OneSavings Bank Financials
| OSB Stock | 458.60 0.60 0.13% |
Operating Margin | PE Ratio 6.0342 | Profit Margin | Payout Ratio 0.4293 | EPS Estimate Current Year 0.7575 |
OneSavings | Select Account or Indicator |
Please note, the presentation of OneSavings Bank's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, OneSavings Bank's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of OneSavings Bank's management manipulating its earnings.
OneSavings Bank Stock Summary
OneSavings Bank competes with Kaufman Et, United Airlines, Trainline Plc, EVS Broadcast, and Southwest Airlines. OneSavings Bank is entity of United Kingdom. It is traded as Stock on LSE exchange.| Foreign Associate | USA |
Specialization | Financial Services, Mortgage Finance |
| Instrument | UK Stock View All |
| Exchange | London Exchange |
| ISIN | GB00BLDRH360 |
| Business Address | OSB House, Chatham, |
| Sector | Thrifts & Mortgage Finance |
| Industry | Financials |
| Benchmark | Dow Jones Industrial |
| Website | www.osb.co.uk |
| Phone | 44 16 3484 8944 |
You should never invest in OneSavings Bank without having analyzed its financial statements. Do not rely on someone else's analysis or guesses about the future performance of OneSavings Stock, because this is throwing your money away. Analyzing the key information contained in OneSavings Bank's financial statements can give you an edge over other investors and help to ensure that your investments perform well for you.
OneSavings Bank Key Financial Ratios
There are many critical financial ratios that OneSavings Bank's investors are exposed to on a daily basis, but they are usually grouped into few meaningful categories from each financial statement that OneSavings Bank PLC reports annually and quarterly.| Revenue | 609.6 M | ||||
| Gross Profit | 680 M | ||||
| EBITDA | 386.2 M | ||||
| Net Income | 282.6 M | ||||
| Total Asset | 29.59 B |
OneSavings Bank Key Balance Sheet Accounts
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 (projected) | ||
| Total Assets | 22.7B | 24.5B | 27.6B | 29.6B | 34.0B | 35.7B | |
| Other Current Liab | (600K) | 17.6B | (504.3M) | 22.3B | 25.6B | 26.9B | |
| Net Debt | 1.7B | 2.1B | 2.3B | (2.3B) | (2.7B) | (2.6B) | |
| Retained Earnings | 1.6B | 3.2B | 3.4B | 3.3B | 3.8B | 4.0B | |
| Cash | 2.4B | 2.7B | 3.0B | 2.3B | 2.7B | 1.4B | |
| Other Assets | 1.0 | 19.4B | 21.3B | 23.9B | 27.5B | 28.8B | |
| Other Current Assets | 16.2M | 9.8M | 9.9M | 26.6M | 30.6M | 32.1M | |
| Total Liab | 21.0B | 22.5B | 25.4B | 27.4B | 31.6B | 33.1B | |
| Total Current Assets | 16.2M | 9.8M | 9.9M | 2.5B | 2.9B | 3.0B | |
| Intangible Assets | 20.6M | 18.4M | 12M | 26.1M | 30.0M | 31.5M | |
| Other Liab | 64.7M | 50.1M | 41.8M | 17.1M | 19.7M | 20.2M | |
| Net Tangible Assets | 1.4B | 1.6B | 2.0B | 2.2B | 2.5B | 2.6B | |
| Accounts Payable | (1.0) | 16.7B | 1.0 | 19.9B | 1.15 | 1.09 | |
| Short Term Debt | 1.1B | 44.1M | 503.7M | 325.9M | 374.8M | 290.4M | |
| Net Invested Capital | 2.1B | 2.5B | 2.5B | 3.5B | 4.1B | 2.2B |
OneSavings Bank Key Income Statement Accounts
An income statement is very similar to a cash flow statement, but instead of showing net revenue minus expenses, it only includes earnings before interest and taxes (EBIT). This number does not have all of the same line items that are on a cash flow statement, but it leaves out non-cash expenses like depreciation and amortization. For example, if you bought $100 worth of goods from Walmart (WMT) using your debit card that has an interest rate of 20%, then paid off the balance at the end of the month with a credit card that charges 30% interest, you would have an income statement showing EBIT of $80 because your expenses are lower than the amount that went into your pocket.
