OneSavings Bank (OSB)

Sector:

Financials

Index:

FTSE 250

253.80p
   
  • Change Today:
    -1.20p
  • 52 Week High: 452.00
  • 52 Week Low: 190.00
  • Currency: UK Pounds
  • Shares Issued: 446.20m
  • Volume: 730,842
  • Market Cap: £1,132.46m
  • RiskGrade: 426

Dividend Data

  31-Dec-1931-Dec-1831-Dec-1731-Dec-1631-Dec-15
Interim Dividend4.90p4.30p3.50p2.90p2.00p
Final Dividendn/a10.30p9.30p7.60p6.70p
Total Dividend4.90p14.60p3.50p10.50p8.70p
For more dividend details, click here

Fundamentals - based on IFRS

  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Income Statement 31-Dec-19 31-Dec-18 31-Dec-17 31-Dec-16 31-Dec-15
Continuing Operations          
Revenue 344.70 286.30 245.40 206.60 169.80
Operating Profit/(Loss) 209.10 182.80 167.70 172.10 105.30
Profit Before Tax 209.10 182.80 167.70 163.10 105.30
Profit After Tax 158.80 139.60 126.90 120.90 84.10
Discontinued Operations          
Profit After Tax n/a n/a n/a n/a n/a
PROFIT FOR THE PERIOD 158.80 139.60 126.90 120.90 84.10
Attributable to:          
Equity Holders of Parent Company 158.80 139.60 126.90 120.90 84.10
Minority Interests n/a n/a n/a n/a n/a
           
Continuing EPS          
Earnings per Share - Basic 52.60p 55.50p 51.10p 49.40p 34.10p
Earnings per Share - Diluted 52.20p 55.00p 50.70p 49.00p 34.00p
Earnings per Share - Adjusted 64.90p 59.40p 51.10p 41.70p 34.80p
Continuing and Discontinued EPS          
Earnings per Share - Basic 52.60p 55.50p 51.10p 49.40p 34.10p
Earnings per Share - Diluted 52.20p 55.00p 50.70p 49.00p 34.00p
Earnings per Share - Adjusted 64.90p 59.40p 51.10p 41.70p 34.80p
           
Dividend per Share 4.90p 14.60p 12.80p 10.50p 8.70p
  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Balance Sheet 31-Dec-19 31-Dec-18 31-Dec-17 31-Dec-16 31-Dec-15
Assets          
Property, Plant & Equipment 41.60 21.80 21.50 13.10 9.60
Intangible Assets 31.40 7.80 6.80 4.70 3.10
Investment Properties n/a n/a n/a n/a n/a
Investments 635.30 58.90 19.10 141.70 393.40
Other Financial Assets n/a n/a n/a 1.80 n/a
           
Loans & Advances to Banks 2,204.60 1,347.30 1,187.20 417.80 354.70
Loans & Advances to Customers 18,446.80 8,983.30 7,306.00 5,939.20 5,134.80
Advances 20,651.40 10,330.60 8,493.20 6,357.00 5,489.50
           
Debt Securities n/a n/a n/a n/a n/a
Items in course of collection n/a n/a n/a n/a n/a
           
Cash at Bank n/a n/a n/a n/a n/a
Treasury Bills n/a n/a n/a n/a n/a
Liquid Assets n/a n/a n/a n/a n/a
           
Inventories n/a n/a n/a n/a n/a
Trade & Other Receivables n/a n/a n/a n/a n/a
Other Assets 57.40 41.10 48.00 62.20 74.40
Total Assets 21,417.10 10,460.20 8,589.10 6,580.90 5,970.40
           
Liabilities          
Items in Course of Collection 19,323.80 9,655.90 7,900.60 6,058.10 5,371.20
Deposits & Customer Accounts 29.70 32.90 25.70 n/a n/a
Debt Securities 296.30 n/a n/a n/a 188.40
Other Current Liabilities n/a n/a n/a n/a 9.20
           
Borrowings 23.90 10.80 10.90 36.90 39.90
Provisions 64.70 1.80 1.40 1.50 2.30
Other Liabilities 201.70 100.40 71.70 66.00 40.10
Total Liabilities 19,940.10 9,801.80 8,010.30 6,162.50 5,651.10
           
