OneSavings Bank PLC (OSB) - Net Assets

Latest as of June 2026: GBX2.23 Billion GBX ≈ $271.73K USD

Based on the latest financial reports, OneSavings Bank PLC (OSB) has net assets worth GBX2.23 Billion GBX (≈ $271.73K USD) as of June 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (GBX30.35 Billion ≈ $3.69 Million USD) and total liabilities (GBX28.12 Billion ≈ $3.42 Million USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check OneSavings Bank PLC strategic asset allocation index to assess the company's strategic physical and investment asset allocation.

Key Net Assets Metrics

Metric	Value
Current Net Assets	GBX2.23 Billion
% of Total Assets	7.36%
Annual Growth Rate	25.32%
5-Year Change	5.2%
10-Year Change	408.99%
Growth Volatility	29.42

OneSavings Bank PLC - Net Assets Trend (2011–2025)

This chart illustrates how OneSavings Bank PLC's net assets have evolved over time, based on quarterly financial data. For live market cap and overall valuation, see market value of OneSavings Bank PLC.

Annual Net Assets for OneSavings Bank PLC (2011–2025)

The table below shows the annual net assets of OneSavings Bank PLC from 2011 to 2025. Also explore net asset momentum of OneSavings Bank PLC to track the company's year-over-year net asset growth rate.

Year	Net Assets	Change
2025-12-31	GBX2.13 Billion ≈ $259.11K	-4.22%
2024-12-31	GBX2.22 Billion ≈ $270.52K	+3.68%
2023-12-31	GBX2.14 Billion ≈ $260.92K	-2.57%
2022-12-31	GBX2.20 Billion ≈ $267.80K	+8.72%
2021-12-31	GBX2.02 Billion ≈ $246.31K	+20.72%
2020-12-31	GBX1.68 Billion ≈ $204.03K	+18.34%
2019-12-31	GBX1.42 Billion ≈ $172.41K	+115.22%
2018-12-31	GBX658.40 Million ≈ $80.11K	+13.75%
2017-12-31	GBX578.80 Million ≈ $70.42K	+38.34%
2016-12-31	GBX418.40 Million ≈ $50.91K	+31.04%
2015-12-31	GBX319.30 Million ≈ $38.85K	+27.92%
2014-12-31	GBX249.60 Million ≈ $30.37K	+60.85%
2013-12-31	GBX155.18 Million ≈ $18.88K	+33.86%
2012-12-31	GBX115.93 Million ≈ $14.10K	+28.32%
2011-12-31	GBX90.34 Million ≈ $10.99K	--

Equity Component Analysis

This analysis shows how different components contribute to OneSavings Bank PLC's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.

Equity Composition Insights

Retained earnings have grown by 346866300000.0% over the analyzed period, indicating profitable operations and earnings retention.

Current Equity Component Breakdown (December 2025)

Component	Amount	Percentage
Retained Earnings	GBX3.46 Billion	162.33%
Common Stock	GBX3.60 Million	0.17%
Other Comprehensive Income	GBX-1.34 Billion	-62.78%
Other Components	GBX6.00 Million	0.28%
Total Equity	GBX2.13 Billion	100.00%

OneSavings Bank PLC Competitors by Market Cap

The table below lists competitors of OneSavings Bank PLC ranked by their market capitalization.

Company	Market Cap
SynCore Biotechnology Co Ltd TWO:4192	$20.88 Million
DEER HORN METS F:G1J	$20.89 Million
YoungWoo DSP Co.Ltd KQ:143540	$20.89 Million
TPC Plus Bhd KLSE:7176	$20.89 Million
Lodzia TA:LODZ	$20.88 Million
Greenyield Bhd KLSE:0136	$20.87 Million
Skandia Greenpower AS OL:SKAND	$20.87 Million
Retractable Technologies Inc NYSE MKT:RVP	$20.86 Million

Equity Growth Attribution

This analysis shows how different factors contributed to changes in OneSavings Bank PLC's equity between the two most recent reporting periods.

Equity Growth Insights

From 2024 to 2025, total equity changed from 2,223,400,000 to 2,129,600,000, a change of -93,800,000 (-4.2%).
Net income of 285,700,000 contributed positively to equity growth.
Dividend payments of 125,500,000 reduced retained earnings.
Share repurchases of 89,400,000 reduced equity.
New share issuances of 1,400,000 increased equity.
Other comprehensive income decreased equity by 145,800,000.

