XPS Pensions Group Plc (XPS) AI Stock Analysis

• Market Cap: £692.67M
• Dividend Yield: 3.54%
• Average Volume (3M): 719.57K
• Price to Earnings (P/E): 22.8
• Beta (1Y): 1.06
• Revenue Growth: 16.66%
• EPS Growth: -44.06%
• Country: UK
• Employees: 1,712
• Sector: Consumer Cyclical
• Sector Strength: 84
• Industry: Personal Products & Services
• EPS (TTM): 0.08
• Shares Outstanding: 208,355,410
• 10 Day Avg. Volume: 709,702
• 30 Day Avg. Volume: 719,574
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• 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: £411.33
• Price Target Upside: 22.42% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3

• Rating: 65 Neutral
• Price Target: 374.00p ▲(11.31% Upside)

XPS Pensions Group Plc's overall stock score reflects solid financial stability with strong revenue growth and gross profit margins, but challenges in maintaining profitability and cash flow. Technical indicators suggest a neutral trend with mild bullish momentum, while valuation metrics indicate the stock may be relatively expensive. The absence of earnings call data and corporate events leaves these factors unaddressed.

Positive Factors

Revenue Growth

Consistent revenue growth indicates strong demand for XPS's services and suggests the company is effectively expanding its market presence and client base.

Gross Profit Margins

Strong gross profit margins reflect effective cost control and pricing power, which can support long-term profitability and competitive positioning.

Capital Structure

A stable equity ratio indicates a well-balanced capital structure, providing financial stability and resilience against economic fluctuations.

Negative Factors

Net Profit Margins

Declining net profit margins may indicate rising costs or inefficiencies, which could pressure future profitability unless addressed.

Operational Efficiency

Reduced operational efficiency can hinder profitability and growth, necessitating strategic improvements to maintain competitive advantage.

Free Cash Flow Growth

Negative free cash flow growth suggests potential liquidity issues, which could limit the company's ability to invest in growth opportunities.

XPS Pensions Group Plc Business Overview & Revenue Model

Company Description

XPS Pensions Group Plc (XPS) is a leading UK pensions consultancy and administration firm, specializing in providing services to pension schemes and their sponsors. The company operates primarily in the pensions sector, offering a range of services including actuarial consulting, investment advisory, pension administration, and risk management. With a strong focus on delivering tailored solutions, XPS aims to help clients effectively manage their pension obligations and optimize their retirement plans.

How the Company Makes Money

XPS generates revenue through various streams primarily derived from its consulting and administration services. The company charges fees for actuarial services, which include valuation and risk assessment of pension schemes. Additionally, it earns income from investment advisory services, helping clients manage their portfolios and optimize investment returns. Pension administration services also contribute significantly to revenue, as XPS manages the day-to-day operations of pension schemes for clients. Furthermore, XPS may have partnerships with financial institutions or technology providers that enhance its service offerings, thus creating additional revenue opportunities. The company’s consistent focus on expanding its client base and enhancing service efficiency plays a crucial role in its overall earnings.

XPS Pensions Group Plc Financial Statement Overview

Summary

XPS Pensions Group Plc shows strong revenue growth and solid gross profit margins, but declining net profit margins and reduced operational efficiency are concerns. The balance sheet reflects moderate leverage with a stable equity ratio, but declining return on equity. Cash flow metrics indicate potential liquidity issues with negative free cash flow growth. Overall, the company is financially stable but faces challenges in maintaining profitability and cash flow.

Income Statement

XPS Pensions Group Plc has demonstrated consistent revenue growth over the years, with a notable 6.16% increase in the latest period. The gross profit margin is strong at 53.03%, indicating efficient cost management. However, the net profit margin has decreased from 27.16% to 13.09%, suggesting increased expenses or other financial pressures. The EBIT and EBITDA margins have also declined, reflecting reduced operational efficiency.

Balance Sheet

The company's debt-to-equity ratio has increased to 0.37, indicating a moderate level of leverage, which is still manageable. Return on equity has decreased from 29.14% to 16.37%, suggesting reduced profitability from shareholders' investments. The equity ratio remains stable, showing a solid capital structure.

