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OSB GroupCHIX:OSBL -0.44%69 Intrinsic Value: Projected FCF is £9.96 as of Sep. 03, 2026. GuruFocus rates CHIX:OSBL with a GF Score™ of 69/100 and a GF Value™ of £5.24 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,294 Banks companies, OSB Group ranks better than 59.81% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
As of today (2026-09-03), OSB Group's Intrinsic Value: Projected FCF is £9.96. The stock price of OSB Group is £5.14. Therefore, OSB Group's Price-to-Intrinsic-Value-Projected-FCF of today is 0.5.
The historical rank and industry rank for OSB Group's Intrinsic Value: Projected FCF or its related term are showing as below:
CHIX:OSBl'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.52 Med: 0.58 Max: 0.64
Current: 0.52
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of OSB Group was 0.64. The lowest was 0.52. And the median was 0.58.
CHIX:OSBl's Price-to-Projected-FCF is ranked better than 59.81% of 1294
companies
in the Banks industry
Industry Median: 0.6
vs CHIX:OSBl: 0.52
OSB Group (CHIX:OSBl) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
OSB Group's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
5.14
/
9.911448560537
=
0.52
* 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 Intrinsic Value: Projected FCF Related Terms
OSB Group Intrinsic Value: Projected FCF Historical Data
* Premium members only.
The historical data trend for OSB Group's Intrinsic Value: Projected 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: Intrinsic Value: Projected FCF Comparison
For the Mortgage Finance subindustry, OSB Group's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-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 Price-to-Projected-FCF vs Banks Industry
For the Banks industry and Financial Services sector, OSB Group's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where OSB Group's Price-to-Projected-FCF falls into.
OSB Group Intrinsic Value: Projected FCF Calculation
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of £9.96 mean?
OSB Group (CHIX:OSBL) has a Intrinsic Value: Projected FCF of £9.96 as of Sep. 03, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on OSB Group and its competitors. According to the industry distribution chart, OSB Group ranks #520 out of 1294 companies in the Banks industry, placing it in the top 40.2%.
Is OSB Group's Intrinsic Value: Projected FCF too high?
OSB Group's current Intrinsic Value: Projected FCF is £9.96. Based on the distribution chart, OSB Group ranks #520 out of 1294 companies in the Banks industry, which is above the industry midpoint. Overall, OSB Group has a GF Score™ of 69/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does OSB Group's Intrinsic Value: Projected FCF compare to RKT and FNMA?
According to the Banks industry distribution chart, OSB Group ranks #520 out of 1294 companies for Intrinsic Value: Projected FCF. This puts OSB Group in the upper half of its industry. The industry median Intrinsic Value: Projected FCF is 0.60. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for a Banks company?
The median Intrinsic Value: Projected FCF among Banks companies is 0.60, based on 1,294 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on OSB Group and its competitors. For the Banks industry, the median Intrinsic Value: Projected FCF is 0.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. OSB Group's current Intrinsic Value: Projected FCF is £9.96. 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 £5.14 — trading 1.9% below its estimated fair value. The current Intrinsic Value: Projected FCF is £9.96. OSB Group's overall GF Score™ is 69/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For OSB Group (CHIX:OSBL), the current Intrinsic Value: Projected FCF is £9.96 as of Sep. 03, 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 £5.14 is trading 1.9% below its estimated GF Value™ of £5.24.
GuruFocus considers OSB Group to be Fairly Valued.
Key valuation signals for CHIX:OSBL:
Intrinsic Value: Projected FCF: £9.96
GF Value™: £5.24 vs. price of £5.14 (1.9% 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.
69GF Score
Get the complete analysis for CHIX:OSBL
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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