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OSB Group Plc (OSBGF) fair value: what the stock is really worth

As of Sep 22, 2026: fair value of OSB Group Plc $14.34, price $7.17, upside +100.0%, quality 70 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? Yes
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Financial Services · US

OG OSB Group Plc logo Some data Sep 24, 2026

OSB Group Plc

OSBGF · US

Clearly undervaluedStrong Fair Value upside, but quality is only moderate.

✓Fair value $14.34 · Strongly undervalued (+100%)
✓Quality 70/100
✓Healthy Growth (revenue 3y +2.6 %/yr)
✓Highly profitable · 43.6% net margin (TTM)
✓generates free cash flow
·4.92% dividend yield
!Mixed vs. peers (7/13)
✓Wide moat 66/100
!Evidence only medium, so the estimate is less certain
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$7.73 $2.37 Fair Value $14.34 Jun 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.

How to read this chart

60‑month range $2.37 – $7.73 · fair‑value band $10.14 – $18.72 · the $7.17 price screens below the $14.34 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.

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Company profile

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).

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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.

Stock analysis

OSB Group Plc (OSBGF) currently trades at $7.17, while our model-based Fair Value estimate is $14.34, implying the stock looks roughly 50.0% undervalued today.

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Valuation

Bull case: the Growth DCF group reads highest at a median of $107.06 per share, and 8 of the 9 models we run sit above the $7.17 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.

Scenario range: $10.14 (bear) to $18.72 (bull), the price of $7.17 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 70/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

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.

Key figures

Market cap $2.7B · P/E ratio 7.2 · P/S ratio 3.36 · EPS (TTM) $0.9900 · Dividend yield 4.9% · Net margin 46.3% · Return on equity 12.6% · Return on assets 0.9%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (medium confidence).

What moves the price

The share trades about 7% below its 52-week high and 8% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at 17% fair-value upside, at 100%, OSBGF screens cheaper than that median.

Fair Value models

Bear $10.14 Fair Value $14.34 Bull $18.72
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 12 months old). Earnings retained since then ($0.6370 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Growth DCF $82.11 $107.06 $140.57 74
Owner Earnings $24.55 $30.34 $38.48 72
5Y P/E Exit $40.88 $46.33 $51.54 67
All 9 models by family
DCF Models
Owner Earnings $24.55 $30.34 $38.48 72
5Y P/E Exit $40.88 $46.33 $51.54 67
10Y P/E Exit $55.64 $62.75 $69.59 60
Earnings-Based
Graham-Dodd $6.13 $12.43 $15.65 63
Multiples
P/E Multiple $8.79 $11.72 $14.65 63
P/B Multiple $6.83 $9.11 $11.38 55
Asset-Based
NCAV (Graham) $3.25 $4.36 $6.51 51
Growth DCF
Growth DCF $82.11 $107.06 $140.57 74
Economic Profit
Residual Income $6.22 $7.71 $17.37 67

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Quality Score breakdown

Overall quality 70/100

Of which business quality 64 · Market factors (momentum, volatility) 47

Profitability 45
Margins and returns on capital today
Quality Growth 41
Are margins and returns improving?
Cashflow 100
Earnings quality: real cash, not paper profit
Fin. Strength 34
Balance sheet, leverage, solvency risk
Investment 74
Disciplined investing over empire-building
Low Volatility 66
Calm price path (market factor)
Momentum 39
Price trend over the last 3–12 months (market factor)
52W Momentum 38
Distance to the 52-week high (market factor)
Net Issuance 100
Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 73/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+2.0%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+2.6%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+18.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+13.5%
Dividend (yield on the price)4.9%

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Peer Groupⓘ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.Mortgage Finance · 92 stocks

Beats the industry median on 7/13 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 68 · Top 25%
Fair Value upside +100% · Top 25%
Profitability
Return on equity (TTM) 13% · Above median
Return on assets 1% · Above median
Net margin (TTM) 44% · Below median
Operating margin (TTM) 65% · Above median
Growth and dividend
Revenue growth 6% · Bottom 25%
Dividend yield (TTM) 4.9% · Below median

Valuation Multiplesvs Mortgage Finance median · lower = cheaper

P/E (TTM) 7.2× · Cheapest 25%
P/B 1.20× · Pricier than median
P/S (TTM) 4.07× · Pricier than median
P/FCF 1.2× · Priciest 25%
PEG 0.42× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 0
FUTURE (revenue growth)32 · sector 100
PAST (return on equity)51 · sector 43
HEALTH (low debt)0 · sector 25
DIVIDEND (yield)98 · sector 100

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Mortgage Finance stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
Federal Home Loan Mortgage Corporation FMCCT $12.00 $24.00 +100%
Rocket Companies, Inc RKT $12.74 $3.23 −75%
Federal National Mortgage Association FNMAS $8.25 $2.01 −76%
Bajaj Housing Finance Limited BAJAJHFL ₹83.52 ₹24.32 −71%
PennyMac Financial Services, Inc PFSI $66.96 $125.45 +87%
UWM Holdings UWMC $1.26 $0.2100 −83%
LIC Housing Finance Limited LICHSGFIN ₹572.50 ₹1,145 +100%
PNB Housing Finance Limited PNBHOUSING ₹1,139 ₹1,330 +17%
Aadhar Housing Finance Limited AADHARHFC ₹454.55 ₹584.64 +29%
Walker & Dunlop, Inc WD $38.32 $32.25 −16%

