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Market Price

3.46 

0.07 2.0%

as of Dec 12 '18

52 Week Range:

3.35 4.54


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

OneSavings Bank Plc operates as a specialist lender and retail savings company in the United Kingdom and the Channel Islands. The company operates through two segments, Buy-to-Let/SME and Residential Mortgages. It offers fixed, notice, easy access, and regular savings products, including ISAs. The company also provides buy to let and commercial mortgages, as well as development loans to small and medium sized developers of residential property; first charge, second charge, and shared ownership residential mortgage loans; and personal and secured loans, as well as funding lines to non-bank finance companies secured against portfolios of financial assets, principally mortgages and leases. It sells its products primarily under the Kent Reliance, InterBay Commercial, Prestige Finance, Guernsey Home Loans, Jersey Home Loans, osbIndia, and Heritable Development Finance brands. OneSavings Bank Plc was founded in 1847 and is headquartered in Chatham, the United Kingdom.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Equity (BVPS) 0.89
1.14
1.55
2.13
growth rate 28.1% 36.0% 37.4%
Avg.PE 1,410.14
11.16
8.63
7.10
growth rate -99.2% -22.7% -17.7%
ROA 0.34
0.79
1.16
1.54
1.91
1.64
growth rate 132.4% 46.8% 32.8% 24.0% -14.1%
ROE 8.79
19.75
24.90
29.55
32.53
24.91
growth rate 124.7% 26.1% 18.7% 10.1% -23.4%
ROIC 69.25
69.94
51.73
growth rate 1.0% -26.0%
Leverage 25.95
24.26
19.78
18.70
15.73
14.84
growth rate -6.5% -18.5% -5.5% -15.9% -5.7%
Balance Sheet Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Acct.Receivable 1.00
0.01
growth rate -88.6%
Acct.Payable 2,120.00
2,766.00
3,253.93
4,335.99
5,369.70
5,956.40
6,676.00
growth rate 30.5% 17.6% 33.3% 23.8% 10.9% 12.1%
Cur.Assets 292.00
293.00
342.24
840.49
416.80
550.90
1,227.60
growth rate 0.3% 16.8% 145.6% -50.4% 32.2% 122.8%
Total Assets 2,356.00
3,009.00
3,763.89
4,936.53
5,970.40
6,580.90
8,589.10
growth rate 27.7% 25.1% 31.2% 20.9% 10.2% 30.5%
Cash 195.00
205.00
102.47
767.61
316.10
485.30
1,165.90
growth rate 5.1% -50.0% 649.1% -58.8% 53.5% 140.2%
Cur.Liabilities 2,222.00
2,847.00
3,290.83
4,407.13
5,423.50
6,033.80
6,732.70
growth rate 28.1% 15.6% 33.9% 23.1% 11.3% 11.6%
Liabilities 2,267.00
2,893.00
3,608.71
4,686.92
5,651.10
6,162.50
8,010.30
growth rate 27.6% 24.7% 29.9% 20.6% 9.1% 30.0%
LT Debt 42.00
43.00
316.60
278.20
225.30
127.20
1,276.20
growth rate 2.4% 636.3% -12.1% -19.0% -43.5% 903.3%
Equity 153.44
249.60
319.30
418.40
578.80
growth rate 62.7% 27.9% 31.0% 38.3%
Common Shares 243.00
189.00
232.00
244.00
244.00
245.00
growth rate -22.2% 22.8% 5.2% 0.0% 0.4%
Cash Flow Statement Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Capital Expenditures 3.00
1.56
2.98
9.10
7.70
14.00
growth rate -48.0% 91.2% 205.4% -15.4% 81.8%
Cash Dividends 1.45
1.14
15.50
24.20
29.70
growth rate -21.5% 1,262.0% 56.1% 22.7%
Cash From OA -754.54
-808.04
-1,111.50
-909.70
-1,232.10
growth rate 0.0% 0.0% 0.0% 0.0%
FCF per Share -0.72
-0.40
0.99
-3.18
growth rate 0.0% 100.0% -100.0%
Sale Purchase of Stock 15.00
42.25
60.50
60.50
60.50
growth rate 181.7% 43.2% 0.0% 0.0%
FCF 132.00
-268.00
293.00
-108.00
-322.00
-526.00
growth rate -100.0% 100.0% -100.0% 0.0% 0.0%
Income Statement Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Sales 5.00
11.00
58.10
107.23
151.90
227.10
233.70
growth rate 120.0% 428.2% 84.6% 41.7% 49.5% 2.9%
Op.Income -12.00
9.00
31.42
71.17
107.40
172.90
167.70
growth rate 100.0% 249.1% 126.5% 50.9% 61.0% -3.0%
IBT 31.42
63.75
105.30
163.10
167.70
growth rate 102.9% 65.2% 54.9% 2.8%
Net Income -12.00
9.00
26.77
51.54
84.10
120.90
126.90
growth rate 100.0% 197.5% 92.5% 63.2% 43.8% 5.0%
EPS 0.04
0.13
0.21
0.34
0.49
0.51
growth rate 225.0% 61.5% 61.9% 44.1% 4.1%
Gross Profit 5.00
11.00
58.10
107.23
151.90
227.10
233.70
growth rate 120.0% 428.2% 84.6% 41.7% 49.5% 2.9%