Cash Flow

Operating cash flow has decreased slightly, and free cash flow growth is negative at -29.47%, indicating potential liquidity challenges. The operating cash flow to net income ratio is 0.80, showing a reasonable conversion of income to cash. The free cash flow to net income ratio is healthy at 0.80, but the decline in free cash flow growth is a concern.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	231.78M	231.78M	199.43M	166.79M	138.62M	127.93M
Gross Profit	122.92M	122.92M	104.01M	65.36M	55.56M	49.93M
EBITDA	60.51M	57.26M	79.27M	37.79M	30.26M	27.09M
Net Income	30.34M	30.34M	54.17M	15.84M	9.42M	8.96M
Balance Sheet
Total Assets	323.48M	323.48M	281.87M	283.76M	271.65M	266.01M
Cash, Cash Equivalents and Short-Term Investments	14.72M	14.72M	10.01M	13.29M	10.15M	8.62M
Total Debt	68.97M	68.97M	32.55M	77.25M	74.99M	70.95M
Total Liabilities	138.07M	138.07M	96.01M	134.48M	127.22M	116.95M
Stockholders Equity	185.41M	185.41M	185.85M	149.28M	144.44M	149.07M
Cash Flow
Free Cash Flow	38.38M	33.63M	35.42M	26.13M	18.10M	26.42M
Operating Cash Flow	40.48M	41.82M	42.93M	31.58M	27.44M	29.32M
Investing Cash Flow	-21.96M	-21.86M	29.17M	-13.76M	-9.37M	-3.61M
Financing Cash Flow	-12.94M	-15.25M	-75.39M	-14.69M	-16.54M	-31.52M

XPS Pensions Group Plc Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 336.00
• 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 336 is below the 20-day moving average (MA) of 342.13, below the 50-day MA of 345.63, and below the 200-day MA of 360.21, indicating a bearish trend. The MACD of -1.55 indicates Positive momentum. The RSI at 46.68 is Neutral, neither overbought nor oversold. The STOCH value of 31.02 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
MER	70 Neutral	£280.50M	5.80	25.63%	4.95%	-2.79%	37.33%
XPS	65 Neutral	£692.67M	22.82	16.35%	3.54%	16.66%	-44.06%
Sector *	61 Neutral	$18.38B	12.79	-2.54%	3.03%	1.52%	-15.83%

XPS Pensions Group Plc Corporate Events

XPS Pensions Group Reports Robust Revenue Growth and Successful Integration of Polaris

XPS Pensions Group has reported a strong 13% revenue growth for the six months ending September 2025, with organic growth at 8%. The acquisition of Polaris Actuaries and Consultants Limited has been successfully integrated, enhancing XPS’s capabilities in the insurance sector. The company is experiencing increased demand due to regulatory changes, particularly the Pensions Act 2025, which is expected to drive further consulting demand. XPS is well-positioned to support both defined benefit schemes and risk transfer projects, and the board remains confident in meeting full-year expectations.

The most recent analyst rating on (GB:XPS) stock is a Hold with a £374.00 price target. To see the full list of analyst forecasts on XPS Pensions Group Plc stock, see the GB:XPS Stock Forecast page.

XPS Pensions Group to Release Half-Year Trading Update and Results

XPS Pensions Group has announced it will release a trading update for the half year ending September 30, 2025, on October 16, 2025, followed by its half-year results on November 20, 2025. This announcement is significant as it provides stakeholders with insights into the company’s financial performance and strategic direction, potentially impacting its market positioning and stakeholder confidence.

The most recent analyst rating on (GB:XPS) stock is a Hold with a £366.00 price target. To see the full list of analyst forecasts on XPS Pensions Group Plc stock, see the GB:XPS Stock Forecast page.

XPS Pensions Group Chairman Acquires Shares, Signaling Confidence

XPS Pensions Group Plc announced that Martin Sutherland, the Independent Non-Executive Chairman, purchased 11,658 ordinary shares at a price of 335.4 pence per share. This transaction, conducted on the London Stock Exchange, reflects a significant investment by a key executive, potentially indicating confidence in the company’s future performance.

The most recent analyst rating on (GB:XPS) stock is a Hold with a £366.00 price target. To see the full list of analyst forecasts on XPS Pensions Group Plc stock, see the GB:XPS Stock Forecast page.

XPS Pensions Group Plc AGM Results and Leadership Update

XPS Pensions Group Plc announced that all resolutions were passed at its Annual General Meeting held on September 4, 2025. Key resolutions included the re-election of directors, approval of the directors’ remuneration report, and authorization for the company to purchase its own shares. Martin Sutherland was appointed as Non-Executive Chairman and Chair of the Nomination Committee, reflecting strategic leadership changes. The AGM results indicate strong shareholder support, potentially enhancing the company’s governance and operational strategies.

The most recent analyst rating on (GB:XPS) stock is a Hold with a £377.00 price target. To see the full list of analyst forecasts on XPS Pensions Group Plc stock, see the GB:XPS Stock Forecast page.