{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "8439e950-77e9-4656-a0ae-dbce38fbedc8",
    "symbol": "OSB",
    "name": "OSB Group Plc",
    "exchange": "LSE",
    "country_code": "GB",
    "country_name": "United Kingdom",
    "sector": "Financial Services",
    "industry": "Mortgage Finance",
    "chart_url": "https://sharemaestro.com/terminal/8439e950-77e9-4656-a0ae-dbce38fbedc8/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "8439e950-77e9-4656-a0ae-dbce38fbedc8",
      "symbol": "OSB",
      "name": "OSB Group Plc",
      "exchange": "LSE",
      "country_code": "GB",
      "country_name": "United Kingdom",
      "sector": "Financial Services",
      "industry": "Mortgage Finance",
      "chart_url": "https://sharemaestro.com/terminal/8439e950-77e9-4656-a0ae-dbce38fbedc8/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "OSB.L",
    "market_cap": 1775145600.0,
    "market_cap_usd": 172542042998.0,
    "price": 518.0,
    "currency": "GBP",
    "dividend_yield": 0.0704,
    "dividend_years": 10,
    "dividend_growth_5y": 0.14415571,
    "dividend_cut_5y": true,
    "payout_ratio": 0.46330002,
    "net_income": 285700000.0,
    "free_cash_flow": 210700000.0,
    "fcf_covers_dividend": true,
    "debt_to_equity": 0.87072757,
    "revenue_growth_5y": -0.04427305,
    "net_margin": 0.43618,
    "roe": 0.12641,
    "pe_ratio": 6.9999995,
    "price_vs_ma": -0.08591122,
    "return_3y": 0.12376551,
    "return_5y": 0.11844578,
    "max_drawdown": -0.49842803,
    "scores": {
      "dividend_reliability": 16.5,
      "dividend_sustainability": 20.0,
      "business_quality": 20.5,
      "valuation": 13.0,
      "trend": 8.5,
      "total": 78.5,
      "confidence": 100.0
    },
    "rating": "high_quality",
    "rating_label": "High Quality Watchlist Candidate",
    "decision": "reject",
    "decision_label": "Reject",
    "warnings": [
      "Dividend cut or material annual decrease detected in the last five completed years."
    ],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/8439e950-77e9-4656-a0ae-dbce38fbedc8/",
      "chart": "https://sharemaestro.com/terminal/8439e950-77e9-4656-a0ae-dbce38fbedc8/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 16.5,
    "dividend_sustainability": 20.0,
    "business_quality": 20.5,
    "valuation": 13.0,
    "trend": 8.5,
    "total": 78.5,
    "confidence": 100.0
  },
  "warnings": [
    "Dividend cut or material annual decrease detected in the last five completed years."
  ],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "warning",
      "severity": "warning",
      "ticker": "OSB",
      "exchange": "LSE",
      "headline": "OSB dividend review warning",
      "detail": "Dividend cut or material annual decrease detected in the last five completed years.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/8439e950-77e9-4656-a0ae-dbce38fbedc8/"
    },
    {
      "event_date": "2026-04-02",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "OSB",
      "exchange": "LSE",
      "headline": "Dividend increased 115.2%",
      "detail": "Payment changed from 11.2 to 24.1.",
      "amount": 24.1,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/8439e950-77e9-4656-a0ae-dbce38fbedc8/"
    },
    {
      "event_date": "2026-04-02",
      "event_type": "payment",
      "severity": "info",
      "ticker": "OSB",
      "exchange": "LSE",
      "headline": "OSB dividend payment 24.1 GBP",
      "detail": "Recorded dividend payment for OSB Group Plc.",
      "amount": 24.1,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/8439e950-77e9-4656-a0ae-dbce38fbedc8/"
    },
    {
      "event_date": "2025-08-28",
      "event_type": "cut",
      "severity": "negative",
      "ticker": "OSB",
      "exchange": "LSE",
      "headline": "Dividend cut -51.1%",
      "detail": "Payment changed from 22.9 to 11.2.",
      "amount": 11.200001,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/8439e950-77e9-4656-a0ae-dbce38fbedc8/"
    },
    {
      "event_date": "2025-08-28",
      "event_type": "payment",
      "severity": "info",
      "ticker": "OSB",
      "exchange": "LSE",
      "headline": "OSB dividend payment 11.2 GBP",
      "detail": "Recorded dividend payment for OSB Group Plc.",
      "amount": 11.200001,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/8439e950-77e9-4656-a0ae-dbce38fbedc8/"
    },
    {
      "event_date": "2025-03-27",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "OSB",
      "exchange": "LSE",
      "headline": "Dividend increased 114.0%",
      "detail": "Payment changed from 10.7 to 22.9.",
      "amount": 22.9,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/8439e950-77e9-4656-a0ae-dbce38fbedc8/"
    },
    {
      "event_date": "2025-03-27",
      "event_type": "payment",
      "severity": "info",
