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OSB GroupCHIX:OSBL +1.89%79 Forward Rate of Return (Yacktman) % is 22.59% as of Dec. 2025. GuruFocus rates CHIX:OSBL with a GF Score™ of 79/100 and a GF Value™ of £5.29 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,418 Banks companies, OSB Group ranks better than 75.74% on this metric.
Yacktman defines forward rate of return as the normalized free cash flow yield plus real growth plus inflation. OSB Group's forward rate of return for was 22.59%.
The historical rank and industry rank for OSB Group's Forward Rate of Return (Yacktman) % or its related term are showing as below:
CHIX:OSBl'
s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -23.46 Med: -2.41 Max: 25.88
Current: 25.36
During the past 13 years, OSB Group's highest Forward Rate of Return was 25.88. The lowest was -23.46. And the median was -2.41.
CHIX:OSBl's Forward Rate of Return (Yacktman) % is ranked better than 75.74% of 1418
companies
in the Banks industry
Industry Median: 15.345
vs CHIX:OSBl: 25.36
Unlike the Earnings Yield %, the Forward Rate of Return uses the normalized Free Cash Flow of the past five years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.
OSB Group (CHIX:OSBl) Forward Rate of Return (Yacktman) % Explanation
Unlike the Earnings Yield, the Forward Rate of Return uses the normalized Free Cash Flow of the past five years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.
For the growth part of the Forward Rate of Return calculation, GuruFocus uses the 5-year average growth rate of Book Value per share as the growth rate, and the growth rate is always capped at 20%. For the Free Cash Flow we use per share data averaged over five years. The reason we use five years is to make it comparable to the growth rate.
Be Aware
In the Forward Rate of Return calculation, the growth rate is added directly to today's free cash flow yield. Therefore the calculation is reliable only if the company can grow at the same rate in the future as it did in the past. Investors should pay close attention to this when researching growth stocks. A more accurate measurement for return is Return on Capital.
OSB Group Forward Rate of Return (Yacktman) % Related Terms
OSB Group Forward Rate of Return (Yacktman) % Historical Data
* Premium members only.
The historical data trend for OSB Group's Forward Rate of Return (Yacktman) % 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 Forward Rate of Return (Yacktman) % Chart
CHIX:OSBL vs RKT, FNMA, PFSI: Forward Rate of Return (Yacktman) % Comparison
For the Mortgage Finance subindustry, OSB Group's Forward Rate of Return (Yacktman) %, along with its competitors' market caps and Forward Rate of Return (Yacktman) % 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 Forward Rate of Return (Yacktman) % vs Banks Industry
For the Banks industry and Financial Services sector, OSB Group's Forward Rate of Return (Yacktman) % distribution charts can be found below:
* The bar in red indicates where OSB Group's Forward Rate of Return (Yacktman) % falls into.
OSB Group Forward Rate of Return (Yacktman) % Calculation
Forward Rate of Return is a concept that Don Yacktman uses in his investment approach. Yacktman explained the forward rate of return concept in detail in his interview with GuruFocus. Yacktman defines forward rate of return as the normalized free cash flow yield plus real growth plus inflation. He said in the interview (March 2012, when the S&P 500 was at about 1400):
If the business is stable, this calculation is fairly straightforward. For instance, on the S&P 500 we would normalize earnings. We would then calculate what percentage of those earnings are not reinvested in the underlying businesses and are therefore free. Historically, for the S&P 500, this has been just under 50% of earnings. Currently, we expect the S&P to earn about 70 on a normalized basis, a number which is far below reported earnings due to our adjusting for record high profit margins. $70 X ½ / 1400 gives you a normalized free cash flow yield of approximately 2.5%.
The historical real growth rate of the S&P 500 (companies) is about 1.5%. Assuming an inflation rate of 2.5%, the forward rate of return on an investment in the S&P 500 is about 6.5% today (2.5% free cash flow yield plus 1.5% real growth plus 2.5% inflation).
OSB Group's Forward Rate of Return of Dec. 2025 is
Forward Rate of Return
=
Normalized Free Cash Flow
/
Price
+
5-Year Book Value Growth Rate
=
0.708
/
6.41
+
0.1148
=
22.53 %
* 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.
What does a Forward Rate of Return (Yacktman) % of 22.59% mean?
OSB Group (CHIX:OSBL) has a Forward Rate of Return (Yacktman) % of 22.59% as of Dec. 2025. Yacktman's forward rate of return equals the sum of normalized free-cash-flow yield plus earnings growth. View historical data on OSB Group and its competitors. According to the industry distribution chart, OSB Group ranks #344 out of 1418 companies in the Banks industry, placing it in the top 24.3%.
Is OSB Group's Forward Rate of Return (Yacktman) % too high?
OSB Group's current Forward Rate of Return (Yacktman) % is 22.59%. The Banks industry median Forward Rate of Return (Yacktman) % is 15.35. OSB Group's value of 22.59% is 47.2% above this industry median. Based on the distribution chart, OSB Group ranks #344 out of 1418 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 79/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does OSB Group's Forward Rate of Return (Yacktman) % compare to RKT and FNMA?
According to the Banks industry distribution chart, OSB Group ranks #344 out of 1418 companies for Forward Rate of Return (Yacktman) %. This places OSB Group in the top 24% of its industry — outperforming the majority of peers. The industry median Forward Rate of Return (Yacktman) % is 15.35. OSB Group's value of 22.59% is 47.2% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Forward Rate of Return (Yacktman) % for a Banks company?
The median Forward Rate of Return (Yacktman) % among Banks companies is 15.35, based on 1,418 companies in the industry. Companies in the top quartile (top 25%) have a Forward Rate of Return (Yacktman) % significantly above this median, while those in the bottom quartile fall well below. However, Forward Rate of Return (Yacktman) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. OSB Group's current Forward Rate of Return (Yacktman) % of 22.59% is 47.2% 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 Forward Rate of Return (Yacktman) % mean?
A high Forward Rate of Return (Yacktman) % can signal that a stock is expensive relative to its fundamentals. Yacktman's forward rate of return equals the sum of normalized free-cash-flow yield plus earnings growth. View historical data on OSB Group and its competitors. For the Banks industry, the median Forward Rate of Return (Yacktman) % is 15.35 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. OSB Group's current Forward Rate of Return (Yacktman) % is 22.59%. 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 (CHIX:OSBL) is currently considered Fairly Valued. The stock's GF Value™ is £5.29, compared to a current price of £5.11 — trading 3.4% below its estimated fair value. The current Forward Rate of Return (Yacktman) % is 22.59% and 47.2% above the Banks industry median of 15.35. OSB Group's overall GF Score™ is 79/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Forward Rate of Return (Yacktman) % calculated?
Forward Rate of Return (Yacktman) % is calculated from a company's financial statements. For OSB Group (CHIX:OSBL), the current Forward Rate of Return (Yacktman) % is 22.59% 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 (CHIX:OSBL) Overvalued in 2026?
Based on GuruFocus' analysis, OSB Group stock appears to be undervalued.
The current stock price of £5.11 is trading 3.4% below its estimated GF Value™ of £5.29.
GuruFocus considers OSB Group to be Fairly Valued.
Key valuation signals for CHIX:OSBL:
Forward Rate of Return (Yacktman) %: 22.59%
GF Value™: £5.29 vs. price of £5.11 (3.4% below fair value)
Industry Position: 47.2% above the Banks median (#344 of 1418)
No single metric tells the full story. See the CHIX:OSBL 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.
79GF Score
Get the complete analysis for CHIX:OSBL
Forward Rate of Return (Yacktman) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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