OSBGF (OSB Group) Moat Score : 5/10 (As of Jun. 28, 2025)

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What is OSB Group Moat Score?

OSB Group has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

OSB Group has Narrow Moat: OSB Group PLC has a solid narrow moat due to its strong brand in the UK mortgage market and economies of scale. However, it lacks significant network effects or unique intellectual property, limiting its moat to a narrow category.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes OSB Group might have Narrow Moat - Solid narrow moat.

Competitive Comparison of OSB Group's Moat Score

For the Mortgage Finance subindustry, OSB Group's Moat Score, along with its competitors' market caps and Moat 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's Moat Score Distribution in the Banks Industry

For the Banks industry and Financial Services sector, OSB Group's Moat Score distribution charts can be found below:

* The bar in red indicates where OSB Group's Moat Score falls into.

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OSB Group (OTCPK:OSBGF) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score	Moat Level
10	Wide Moat - Exceptionally dominant and durable wide moat
8 - 9	Wide Moat - Clear and robust wide moat
7	Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6	Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5	Narrow Moat - Solid narrow moat
4	Narrow Moat - Discernible but modest moat
1 - 3	No Moat - Very weak/transient advantages
0	No Moat - No discernible moat

OSB Group Moat Score Related Terms

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OSB Group Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » OSB Group PLC (OTCPK:OSBGF) » Definitions » Moat Score

Comparable Companies

Traded in Other Exchanges

OSBl:UK OSB:UK 2UK:Germany

Address

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

Website

https://www.osb.co.uk

OSB Group PLC is a specialist mortgage lender, focused on carefully selected segments of the mortgage market. The company provides loans to entities and individuals, secured on residential property held for investment purposes and secured on commercial and semi-commercial properties held for investment purposes or for owner-occupation. It provides development loans to small- and medium-sized developers of residential property. The company also provides funding lines (loans) to non-bank finance companies secured against portfolios of financial assets, principally mortgages and leases, and loans under hire purchase, leasing, and refinancing arrangements to UK SMEs and small corporates to finance business-critical assets.