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Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities, calculated as total liabilities divided by total asset. OSB Group's Total Liabilities for the quarter that ended in Dec. 2025 was £28,826.0 Mil. OSB Group's Total Assets for the quarter that ended in Dec. 2025 was £31,122.7 Mil.
Therefore, OSB Group's Liabilities-to-Assets Ratio for the quarter that ended in Dec. 2025 was 0.93.
OSB Group (CHIX:OSBl) Liabilities-to-Assets Explanation
Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities. It can vary greatly across different industries, as they have different capital structure. A high Liabilities-to-Assets ratio (more leveraged) suggests that the company might have potential solvency problems, or even a signal of financial distress. Conversely, a low Liabilities-to-Assets ratio usually indicates a healthy financial situation. However, it may also suggest that the company is not expanding or not making good use of debt.
OSB Group Liabilities-to-Assets Related Terms
OSB Group Liabilities-to-Assets Historical Data
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The historical data trend for OSB Group's Liabilities-to-Assets 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: Liabilities-to-Assets Comparison
For the Mortgage Finance subindustry, OSB Group's Liabilities-to-Assets, along with its competitors' market caps and Liabilities-to-Assets 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 Liabilities-to-Assets vs Banks Industry
For the Banks industry and Financial Services sector, OSB Group's Liabilities-to-Assets distribution charts can be found below:
* The bar in red indicates where OSB Group's Liabilities-to-Assets falls into.
Liabilities-to-Assets ratio measures the portion of the total liabilities to the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Liabilities-to-Assets ratio is calculated by dividing total liabilities by total asset.
OSB Group's Liabilities-to-Assets 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 Liabilities-to-Assets of 0.93 as of Dec. 2025. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on OSB Group and its competitors.
Is OSB Group's Liabilities-to-Assets too high?
OSB Group's current Liabilities-to-Assets is 0.93. 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 Liabilities-to-Assets compare to RKT and FNMA?
OSB Group's Liabilities-to-Assets of 0.93 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Liabilities-to-Assets for a Banks company?
A good Liabilities-to-Assets depends on the Banks industry context. However, Liabilities-to-Assets 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 Liabilities-to-Assets mean?
A high Liabilities-to-Assets can signal that a stock is expensive relative to its fundamentals. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on OSB Group and its competitors. OSB Group's current Liabilities-to-Assets is 0.93. 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 £5.18, compared to a current price of £5.63 — trading 8.6% above its estimated fair value. The current Liabilities-to-Assets is 0.93. 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 Liabilities-to-Assets calculated?
Liabilities-to-Assets is calculated from a company's financial statements. For OSB Group (CHIX:OSBL), the current Liabilities-to-Assets is 0.93 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 £5.63 is trading 8.6% above its estimated GF Value™ of £5.18.
GuruFocus considers OSB Group to be Fairly Valued.
Key valuation signals for CHIX:OSBL:
Liabilities-to-Assets: 0.93
GF Value™: £5.18 vs. price of £5.63 (8.6% above 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.
80GF Score
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Liabilities-to-Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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