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XPS Pensions Group Plc (XPS) AI Stock Analysis
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XPS Pensions Group Plc
(LSE:XPS)
The score is driven primarily by strong financial performance, led by robust cash flow and sustained revenue growth, with some risk from margin volatility and a recent increase in leverage. Technicals are supportive with the stock trading above major moving averages, though momentum looks somewhat stretched (RSI ~71). Valuation is moderate-to-rich on earnings (P/E ~26) but helped by a ~3.95% dividend yield.
XPS Pensions Group Plc (XPS) vs. iShares MSCI United Kingdom ETF (EWC)
- Market Cap
- GBP 696.39M
- Dividend Yield
- 3.85%
- Average Volume (3M)
- 816.05K
- Price to Earnings (P/E)
- 26.8
- Beta (1Y)
- 1.10
- Revenue Growth
- 12.84%
- EPS Growth
- -11.56%
- Country
- UK
- Employees
- 2,024
- Sector
- Consumer Cyclical
- Sector Strength
- 61
- Industry
- Asset Management
XPS Pensions Group Plc Business Overview & Revenue Model
Company Description
XPS Pensions Group plc, operating through its various subsidiaries, specializes in delivering expert employee benefits consulting and a wide array of associated professional services throughout the United Kingdom. The firm provides strategic advisory...
How the Company Makes Money
XPS makes money primarily by charging professional fees for delivering pensions-related services to clients (typically pension scheme trustees and employers). Its main revenue streams generally include: (1) Advisory/consulting fees: recurring and pro...
XPS Pensions Group Plc Financial Statement Overview
Summary
Strong financial profile supported by clear multi-year revenue growth and standout cash generation (2026 free cash flow 49.4m close to earnings). Offsetting factors are meaningful margin volatility versus the 2024 peak and a recent re-leveraging trend (debt-to-equity rising to ~0.45 in 2025–2026).
Income Statement
72PositiveBalance Sheet
66PositiveCash Flow
83Very Positive| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 262.66M | 262.55M | 231.78M | 199.43M | 166.79M | 138.62M |
| Gross Profit | 246.19M | 246.08M | 122.92M | 104.01M | 65.36M | 55.56M |
| EBITDA | 65.13M | 59.79M | 57.26M | 79.27M | 34.58M | 30.26M |
| Net Income | 26.56M | 26.56M | 30.34M | 54.17M | 15.84M | 9.42M |
Balance Sheet | ||||||
| Total Assets | 329.49M | 329.49M | 323.48M | 281.87M | 283.76M | 271.65M |
| Cash, Cash Equivalents and Short-Term Investments | 16.85M | 16.85M | 14.72M | 10.01M | 13.29M | 10.15M |
| Total Debt | 78.08M | 78.08M | 68.97M | 32.55M | 77.25M | 74.99M |
| Total Liabilities | 154.64M | 154.64M | 138.07M | 96.01M | 134.48M | 127.22M |
| Stockholders Equity | 174.85M | 174.85M | 185.41M | 185.85M | 149.28M | 144.44M |
Cash Flow | ||||||
| Free Cash Flow | 49.45M | 49.45M | 33.63M | 35.42M | 26.13M | 18.10M |
| Operating Cash Flow | 51.60M | 51.60M | 41.82M | 42.93M | 31.58M | 27.44M |
| Investing Cash Flow | -9.98M | -9.98M | -21.86M | 29.17M | -13.76M | -9.37M |
| Financing Cash Flow | -39.49M | -39.49M | -15.25M | -75.39M | -14.69M | -16.54M |
XPS Pensions Group Plc Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:XPS, the sentiment is Positive. The current price of 343.00 is above the 20-day moving average (MA) of 326.53, above the 50-day MA of 314.39, and above the 200-day MA of 309.07, indicating a bullish trend. The MACD of 10.23 indicates Negative momentum. The RSI at 69.17 is Neutral, neither overbought nor oversold. The STOCH value of 53.15 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GB:XPS.
