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OSB GroupCHIX:OSBL -1.42%80 Equity-to-Asset is 0.07 as of Dec. 2025, which is at its 10-year median of 0.07. GuruFocus rates CHIX:OSBL with a GF Score™ of 80/100 and a GF Value™ of £5.19 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,525 Banks companies, OSB Group ranks worse than 76.72% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. OSB Group's Total Stockholders Equity for the quarter that ended in Dec. 2025 was £2,296.7 Mil. OSB Group's Total Assets for the quarter that ended in Dec. 2025 was £31,122.7 Mil.
Therefore, OSB Group's Equity to Asset Ratio for the quarter that ended in Dec. 2025 was 0.07.
The historical rank and industry rank for OSB Group's Equity-to-Asset or its related term are showing as below:
CHIX:OSBl'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.06 Med: 0.07 Max: 0.08
Current: 0.07
During the past 13 years, the highest Equity to Asset Ratio of OSB Group was 0.08. The lowest was 0.06. And the median was 0.07.
CHIX:OSBl's Equity-to-Asset is ranked worse than 76.72% of 1525
companies
in the Banks industry
Industry Median: 0.1
vs CHIX:OSBl: 0.07
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
OSB Group Equity-to-Asset Related Terms
OSB Group Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for OSB Group's Equity-to-Asset 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: Equity-to-Asset Comparison
For the Mortgage Finance subindustry, OSB Group's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, OSB Group's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where OSB Group's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
OSB Group's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.07 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on OSB Group and its competitors. This is near median its historical median of 0.07. Over the past decade, OSB Group's Equity-to-Asset has ranged from 0.06 to 0.08. According to the industry distribution chart, OSB Group ranks #1170 out of 1525 companies in the Banks industry, placing it in the top 76.7%.
Is OSB Group's Equity-to-Asset too high?
OSB Group's current Equity-to-Asset of 0.07 is near median its 10-year median of 0.07. Over the past 10 years, this metric has ranged from a low of 0.06 to a high of 0.08. The Banks industry median Equity-to-Asset is 0.10. OSB Group's value of 0.07 is 30% below this industry median. Based on the distribution chart, OSB Group ranks #1170 out of 1525 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Equity-to-Asset compare to RKT and FNMA?
According to the Banks industry distribution chart, OSB Group ranks #1170 out of 1525 companies for Equity-to-Asset. This places OSB Group in the lower half of its industry. The industry median Equity-to-Asset is 0.10. OSB Group's value of 0.07 is 30% below this benchmark. Historically, OSB Group's own Equity-to-Asset has ranged from 0.06 to 0.08 over the past decade. While the company's 10-year median is 0.07 vs. the industry median of 0.10, OSB Group has consistently been below 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. OSB Group's current Equity-to-Asset of 0.07 is 30% below 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on OSB Group and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. OSB Group's current Equity-to-Asset is 0.07, which is near median its own 10-year median of 0.07. 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 £5.19, compared to a current price of £5.56 — trading 7.1% above its estimated fair value. The current Equity-to-Asset is 0.07, which is near median its 10-year median of 0.07 and 30% below the Banks industry median of 0.10. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For OSB Group (CHIX:OSBL), the current Equity-to-Asset is 0.07 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 £5.56 is trading 7.1% above its estimated GF Value™ of £5.19.
GuruFocus considers OSB Group to be Fairly Valued.
Key valuation signals for CHIX:OSBL:
Equity-to-Asset: 0.07 (near median its 10-year median of 0.07)
GF Value™: £5.19 vs. price of £5.56 (7.1% above fair value)
Industry Position: 30% below the Banks median (#1170 of 1525)
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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