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OneSavings Bank

Current Price 253.80p Bid 239.00p Ask 370.00p Change -0.47%
Last Updated: 25/05/2020 20:41. Prices delayed by at least 15 minutes.
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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 31/12/2019

Revenue
£344.70m
Operating Profit/Loss
£209.10m
Dividend yield (%)
1.10
Total dividend for year
n/ap
Dividend cover
13.24
P/E Ratio
6.70

Key Personnel

Mr Andy Golding
Chief Executive Officer
Ms April Talintyre
Chief Financial Officer
Mr Jason Elphick
Company Secretary and General Counsel
Mr David Weymouth
Non-Executive Chairman
Dr David Morgan
Non-Executive Director
Mr Andrew Doman
Non-Executive Director
Mr Graham Allatt
Non-Executive Director
Mr Stephan Wilcke
Non-Executive Director
Ms Mary McNamara
Non-Executive Director
Ms Sarah Hedger
Non-Executive Director

Stock Details

EPIC
OSB
ISIN
GB00BM7S7K96
Shares in Issue
446.20m
Market cap
£1,132.46m
Sector

Analyst Views (12)

Strong Buy
 
91.67%
Buy
 
0%
Hold
 
8.33%
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 view held by Redmayne Bentley and is not advice.

Price Summary

Mid Price
253.80p
Bid Price
239.00p
Ask Price
370.00p
Volume
730,842
Change Today
-1.20p
% Change Today
-0.47%
Open
251.60p
Previous Close
253.80p
Intraday High
254.80p
Intraday Low
244.40p
52 Week High
452.00p
52 Week Low
190.00p
52 week high and low figures quoted above are calculated from intraday price data.

Intra-Day Chart

Income Statement

Year End Date
31 Dec 2019
31 Dec 2018
 
£ (M)
£ (M)
Continuing Operations
Revenue
344.70
286.30
Operating Profit/Loss
209.10
182.80
Net Interest
n/a
n/a
Pre-Tax Profit
209.10
182.80
Profit After Tax from continuing operations
158.80
139.60
Discontinued Operations
Profit After Tax
n/a
n/a
Profit/Loss for the Year
158.80
139.60
Attributable to:
Equity Holders of Parent Company
158.80
139.60
Minority Interests
n/a
n/a
Total Dividend Paid
n/ap
14.6000p
Retained Profit/(Loss) for the Financial Year
n/a
n/a

Earnings per Share

Year End Date
31 Dec 2019
31 Dec 2018
Basic
52.60p
55.50p
Diluted
52.20p
55.00p
Adjusted
64.90p
59.40p
Dividend per Share
n/ap
14.6000p

Assets

Year End Date
31 Dec 2019
31 Dec 2018
 
£ (M)
£ (M)
Non-Current Assets
Property, Plant & Equipment
41.60
21.80
Intangible Assets
31.40
7.80
Investment Properties
n/a
n/a
Investments
635.30
58.90
Other Financial Assets
n/a
n/a
Other Non-Current Assets
n/a
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
20,651.40
10,330.60
Other Assets
57.40
41.10
Total Assets
21,417.10
10,460.20

Liabilities

Year End Date
31 Dec 2019
31 Dec 2018
 
£ (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
23.90
10.80
Provisions
64.70
1.80
Other Non-Current Liabilities
n/a
n/a
Total Non-Current Liabilities
88.60
12.60
Other Liabilities
201.70
100.40
Total Liabilities
19,940.10
9,801.80

Net Assets

Year End Date
31 Dec 2019
31 Dec 2018
 
£ (M)
£ (M)
Net Assets
1,477.00
658.40

Capital & Reserves

Year End Date
31 Dec 2019
31 Dec 2018
 
£ (M)
£ (M)
Share Capital
4.50
2.40
Share Premium Account
864.20
158.80
Other Reserves
55.10
57.90
Retained Earnings
553.20
439.30
Shareholders Funds
1,477.00
658.40
Minority Interests/Other Equity
n/a
n/a
Total Equity
1,477.00
658.40

Dividend History

Type
Ex-Dividend Date
Payment Date
Payment
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 2019
31 Dec 2018
Dividend growth
-66.44%
14.06%
Dividend yield
1.10%
4.20%
Dividend cover
13.24
4.07
The value of your investments and the income from them may go down as well as up, and you could get back less than you invested.
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