      "ticker": "OSB",
      "exchange": "LSE",
      "headline": "OSB dividend payment 22.9 GBP",
      "detail": "Recorded dividend payment for OSB Group Plc.",
      "amount": 22.9,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/8439e950-77e9-4656-a0ae-dbce38fbedc8/"
    },
    {
      "event_date": "2024-08-22",
      "event_type": "cut",
      "severity": "negative",
      "ticker": "OSB",
      "exchange": "LSE",
      "headline": "Dividend cut -50.9%",
      "detail": "Payment changed from 21.8 to 10.7.",
      "amount": 10.7,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/8439e950-77e9-4656-a0ae-dbce38fbedc8/"
    },
    {
      "event_date": "2024-08-22",
      "event_type": "payment",
      "severity": "info",
      "ticker": "OSB",
      "exchange": "LSE",
      "headline": "OSB dividend payment 10.7 GBP",
      "detail": "Recorded dividend payment for OSB Group Plc.",
      "amount": 10.7,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/8439e950-77e9-4656-a0ae-dbce38fbedc8/"
    },
    {
      "event_date": "2024-04-04",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "OSB",
      "exchange": "LSE",
      "headline": "Dividend increased 113.7%",
      "detail": "Payment changed from 10.2 to 21.8.",
      "amount": 21.8,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/8439e950-77e9-4656-a0ae-dbce38fbedc8/"
    },
    {
      "event_date": "2024-04-04",
      "event_type": "payment",
      "severity": "info",
      "ticker": "OSB",
      "exchange": "LSE",
      "headline": "OSB dividend payment 21.8 GBP",
      "detail": "Recorded dividend payment for OSB Group Plc.",
      "amount": 21.8,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/8439e950-77e9-4656-a0ae-dbce38fbedc8/"
    },
    {
      "event_date": "2023-08-24",
      "event_type": "cut",
      "severity": "negative",
      "ticker": "OSB",
      "exchange": "LSE",
      "headline": "Dividend cut -69.6%",
      "detail": "Payment changed from 33.5 to 10.2.",
      "amount": 10.2,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/8439e950-77e9-4656-a0ae-dbce38fbedc8/"
    },
    {
      "event_date": "2023-08-24",
      "event_type": "payment",
      "severity": "info",
      "ticker": "OSB",
      "exchange": "LSE",
      "headline": "OSB dividend payment 10.2 GBP",
      "detail": "Recorded dividend payment for OSB Group Plc.",
      "amount": 10.2,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/8439e950-77e9-4656-a0ae-dbce38fbedc8/"
    },
    {
      "event_date": "2023-03-23",
      "event_type": "payment",
      "severity": "info",
      "ticker": "OSB",
      "exchange": "LSE",
      "headline": "OSB dividend payment 33.5 GBP",
      "detail": "Recorded dividend payment for OSB Group Plc.",
      "amount": 33.5,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/8439e950-77e9-4656-a0ae-dbce38fbedc8/"
    },
    {
      "event_date": "2022-08-25",
      "event_type": "payment",
      "severity": "info",
      "ticker": "OSB",
      "exchange": "LSE",
      "headline": "OSB dividend payment 8.7 GBP",
      "detail": "Recorded dividend payment for OSB Group Plc.",
      "amount": 8.7,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/8439e950-77e9-4656-a0ae-dbce38fbedc8/"
    },
    {
      "event_date": "2022-03-24",
      "event_type": "payment",
      "severity": "info",
      "ticker": "OSB",
      "exchange": "LSE",
      "headline": "OSB dividend payment 21.1 GBP",
      "detail": "Recorded dividend payment for OSB Group Plc.",
      "amount": 21.1,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/8439e950-77e9-4656-a0ae-dbce38fbedc8/"
    },
    {
      "event_date": "2021-08-26",
      "event_type": "payment",
      "severity": "info",
      "ticker": "OSB",
      "exchange": "LSE",
      "headline": "OSB dividend payment 4.9 GBP",
      "detail": "Recorded dividend payment for OSB Group Plc.",
      "amount": 4.9,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/8439e950-77e9-4656-a0ae-dbce38fbedc8/"
    },
    {
      "event_date": "2021-04-15",
      "event_type": "payment",
      "severity": "info",
      "ticker": "OSB",
      "exchange": "LSE",
      "headline": "OSB dividend payment 14.5 GBP",
      "detail": "Recorded dividend payment for OSB Group Plc.",
      "amount": 14.5,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/8439e950-77e9-4656-a0ae-dbce38fbedc8/"
    },
    {
      "event_date": "2019-08-29",
      "event_type": "payment",
      "severity": "info",
      "ticker": "OSB",
      "exchange": "LSE",
      "headline": "OSB dividend payment 4.9 GBP",
      "detail": "Recorded dividend payment for OSB Group Plc.",
      "amount": 4.9,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/8439e950-77e9-4656-a0ae-dbce38fbedc8/"
    }
  ]
}