OSBGF (OSB Group) Scaled Net Operating Assets: 0.05 (As of Dec. 2025)


OSBGF OSB Group PLC OSBGF
67 GF Score
Price $6.65
GF Value $6.49
Valuation Fairly Valued
! 1 Warning Sign
View Full Analysis

What is OSB Group Scaled Net Operating Assets?

OSB Group OSBGF 67 Scaled Net Operating Assets is 0.05 as of Dec. 2025. GuruFocus rates OSBGF with a GF Score™ of 67/100 and a GF Value™ of $6.49 (Fairly Valued). The stock has 1 warning sign investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

OSB Group's operating assets for the quarter that ended in Dec. 2025 was $38,107.5 Mil. OSB Group's operating liabilities for the quarter that ended in Dec. 2025 was $35,911.9 Mil. OSB Group's Total Assets for the quarter that ended in Jun. 2025 was $41,095.7 Mil. Therefore, OSB Group's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.05.

OSBGF
67GF Score
OSB Group PLC OSBGF
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

OSB Group Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

OSB Group's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(38107.497-35911.915)/38234.64
=0.06

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=41663.588 - 3556.091
=38107.497

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=38589.023 - 2677.108 - 0
=35911.915

OSB Group's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Jun. 2025 )
=(38107.497-35911.915)/41095.658
=0.05

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=41663.588 - 3556.091
=38107.497

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=38589.023 - 2677.108 - 0
=35911.915

* 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 Scaled Net Operating Assets of 0.05 mean?
OSB Group (OSBGF) has a Scaled Net Operating Assets of 0.05 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on OSB Group and its competitors.
Is OSB Group's Scaled Net Operating Assets too high?
OSB Group's current Scaled Net Operating Assets is 0.05. 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 Scaled Net Operating Assets compare to RKT and FNMA?
OSB Group's Scaled Net Operating Assets of 0.05 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on OSB Group and its competitors. OSB Group's current Scaled Net Operating Assets is 0.05. 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 $6.49, compared to a current price of $6.65 — trading 2.5% above its estimated fair value. The current Scaled Net Operating Assets is 0.05. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For OSB Group (OSBGF), the current Scaled Net Operating Assets is 0.05 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 2.5% above its estimated GF Value™ of $6.49. GuruFocus considers OSB Group to be Fairly Valued.

Key valuation signals for OSBGF:

  • Scaled Net Operating Assets: 0.05
  • GF Value™: $6.49 vs. price of $6.65 (2.5% 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

Get the complete analysis for OSBGF

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$6.65
Price
$6.49
GF Value