XPS Pensions Group Plc Peers Comparison
Overall Rating
GB:RFX76Outperform
GB:MER71.3Outperform- GB:XPS71.1Outperform
GB:CVSG55Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| GB:RFX | 76Outperform | GBP 206.11M | 10.34 | 29.66% | 2.38% | 43.98% | 97.22% |
| GB:MER | 71Outperform | GBP 316.97M | 6.18 | 25.52% | 4.44% | 2.18% | 14.86% |
| GB:XPS | 71Outperform | GBP 708.16M | 26.75 | 15.48% | 3.85% | 12.84% | -11.56% |
| Sector * | 61Neutral | $18.38B | 12.79 | -2.54% | 3.03% | 1.52% | -15.83% |
| GB:CVSG | 55Neutral | GBP 885.45M | 53.08 | 5.91% | 0.64% | 5.88% | -9.18% |
* Consumer Cyclical Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| GB:XPS | XPS Pensions Group Plc | 343.00 | 15.88 | 4.85% | |
| GB:CVSG | CVS Group plc | 1327.00 | 63.79 | 5.05% | |
| GB:MER | Mears Group Plc | 408.00 | 70.69 | 20.96% | |
| GB:RFX | Ramsdens Holdings | 631.00 | 303.94 | 92.93% |
XPS Pensions Group Plc Corporate Events
XPS Pensions lifts outlook on double-digit revenue growth and strengthening insurance practice
PositiveXPS Pensions Group reported a strong post-close trading performance for the six months to 30 September, with group revenues up 12% and organic growth accounting for 11% of the increase. Advisory revenues rose 14%, administration grew 10% and SIP reve...
XPS Pensions Group schedules half-year trading update and results
NeutralXPS Pensions Group plc, a UK-focused pensions and insurance consulting and administration specialist, supports over 1,300 pension schemes and their sponsoring employers, as well as UK insurance companies, with advisory, administration and technology-...
XPS Pensions Group Wins Strong Shareholder Backing at 2026 AGM
PositiveXPS Pensions Group plc reported that all resolutions at its Annual General Meeting on 8 September 2026 were approved, covering its annual accounts, a final dividend of 9.1p per share, directors’ remuneration, board elections and re‑electi...
XPS Pensions Co-CEOs Trim Holdings but Retain Significant Stakes
PositiveXPS Pensions Group plc has disclosed that co-chief executives Paul Cuff and Ben Bramhall have sold 319,195 and 302,077 ordinary shares respectively on 7 August 2026 at 340.06p per share on the London Stock Exchange. Despite the disposals, both execut...
XPS Pensions Group Completes Acquisition of APR Assets to Drive Diversification
PositiveXPS Pensions Group plc, a leading UK pensions consulting and administration business, serves more than 1,300 pension schemes and their sponsoring employers as well as UK insurers. The firm administers benefits for approximately 1.2 million members an...
XPS Pensions CFO and Associate Disclose Share Sales Under UK Market Rules
NeutralXPS Pensions Group plc, a specialist in UK pension consulting and administration, has disclosed share transactions involving its chief financial officer and a closely associated person. The group, which advises over 1,300 pension schemes and administ...
XPS Pensions Group executives exercise share options and sell stock to cover tax
NeutralXPS Pensions Group plc disclosed a series of transactions by its senior leadership involving the exercise of nominal-cost options under the company’s Performance Share Plan. Co-chief executives Paul Cuff and Ben Bramhall, along with chief finan...
XPS Pensions Director Michelle Cracknell Increases Stake with Share Purchase
PositiveXPS Pensions Group plc has disclosed that independent non-executive director Michelle Cracknell, who is classified as a person discharging managerial responsibilities, purchased 5,979 ordinary shares in the company on 20 July 2026 at 332.7 pence per...
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Oct 16, 2026