect
-0.1477380374859254
Momentum Rankings

How does this ticker's recent performance compare to the entire universe? Ranked across 1, 3, 6, and 12-month returns.

1M Return
-3.2%
3M Return
-13.8%
6M Return
-5.8%
12M Return
+5.3%
Momentum Rank
#3453
Momentum Signal
DOWN

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