OSB Group Plc (OSBGF) Fair Value & Analysis
Financial Services · US · Market cap $2.3B
What is OSB Group Plc really worth?
OSB Group Plc
OSBGF · US
A solid business, trading 50% below our fair value of $13.74.
Strengths
Risks
For context
Fair value as of: Aug 23, 2026
From 9 valuation models · updated 13 days ago
Fair value updated Aug 23, 2026, revised from $14.94 to $13.74 (−8.0%) since Aug 13, 2026. Share price −6.0% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The rarer combination: high quality (70/100) AND below fair value. That earns a closer look rather than a quick verdict.
- The price is below even our cautious bear case ($10.31). The market is more pessimistic than our downside scenario.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 23, 2026.
How to read this chart
60‑month range $2.37 – $7.73 · fair‑value band $10.31 – $18.35 · the $6.87 price screens below the $13.74 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 23, 2026.
Analysis
OSB Group Plc (OSBGF) currently trades at $6.87, while our model-based Fair Value estimate is $13.74, implying the stock looks roughly 50.0% undervalued today. The Quality Score stands at 70/100 (solid quality), in the Financial Services sector. Bull case: the Growth DCF group reads highest at a median of $96.57 per share, and 8 of the 9 models we run sit above the $6.87 price. Bear case: the Asset-Based group reads lowest at $4.36, and 1 of the 9 models stay below the price. Evidence for this calculation is medium.
Over the trailing twelve months, OSB Group Plc generated revenue of $655M at a net margin of 43.6%. Revenue grew 6.3% year over year. It earns a return on equity of 12.6%. The stock trades on a trailing P/E of 6.9. Fundamentals as of Aug 23, 2026
Our scenario range runs from $10.31 (bear case) to $18.35 (bull case); at $6.87, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 11% below its 52-week high and 55% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −19% fair-value upside, at 100%, OSBGF screens cheaper than that median.
Fair Value models
This estimate rests on fiscal year 2025 figures, and about 12 months have passed since. In that time the company retained roughly $0.6370 per share, which is 4.6 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 9 models by family
Widest divergence: Growth DCF ($96.57) versus Asset-Based ($4.36). Highest evidence: Growth DCF (74).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 23, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 64 · Market factors (momentum, volatility) 49
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
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).
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
OSB Group Plc reported revenue of £665M in FY2025 versus £492M in FY2021, a compound +7.8%/yr. Reported net income was £308M in FY2025, compounding +11.9%/yr from FY2021.
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Peer Group
Mortgage Finance · 92 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Mortgage Finance median · lower = cheaper
Strength profile in five axes (Snowflake)
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Mortgage Finance stocks, each showing price versus our Fair Value estimate (as of Aug 23, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Federal Home Loan Mortgage Corporation FMCCT | $15.00 | $30.00 | +100% |
| Rocket Companies, Inc RKT | $13.03 | $8.26 | −37% |
| Federal National Mortgage Association FNMAS | $10.06 | $2.01 | −80% |
| Bajaj Housing Finance Limited BAJAJHFL | ₹84.06 | ₹39.96 | −52% |
| PennyMac Financial Services, Inc PFSI | $70.78 | $125.45 | +77% |
| UWM Holdings UWMC | $1.46 | $0.1600 | −89% |
| PNB Housing Finance Limited PNBHOUSING | ₹1,169 | ₹1,143 | −2% |
| LIC Housing Finance Limited LICHSGFIN | ₹502.00 | ₹1,004 | +100% |
| Aadhar Housing Finance Limited AADHARHFC | ₹471.10 | ₹325.75 | −31% |
| Walker & Dunlop, Inc WD | $39.71 | $32.25 | −19% |
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