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 (projected) | ||
| Interest Expense | 15.9M | 11.5M | 78.4M | 1.1B | 1.3B | 1.3B | |
| Total Revenue | 740.9M | 758.7M | 1.1B | 609.6M | 701.0M | 411.6M | |
| Operating Income | 284.6M | 472M | 542.3M | 376.7M | 433.2M | 239.1M | |
| Ebit | (43.5M) | (26.6M) | (33.2M) | 374.3M | 430.4M | 452.0M | |
| Ebitda | (29.7M) | (12.1M) | (19.8M) | 386.2M | 444.1M | 466.3M | |
| Income Before Tax | 260.4M | 464.6M | 531.5M | 374.3M | 430.4M | 215.7M | |
| Net Income | 196.3M | 345.3M | 410M | 282.6M | 325.0M | 164.3M | |
| Income Tax Expense | 64.1M | 119.3M | 121.5M | 91.7M | 105.5M | 110.7M | |
| Gross Profit | 740.9M | 758.7M | 1.1B | 1.8B | 2.0B | 2.1B | |
| Tax Provision | 64.1M | 119.3M | 121.5M | 91.7M | 105.5M | 78.8M | |
| Net Interest Income | 472.2M | 587.6M | 710.5M | 659.5M | 758.4M | 487.2M | |
| Interest Income | 867M | 903.6M | 1.1B | 1.8B | 2.0B | 2.1B |
OneSavings Bank Key Cash Accounts
Cash flow analysis captures how much money flows into and out of OneSavings Bank PLC. It measures of how well OneSavings is doing because it can show the actual money that comes into and out of the Company from sales instead of measuring expenses against revenue to determine earnings. You have to read the cash flow statement in three sections. The first section shows how much money OneSavings Bank brought in, usually known as net revenue or sales. This is different from earnings because it does not include expenses when determining net revenue for use on this part of the cash flow statement. Next, are operating activities, which show how much money OneSavings had leftover after paying for its expenses. This number can be calculated in two ways: by subtracting the total of all operating expenses from net revenue or by adding up changes to cash and other assets or liabilities on this part of the statement. The third section is about investing activities, which shows what OneSavings Bank has done with the money that it received from the sale of assets or what it spent to acquire new ones. This section can be broken down into two parts: investing in existing businesses (in other words, buying more stock) and investing in non-business activities like paying off debt or making acquisitions.
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 (projected) | ||
| Free Cash Flow | 162.7M | (468.5M) | 416.8M | 6.8M | 7.8M | 8.2M | |
| Depreciation | 13.8M | 14.5M | 13.4M | 11.9M | 13.7M | 14.4M | |
| Other Non Cash Items | 19.5M | 9.6M | (100.3M) | 154.8M | 178.0M | 186.9M | |
| Capital Expenditures | 7.5M | 6.8M | 11.7M | 25.8M | 29.7M | 31.2M | |
| Net Income | 190.8M | 464.6M | 531.5M | 282.6M | 325.0M | 188.7M | |
| End Period Cash Flow | 2.4B | 2.7B | 3.0B | 2.5B | 2.9B | 1.5B | |
| Change In Cash | 267.8M | 366.1M | 307.4M | (530.1M) | (609.6M) | (579.1M) | |
| Investments | 216.4M | 79.5M | 63.2M | (301.2M) | (271.1M) | (257.5M) | |
| Net Borrowings | 533.1M | 885.6M | 761.3M | 103.4M | 118.9M | 113.0M | |
| Change To Netincome | 8.7M | 800K | (22.5M) | 29M | 26.1M | 27.4M |
OneSavings Financial Ratios Relationships
Comparative valuation techniques use various fundamental indicators to help in determining OneSavings Bank's current stock value. Our valuation model uses many indicators to compare OneSavings Bank value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across OneSavings Bank competition to find correlations between indicators driving OneSavings Bank's intrinsic value. More Info.OneSavings Bank PLC is considered to be number one stock in return on equity category among its peers. It also is considered to be number one stock in return on asset category among its peers reporting about 0.07 of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for OneSavings Bank PLC is roughly 13.70 . The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the OneSavings Bank's earnings, one of the primary drivers of an investment's value.OneSavings Bank PLC Systematic Risk
OneSavings Bank's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. OneSavings Bank volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was five with a total number of output elements of fifty-six. The Beta measures systematic risk based on how returns on OneSavings Bank PLC correlated with the market. If Beta is less than 0 OneSavings Bank generally moves in the opposite direction as compared to the market. If OneSavings Bank Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one OneSavings Bank PLC is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of OneSavings Bank is generally in the same direction as the market. If Beta > 1 OneSavings Bank moves generally in the same direction as, but more than the movement of the benchmark.
OneSavings Bank PLC Total Assets Over Time
OneSavings Bank Thematic Clasifications
OneSavings Bank PLC is part of Investing investing theme. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. Money and asset management including investment banking. Companies involved in money management and investment banking services
This theme covers Money and asset management including investment banking. Companies involved in money management and investment banking services. Get More Thematic Ideas
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OneSavings Bank March 24, 2025 Opportunity Range
Along with financial statement analysis, the daily predictive indicators of OneSavings Bank help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of OneSavings Bank PLC. We use our internally-developed statistical techniques to arrive at the intrinsic value of OneSavings Bank PLC based on widely used predictive technical indicators. In general, we focus on analyzing OneSavings Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build OneSavings Bank's daily price indicators and compare them against related drivers.
| Downside Deviation | 2.33 | |||
| Information Ratio | 0.1022 | |||
| Maximum Drawdown | 9.39 | |||
| Value At Risk | (3.04) | |||
| Potential Upside | 3.88 |
Complementary Tools for OneSavings Stock analysis
When running OneSavings Bank's price analysis, check to measure OneSavings Bank's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy OneSavings Bank is operating at the current time. Most of OneSavings Bank's value examination focuses on studying past and present price action to predict the probability of OneSavings Bank's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move OneSavings Bank's price. Additionally, you may evaluate how the addition of OneSavings Bank to your portfolios can decrease your overall portfolio volatility.
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