OSB.L | Ticker Profile - Titan Protect

OSB.L

OSB Group Plc

Financial Services · Mortgage Finance · LSE

$502.00

Data: 2026-05-28

✗ ETHICAL FAIL

Unknown MOAT

HIGH

Data Confidence: 100.0%

Key Metrics

How this company measures up on the fundamentals that matter

Market Cap

$1.8B

Total market value of the company

Trailing P/E

6.97

Very cheap relative to earnings

Forward P/E

5.76

Based on estimated future earnings — lower means cheaper

Rev Growth

+6.3%

Year-over-year revenue change

Profit Margin

43.6%

How much profit the company keeps from each dollar of revenue

ROE

12.6%

Return on equity — how efficiently it uses shareholder money

Analyst Target

$690.00

+37% from current price — median analyst estimate

Recommendation

BUY

Consensus view from 12 analysts covering this stock

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.

https://www.osb.co.uk

Country: United Kingdom Employees: 2,489 Industry: Mortgage Finance

Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity

FAIL

Core business does not involve prohibited activities

Debt Ratio

0.0% N/A

Debt must be below 33% of total assets

Cash Ratio

0.0% N/A

Interest-bearing cash below 33% of assets

Receivables

0.0% N/A

Receivables below 49% of assets

Revenue Purity

0.0% N/A

Non-compliant revenue below 5% — any excess requires purification

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

Regime

DISTRIBUTION

Smart money appears to be selling into strength — caution

Sharpe Ratio

0.340

Positive but modest risk-adjusted returns

Kelly Fraction

0.0127

Marginal edge — very small allocation suggested

Calmar Ratio

0.167

Drawdown risk outweighs the returns — higher risk profile

Annual Return

5.7%

Historical annualised return based on price data

Max Drawdown

-34.4%

Largest peak-to-trough decline — the worst it has been

HMM State

SIDEWAYS

Price consolidating — no clear directional bias

Days in State

267

How long the current regime has persisted — longer means more stable

Market Data

Trading characteristics and market positioning

Beta

1.05

Moves slightly more than the broader market

52W High

$647.50

22% below the year high

52W Low

$479.00

5% above the year low

Avg Volume

1,360,066

Average daily shares traded — higher means easier to buy and sell

Short Ratio

N/A

Days it would take all short sellers to cover — higher means more crowded

Short % Float

N/A

Div Yield

681.0%

Annual dividend as a percentage of the share price

EPS (TTM)

$0.74

Earnings per share over the last 12 months

Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Like current ratio but excludes inventory — stricter test

Gross Margin

0.0%

Revenue left after cost of goods — higher means pricing power

Operating Margin

64.8%

Profit from core operations before interest and tax

Free Cash Flow

N/A

Negative — the business is spending more than it generates

Revenue (TTM)

$655M

Total revenue over the last 12 months

Net Income

$276M

Profitable — the bottom line is positive

Analyst Coverage

Analysts

Target High

$800.00

Target Median

$690.00

Target Low

$564.00

Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-05-28

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