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OSB Group Plc · Fair Value
$14.34 +50%Fair Value
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Cite: Fair Value Calculator (2026). "OSB Group Plc Fair Value". https://www.fairvalue-calculator.com/stock/OSBGF

Frequently asked questions

Is OSB Group Plc (OSBGF) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $14.34 versus a price of $7.17, about +100% upside (undervalued).
What is the fair value of OSBGF?
Our model-based fair value for OSB Group Plc is $14.34 (as of Sep 24, 2026), built from audited fundamentals. The current price: $7.17.
What is the quality score of OSBGF?
OSB Group Plc has a Quality Score of 70/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for OSB Group Plc (OSBGF)?
Our model-based price target is the fair value of $14.34 (as of Sep 24, 2026) from 9 valuation models. Cautious scenario $10.14, optimistic scenario $18.72. It is a calculation from audited fundamentals, not an analyst target.
What is the OSB Group Plc stock forecast for 2026?
Our models put fair value at $14.34, about +100% upside versus a price of $7.17 (undervalued). Cautious scenario $10.14, optimistic scenario $18.72. The calculation is refreshed regularly with new filings.
What is the revenue of OSB Group Plc (OSBGF)?
OSB Group Plc reported trailing-twelve-month revenue of about £655M (latest available figure, as of Sep 24, 2026).
Does OSB Group Plc pay a dividend?
OSB Group Plc currently shows a dividend yield of about 4.92% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of OSB Group Plc (OSBGF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For OSB Group Plc it is $14.34 per share (as of Sep 24, 2026), against a price of $7.17. It is the blended result of 9 valuation models (cash flow, earnings, asset, dividend).
Is OSB Group Plc stock overvalued or undervalued in 2026?
As of Sep 24, 2026, OSBGF trades below its calculated fair value: price $7.17, fair value $14.34, a gap of about +100% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of OSBGF?
No. The price is what the market pays today ($7.17); the fair value is what the company's own numbers justify ($14.34). For OSB Group Plc the two are $7.17 per share apart. That gap is exactly why we show both numbers side by side.
How much is OSB Group Plc worth?
The market values OSB Group Plc at about $2.7B (market capitalisation, as of Sep 24, 2026). Per share that is $7.17; our models calculate a fair value of $14.34 per share.
What do the bullish and bearish scenarios say about OSBGF?
Our models span a range for OSB Group Plc: cautious scenario $10.14, base $14.34, optimistic $18.72 per share (as of Sep 24, 2026, price $7.17). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of OSBGF?
OSB Group Plc trades at a price-to-earnings ratio of 7.2 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $14.34 is built from several models across several years. Other multiples: PEG 0.4, P/B 1.2, P/S 4.1.
What is the PEG ratio of OSBGF?
The PEG ratio of OSB Group Plc is 0.42 (P/E divided by earnings growth, as of Sep 24, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of OSB Group Plc (OSBGF)?
Balance-sheet figures for OSB Group Plc (as of Sep 24, 2026): return on equity 12.6%. They feed the Quality Score of 70/100, which measures business quality independently of the share price.
How far is OSBGF from its 52-week high?
OSB Group Plc trades at $7.17, about 7% below its 52-week high of $7.73 and 8% above the low of $6.65 (as of Sep 22, 2026). Distance from the high says nothing about value: that is what the fair value of $14.34 is for.
Which stocks are comparable to OSB Group Plc?
From the same area (Financial Services) we also value Federal Home Loan Mortgage Corporation, Rocket Companies, Inc, Federal National Mortgage Association, Bajaj Housing Finance Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is OSB Group Plc stock attractive at the current price?
The data as of Sep 24, 2026: price $7.17, calculated fair value $14.34 (+100%), Quality Score 70/100, from 9 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of OSBGF calculated?
We run OSB Group Plc through 9 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $14.34, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.1 % above its aggregate fair value. OSB Group Plc currently trades 100 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of OSB Group Plc (OSBGF)?
The closing price on Sep 22, 2026 was $7.17. Our model-based fair value is $14.34, about +100% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with OSB Group Plc right 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 ($10.14). The market is more pessimistic than our downside scenario. A fairly wide model range ($10.14 to $18.72) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of OSB Group Plc

How large is the market capitalisation of OSB Group Plc (OSBGF)?
The market capitalisation of OSB Group Plc is $2.7B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of OSB Group Plc (OSBGF)?
The price-to-sales ratio of OSB Group Plc is 3.36 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of OSB Group Plc (OSBGF)?
Earnings per share at OSB Group Plc are $0.9900 (price ÷ EPS = P/E 7.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of OSB Group Plc (OSBGF)?
The dividend yield of OSB Group Plc is 4.9% (payout 35.7%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of OSB Group Plc (OSBGF)?
The net margin of OSB Group Plc is 46.3% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of OSB Group Plc (OSBGF)?
The return on equity (ROE) of OSB Group Plc is 12.6% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the return on assets of OSB Group Plc (OSBGF)?
The return on assets (ROA) of OSB Group Plc is 0.9% (last twelve months). Profit relative to everything the company owns. Harder to inflate than return on equity because debt does not boost it.
What is the operating margin of OSB Group Plc (OSBGF)?
The operating margin of OSB Group Plc is 64.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at OSB Group Plc (OSBGF)?
Revenue at OSB Group Plc is growing +6.3% versus a year earlier (3y avg +2.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at OSB Group Plc (OSBGF)?
Earnings per share at OSB Group Plc are growing +15.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does OSB Group Plc (OSBGF) generate?
The free cash flow of OSB Group Plc is £2.2B (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
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