XPS Pensions Group/£XPS
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About XPS Pensions Group
XPS Pensions Group is a UK-based consultancy firm specializing in pensions and employee benefit solutions. The company provides a range of services, including actuarial consulting, administration, and investment advice tailored to pension schemes. XPS Pensions Group is headquartered in Reading, England, and operates primarily within the United Kingdom. Its strategic positioning is strengthened by a focus on independence and comprehensive advisory capability, catering to both trustees and employers across various sectors. The firm’s deep expertise in pension regulations and scheme management supports its competitive advantage in the financial services industry.
- Ticker
- £XPS
- Sector
- Finance
- Primary listing
- LSE
- Employees
- 2,024
- Headquarters
- Reading, United Kingdom
- Website
- www.xpsgroup.com
XPS Metrics
BasicAdvanced
£710M
28.19
£0.12
0.35
£0.13
3.78%
Price and volume
Market cap
£710M
Beta
0.35
52-week high
£3.64
52-week low
£2.75
Average daily volume
809K
Dividend rate
£0.13
Financial strength
Current ratio
1.61
Quick ratio
1.61
Long term debt to equity
0.427
Total debt to equity
0.447
Dividend payout ratio (TTM)
94.31%
Interest coverage (TTM)
12.02%
Profitability
EBITDA (TTM)
61.92
Gross margin (TTM)
19.50%
Net profit margin (TTM)
10.11%
Operating margin (TTM)
19.50%
Effective tax rate (TTM)
31.40%
Revenue per employee (TTM)
£130,000
Management effectiveness
Return on assets (TTM)
9.80%
Return on equity (TTM)
14.74%
Valuation
Price to earnings (TTM)
28.185
Price to revenue (TTM)
2.719
Price to book
4.06
Price to tangible book (TTM)
-16.34
Price to free cash flow (TTM)
15.784
Free cash flow yield (TTM)
6.34%
Free cash flow per share (TTM)
0.221
Dividend yield (TTM)
3.78%
Growth
Revenue change (TTM)
13.32%
Earnings per share change (TTM)
-10.15%
3-year revenue growth (CAGR)
16.39%
10-year revenue growth (CAGR)
17.63%
3-year earnings per share growth (CAGR)
19.32%
10-year earnings per share growth (CAGR)
14.89%
3-year dividend per share growth (CAGR)
16.26%
What the Analysts think about XPS
Analyst ratings (Buy, Hold, Sell) for XPS Pensions Group stock.
Analyst projections of the future price of XPS Pensions Group stock.
Bulls say / Bears say
XPS delivered a fourth straight year of double-digit revenue growth in FY26: revenue rose 13%, or 18% excluding the prior-year McCloud project. Growth was 12% organic on that adjusted basis, suggesting momentum was not simply acquisition-led. (XPS Pensions Group)
The new run-on service gives XPS a way to earn advisory work as well-funded pension schemes consider using surpluses rather than buying out. XPS said it had already worked with more than 10 schemes representing over £50bn of assets, while 41% of medium-to-large schemes were exploring run-on. (XPS Pensions Group)
Insurance consulting is becoming a larger source of growth beyond traditional pension advice: insurer revenues tripled and reached 10% of group revenue in FY26. The Advisory division, which includes this work, grew 20%. (XPS Pensions Group)
Profit conversion weakened in FY26: operating expenses rose 16%, faster than revenue growth of 13%, and statutory profit before tax fell 5% to £38.7m. This raises a question over whether growth is translating into reported earnings. (Financial News)
Pension buy-in activity started 2026 below expectations, with first-half insurer deal volumes of £10.2bn. XPS expects £35bn–£40bn for the full year, around 2025 levels, and notes that the outcome depends heavily on when larger deals complete. (XPS Group)
The potential boost from surplus-management advice depends partly on regulations that are not yet finalised. XPS expects more activity once the rules are settled, so delays or changes to the framework could push back this source of growth. (XPS Pensions Group)
Data summarised monthly by Lightyear AI. Last updated on 15 Oct 2026.
XPS Financial Performance
Revenues and expenses
XPS Earnings Performance
Company profitability
Upcoming events
No upcoming events
Funds containing XPS
AllGBPUSD
Fund name | Fund size | £XPS weighting |
|---|---|---|
iShares FTSE 250£MIDD | £672M | 0.22% |
Vanguard FTSE 250£VMIG | £569M | 0.19% |
Vanguard FTSE 250£VMID | £1.5B | 0.19% |
Xtrackers MSCI Europe Small Cap£XXSC | $3.6B | 0.05% |
Xtrackers MSCI Europe Small Cap€DX2J | $3.6B | 0.05% |
Latest price is delayed by 15 minutes. Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Market data provided by London Stock Exchange, through Infront.