OSB.L vs. AV.L
OSB.L (OneSavings Bank plc) and AV.L (Aviva plc) are both stocks. Both are in the Financial Services sector — OSB.L in Mortgage Finance, AV.L in Insurance - Diversified. Over the past 10 years, OSB.L returned 9.24%/yr vs 5.18%/yr for AV.L. At a 0.36 correlation, their price movements are largely independent.
Performance
OSB.L vs. AV.L - Performance Comparison
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Returns By Period
In the year-to-date period, OSB.L achieves a -17.58% return, which is significantly lower than AV.L's -8.01% return. Over the past 10 years, OSB.L has outperformed AV.L with an annualized return of 9.24%, while AV.L has yielded a comparatively lower 5.18% annualized return.
OSB.L
- 1D
- -0.50%
- 1M
- -3.55%
- YTD
- -17.58%
- 6M
- -6.92%
- 1Y
- 8.51%
- 3Y*
- 5.69%
- 5Y*
- 8.55%
- 10Y*
- 9.24%
AV.L
- 1D
- -0.79%
- 1M
- -3.18%
- YTD
- -8.01%
- 6M
- -2.36%
- 1Y
- 4.40%
- 3Y*
- 22.62%
- 5Y*
- 7.89%
- 10Y*
- 5.18%
OSB.L vs. AV.L - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
OSB.L OneSavings Bank plc | -17.58% | 69.28% | -5.05% | 4.18% | -8.67% | 36.17% | -2.26% | 29.02% | -11.97% | 25.61% |
AV.L Aviva plc | -8.01% | 56.69% | 16.76% | 5.64% | -18.84% | 30.80% | -19.79% | 18.65% | -22.84% | 8.48% |
Correlation
The correlation between OSB.L and AV.L is 0.42, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.42 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.39 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.45 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.43 |
Correlation (All Time) Calculated using the full available price history since Jun 6, 2014 | 0.36 |
Fundamentals
OSB.L:
£1.87B
AV.L:
£22.58B
OSB.L:
£1.57
AV.L:
£0.49
OSB.L:
3.19
AV.L:
12.33
OSB.L:
1.62
AV.L:
0.44
OSB.L:
0.96
AV.L:
0.24
OSB.L:
0.88
AV.L:
2.33
OSB.L:
£1.96B
AV.L:
£80.81B
OSB.L:
£2.05B
AV.L:
£84.57B
OSB.L:
£811.90M
AV.L:
£2.85B
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Return for Risk
OSB.L vs. AV.L — Risk / Return Rank
OSB.L
AV.L
OSB.L vs. AV.L - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for OneSavings Bank plc (OSB.L) and Aviva plc (AV.L). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
| OSB.L | AV.L | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.15 | ||
| Sortino ratioReturn per unit of downside risk | +0.27 | ||
| Omega ratioGain probability vs. loss probability | 1.08 | 1.06 | +0.02 |
| Calmar ratioReturn relative to maximum drawdown | 0.40 | 0.36 | +0.04 |
| Martin ratioReturn relative to average drawdown | 1.03 | 0.83 | +0.20 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| OSB.L | AV.L | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.36 | 0.22 | +0.15 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.23 | 0.30 | -0.07 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.22 | 0.19 | +0.03 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.34 | 0.18 | +0.16 |
Drawdowns
OSB.L vs. AV.L - Drawdown Comparison
The maximum OSB.L drawdown since its inception was -57.96%, roughly equal to the maximum AV.L drawdown of -59.13%. Use the drawdown chart below to compare losses from any high point for OSB.L and AV.L.
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Drawdown Indicators
| OSB.L | AV.L | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -57.96% | -59.13% | +1.17% |
Max Drawdown (1Y)Largest decline over 1 year | -21.24% | -12.23% | -9.01% |
Max Drawdown (3Y)Largest decline over 3 years | -45.27% | -12.83% | -32.44% |
Max Drawdown (5Y)Largest decline over 5 years | -48.77% | -39.21% | -9.56% |
Max Drawdown (10Y)Largest decline over 10 years | -57.96% | -59.13% | +1.17% |
Current DrawdownCurrent decline from peak | -18.34% | -9.41% | -8.93% |
Average DrawdownAverage peak-to-trough decline | -14.77% | -16.08% | +1.31% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 8.28% | 5.31% | +2.97% |
Volatility
OSB.L vs. AV.L - Volatility Comparison
OneSavings Bank plc (OSB.L) has a higher volatility of 6.97% compared to Aviva plc (AV.L) at 5.28%. This indicates that OSB.L's price experiences larger fluctuations and is considered to be riskier than AV.L based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| OSB.L | AV.L | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 6.97% | 5.28% | +1.69% |
Volatility (6M)Calculated over the trailing 6-month period | 17.69% | 15.96% | +1.73% |
Volatility (1Y)Calculated over the trailing 1-year period | 23.35% | 20.18% | +3.17% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 36.54% | 25.95% | +10.59% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 41.79% | 27.64% | +14.15% |
Dividends
OSB.L vs. AV.L - Dividend Comparison
OSB.L's dividend yield for the trailing twelve months is around 7.03%, more than AV.L's 6.52% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
AV.L Aviva plc | 6.52% | 5.39% | 8.25% | 7.33% | 29.52% | 3.96% | 3.03% | 5.48% | 5.74% | 3.64% | 2.56% | 2.12% |
OSB.L OneSavings Bank plc | 7.03% | 5.35% | 8.03% | 6.89% | 6.21% | 3.50% | 0.00% | 3.51% | 3.89% | 2.69% | 2.84% | 1.67% |
Financials
OSB.L vs. AV.L - Financials Comparison
This section allows you to compare key financial metrics between OneSavings Bank plc and Aviva plc. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
OSB.L vs. AV.L - Profitability Comparison
OSB.L - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, OneSavings Bank plc reported a gross profit of 336.70M and revenue of 957.80M. Therefore, the gross margin over that period was 35.2%.
AV.L - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Aviva plc reported a gross profit of 38.52B and revenue of 38.52B. Therefore, the gross margin over that period was 100.0%.
OSB.L - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, OneSavings Bank plc reported an operating income of 190.20M and revenue of 957.80M, resulting in an operating margin of 19.9%.
AV.L - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Aviva plc reported an operating income of 576.00M and revenue of 38.52B, resulting in an operating margin of 1.5%.
OSB.L - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, OneSavings Bank plc reported a net income of 143.60M and revenue of 957.80M, resulting in a net margin of 15.0%.
AV.L - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Aviva plc reported a net income of 226.00M and revenue of 38.52B, resulting in a net margin of 0.6%.
Frequently Asked Questions
OSB.L and AV.L have a correlation of 0.42, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
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