Net Assets 1,477.00 658.40 578.80 418.40 319.30
           
Capital & Reserves          
Share Capital 4.50 2.40 2.40 2.40 2.40
Share Premium Account 864.20 158.80 158.40 157.90 157.90
Other Reserves 55.10 57.90 80.50 17.40 15.00
Retained Earnings 553.20 439.30 337.50 240.70 144.00
Shareholders Funds 1,477.00 658.40 578.80 418.40 319.30
           
Minority Interests/Other Equity n/a n/a n/a n/a n/a
Total Equity 1,477.00 658.40 578.80 418.40 319.30
Cash Flow 31-Dec-19 31-Dec-18 31-Dec-17 31-Dec-16 31-Dec-15
Net Cash Flow From Operating Activities (536.10) (85.80) (511.10) (323.80) (79.30)
Returns On Investment & Servicing of Finance fn/a fn/a fn/a fn/a fn/a
Taxation Paid fn/a fn/a fn/a fn/a fn/a
Net Cash Flow from Investing Activities 826.60 (45.60) 26.00 381.90 (244.40)
Acquisitions & Disposals gn/a gn/a gn/a gn/a gn/a
Dividends Paid fn/a fn/a fn/a fn/a fn/a
Management of Liquid Resources cn/a cn/a cn/a cn/a cn/a
Net Cash Flow from Financing Activities 488.10 289.70 1,165.70 56.70 (88.80)
Net Increase/Decrease In Cash 778.60 158.30 680.60 114.80 (412.50)
Ratios - based on IFRS 31-Dec-19 31-Dec-18 31-Dec-17 31-Dec-16 31-Dec-15
Continuing Operations          
PE Ratio - Adjusted 6.7 5.9 8.1 8.1 10.2
PEG - Adjusted 0.7 0.4 0.4 0.4 0.2
Earnings per Share Growth - Adjusted 9% 16% 22% 20% 43%
Dividend Cover 13.24 4.07 3.99 3.97 4.00
Revenue per Share 77.25p 64.16p 55.00p 46.30p 38.05p
Pre-Tax Profit per Share 46.86p 40.97p 37.58p 36.55p 23.60p
Operating Margin 60.66% 63.85% 68.34% 83.30% 62.01%
Return on Capital Employed n/a n/a n/a n/a n/a
Continuing & Discontinued Operations          
PE Ratio - Adjusted 6.7 5.9 8.1 8.1 10.2
PEG - Adjusted 0.7 0.4 0.4 0.4 0.2
Earnings per Share Growth - Adjusted 9% 16% 22% 20% 43%
Dividend Cover 13.24 4.07 3.99 3.97 4.00
           
Dividend Yield 1.1% 4.2% 3.1% 3.1% 2.5%
Dividend per Share Growth (66.44%) 14.06% 21.90% 20.69% 123.08%
Operating Cash Flow per Share (120.15p) (19.23p) (114.55p) (72.57p) (17.77p)
Cash Incr/Decr per Share 174.50p 35.48p 152.53p 25.73p (92.45p)
Net Asset Value per Share (exc. Intangibles) 323.98p 145.81p 128.19p 92.72p 70.86p
Net Gearing n/a n/a n/a n/a n/a

Key

* GAAP

a. Includes discontinued activities

b. Including assets due in more than one year

c. Not disclosed under IFRS

d. Total fixed assets

e. Includes borrowings

f. Included in cash flow from operating activities under IFRS

g. Included in net cash from investing activities under IFRS

h. Pre-tax

i. Capital expenditure

j. Based on operating cash flow before tax

k. Issue of ordinary shares

Note 1: Prices and trades are provided by Digital Look Corporate Solutions and are delayed by at least 15 minutes.

Note 2: RiskGrade figures are provided by RiskMetrics.

Note 3: Above ratios are on a 'per annum' basis, adjusted for corporate actions and based on the fundamentals of the primary listed security.

Note 4: Under IFRS, all figures are based on 'Continuing' operations unless otherwise stated.

Note 5: Forecast figures based on normalised accounts.

 

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