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OneSavings Bank

Current Price 513.50p Bid 510.50p Ask 515.00p Change -5.08%
Last Updated: 05/04/2026 16:35. Prices delayed by at least 15 minutes.
Call 0113 243 6941 or search for your local office

Company Overview

Specialist lender and retail saving group offering residential, buy to let and commercial mortgages, secured loans and development finance. It primarily targets underserved market sub-sectors that offer high growth potential and attractive risk-adjusted returns in which it can take a leading position and where it has established expertise, platforms and capabilities. Its brands include: Kent Reliance, InterBay Commercial, Prestige Finance and Heritable Development Finance. Created in June 2014 it floated on the LSE in June 2015. The lender is primarily funded by retail savings originated through Kent Reliance and which includes online and postal channels.

Financial Highlights Year Ended 31/12/2025

Revenue
£679.40m
Operating Profit/Loss
£382.50m
Dividend yield (%)
5.50
Total dividend for year
n/ap
Dividend cover
2.14
P/E Ratio
8.50
More Financials

Key Personnel

Mr Andy Golding
Chief Executive Officer
Ms Victoria Hyde
Chief Financial Officer
Mr Kal Atwal
Independent Non-Executive Director
Mr Simon Walker
Independent Non-Executive Director
Mr David Weymouth
Non-Executive Chairman
Mr Henry Daubeney
Non-Executive Director
Mr Robin Bulloch
Non-Executive Director
Mr Sally Jones- Evans
Non-Executive Director
Mr Gareth J Hoskin
Senior Independent Director
Mr Noël Harwerth
Senior Independent Director

Stock Details

EPIC
OSBL
ISIN
GB00BM7S7K96
Shares in Issue
243.08m
Market cap
£1,248.22m

Analyst Views (3)

Strong Buy
 
0%
Buy
 
66.67%
Hold
 
33.33%
Sell
 
0%
Strong Sell
 
0%
This information is provided by Web Financial Group (UK) Limited. It is subject to change without notice and doesn't reflect the views held by Redmayne Bentley and is not advice.

Price Summary

Mid Price
513.50p
Bid Price
510.50p
Ask Price
515.00p
Volume
235,857
Change Today
-27.50p
% Change Today
-5.08%
Open
506.00p
Previous Close
513.50p
Intraday High
517.50p
Intraday Low
505.00p
52 Week High
645.25p
52 Week Low
391.50p
52 week high and low figures quoted above are calculated from intraday price data.

Intra-Day Chart

More Charts

Income Statement

Year End Date
31 Dec 2025
31 Dec 2024
 
£ (M)
£ (M)
Continuing Operations
Revenue
679.40
666.40
Operating Profit/Loss
382.50
418.10
Net Interest
n/a
n/a
Pre-Tax Profit
382.50
418.10
Profit After Tax from continuing operations
285.70
308.10
Discontinued Operations
Profit After Tax
n/a
n/a
Profit/Loss for the Year
285.70
308.10
Attributable to:
Equity Holders of Parent Company
285.70
308.10
Minority Interests
n/a
n/a
Total Dividend Paid
n/ap
n/ap
Retained Profit/(Loss) for the Financial Year
n/a
n/a

Earnings per Share

Year End Date
31 Dec 2025
31 Dec 2024
Basic
75.60p
77.60p
Diluted
73.60p
75.70p
Adjusted
75.60p
77.60p
Dividend per Share
n/ap
n/ap

Assets

Year End Date
31 Dec 2025
31 Dec 2024
 
£ (M)
£ (M)
Non-Current Assets
Property, Plant & Equipment
47.80
54.60
Intangible Assets
66.90
48.80
Investment Properties
n/a
n/a
Investments
1,814.50
1,434.40
Other Financial Assets
n/a
n/a
Other Non-Current Assets
1.50
n/a
Current Assets
Inventories
n/a
n/a
Trade & Other Receivables
n/a
n/a
Cash at Bank & In Hand
n/a
n/a
Current Asset Investments
n/a
n/a
Other Current Assets
1.70
14.80
Other Assets
216.70
158.80
Total Assets
31,122.70
30,243.60

Liabilities

Year End Date
31 Dec 2025
31 Dec 2024
 
£ (M)
£ (M)
Current Liabilities
Borrowings
n/a
n/a
Other Current Liabilities
n/a
n/a
Total Current Liabilities
n/a
n/a
Non-Current Liabilities
Borrowings
989.80
982.50
Provisions
23.90
17.70
Other Non-Current Liabilities
n/a
n/a
Total Non-Current Liabilities
1,013.70
1,000.20
Other Liabilities
234.70
141.30
Total Liabilities
28,826.00
28,020.20

Net Assets

Year End Date
31 Dec 2025
31 Dec 2024
 
£ (M)
£ (M)
Net Assets
2,296.70
2,223.40

Capital & Reserves

Year End Date
31 Dec 2025
31 Dec 2024
 
£ (M)
£ (M)
Share Capital
3.60
3.70
Share Premium Account
6.00
4.50
Other Reserves
-1,169.90
-1,191.20
Retained Earnings
3,457.00
3,406.40
Shareholders Funds
2,296.70
2,223.40
Minority Interests/Other Equity
n/a
n/a
Total Equity
2,296.70
2,223.40

Dividend History

Type
Ex-Dividend Date
Payment Date
Payment
Final
02 Apr 2026
13 May 2026
24.10p
Interim
28 Aug 2025
19 Sep 2025
11.20p
Final
27 Mar 2025
13 May 2025
22.90p
Interim
22 Aug 2024
20 Sep 2024
10.70p
Final
04 Apr 2024
14 May 2024
21.80p
Interim
24 Aug 2023
20 Sep 2023
10.20p
Final
23 Mar 2023
17 May 2023
21.80p
Interim
25 Aug 2022
21 Sep 2022
8.70p
Final
24 Mar 2022
18 May 2022
21.10p
Interim
26 Aug 2021
22 Sep 2021
4.90p
Final
15 Apr 2021
02 Jun 2021
14.50p
Interim
29 Aug 2019
20 Sep 2019
4.90p
Final
21 Mar 2019
15 May 2019
10.30p
Interim
11 Oct 2018
02 Nov 2018
4.30p
Final
22 Mar 2018
16 May 2018
9.30p
Interim
12 Oct 2017
03 Nov 2017
3.50p
Final
30 Mar 2017
17 May 2017
7.60p
Interim
13 Oct 2016
04 Nov 2016
2.90p
Final
24 Mar 2016
18 May 2016
6.70p
Interim
15 Oct 2015
06 Nov 2015
2.00p

Dividend Metrics

Year End Date
31 Dec 2025
31 Dec 2024
Dividend growth
5.06%
5.00%
Dividend yield
5.50%
8.30%
Dividend cover
2.14
2.31


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