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OneSavings Bank PLC (LSE:OSB)
482.2 GBX
-5.200 1.067%Sponsored Reports
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| Previous Close (in GBX) | 487.4 |
|---|---|
| Change | -5.200 1.067% |
| 52 W H/L (in GBX) | 523.788/277.200 |
| EBITDA (in GBX) | -- |
| PE Ratio | 7.98 |
| Volume | 479591 |
| Diluted Eps TTM | 0.57 |
| Total Assets (in GBX) | -- |
|---|---|
| Total Liabilities (in GBX) | -- |
| Revenue TTM (in GBX) | 570.8M |
| Cash (in GBX) | -- |
| Market Cap (in GBX) | 1,784.760 M |
| Revenue Per Share TTM | 1.322 |
| Gross Profit TTM (in GBX) | 744.7M |
Summary
Income Statement
Balance Sheet
Change in Cash
Operating Cash
Dividend Paid
OneSavings Bank PLC
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.
Employees: 2169
Key Executives
| Sr. No. | Name | Title | Year Born |
|---|---|---|---|
| 1. | Mr. Andrew John Golding | Group CEO & Director | 1969 |
| 2. | Ms. April Carolyn Talintyre | CFO & Director | 1965 |
| 3. | Mr. Clive Kornitzer | Group Chief Operating Officer | NA |
| 4. | Mr. John A. Gaunt BSc (Hons) | Group Chief Information Officer | 1969 |
| 5. | Alastair Pate | Group Head of Investor Relations and Head of Marketing & Communications | NA |
| 6. | Mr. Richard Wilson | Group Chief Credit & Compliance Officer | NA |
| 7. | Mr. Jason Elphick B.Com, LLB, LLM | Group Gen. Counsel & Company Sec. | NA |
| 8. | Mr. Hasan Kazmi | Group Chief Risk Officer | NA |
| 9. | Ms. Lisa Odendaal | Chief Internal Auditor | NA |
| 10. | Mr. Neil Richardson | ESG Sustainability Director | NA |
Peers
Sector: Financial Services
Industry: Mortgage Finance
| Company | Change (GBX) | Price (GBX) | Trailing PE(x) | Forward PE(x) | Price Sales TTM(x) | Price to Book Value(x) | Enterprise Value to Revenue(x) | Enterprise Value to EBITDA(x) |
|
PAG
Paragon Banking Group PLC |
+2.500 0.282% | 889.5 | 10.450 | 7.710 | 3.820 | 1.071 | 31.890 | 0.000 |
|
MAB1
Mortgage Advice |
+6.000 0.677% | 884 | 42.110 | 23.310 | 1.832 | 6.612 | 1.865 | 19.432 |
|
LINV
Lendinvest PLC |
+1.000 3.509% | 29 | 3.380 | 9.681 | 0.776 | 0.479 | 13.650 | 71.535 |
Income Statement
(Currency in GBX)| Breakdown | 31-12-2022 | 31-12-2021 | 31-12-2020 | 31-12-2019 | 31-12-2018 |
|---|---|---|---|---|---|
| Income Before Tax | 531.5M | 464.6M | 260.4M | 209.1M | 183.8M |
| Minority Interest | - | - | 60M | 60M | 60M |
| Net Income | 410M | 345.3M | 196.3M | 158.8M | 140.3M |
| Selling General Administrative | 80.6M | 55.7M | 55.4M | 44.7M | 20.8M |
| Gross Profit | 757.1M | 615.6M | 491.6M | 340.2M | 274M |
| Reconciled Depreciation | 13.4M | 14.5M | 13.8M | 8.2M | 4.7M |
| Ebit | 890.9M | 464.6M | 260.4M | 209.1M | 312.2M |
| Ebitda | 904.3M | 479.1M | 274.2M | 217.3M | 316.9M |
| Depreciation And Amortization | 13.4M | 14.5M | 13.8M | 8.2M | 4.7M |
| Operating Income | 890.9M | 464.6M | 260.4M | 209.1M | 193.6M |
| Other Operating Expenses | 199M | 153.5M | 143.4M | 114.1M | 0.8M |
| Interest Expense | 359.4M | 159.2M | 239.7M | 195.2M | 128.4M |
| Tax Provision | 121.5M | 119.3M | 64.1M | 50.3M | 43.5M |
| Interest Income | 1069.9M | 903.6M | 867M | 577.5M | 416M |
| Net Interest Income | 710.5M | 587.6M | 472.2M | 356.1M | 295.7M |
| Income Tax Expense | 121.5M | 119.3M | 64.1M | 50.3M | 43.5M |
| Total Revenue | 757.1M | 615.6M | 491.6M | 340.2M | 282.7M |
| Total Operating Expenses | 199M | 153.5M | 143.4M | 114.1M | 81M |
| Cost Of Revenue | - | - | - | - | 0M |
| Total Other Income Expense Net | -359.4M | -159.2M | -239.7M | -195.2M | -9.8M |
| Net Income From Continuing Ops | 410M | 345.3M | 196.3M | 158.8M | 140.3M |