Quarterly Statements

Item Name Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Balance Sheet
Acct.Payable 6,064.60
6,676.00
6,676.00
7,456.40
7,456.40
growth rate 10.1% 0.0% 11.7% 0.0%
Cur.Assets 615.20
1,227.60
1,227.60
1,511.30
1,511.30
growth rate 99.5% 0.0% 23.1% 0.0%
Total Assets 7,213.00
8,589.10
8,589.10
9,669.80
9,669.80
growth rate 19.1% 0.0% 12.6% 0.0%
Cash 556.30
1,165.90
1,165.90
1,451.90
1,451.90
growth rate 109.6% 0.0% 24.5% 0.0%
Cur.Liabilities 6,113.60
6,732.70
6,732.70
7,511.20
7,511.20
growth rate 10.1% 0.0% 11.6% 0.0%
Liabilities 6,693.50
8,010.30
8,010.30
9,048.60
9,048.60
growth rate 19.7% 0.0% 13.0% 0.0%
LT Debt 578.00
1,276.20
1,276.20
1,534.90
1,534.90
growth rate 120.8% 0.0% 20.3% 0.0%
Equity 519.50
578.80
578.80
621.20
621.20
growth rate 11.4% 0.0% 7.3% 0.0%
Common Shares 2.40
2.40
2.40
2.40
2.40
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Capital Expenditures 4.60
2.40
2.40
1.25
1.25
growth rate -47.8% 0.0% -47.9% 0.0%
Cash Dividends 9.50
5.35
5.35
13.00
13.00
growth rate -43.7% 0.0% 143.0% 0.0%
Cash From OA -273.90
-342.15
-342.15
-362.15
-362.15
growth rate 0.0% 0.0% 0.0% 0.0%
Sale Purchase of Stock 29.60
0.65
0.65
growth rate -97.8% 0.0%
FCF -278.50
-344.55
-344.55
-363.40
-363.40
growth rate 0.0% 0.0% 0.0% 0.0%
Income Statement Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Sales 54.70
62.15
62.15
64.40
64.40
growth rate 13.6% 0.0% 3.6% 0.0%
Op.Income 39.20
44.65
44.65
45.90
45.90
growth rate 13.9% 0.0% 2.8% 0.0%
IBT 39.20
44.65
44.65
45.90
45.90
growth rate 13.9% 0.0% 2.8% 0.0%
Net Income 29.50
33.95
33.95
34.75
34.75
growth rate 15.1% 0.0% 2.4% 0.0%
Gross Profit 54.70
62.15
62.15
64.40
64.40
growth rate 13.6% 0.0% 3.6% 0.0%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

C (60.26)

YOY Growth Grade:

C (62.94)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 6.29 6.42 0.05
EPS / Growth 30.8% 0.54 8.1%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 36.2%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 8.1% 25.0% 25.0%
Future PE 0.05 4.21 18.81
Future EPS 1.18 5.04 5.04
Value Price
MOS %
0.02
-99.5%
5.24
51.5%
23.41
576.7%
MOS Price 0.01 2.62 11.71
IRT 5.04 3.68 3.68

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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