# OSB Group Plc (OSB.L) fundamentals

Data as of 2026-09-08. LSE, United Kingdom. Sector: Financial Services / Thrifts & Mortgage Finance. Price 508p, market value 1.7 billionp.

## Valuation
- **P/E (trailing): 6.8×** (5-yr avg 674.9×, 3-yr avg 702.1×). OSB Group Plc trades at 6.8× trailing earnings, well below its own five-year average of 674.9×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 6.1×, lower than trailing, so analysts expect earnings to grow.
- **Price / sales: 0.9×**. Each dollar of revenue is priced at 0.9×, a low multiple typical of thin-margin businesses or out-of-favour stocks.
- **Price / book: 0.9×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **EV / EBITDA: 7.0×**. Enterprise value is 7.0× operating earnings before depreciation, the multiple that ignores how the company is financed; below 8× is inexpensive for most sectors.
- **Free-cash-flow yield: 2.0%** (5-yr avg 0.4%). Free cash flow equals 2.0% of the market value, above its five-year average of 0.4%, so the shares are cheaper on cash than they have usually been.
- **Earnings yield: 14.8%**. The inverse of the P/E: 14.8% of the price is earned each year.

## Profitability
- **Gross margin: 104.5%**. OSB Group Plc keeps 104.5% of revenue after the direct cost of what it sells, the kind of margin that comes with software, brands or pricing power.
- **Operating margin: 41.0%**. 41.0% of revenue is left after running the business, an exceptional level.
- **Net margin: 14.8%**. 14.8% of each dollar of sales reaches the bottom line.
- **Return on equity: 13.4%**. 13.4% on shareholders' equity is solid.
- **Return on invested capital: 9.7%**. Return on all capital, debt included, is 9.7%.
- **Return on assets: 1.9%**. Each dollar of assets produces 1.9% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): -8.1%** (3-yr 21.4%/yr, 5-yr 21.0%/yr). Revenue fell 8.1% over the last year, against 21.0% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): -2.6%** (3-yr -6.3%/yr, 5-yr 12.0%/yr). Earnings per share fell 2.6%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): -44.0%/yr**. Free cash flow has compounded at -44.0% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 4/9**. 4 of 9 checks pass: mixed.
- **Cash and short-term investments: 400,000p**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 7.05%** (0p per share, trailing). OSB Group Plc yields 7.05%, high enough to check carefully: yields this high often precede a cut.
- **Payout ratio: 44%** (785% of free cash flow). 44% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 1**. 1 straight year of increases.
- **Shareholder yield: 16.7%**. Dividends plus net buybacks return 16.7% of the market value a year.

## Analyst view
- **Analyst consensus: buy** (12 analysts). 12 analysts cover OSB Group Plc; the consensus is buy, with an average price target of 660p (+30% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): -3.4%** (YTD -18.9%, 3-mo 4.0%). The shares are down 3.4% over twelve months including dividends.
- **From 52-week high: -21.6%** (5.9% above the low). Trading 22% below its 52-week high.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 47**. An RSI of 47 is neutral.
- **Beta (1 yr): 1.04** (volatility 25%). Beta of 1.04 against the FTSE All-Share: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=OSB.L · Page: https://foliofundamentals.com/stocks/osb.l

Not investment advice.