Equity Change Factors (2024 to 2025)

Factor	Impact	Contribution
Net Income	GBX285.70 Million	+13.42%
Dividends Paid	GBX125.50 Million	-5.89%
Share Repurchases	GBX89.40 Million	-4.2%
Share Issuances	GBX1.40 Million	+0.07%
Other Comprehensive Income	GBX-145.80 Million	-6.85%
Other Changes	GBX-20.20 Million	-0.95%
Total Change	GBX-	-4.22%

Book Value vs Market Value Analysis

This analysis compares OneSavings Bank PLC's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.

Valuation Insights

Current price-to-book ratio: 89.46x
The company is trading at a significant premium to its book value, suggesting the market values its earnings potential, brand, or other intangibles highly.
The price-to-book ratio has decreased from 1369.56x to 89.46x over the analyzed period, indicating reduced market premium.

Historical Price-to-Book Ratios

Date	Book Value per Share	Market Price	P/B Ratio
2011-12-31	GBX0.37	GBX509.00	x
2012-12-31	GBX0.48	GBX509.00	x
2013-12-31	GBX0.64	GBX509.00	x
2014-12-31	GBX1.07	GBX509.00	x
2015-12-31	GBX1.31	GBX509.00	x
2016-12-31	GBX1.71	GBX509.00	x
2017-12-31	GBX2.36	GBX509.00	x
2018-12-31	GBX2.67	GBX509.00	x
2019-12-31	GBX4.83	GBX509.00	x
2020-12-31	GBX3.59	GBX509.00	x
2021-12-31	GBX4.47	GBX509.00	x
2022-12-31	GBX4.93	GBX509.00	x
2023-12-31	GBX5.09	GBX509.00	x
2024-12-31	GBX5.63	GBX509.00	x
2025-12-31	GBX5.69	GBX509.00	x

Capital Efficiency Dashboard

This dashboard shows how efficiently OneSavings Bank PLC utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.

Capital Efficiency Insights

Current Return on Equity (ROE): 13.42%
The company shows good efficiency in utilizing shareholder equity.
DuPont Analysis Breakdown:
• Net Profit Margin: 15.03%
• Asset Turnover: 0.06x
• Equity Multiplier: 14.61x
Recent ROE (13.42%) is below the historical average (15.42%), suggesting potential challenges in capital efficiency.

Historical Capital Efficiency Metrics

Year	Return on Equity	Net Profit Margin	Asset Turnover	Equity Multiplier	Economic Value Added
2011	-12.30%	-21.16%	0.02x	26.08x	GBX-20.15 Million
2012	7.82%	49.17%	0.01x	25.95x	GBX-2.53 Million
2013	17.25%	37.34%	0.02x	24.26x	GBX11.25 Million
2014	20.65%	40.68%	0.03x	19.78x	GBX26.58 Million
2015	26.33%	49.33%	0.03x	18.70x	GBX52.13 Million
2016	28.90%	57.87%	0.03x	15.73x	GBX79.06 Million
2017	21.92%	52.96%	0.03x	14.84x	GBX69.02 Million
2018	21.20%	49.56%	0.03x	15.89x	GBX73.76 Million
2019	11.21%	46.69%	0.02x	15.11x	GBX17.10 Million
2020	12.14%	27.73%	0.03x	14.01x	GBX34.61 Million
2021	17.06%	44.57%	0.03x	12.12x	GBX142.86 Million
2022	18.63%	36.46%	0.04x	12.52x	GBX189.90 Million
2023	13.18%	16.06%	0.06x	13.80x	GBX68.15 Million
2024	13.86%	14.71%	0.07x	13.60x	GBX85.76 Million
2025	13.42%	15.03%	0.06x	14.61x	GBX72.74 Million

Industry Comparison

This section compares OneSavings Bank PLC's net assets metrics with peer companies in the Mortgage Finance industry.

Industry Context

Industry: Mortgage Finance
Average net assets among peers: $40,402,000
Average return on equity (ROE) among peers: 15.78%

Peer Company Comparison

Company	Net Assets	Return on Equity	Debt-to-Equity	Market Cap
OneSavings Bank PLC (OSB)	GBX2.23 Billion	-12.30%	12.59x	$20.88 Million
Lendinvest PLC (LINV)	$20.61 Million	2.99%	20.46x	$489.36K
Mortgage Advice (MAB1)	$37.45 Million	33.06%	0.84x	$2.49 Million
Paragon Banking Group PLC (PAG)	$63.14 Million	11.28%	14.85x	$17.88 Million

About OneSavings Bank PLC

LSE:OSB UK Mortgage Finance

Market Cap

$20.88 Million

GBX171.61 Billion GBX

Market Cap Rank

#25069 Global

#243 in UK

Share Price

GBX509.00

Change (1 day)

+0.20%

52-Week Range

GBX484.20 - GBX643.50

All Time High

GBX643.50