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 Group has the GF Score of 79, which implies that the company
is
Likely to have average performance.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes OSB Group
is
Likely to have average performance.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
OSB Group (FRA:2UK) GF Score Explanation
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
OSB Group GF Score Related Terms
FRA:2UK vs RKT, FNMA, PFSI: GF Score Comparison
For the Mortgage Finance subindustry, OSB Group's GF Score, along with its competitors' market caps and GF Score 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 GF Score vs Banks Industry
For the Banks industry and Financial Services sector, OSB Group's GF Score distribution charts can be found below:
* The bar in red indicates where OSB Group's GF Score falls into.
OSB Group (FRA:2UK) has a GF Score of 79 as of Jul. 14, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on OSB Group and its competitors. This is near median its historical median of 78.00. Over the past decade, OSB Group's GF Score has ranged from 25.00 to 84.00.
Is OSB Group's GF Score too high?
OSB Group's current GF Score of 79 is near median its 10-year median of 78.00. Over the past 10 years, this metric has ranged from a low of 25.00 to a high of 84.00. Overall, OSB Group has a GF Score™ of 79/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does OSB Group's GF Score compare to RKT and FNMA?
OSB Group's GF Score of 79 can be compared against companies in the Banks industry. Historically, OSB Group's own GF Score has ranged from 25.00 to 84.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Banks company?
A good GF Score depends on the Banks industry context. However, GF Score 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 GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on OSB Group and its competitors. OSB Group's current GF Score is 79, which is near median its own 10-year median of 78.00. 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 (FRA:2UK) is currently considered Fairly Valued. The stock's GF Value™ is €5.93, compared to a current price of €6.40 — trading 7.9% above its estimated fair value. The current GF Score is 79, which is near median its 10-year median of 78.00. OSB Group's overall GF Score™ is 79/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Score calculated?
GF Score is calculated from a company's financial statements. For OSB Group (FRA:2UK), the current GF Score is 79 as of Jul. 14, 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 (FRA:2UK) Overvalued in 2026?
Based on GuruFocus' analysis, OSB Group stock appears to be overvalued.
The current stock price of €6.40 is trading 7.9% above its estimated GF Value™ of €5.93.
GuruFocus considers OSB Group to be Fairly Valued.
Key valuation signals for FRA:2UK:
GF Score: 79 (near median its 10-year median of 78.00)
GF Value™: €5.93 vs. price of €6.40 (7.9% above fair value)
No single metric tells the full story. See the FRA:2UK 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.
79GF Score
Get the complete analysis for FRA:2UK
GF Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:2UK has been successfully added to your 
