OSB GroupLSE:OSB +0.55%75 Net Debt Paydown Yield % is 6.20% as of Jul. 06, 2026. GuruFocus rates LSE:OSB with a GF Score™ of 75/100 and a GF Value™ of £5.14 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,420 Banks companies, OSB Group ranks better than 78.1% on this metric.
Net Debt Paydown Yield % is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. It is a measure of a company's willingness and ability to reduce its debt.
As of today, OSB Group's Net Debt Paydown Yield % was 6.20%.
OSB Group (LSE:OSB) Net Debt Paydown Yield % Explanation
Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced. In other words, it is a measure of the willingness and ability of a firm's management to pay down debt. Companies that have high debt paydown yields indicate that they are more aggressive with paying down debt.
In the calculation of Net Debt Paydown Yield %, we use the reductions of TTM average total debt one-year-ago and TTM average total debt at present, divided by its Market Cap.
OSB Group Net Debt Paydown Yield % Historical Data
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The historical data trend for OSB Group's Net Debt Paydown Yield % 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.
LSE:OSB vs RKT, FNMA, PFSI: Net Debt Paydown Yield % Comparison
For the Mortgage Finance subindustry, OSB Group's Net Debt Paydown Yield %, along with its competitors' market caps and Net Debt Paydown Yield % 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 Net Debt Paydown Yield % vs Banks Industry
For the Banks industry and Financial Services sector, OSB Group's Net Debt Paydown Yield % distribution charts can be found below:
* The bar in red indicates where OSB Group's Net Debt Paydown Yield % falls into.
* 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.
* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Net Debt Paydown Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.
What does a Net Debt Paydown Yield % of 6.20% mean?
OSB Group (LSE:OSB) has a Net Debt Paydown Yield % of 6.20% as of Jul. 06, 2026. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on OSB Group and its competitors. According to the industry distribution chart, OSB Group ranks #311 out of 1420 companies in the Banks industry, placing it in the top 21.9%.
Is OSB Group's Net Debt Paydown Yield % too high?
OSB Group's current Net Debt Paydown Yield % is 6.20%. Based on the distribution chart, OSB Group ranks #311 out of 1420 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, OSB Group has a GF Score™ of 75/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does OSB Group's Net Debt Paydown Yield % compare to RKT and FNMA?
According to the Banks industry distribution chart, OSB Group ranks #311 out of 1420 companies for Net Debt Paydown Yield %. This places OSB Group in the top 22% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Debt Paydown Yield % for a Banks company?
A good Net Debt Paydown Yield % depends on the Banks industry context. However, Net Debt Paydown Yield % 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 Net Debt Paydown Yield % mean?
A high Net Debt Paydown Yield % can signal that a stock is expensive relative to its fundamentals. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on OSB Group and its competitors. OSB Group's current Net Debt Paydown Yield % is 6.20%. 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 £5.44 — trading 5.8% above its estimated fair value. The current Net Debt Paydown Yield % is 6.20%. OSB Group's overall GF Score™ is 75/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Debt Paydown Yield % calculated?
Net Debt Paydown Yield % is calculated from a company's financial statements. For OSB Group (LSE:OSB), the current Net Debt Paydown Yield % is 6.20% as of Jul. 06, 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 (LSE:OSB) Overvalued in 2026?
Based on GuruFocus' analysis, OSB Group stock appears to be overvalued.
The current stock price of £5.44 is trading 5.8% above its estimated GF Value™ of £5.14.
GuruFocus considers OSB Group to be Fairly Valued.
Key valuation signals for LSE:OSB:
Net Debt Paydown Yield %: 6.20%
GF Value™: £5.14 vs. price of £5.44 (5.8% above fair value)
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 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.
75GF Score
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