OSB Group (LSE:OSB) LT-Debt-to-Total-Asset: 0.06 (As of Dec. 2025)

What is OSB Group LT-Debt-to-Total-Asset?

OSB Group LSE:OSB -0.65% 74 LT-Debt-to-Total-Asset is 0.06 as of Dec. 2025. GuruFocus rates LSE:OSB with a GF Score™ of 74/100 and a GF Value™ of £5.14 (Fairly Valued). The stock has 1 warning sign investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. OSB Group's long-term debt to total assests ratio for the quarter that ended in Dec. 2025 was 0.06.

OSB Group's long-term debt to total assets ratio declined from Dec. 2024 (0.07) to Dec. 2025 (0.06). It may suggest that OSB Group is progressively becoming less dependent on debt to grow their business.

OSB Group (LSE:OSB) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

OSB Group LT-Debt-to-Total-Asset Related Terms

OSB Group LT-Debt-to-Total-Asset Historical Data

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The historical data trend for OSB Group's LT-Debt-to-Total-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.

OSB Group LT-Debt-to-Total-Asset Chart

OSB Group Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.02

0.01

0.05

0.07

0.06

OSB Group Semi-Annual Data
	Jun16	Dec16	Jun17	Dec17	Jun18	Dec18	Jun19	Dec19	Jun20	Dec20	Jun21	Dec21	Jun22	Dec22	Jun23	Dec23	Jun24	Dec24	Jun25	Dec25
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.05	0.07	0.07	0.06	0.06

74GF Score

OSB Group PLC LSE:OSB

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OSB Group LT-Debt-to-Total-Asset Calculation

OSB Group's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	1999.8	/	31122.7
	=	0.06

OSB Group's Long-Term Debt to Total Asset Ratio for the quarter that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (Q: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (Q: Dec. 2025 )	/	Total Assets (Q: Dec. 2025 )
	=	1999.8	/	31122.7
	=	0.06

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.06 mean?

OSB Group (LSE:OSB) has a LT-Debt-to-Total-Asset of 0.06 as of Dec. 2025. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on OSB Group and its competitors.

Is OSB Group's LT-Debt-to-Total-Asset too high?

OSB Group's current LT-Debt-to-Total-Asset is 0.06. Overall, OSB Group has a GF Score™ of 74/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.

How does OSB Group's LT-Debt-to-Total-Asset compare to RKT and FNMA?

OSB Group's LT-Debt-to-Total-Asset of 0.06 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 LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on OSB Group and its competitors. OSB Group's current LT-Debt-to-Total-Asset is 0.06. 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 (LSE:OSB) is currently considered Fairly Valued. The stock's GF Value™ is £5.14, compared to a current price of £5.35 — trading 4.1% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.06. OSB Group's overall GF Score™ is 74/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For OSB Group (LSE:OSB), the current LT-Debt-to-Total-Asset is 0.06 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 (LSE:OSB) Overvalued in 2026?

Based on GuruFocus' analysis, OSB Group stock appears to be overvalued. The current stock price of £5.35 is trading 4.1% above its estimated GF Value™ of £5.14. GuruFocus considers OSB Group to be Fairly Valued.

Key valuation signals for LSE:OSB:

LT-Debt-to-Total-Asset: 0.06
GF Value™: £5.14 vs. price of £5.35 (4.1% above fair value)
GF Score™: 74/100 with 1 warning sign

No single metric tells the full story. See the LSE:OSB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

OSB Group Business Description

Industry Financial Services Banks

Comparable Companies LSE:PAG LSE:MAB1 LSE:LINV RKT FNMA NSE:BAJAJHFL PFSI FMCC NSE:LICHSGFIN NSE:PNBHOUSING NSE:AADHARHFC BOM:535789 WD BOM:543335 BOM:543259 BOM:541988 BOM:511196 BOM:544044 UWMC TSX:MKP

Other Exchanges OSBGF:USA OSBl:UK 2UK:Germany

Address Quayside, OSB House, Chatham Maritime, Chatham, GBR, ME4 4QZ

Website https://www.osb.co.uk

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.

74GF Score

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£5.35

Price

£5.14

GF Value

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