OSBGF (OSB Group) Retained Earnings: $4,627.8 Mil (As of Dec. 2025)


OSBGF OSB Group PLC OSBGF
67 GF Score
Price $6.65
GF Value $6.46
Valuation Fairly Valued
! 1 Warning Sign
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What is OSB Group Retained Earnings?

OSB Group OSBGF 67 Retained Earnings is $4,627.8 Mil as of Dec. 2025. GuruFocus rates OSBGF with a GF Score™ of 67/100 and a GF Value™ of $6.46 (Fairly Valued). The stock has 1 warning sign investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. OSB Group's retained earnings for the quarter that ended in Dec. 2025 was $4,627.8 Mil.

OSB Group's quarterly retained earnings increased from Dec. 2024 ($4,306.4 Mil) to Jun. 2025 ($4,563.2 Mil) and increased from Jun. 2025 ($4,563.2 Mil) to Dec. 2025 ($4,627.8 Mil).

OSB Group's annual retained earnings increased from Dec. 2023 ($4,215.4 Mil) to Dec. 2024 ($4,306.4 Mil) and increased from Dec. 2024 ($4,306.4 Mil) to Dec. 2025 ($4,627.8 Mil).


OSB Group  (OTCPK:OSBGF) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.


OSB Group Retained Earnings Historical Data

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The historical data trend for OSB Group's Retained Earnings 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 Retained Earnings Chart

OSB Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Retained Earnings
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4,275.40 4,128.38 4,215.44 4,306.45 4,627.85

OSB Group Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Retained Earnings Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 4,215.44 4,290.59 4,306.45 4,563.23 4,627.85
OSBGF
67GF Score
OSB Group PLC OSBGF
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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OSB Group Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

Frequently Asked Questions Learn more about Retained Earnings →
What does a Retained Earnings of $4,627.8 Mil mean?
OSB Group (OSBGF) has a Retained Earnings of $4,627.8 Mil as of Dec. 2025. Retained earnings is the amount of net income not issued to shareholders. View historical data on OSB Group and its competitors.
Is OSB Group's Retained Earnings too high?
OSB Group's current Retained Earnings is $4,627.8 Mil. 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 Retained Earnings compare to RKT and FNMA?
OSB Group's Retained Earnings of $4,627.8 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Retained Earnings for a Banks company?
A good Retained Earnings depends on the Banks industry context. However, Retained Earnings 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 Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on OSB Group and its competitors. OSB Group's current Retained Earnings is $4,627.8 Mil. 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 $6.46, compared to a current price of $6.65 — trading 2.9% above its estimated fair value. The current Retained Earnings is $4,627.8 Mil. 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 Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For OSB Group (OSBGF), the current Retained Earnings is $4,627.8 Mil 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 2.9% above its estimated GF Value™ of $6.46. GuruFocus considers OSB Group to be Fairly Valued.

Key valuation signals for OSBGF:

  • Retained Earnings: $4,627.8 Mil
  • GF Value™: $6.46 vs. price of $6.65 (2.9% above fair value)
  • GF Score™: 67/100 with 1 warning sign

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 Business Description

Other Exchanges OSBl:UKOSB:UK2UK:Germany
Address Quayside, OSB House, Chatham Maritime, Chatham, GBR, ME4 4QZ
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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Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$6.65
Price
$6.46
GF Value