OneSavings Bank PLC (OSB) — Financial Flexibility Index

Latest as of June 2026: 0.02x

OneSavings Bank PLC (OSB) has a Financial Flexibility Index of 0.02x as of June 2026. Free cash flow of GBX669.90 Million (operating CF GBX657.30 Million minus capex GBX12.60 Million) represents 0% of total liabilities (GBX28.12 Billion). Check OSB total capital reinvestment ratio to assess the company's total reinvestment commitment from operating cash flow.

Financial Flexibility Index

0.02x
Free Cash Flow / Total Liabilities

Free Cash Flow

GBX669.90 Million
Operating CF − Capex

Total Liabilities

GBX28.12 Billion
GBX

Capital Expenditures

GBX12.60 Million
GBX

OneSavings Bank PLC Financial Flexibility Index (2011–2025)

Historical Financial Flexibility Index trend for OneSavings Bank PLC across 15 annual periods. For the full cash flow conversion analysis, see OneSavings Bank PLC (OSB) cash flow conversion.

Annual Financial Flexibility Index for OneSavings Bank PLC (2011–2025)

Year-by-year free cash flow to debt coverage for OneSavings Bank PLC. Explore OneSavings Bank PLC (OSB) debt coverage ratio to assess how comfortably operating cash covers total debt obligations.

Year Flexibility Index Free Cash Flow (GBX) Operating CF Total Liabilities YoY Change
2025 0.01x GBX241.50 Million GBX208.60 Million GBX28.99 Billion ▼ -89.8%
2024 0.08x GBX2.28 Billion GBX2.24 Billion GBX28.02 Billion ▲ +15393.3%
2023 0.00x GBX-14.60 Million GBX-40.40 Million GBX27.45 Billion ▼ -103.1%
2022 0.02x GBX440.20 Million GBX428.50 Million GBX25.37 Billion ▲ +185.9%
2021 -0.02x GBX-454.90 Million GBX-461.70 Million GBX22.51 Billion ▼ -338.6%
2020 0.01x GBX177.70 Million GBX170.20 Million GBX20.98 Billion ▲ +132.3%
2019 -0.03x GBX-524.50 Million GBX-536.10 Million GBX20.00 Billion ▼ -222.1%
2018 -0.01x GBX-79.80 Million GBX-85.80 Million GBX9.80 Billion ▲ +94.5%
2017 -0.15x GBX-1.20 Billion GBX-1.21 Billion GBX8.01 Billion ▼ -1.9%
2016 -0.15x GBX-902.00 Million GBX-909.70 Million GBX6.16 Billion ▲ +25.0%
2015 -0.20x GBX-1.10 Billion GBX-1.11 Billion GBX5.65 Billion ▼ -13.6%
2014 -0.17x GBX-805.06 Million GBX-808.04 Million GBX4.69 Billion ▼ -134.1%
2013 -0.07x GBX-264.78 Million GBX-266.34 Million GBX3.61 Billion ▼ -253.2%
2012 0.05x GBX138.52 Million GBX135.27 Million GBX2.89 Billion ▲ +722.7%
2011 -0.01x GBX-17.42 Million GBX-17.70 Million GBX2.27 Billion —
Financial Flexibility Index = (Operating CF − Capex) / Total Liabilities = Free Cash Flow / Total Liabilities