0R15 9500.0 8.5591% 0R1E 8100.0 -0.369% 0M69 18963.0605 50.62% 0R2V 229.51 -0.8596% 0QYR 1247.5 0.2411% 0QYP 416.0 -4.6964% 0RUK None None% 0RYA 1412.0 -3.2877% 0RIH 179.15 0.0% 0RIH 173.0 -3.4329% 0R1O 190.29 9696.139% 0R1O None None% 0QFP 10949.8799 117.2595% 0M2Z None None% 0VSO 34.82 -2.2047% 0R1I None None% 0QZI 599.0 0.0% 0QZ0 220.0 0.0% 0NZF None None% 0YXG 176.0 -0.6379%

OneSavings Bank PLC

Financial Services GB OSB

353.8GBP
-13.4(3.65%)

Last update at 2024-10-31T16:35:00Z

Day Range

353.80372.20
LowHigh

52 Week Range

277.20523.79
LowHigh

Fundamentals

  • Previous Close 367.20
  • Market Cap1784.76M
  • Volume1612098
  • P/E Ratio7.98
  • Dividend Yield7.04%
  • Revenue TTM570.80M
  • Revenue Per Share TTM1.32
  • Gross Profit TTM 744.70M
  • Diluted EPS TTM0.57

Financials

Income Statement

Balancesheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 531.50M 464.60M 260.40M 209.10M 183.80M
Minority interest - - 60.00M 60.00M 60.00M
Net income 410.00M 345.30M 196.30M 158.80M 140.30M
Selling general administrative 80.60M 55.70M 55.40M 44.70M 20.80M
Selling and marketing expenses 4.50M 4.00M 5.10M 4.00M 3.20M
Gross profit 757.10M 615.60M 491.60M 340.20M 274.00M
Reconciled depreciation 13.40M 14.50M 13.80M 8.20M 4.70M
Ebit 890.90M 464.60M 260.40M 209.10M 312.20M
Ebitda 904.30M 479.10M 274.20M 217.30M 316.90M
Depreciation and amortization 13.40M 14.50M 13.80M 8.20M 4.70M
Non operating income net other - - - - -
Operating income 890.90M 464.60M 260.40M 209.10M 193.60M
Other operating expenses 199.00M 153.50M 143.40M 114.10M 0.80M
Interest expense 359.40M 159.20M 239.70M 195.20M 128.40M
Tax provision 121.50M 119.30M 64.10M 50.30M 43.50M
Interest income 1069.90M 903.60M 867.00M 577.50M 416.00M
Net interest income 710.50M 587.60M 472.20M 356.10M 295.70M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 121.50M 119.30M 64.10M 50.30M 43.50M
Total revenue 757.10M 615.60M 491.60M 340.20M 282.70M
Total operating expenses 199.00M 153.50M 143.40M 114.10M 81.00M
Cost of revenue - - - - 0.00000M
Total other income expense net -359.40000M -159.20000M -239.70000M -195.20000M -9.80000M
Discontinued operations - - - - -
Net income from continuing ops 410.00M 345.30M 196.30M 158.80M 140.30M
Net income applicable to common shares 401.00M 340.60M 190.80M 153.30M 135.60M
Preferred stock and other adjustments - - - - -
Breakdown 2023-06-30 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Type yearly yearly yearly yearly yearly
Date 2023-06-30 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Total assets - 27566.70M 24531.90M 22654.50M 21417.10M
Intangible assets - 12.00M 18.40M 20.60M 31.40M
Earning assets - - - - -
Other current assets - 416.10M 21277.00M 19402.20M 18591.60M
Total liab - 25365.70M 496.50M 481.70M 357.80M
Total stockholder equity - 2201.00M 2024.40M 1616.90M 1477.00M
Deferred long term liab - 2.50M 3.10M 2.20M 0.50M
Other current liab - 16.30M 7.40M 8.10M 53.30M
Common stock - 4.30M 4.50M 1359.80M 4.50M
Capital stock - 4.30M 4.50M 1359.80M 4.50M
Retained earnings - 3389.40M 3215.10M 1608.60M 553.20M
Other liab - 17.10M 41.80M 50.10M 64.70M
Good will - - - - -
Other assets - 23884.50M 21277.00M 19402.20M 18591.60M
Cash - 2879.90M 2563.30M 2316.30M 1968.90M
Cash and equivalents - - - - -
Total current liabilities - 20468.40M 17651.10M 16877.50M 16532.50M
Current deferred revenue - - - - -
Net debt - -2588.80000M -2066.80000M -1834.60000M -1611.10000M
Short term debt - - - - 466.50M
Short long term debt - - - - 466.50M
Short long term debt total - 291.10M 496.50M 481.70M 357.80M
Other stockholder equity - -1192.70000M -1195.20000M -1351.50000M 919.30M
Property plant equipment - 40.90M 35.10M 39.20M 41.60M
Total current assets - 2879.90M 2563.30M 2316.30M 1968.90M
Long term investments - 749.40M 638.10M 876.20M 783.60M
Net tangible assets - 2191.50M 2009.10M 1598.50M 1386.10M
Short term investments - - - - -
Net receivables - 1.70M - 8.40M -
Long term debt - - - - 2936.60M
Inventory - - - - -
Accounts payable - 19868.90M 17619.00M 16676.00M 16284.70M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income - - - -11.20000M -8.80000M
Additional paid in capital - - - - -
Common stock total equity - - - 1359.80M 4.50M
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other - -802.30000M -691.60000M -936.00000M -856.60000M
Deferred long term asset charges - - - - -
Non current assets total - 802.30M 691.60M 936.00M 856.60M
Capital lease obligations - - - - -
Long term debt total - - - - -
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments 63.20M 79.50M 216.40M -32.20000M -40.00000M
Change to liabilities 0.00000M 0.00000M 0.00000M 0.00000M 0.00000M
Total cashflows from investing activities 63.20M 80.60M 755.80M 826.60M -45.60000M
Net borrowings 103.40M 761.30M 885.60M 533.10M 330.60M
Total cash from financing activities -184.30000M 747.20M 838.30M 488.10M 289.00M
Change to operating activities -2269.90000M -1741.20000M -1928.50000M -2330.40000M -265.80000M
Net income 531.50M 464.60M 260.40M 209.10M 183.80M
Change in cash 307.40M 366.10M 267.80M 778.60M 158.30M
Begin period cash flow 2736.70M 2370.60M 2102.80M 1324.20M 1165.90M
End period cash flow 3044.10M 2736.70M 2370.60M 2102.80M 1324.20M
Total cash from operating activities 428.50M -461.70000M -1326.30000M -536.10000M -85.10000M
Issuance of capital stock 1.70M 0.80M 2.60M 0.40M 0.40M
Depreciation 13.40M 14.50M 13.80M 8.20M 4.70M
Other cashflows from investing activities 7.70M 1.90M 7.00M 7.00M 7.00M
Dividends paid 133.10M 86.70M 86.70M 37.30M 33.20M
Change to inventory - - - - -
Change to account receivables - - - - -
Sale purchase of stock -102.00000M 5043.60M - - -
Other cashflows from financing activities 373.30M 84.90M 1939.30M 863.50M 321.90M
Change to netincome 29.00M -22.50000M 0.80M 8.70M 35.70M
Capital expenditures 11.70M 6.80M 7.50M 11.60M 6.00M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital -24.20000M -799.00000M -1537.20000M -711.80000M -262.10000M
Stock based compensation 8.10M 6.70M 5.10M 4.00M 2.50M
Other non cash items -100.30000M 9.60M 9.60M -0.60000M -14.00000M
Free cash flow 416.80M -468.50000M -1333.80000M -547.70000M -91.10000M

