Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
OSB Group Plc is a UK-listed specialist bank and financial services holding company with over 150 years of heritage, tracing its roots to the Kent Reliance Building Society founded to promote homeownership and community support. It primarily serves underserved segments of the mortgage market through diverse brands like Kent Reliance, Charter Savings Bank, Precise Mortgages, InterBay, and the newer Rely brand for buy-to-let lending, alongside savings products and personal loans in the UK, Jersey, and Guernsey. The Group's lending portfolio, totaling £25.8 billion in statutory loans to customers as of 2023, is funded mainly by £22.1 billion in retail deposits, supplemented by high-quality residential mortgage-backed securities worth £11.4 billion since 2013 and Bank of England schemes. Notable features include complementary underwriting platforms for bespoke manual assessments and automated processing, strong broker relationships, in-house credit expertise, and operational support from OSB India, achieving high Net Promoter Scores. Headquartered in Chatham, Kent, OSB Group Plc emphasizes stewardship, exceptional service, and sustainability, positioning it as a key player in specialist mortgage finance with gross new lending of £4.7 billion in 2023.
£5.44
+£0.03 (+0.55%)
EOD Jul 3, 2026
42.77% net margin is above average for a financial institution, suggesting strong underwriting or fee income alongside controlled credit costs.
Revenue growth slowed to 0.5%, essentially flat. This is a business that needs a catalyst.
Financial stocks carry unique risks (credit cycles, regulatory changes, interest rate sensitivity) that aren't captured by standard quality metrics.
7.4x earnings. Below the sector average, the market may be pricing in credit losses or regulatory headwinds, or there's genuine value here.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
£668M
▲ +0.5% YoY
Net Income (TTM)
£286M
▼ -7.3% YoY
Net Margin
42.77%
P/E
7.4x
Balance Sheet
Total Assets
£31.12B
Equity
£2.30B
Total Debt
£2.00B
Cash & Equiv.
£2.66B
3Y CAGR: -4.4%
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At a P/E of 7.4 and a price-to-free-cash-flow of 9.4, OSB Group (OSB.XLON) trades below a two-stage DCF intrinsic value of about £11.82 per share, so at £5.44 the stock looks undervalued (117.2% below estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, OSB Group scores 64/100 on Intrinsiqq's quality scorecard (a solid business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 6.3%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about £11.82 per share for OSB.XLON, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around £8.86. At today's £5.44, that puts the stock about 117.2% below estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
OSB Group scores 64 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a solid business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Yes, OSB Group pays a regular dividend of about £0.34 per share per year (typically in quarterly installments), a yield of roughly 6.3% at the current price. That is a payout ratio of about 43.9% of earnings, so the dividend is well covered. OSB Group has grown the dividend at roughly 9.7% a year over the past few years. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For OSB.XLON's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. OSB.XLON currently trades below its estimated intrinsic value and scores 64/100 on quality (solid). It also yields about 6.3%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.