Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
OSB GroupCHIX:OSBL -0.20%70 3-Year EPS without NRI Growth Rate is -6.40% as of Jun. 2026. GuruFocus rates CHIX:OSBL with a GF Score™ of 70/100 and a GF Value™ of £5.24 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,409 Banks companies, OSB Group ranks worse than 83.04% on this metric.
During the past 12 months, OSB Group's average EPS without NRI Growth Rate was 8.40% per year.
During the past 3 years, the average EPS without NRI Growth Rate was -6.40% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 6.30% per year.
During the past 10 years, the average EPS without NRI Growth Rate was 7.70% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of OSB Group was 58.60% per year. The lowest was -6.40% per year. And the median was 10.80% per year.
OSB Group (CHIX:OSBl) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
OSB Group 3-Year EPS without NRI Growth Rate Related Terms
CHIX:OSBL vs RKT, FNMA, PFSI: 3-Year EPS without NRI Growth Rate Comparison
For the Mortgage Finance subindustry, OSB Group's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI Growth Rate 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 3-Year EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, OSB Group's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where OSB Group's 3-Year EPS without NRI Growth Rate falls into.
OSB Group 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of -6.40% mean?
OSB Group (CHIX:OSBL) has a 3-Year EPS without NRI Growth Rate of -6.40% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for OSB Group and its competitors. According to the industry distribution chart, OSB Group ranks #1170 out of 1409 companies in the Banks industry, placing it in the top 83%.
Is OSB Group's 3-Year EPS without NRI Growth Rate too high?
OSB Group's current 3-Year EPS without NRI Growth Rate is -6.40%. Based on the distribution chart, OSB Group ranks #1170 out of 1409 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, OSB Group has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does OSB Group's 3-Year EPS without NRI Growth Rate compare to RKT and FNMA?
According to the Banks industry distribution chart, OSB Group ranks #1170 out of 1409 companies for 3-Year EPS without NRI Growth Rate. This places OSB Group in the lower half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 7.50. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.50, based on 1,409 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for OSB Group and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. OSB Group's current 3-Year EPS without NRI Growth Rate is -6.40%. 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 £5.24, compared to a current price of £5.12 — trading 2.4% below its estimated fair value. The current 3-Year EPS without NRI Growth Rate is -6.40%. OSB Group's overall GF Score™ is 70/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For OSB Group (CHIX:OSBL), the current 3-Year EPS without NRI Growth Rate is -6.40% as of Jun. 2026. 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 undervalued.
The current stock price of £5.12 is trading 2.4% below its estimated GF Value™ of £5.24.
GuruFocus considers OSB Group to be Fairly Valued.
Key valuation signals for CHIX:OSBL:
3-Year EPS without NRI Growth Rate: -6.40%
GF Value™: £5.24 vs. price of £5.12 (2.4% below fair value)
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.
70GF Score
Get the complete analysis for CHIX:OSBL
3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CHIX:OSBL has been successfully added to your 
