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Onesavings Bank Fundamentals

Company Name OneSavings Bank Last Updated 18 Sep 2019
Industry Financials Sector Consumer Finance
Shares in Issue (m) 245.22 Market Cap (£m) 920.56
PE Ratio 6.76 Div per Share (p) 14.60
Div Yield 0.00 Div Cover 3.65
EPS 55.50 EPS Growth (%) 8.61
PEG 0.79 DPS Growth (%) 14.06
Debt Ratio 93.49 Debt Equity Ratio 1.00
Net Gearing 93.49 Gross Gearing 93.49
Asset Equity Ratio 15.37 Cash Equity Ratio 0.06
Quick Ratio 0.00 Current Ratio 0.00
Price To Book Value 1.35 ROCE 1.76

Onesavings Bank Dividends

Type Ex-Date Pay Date Currency Net Dividend Year Total
H1 Dividend 29 Aug 2019 20 Sep 2019 GBX 4.90
H2 Dividend 21 Mar 2019 15 May 2019 GBX 10.30 14.60
H1 Dividend 11 Oct 2018 02 Nov 2018 GBX 4.30
H2 Dividend 22 Mar 2018 16 May 2018 GBX 9.30 12.80
H1 Dividend 12 Oct 2017 03 Nov 2017 GBX 3.50
H2 Dividend 30 Mar 2017 17 May 2017 GBX 7.60 10.50
H1 Dividend 13 Oct 2016 04 Nov 2016 GBX 2.90
H2 Dividend 24 Mar 2016 18 May 2016 GBX 6.70 8.70
H1 Dividend 15 Oct 2015 06 Nov 2015 GBX 2.00
H2 Dividend 14 May 2015 05 Jun 2015 GBX 3.90 3.90

Onesavings Bank Company Financials

Assets (£m) 2018 2017 2016
Tangible Assets 22 22 13
Intangible Assets 8 7 5
Investments 9 10 15
Total Fixed Assets 39 38 33
Stocks 0 0 0
Debtors 10,331 8,493 6,357
Cash & Equivalents 0 1 0
Other Assets 90 57 190
Total Assets 10,460 8,589 6,581
Liabilities (£m) 2018 2017 2016
Creditors within 1 year 0 0 0
Creditors after 1 year 0 0 0
Other Liabilities 9,780 8,010 6,163
Total Liabilities 9,780 8,010 6,163
Net assets 681 579 418
Equity (£m) 2018 2017 2016
Called up share capital 2 2 2
Share Premium 159 158 158
Profit / Loss 184 168 163
Other Equity 80 81 17
Preference & Minorities 0 0 0
Total Capital Employed 681 579 418
Ratios 2018 2017 2016
Debt Ratio 93.49 93.26 93.64
Debt-to-Equity 1.00 1.00 1.00
Net Gearing 93.49 93.26 93.64
Gross Gearing 93.49 93.26 93.64
Assets / Equity 15.37 14.84 15.73
Cash / Equity 0.06 0.09 0.10
EPS 55.50 51.10 49.40
Cash Flow (£m) 2018 2017 2016
Cash from operating activities -85 -513 -315
Cashflow before financing -131 -487 9
Increase in Cash 158 681 63
Income (£m) 2018 2017 2016
Turnover 282 238 201
Cost of sales 0 0 0
Gross Profit 0 0 0
Operating Profit 184 168 163
Pre-Tax profit 184 168 163
Profit / Loss for the year 2 2 2

Onesavings Bank Company Background

Sector Consumer Finance
Activities OneSavings Bank plc is a specialist lending and retail savings group authorised by the Prudential Regulation Authority, part of the Bank of England, and regulated by the Financial Conduct Authority and Prudential Regulation Authority. OSB primarily targets 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. These include private rented sector Buy-to-Let, commercial and semi-commercial mortgages, residential development finance, bespoke and specialist residential lending, secured funding lines and asset finance. OSB originates organically through specialist brokers and independent financial advisers. It is differentiated through its use of high skilled, bespoke underwriting and efficient operating model. OSB is predominantly funded by retail savings originated through the long-established Kent Reliance name, which includes online and postal channels, as well as a network of branches in the South East of England. Diversification of funding is currently provided by access to a securitisation programme and the Term Funding Scheme.
Latest Interim Date 21 Aug 2019
Latest Fiscal Year End Date 14 Mar 2019

Onesavings Bank Directors

Appointed Director Position
30 Dec 2011 Andrew John Golding Chief Executive Officer
22 Jun 2012 April Carolyn Talintyre Chief Financial Officer
01 Sep 2017 David Avery Weymouth Non-Executive Chairman
06 May 2014 John Graham Allat Non-Executive Director
21 Dec 2015 Eric Edward Anstee Non-Executive Director
04 Jul 2012 Rodney Jympson Duke Non-Executive Director
06 May 2014 Mary Jane McNamara Non-Executive Director
26 Jul 2016 Margaret Grace Hassall Non-Executive Director
01 Feb 2019 Sarah Ann Hedger Non-Executive Director

Onesavings Bank Contact Details

Company Name OneSavings Bank
Company Address Reliance House, Sun Pier, Chatham ME4 4ET.
Company Telephone +44 (0)1634 835 788
Company Website http://www.osb.co.uk/

Onesavings Bank Advisors

Auditor Name KPMG Audit
Auditor Address 20 Farringdon Street, London EC4A 4PP.
Auditor Website http://www.kpmg.com/
Auditor Telephone +44 (0)20 7311 1000
Registrar Name Equiniti
Registrar Address Aspect House, Spencer Road, Lancing, West Sussex BN99 6DA.
Registrar Website http://www.equiniti.com/
Registrar Telephone 0871 384 2030
Broker Name Canaccord Genuity Limited
Broker Address 88 Wood Street, London EC2V 7QR.
Broker Website http://www.canaccordgenuity.com/
Broker Telephone +44 (0)20 7523 8000
Adviser Name N M Rothschild
Adviser Address 1 King William Street, London EC4N 7AR.
Adviser Website http://www.rothschild.com/
Adviser Telephone +44 (0)20 7280 5000
Solicitor Name Ashurst LLP
Solicitor Address Broadwalk House, 5 Appold Street, London EC2A 2HA.
Solicitor Website http://www.ashurst.com/
Solicitor Telephone +44 (0)20 7638 1111
Stockbroker Name n/a
Stockbroker Address n/a
Stockbroker Website n/a
Stockbroker Telephone n/a