Peer Comparison

Sector: Financial Services Industry: Mortgage Finance

Company Change (GBP) Price (GBP) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x)
OSB
OneSavings Bank PLC
-13.4 3.65% 353.80 7.98 4.43 3.15 0.90
PAG
Paragon Banking Group PLC
-14.0 2.00% 686.00 10.45 7.71 3.82 1.07 31.89
MAB1
Mortgage Advice
-8.0 1.00% 794.00 42.11 23.31 1.83 6.61 1.86 19.43
LINV
Lendinvest PLC
-1.0 3.85% 25.00 3.38 9.68 0.78 0.48 13.65 71.54

Reports Covered

Stock Research & News

Profile

OSB Group Plc, through its subsidiaries, operates as a specialist mortgage lending and retail savings company in the United Kingdom and the Channel Islands. It provides private rented sector related buy-to-let, commercial and semi-commercial mortgages, residential development finance, secured funding, bridging, and asset finance services. The company also provides buy-to-let and specialist residential mortgages, mortgage servicing, administration and analytical, mortgage originator and servicer, and retail savings products; and back office processing services. The company was founded in 1847 and is based in Chatham, the United Kingdom.

OneSavings Bank PLC

OSB House, Chatham, United Kingdom, ME4 4QZ

Key Executives

Name Title Year Born
Mr. Andrew John Golding Group CEO & Director 1969
Ms. April Carolyn Talintyre CFO & Director 1965
Mr. Clive Kornitzer Group Chief Operating Officer NA
Mr. John A. Gaunt BSc (Hons) Group Chief Information Officer 1969
Alastair Pate Group Head of Investor Relations and Head of Marketing & Communications NA
Mr. Richard Wilson Group Chief Credit & Compliance Officer NA
Mr. Jason Elphick B.Com, LLB, LLM Group Gen. Counsel & Company Sec. NA
Mr. Hasan Kazmi Group Chief Risk Officer NA
Ms. Lisa Odendaal Chief Internal Auditor NA
Mr. Neil Richardson ESG Sustainability Director NA

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