XPS Pensions Group Plc (XPS) AI Stock Analysis

• Market Cap: £584.28M
• Dividend Yield: 3.54%
• Average Volume (3M): 719.57K
• Price to Earnings (P/E): 20.1
• Beta (1Y): 1.08
• Revenue Growth: 13.53%
• EPS Growth: -57.83%
• Country: UK
• Employees: 1,712
• Sector: Consumer Cyclical
• Sector Strength: 84
• Industry: Personal Products & Services
• EPS (TTM): 0.10
• Shares Outstanding: 208,355,410
• 10 Day Avg. Volume: 709,702
• 30 Day Avg. Volume: 719,574
• PEG Ratio: -0.60
• Price to Book (P/B): 4.18
• Price to Sales (P/S): 3.34
• P/FCF Ratio: 23.02
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): 0.21
• Revenue Forecast (FY): £261.32M

• Rating: 70 Outperform
• Price Target: 317.00 p ▲(0.63% Upside)
• Action: Upgraded Date: 12/07/25
• Date: Action: Upgraded 12/07/25

XPS Pensions Group Plc's overall stock score reflects strong corporate events and strategic growth initiatives, which are offset by concerns over valuation and financial performance. The company's recent acquisitions and major contract wins are positive indicators of future growth, but challenges in maintaining profitability and liquidity remain.

Positive Factors

Recurring revenue model

XPS's core business is multi-year, fee-based pensions administration and advisory work, providing durable revenue visibility and predictability. Recurring admin contracts reduce cyclicality, support margin stability, and create a platform for cross-selling consulting and investment mandates over time.

Negative Factors

Declining net profit margin

A sharp fall in net margin more than halves bottom-line profitability, suggesting rising operating expenses, integration costs, or lower leverage of fixed costs. Persistently lower net margins would erode returns to shareholders and limit ability to self-fund growth or dividends over several quarters.

XPS Pensions Group Plc Business Overview & Revenue Model

Company Description

XPS Pensions Group plc, together with its subsidiaries, provides employee benefit consultancy and related business services in the United Kingdom. The company offers advisory services to pension schemes and corporate sponsors; independent investme...

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XPS Pensions Group plc, together with its subsidiaries, provides employee benefit consultancy and related business services in the United Kingdom. The company offers advisory services to pension schemes and corporate sponsors; independent investme...

How the Company Makes Money

XPS primarily generates revenue by providing fee-based professional services to clients that run or sponsor pension schemes. Its main revenue streams are: (1) Pensions administration fees: recurring revenues from ongoing administration of pension ...

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XPS primarily generates revenue by providing fee-based professional services to clients that run or sponsor pension schemes. Its main revenue streams are: (1) Pensions administration fees: recurring revenues from ongoing administration of pension ...

XPS Pensions Group Plc Financial Statement Overview

Breakdown	TTM	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020
Income Statement
Total Revenue	246.90M	231.78M	199.43M	166.79M	138.62M	127.93M
Gross Profit	129.85M	122.92M	104.01M	65.36M	55.56M	49.93M
EBITDA	64.05M	57.26M	79.27M	34.58M	30.26M	24.36M
Net Income	25.95M	30.34M	54.17M	15.84M	9.42M	8.96M
Balance Sheet
Total Assets	321.54M	323.48M	281.87M	283.76M	271.65M	266.01M
Cash, Cash Equivalents and Short-Term Investments	10.84M	14.72M	10.01M	13.29M	10.15M	8.62M
Total Debt	89.19M	68.97M	32.55M	77.25M	74.99M	70.95M
Total Liabilities	153.31M	138.07M	96.01M	134.48M	127.22M	116.95M
Stockholders Equity	168.23M	185.41M	185.85M	149.28M	144.44M	149.07M
Cash Flow
Free Cash Flow	34.33M	33.63M	35.42M	26.13M	18.10M	26.42M
Operating Cash Flow	35.56M	41.82M	42.93M	31.58M	27.44M	29.32M
Investing Cash Flow	-22.00M	-21.86M	29.17M	-13.76M	-9.37M	-3.61M
Financing Cash Flow	-12.29M	-15.25M	-75.39M	-14.69M	-16.54M	-31.52M

XPS Pensions Group Plc Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 315.00
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:XPS, the sentiment is Negative. The current price of 315 is above the 20-day moving average (MA) of 300.07, below the 50-day MA of 320.15, and below the 200-day MA of 339.06, indicating a bearish trend. The MACD of -8.15 indicates Positive momentum. The RSI at 32.33 is Neutral, neither overbought nor oversold. The STOCH value of 36.66 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for GB:XPS.

XPS Pensions Group Plc Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
RFX	74 Outperform	£113.25M	10.13	20.23%	3.00%	16.79%	26.31%
XPS	70 Outperform	£584.28M	20.10	14.67%	3.54%	13.53%	-57.83%
MER	65 Neutral	£282.27M	6.43	25.81%	4.65%	-2.79%	37.33%
Sector *	61 Neutral	$18.38B	12.79	-2.54%	3.03%	1.52%	-15.83%
CVSG	60 Neutral	£794.17M	29.48	5.35%	0.67%	4.00%	-6.98%

XPS Pensions Group Plc Corporate Events