| Net Income Applicable To Common Shares | 401M | 340.6M | 190.8M | 153.3M | 135.6M |
Balance Sheet
(Currency in GBX)| Breakdown | 30-06-2023 | 31-12-2022 | 31-12-2021 | 31-12-2020 | 31-12-2019 |
|---|---|---|---|---|---|
| Total Assets | - | 27566.7M | 24531.9M | 22654.5M | 21417.1M |
| Intangible Assets | - | 12M | 18.4M | 20.6M | 31.4M |
| Other Current Assets | - | 416.1M | 21277M | 19402.2M | 18591.6M |
| Total Liab | - | 25365.7M | 496.5M | 481.7M | 357.8M |
| Total Stockholder Equity | - | 2201M | 2024.4M | 1616.9M | 1477M |
| Other Current Liab | - | 16.3M | 7.4M | 8.1M | 53.3M |
| Common Stock | - | 4.3M | 4.5M | 1359.8M | 4.5M |
| Capital Stock | - | 4.3M | 4.5M | 1359.8M | 4.5M |
| Retained Earnings | - | 3389.4M | 3215.1M | 1608.6M | 553.2M |
| Good Will | - | - | - | - | - |
| Other Assets | - | 23884.5M | 21277M | 19402.2M | 18591.6M |
| Cash | - | 2879.9M | 2563.3M | 2316.3M | 1968.9M |
| Cash And Equivalents | - | - | - | - | - |
| Total Current Liabilities | - | 20468.4M | 17651.1M | 16877.5M | 16532.5M |
| Current Deferred Revenue | - | - | - | - | - |
| Net Debt | - | -2588.8M | -2066.8M | -1834.6M | -1611.1M |
| Short Term Debt | - | - | - | - | 466.5M |
| Short Long Term Debt | - | - | - | - | 466.5M |
| Short Long Term Debt Total | - | 291.1M | 496.5M | 481.7M | 357.8M |
| Other Stockholder Equity | - | -1192.7M | -1195.2M | -1351.5M | 919.3M |
| Property Plant Equipment | - | 40.9M | 35.1M | 39.2M | 41.6M |
| Total Current Assets | - | 2879.9M | 2563.3M | 2316.3M | 1968.9M |
| Long Term Investments | - | 749.4M | 638.1M | 876.2M | 783.6M |
| Short Term Investments | - | - | - | - | - |
| Net Receivables | - | 1.7M | - | 8.4M | - |
| Long Term Debt | - | - | - | - | 2936.6M |
| Inventory | - | - | - | - | - |
| Accounts Payable | - | 19868.9M | 17619M | 16676M | 16284.7M |
| Accumulated Other Comprehensive Income | - | - | - | -11.2M | -8.8M |
| Non Currrent Assets Other | - | -802.3M | -691.6M | -936M | -856.6M |
| Non Current Assets Total | - | 802.3M | 691.6M | 936M | 856.6M |
| Capital Lease Obligations | - | - | - | - | - |
| Long Term Debt Total | - | - | - | - | - |
Cash Flow
(Currency in GBX)| Breakdown | 31-12-2022 | 31-12-2021 | 31-12-2020 | 31-12-2019 | 31-12-2018 |
|---|---|---|---|---|---|
| Investments | 63.2M | 79.5M | 216.4M | -32.2M | -40M |
| Total Cashflows From Investing Activities | 63.2M | 80.6M | 755.8M | 826.6M | -45.6M |
| Total Cash From Financing Activities | -184.3M | 747.2M | 838.3M | 488.1M | 289M |
| Net Income | 531.5M | 464.6M | 260.4M | 209.1M | 183.8M |
| Change In Cash | 307.4M | 366.1M | 267.8M | 778.6M | 158.3M |
| Begin Period Cash Flow | 2736.7M | 2370.6M | 2102.8M | 1324.2M | 1165.9M |
| End Period Cash Flow | 3044.1M | 2736.7M | 2370.6M | 2102.8M | 1324.2M |
| Total Cash From Operating Activities | 428.5M | -461.7M | -1326.3M | -536.1M | -85.1M |
| Depreciation | 13.4M | 14.5M | 13.8M | 8.2M | 4.7M |
| Other Cashflows From Investing Activities | 7.7M | 1.9M | 7M | 7M | 7M |
| Dividends Paid | 133.1M | 86.7M | 86.7M | 37.3M | 33.2M |
| Change To Inventory | - | - | - | - | - |
| Sale Purchase Of Stock | -102M | 5043.6M | - | - | - |
| Other Cashflows From Financing Activities | 373.3M | 84.9M | 1939.3M | 863.5M | 321.9M |
| Capital Expenditures | 11.7M | 6.8M | 7.5M | 11.6M | 6M |
| Change In Working Capital | -24.2M | -799M | -1537.2M | -711.8M | -262.1M |
| Other Non Cash Items | -100.3M | 9.6M | 9.6M | -0.6M | -14M |
| Free Cash Flow | 416.8M | -468.5M | -1333.8M | -547.7M | -91.1M |
No data found
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