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OSB GroupLSE:OSB -1.42%76 EV-to-OCF is 5.10 as of Aug. 01, 2026, which is 1789% above its 10-year median of 0.27. GuruFocus rates LSE:OSB with a GF Score™ of 76/100 and a GF Value™ of £5.16 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,500 Banks companies, OSB Group ranks worse than 54.93% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, OSB Group's Enterprise Value is £1,243.5 Mil.
OSB Group's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was £243.6 Mil. Therefore, OSB Group's EV-to-OCF for today is 5.10.
The historical rank and industry rank for OSB Group's EV-to-OCF or its related term are showing as below:
LSE:OSB'
s EV-to-OCF Range Over the Past 10 Years
Min: -13.9 Med: 0.27 Max: 7.14
Current: 5.17
During the past 13 years, the highest EV-to-OCF of OSB Group was 7.14. The lowest was -13.90. And the median was 0.27.
LSE:OSB's EV-to-OCF is ranked worse than 54.93% of 1500
companies
in the Banks industry
Industry Median: 3.975
vs LSE:OSB: 5.17
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
OSB Group's share price for today is £5.565.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. OSB Group's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was £0.736.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
OSB Group EV-to-OCF Related Terms
OSB Group EV-to-OCF Historical Data
* Premium members only.
The historical data trend for OSB Group's EV-to-OCF 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.
For the Mortgage Finance subindustry, OSB Group's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, OSB Group's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where OSB Group's EV-to-OCF falls into.
OSB Group's current Enterprise Value is £1,243.5 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. OSB Group's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was £243.6 Mil.
* 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 (LSE:OSB) has a EV-to-OCF of 5.10 as of Aug. 01, 2026. This is 1789% above median its historical median of 0.27. According to the industry distribution chart, OSB Group ranks #824 out of 1500 companies in the Banks industry, placing it in the top 54.9%.
Is OSB Group's EV-to-OCF too high?
OSB Group's current EV-to-OCF of 5.10 is 1789% above median its 10-year median of 0.27. The Banks industry median EV-to-OCF is 3.98. OSB Group's value of 5.10 is 28.3% above this industry median. Based on the distribution chart, OSB Group ranks #824 out of 1500 companies in the Banks industry, which is below the industry midpoint. Overall, OSB Group has a GF Score™ of 76/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does OSB Group's EV-to-OCF compare to RKT and FNMA?
According to the Banks industry distribution chart, OSB Group ranks #824 out of 1500 companies for EV-to-OCF. This places OSB Group in the lower half of its industry. The industry median EV-to-OCF is 3.98. OSB Group's value of 5.10 is 28.3% above this benchmark. While the company's 10-year median is 0.27 vs. the industry median of 3.98, 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 EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.98, based on 1,500 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. OSB Group's current EV-to-OCF of 5.10 is 28.3% 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. OSB Group's current EV-to-OCF is 5.10, which is 1789% above median its own 10-year median of 0.27. 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 (LSE:OSB) is currently considered Fairly Valued. The stock's GF Value™ is £5.16, compared to a current price of £5.57 — trading 7.8% above its estimated fair value. The current EV-to-OCF is 5.10, which is 1789% above median its 10-year median of 0.27 and 28.3% above the Banks industry median of 3.98. OSB Group's overall GF Score™ is 76/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For OSB Group (LSE:OSB), the current EV-to-OCF is 5.10 as of Aug. 01, 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 (LSE:OSB) Overvalued in 2026?
Based on GuruFocus' analysis, OSB Group stock appears to be overvalued.
The current stock price of £5.57 is trading 7.8% above its estimated GF Value™ of £5.16.
GuruFocus considers OSB Group to be Fairly Valued.
Key valuation signals for LSE:OSB:
EV-to-OCF: 5.10 (1789% above median its 10-year median of 0.27)
GF Value™: £5.16 vs. price of £5.57 (7.8% above fair value)
Industry Position: 28.3% above the Banks median (#824 of 1500)
No single metric tells the full story. See the LSE:OSB 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.
76GF Score
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EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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