OSB GroupLSE:OSB -0.65%74 Dividend Payout Ratio is 0.30 as of Dec. 2025, which is at its 10-year median of 0.30. 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. Among 1,168 Banks companies, OSB Group ranks worse than 71.58% on this metric.
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. OSB Group's Dividend Payout Ratio for the
months ended in Dec. 2025 was 0.30.
The historical rank and industry rank for OSB Group's Dividend Payout Ratio or its related term are showing as below:
LSE:OSB'
s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.22 Med: 0.3 Max: 0.49
Current: 0.46
During the past 13 years, the highest Dividend Payout Ratio of OSB Group was 0.49. The lowest was 0.22. And the median was 0.30.
LSE:OSB's Dividend Payout Ratio is ranked worse than 71.58% of 1168
companies
in the Banks industry
Industry Median: 0.32
vs LSE:OSB: 0.46
During the past 12 months, OSB Group's average Dividends Per Share Growth Rate was 4.90% per year.
During the past 3 years, the average Dividends Per Share Growth Rate was 4.60% per year.
During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of OSB Group was 32.10% per year. The lowest was 4.60% per year. And the median was 17.70% per year.
The growth rate is calculated with least square regression.
For more information regarding to dividend, please check our Dividend Page.
* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.
OSB Group (LSE:OSB) Dividend Payout Ratio Explanation
In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.
OSB Group Dividend Payout Ratio Related Terms
OSB Group Dividend Payout Ratio Historical Data
* Premium members only.
The historical data trend for OSB Group's Dividend Payout Ratio 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: Dividend Payout Ratio Comparison
For the Mortgage Finance subindustry, OSB Group's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Banks Industry
For the Banks industry and Financial Services sector, OSB Group's Dividend Payout Ratio distribution charts can be found below:
* The bar in red indicates where OSB Group's Dividend Payout Ratio falls into.
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.
OSB Group's Dividend Payout 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 (LSE:OSB) has a Dividend Payout Ratio of 0.30 as of Dec. 2025. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on OSB Group and its competitors. This is near median its historical median of 0.30. Over the past decade, OSB Group's Dividend Payout Ratio has ranged from 0.22 to 0.49. According to the industry distribution chart, OSB Group ranks #836 out of 1168 companies in the Banks industry, placing it in the top 71.6%.
Is OSB Group's Dividend Payout Ratio too high?
OSB Group's current Dividend Payout Ratio of 0.30 is near median its 10-year median of 0.30. Over the past 10 years, this metric has ranged from a low of 0.22 to a high of 0.49. The Banks industry median Dividend Payout Ratio is 0.32. OSB Group's value of 0.30 is 6.3% below this industry median. Based on the distribution chart, OSB Group ranks #836 out of 1168 companies in the Banks industry, which is below the industry midpoint. 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 Dividend Payout Ratio compare to RKT and FNMA?
According to the Banks industry distribution chart, OSB Group ranks #836 out of 1168 companies for Dividend Payout Ratio. This places OSB Group in the lower half of its industry. The industry median Dividend Payout Ratio is 0.32. OSB Group's value of 0.30 is 6.3% below this benchmark. Historically, OSB Group's own Dividend Payout Ratio has ranged from 0.22 to 0.49 over the past decade. While the company's 10-year median is 0.30 vs. the industry median of 0.32, OSB Group has consistently been below 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 Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,168 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. OSB Group's current Dividend Payout Ratio of 0.30 is 6.3% below 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on OSB Group and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. OSB Group's current Dividend Payout Ratio is 0.30, which is near median its own 10-year median of 0.30. 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 Dividend Payout Ratio is 0.30, which is near median its 10-year median of 0.30 and 6.3% below the Banks industry median of 0.32. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For OSB Group (LSE:OSB), the current Dividend Payout Ratio is 0.30 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:
Dividend Payout Ratio: 0.30 (near median its 10-year median of 0.30)
GF Value™: £5.14 vs. price of £5.35 (4.1% above fair value)
Industry Position: 6.3% below the Banks median (#836 of 1168)
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.
74GF Score
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