OSB GroupOSBGF 67 Net Margin % is 41.96% as of Dec. 2025, which is 13% below its 10-year median of 48.13. GuruFocus rates OSBGF with a GF Score™ of 67/100 and a GF Value™ of $6.44 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,526 Banks companies, OSB Group ranks better than 87.88% on this metric.
Net margin is calculated as Net Income divided by its Revenue. OSB Group's Net Income for the
six
months ended in Dec. 2025 was $192.2 Mil. OSB Group's Revenue for the
six
months ended in Dec. 2025 was $458.1 Mil. Therefore, OSB Group's net margin for the quarter that ended in Dec. 2025 was 41.96%.
The historical rank and industry rank for OSB Group's Net Margin % or its related term are showing as below:
OSBGF'
s Net Margin % Range Over the Past 10 Years
Min: 39.93 Med: 48.13 Max: 57.87
Current: 42.77
OSBGF's Net Margin % is ranked better than 87.88% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs OSBGF: 42.77
OSB Group (OTCPK:OSBGF) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
OSB Group Net Margin % Related Terms
OSB Group Net Margin % Historical Data
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The historical data trend for OSB Group's Net Margin % 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.
For the Mortgage Finance subindustry, OSB Group's Net Margin %, along with its competitors' market caps and Net Margin % 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 Margin % vs Banks Industry
For the Banks industry and Financial Services sector, OSB Group's Net Margin % distribution charts can be found below:
* The bar in red indicates where OSB Group's Net Margin % 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.
OSB Group (OSBGF) has a Net Margin % of 41.96% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on OSB Group and its competitors. This is 13% below median its historical median of 48.13. Over the past decade, OSB Group's Net Margin % has ranged from 39.93 to 57.87. According to the industry distribution chart, OSB Group ranks #185 out of 1526 companies in the Banks industry, placing it in the top 12.1%.
Is OSB Group's Net Margin % too high?
OSB Group's current Net Margin % of 41.96% is 13% below median its 10-year median of 48.13. Over the past 10 years, this metric has ranged from a low of 39.93 to a high of 57.87. The Banks industry median Net Margin % is 26.97. OSB Group's value of 41.96% is 55.6% above this industry median. Based on the distribution chart, OSB Group ranks #185 out of 1526 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 67/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does OSB Group's Net Margin % compare to RKT and FNMA?
According to the Banks industry distribution chart, OSB Group ranks #185 out of 1526 companies for Net Margin %. This places OSB Group in the top 12% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.97. OSB Group's value of 41.96% is 55.6% above this benchmark. Historically, OSB Group's own Net Margin % has ranged from 39.93 to 57.87 over the past decade. While the company's 10-year median is 48.13 vs. the industry median of 26.97, OSB Group has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. OSB Group's current Net Margin % of 41.96% is 55.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on OSB Group and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. OSB Group's current Net Margin % is 41.96%, which is 13% below median its own 10-year median of 48.13. 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 (OSBGF) is currently considered Fairly Valued. The stock's GF Value™ is $6.44, compared to a current price of $6.65 — trading 3.3% above its estimated fair value. The current Net Margin % is 41.96%, which is 13% below median its 10-year median of 48.13 and 55.6% above the Banks industry median of 26.97. OSB Group's overall GF Score™ is 67/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For OSB Group (OSBGF), the current Net Margin % is 41.96% 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 (OSBGF) Overvalued in 2026?
Based on GuruFocus' analysis, OSB Group stock appears to be overvalued.
The current stock price of $6.65 is trading 3.3% above its estimated GF Value™ of $6.44.
GuruFocus considers OSB Group to be Fairly Valued.
Key valuation signals for OSBGF:
Net Margin %: 41.96% (13% below median its 10-year median of 48.13)
GF Value™: $6.44 vs. price of $6.65 (3.3% above fair value)
Industry Position: 55.6% above the Banks median (#185 of 1526)
No single metric tells the full story. See the OSBGF 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.
67GF Score
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