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OSB GroupCHIX:OSBL 80 Debt-to-Equity is 0.87 as of Dec. 2025, which is 248% above its 10-year median of 0.25. GuruFocus rates CHIX:OSBL with a GF Score™ of 80/100 and a GF Value™ of £5.18 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,425 Banks companies, OSB Group ranks worse than 63.51% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for OSB Group's Debt-to-Equity or its related term are showing as below:
CHIX:OSBl'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.05 Med: 0.25 Max: 0.9
Current: 0.87
During the past 13 years, the highest Debt-to-Equity Ratio of OSB Group was 0.90. The lowest was 0.05. And the median was 0.25.
CHIX:OSBl's Debt-to-Equity is ranked worse than 63.51% of 1425
companies
in the Banks industry
Industry Median: 0.56
vs CHIX:OSBl: 0.87
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
OSB Group Debt-to-Equity Related Terms
OSB Group Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for OSB Group's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
CHIX:OSBL vs RKT, FNMA, PFSI: Debt-to-Equity Comparison
For the Mortgage Finance subindustry, OSB Group's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
OSB Group Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, OSB Group's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where OSB Group's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
OSB Group (CHIX:OSBL) has a Debt-to-Equity of 0.87 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on OSB Group and its competitors. This is 248% above median its historical median of 0.25. Over the past decade, OSB Group's Debt-to-Equity has ranged from 0.05 to 0.90. According to the industry distribution chart, OSB Group ranks #905 out of 1425 companies in the Banks industry, placing it in the top 63.5%.
Is OSB Group's Debt-to-Equity too high?
OSB Group's current Debt-to-Equity of 0.87 is 248% above median its 10-year median of 0.25. Over the past 10 years, this metric has ranged from a low of 0.05 to a high of 0.90. The Banks industry median Debt-to-Equity is 0.56. OSB Group's value of 0.87 is 55.4% above this industry median. Based on the distribution chart, OSB Group ranks #905 out of 1425 companies in the Banks industry, which is below the industry midpoint. Overall, OSB Group has a GF Score™ of 80/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does OSB Group's Debt-to-Equity compare to RKT and FNMA?
According to the Banks industry distribution chart, OSB Group ranks #905 out of 1425 companies for Debt-to-Equity. This places OSB Group in the lower half of its industry. The industry median Debt-to-Equity is 0.56. OSB Group's value of 0.87 is 55.4% above this benchmark. Historically, OSB Group's own Debt-to-Equity has ranged from 0.05 to 0.90 over the past decade. While the company's 10-year median is 0.25 vs. the industry median of 0.56, OSB Group has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.56, based on 1,425 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. OSB Group's current Debt-to-Equity of 0.87 is 55.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on OSB Group and its competitors. For the Banks industry, the median Debt-to-Equity is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. OSB Group's current Debt-to-Equity is 0.87, which is 248% above median its own 10-year median of 0.25. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is OSB Group stock overvalued right now?
Based on GuruFocus' analysis, OSB Group (CHIX:OSBL) is currently considered Fairly Valued. The stock's GF Value™ is £5.18, compared to a current price of £5.52 — trading 6.5% above its estimated fair value. The current Debt-to-Equity is 0.87, which is 248% above median its 10-year median of 0.25 and 55.4% above the Banks industry median of 0.56. OSB Group's overall GF Score™ is 80/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For OSB Group (CHIX:OSBL), the current Debt-to-Equity is 0.87 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is OSB Group (CHIX:OSBL) Overvalued in 2026?
Based on GuruFocus' analysis, OSB Group stock appears to be overvalued.
The current stock price of £5.52 is trading 6.5% above its estimated GF Value™ of £5.18.
GuruFocus considers OSB Group to be Fairly Valued.
Key valuation signals for CHIX:OSBL:
Debt-to-Equity: 0.87 (248% above median its 10-year median of 0.25)
GF Value™: £5.18 vs. price of £5.52 (6.5% above fair value)
Industry Position: 55.4% above the Banks median (#905 of 1425)
No single metric tells the full story. See the CHIX:OSBL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
OSB Group PLC is a specialist mortgage lender, focused on selected sub-segments of the mortgage market. Its lending business is supported by various funding platforms, including retail savings deposits sourced under two brands: Kent Reliance and Charter Savings Bank (CSB), securitisation platforms, debt issuance, and Bank of England schemes. The Group operates under two segments: OneSavings Bank (OSB) and Charter Court Financial Services (CCFS). The majority of its revenue is generated from the OSB segment, which includes first charge residential mortgages for owner-occupiers, under shared ownership schemes, Buy-to-Let mortgages secured on residential property held for investment purposes by landlords, and commercial mortgages secured on commercial and semi-commercial properties.
80GF Score
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