OSB GroupCHIX:OSBL +1.30%80 EV-to-FCF is 5.80 as of Jul. 13, 2026, which is 2048% above its 10-year median of 0.27. GuruFocus rates CHIX:OSBL with a GF Score™ of 80/100 and a GF Value™ of £5.17 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,199 Banks companies, OSB Group ranks better than 53.38% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, OSB Group's Enterprise Value is £1,223.0 Mil.
OSB Group's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was £210.7 Mil. Therefore, OSB Group's EV-to-FCF for today is 5.80.
The historical rank and industry rank for OSB Group's EV-to-FCF or its related term are showing as below:
CHIX:OSBl'
s EV-to-FCF Range Over the Past 10 Years
Min: -12.47 Med: 0.27 Max: 8.25
Current: 5.8
During the past 13 years, the highest EV-to-FCF of OSB Group was 8.25. The lowest was -12.47. And the median was 0.27.
CHIX:OSBl's EV-to-FCF is ranked better than 53.38% of 1199
companies
in the Banks industry
Industry Median: 6.56
vs CHIX:OSBl: 5.80
EV-to-FCF 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-FCF 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 £5.46.
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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
OSB Group EV-to-FCF Related Terms
OSB Group EV-to-FCF Historical Data
* Premium members only.
The historical data trend for OSB Group's EV-to-FCF 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: EV-to-FCF Comparison
For the Mortgage Finance subindustry, OSB Group's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, OSB Group's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where OSB Group's EV-to-FCF falls into.
OSB Group's current Enterprise Value is £1,223.0 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. OSB Group's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was £210.7 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 (CHIX:OSBL) has a EV-to-FCF of 5.80 as of Jul. 13, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on OSB Group and its competitors. This is 2048% above median its historical median of 0.27. According to the industry distribution chart, OSB Group ranks #559 out of 1199 companies in the Banks industry, placing it in the top 46.6%.
Is OSB Group's EV-to-FCF too high?
OSB Group's current EV-to-FCF of 5.80 is 2048% above median its 10-year median of 0.27. The Banks industry median EV-to-FCF is 6.56. OSB Group's value of 5.80 is 11.6% below this industry median. Based on the distribution chart, OSB Group ranks #559 out of 1199 companies in the Banks industry, which is above 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 EV-to-FCF compare to RKT and FNMA?
According to the Banks industry distribution chart, OSB Group ranks #559 out of 1199 companies for EV-to-FCF. This puts OSB Group in the upper half of its industry. The industry median EV-to-FCF is 6.56. OSB Group's value of 5.80 is 11.6% below this benchmark. While the company's 10-year median is 0.27 vs. the industry median of 6.56, 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.56, based on 1,199 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. OSB Group's current EV-to-FCF of 5.80 is 11.6% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on OSB Group and its competitors. For the Banks industry, the median EV-to-FCF is 6.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. OSB Group's current EV-to-FCF is 5.80, which is 2048% 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 (CHIX:OSBL) is currently considered Fairly Valued. The stock's GF Value™ is £5.17, compared to a current price of £5.46 — trading 5.6% above its estimated fair value. The current EV-to-FCF is 5.80, which is 2048% above median its 10-year median of 0.27 and 11.6% below the Banks industry median of 6.56. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For OSB Group (CHIX:OSBL), the current EV-to-FCF is 5.80 as of Jul. 13, 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 overvalued.
The current stock price of £5.46 is trading 5.6% above its estimated GF Value™ of £5.17.
GuruFocus considers OSB Group to be Fairly Valued.
Key valuation signals for CHIX:OSBL:
EV-to-FCF: 5.80 (2048% above median its 10-year median of 0.27)
GF Value™: £5.17 vs. price of £5.46 (5.6% above fair value)
Industry Position: 11.6% below the Banks median (#559 of 1199)
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.
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