XPS Pensions Group/£XPS
1D1W1MYTD1Y5YMAX
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
£617M
24.56
£0.12
0.35
£0.12
4.04%
Price and volume
Market cap
£617M
Beta
0.35
52-week high
£3.64
52-week low
£2.75
Average daily volume
813K
Dividend rate
£0.12
Financial strength
Current ratio
1.61
Quick ratio
1.418
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)
24.556
Price to revenue (TTM)
2.369
Price to book
3.54
Price to tangible book (TTM)
-14.21
Price to free cash flow (TTM)
13.752
Free cash flow yield (TTM)
7.27%
Free cash flow per share (TTM)
0.221
Dividend yield (TTM)
4.04%
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
Fourth consecutive year of double-digit revenue growth, with group revenues up 13% to £262.7 million (7% organic), underscores resilient demand for XPS’s consulting and administration services. (Reuters)
Advisory division, accounting for 57% of group revenues, saw a 20% increase to £150.1 million, driven by robust actuarial consulting and investment advice demand from pension trustees and insurers. (Reuters)
Acquisition of APR Actuarial Solutions in June 2026 expands XPS’s insurance consulting footprint, doubling its total addressable market to over £6 billion and enhancing cross-selling opportunities. (Reuters)
Adjusted EBITDA margin slipped to 28.8% from 30.1% as higher headcount, employer National Insurance costs and Polaris integration expenses drove a 15% rise in operating expenses, potentially constraining future margins. (Reuters)
Statutory profit before tax decreased by 5% to £38.7 million due to £25.4 million of exceptional and non-trading charges, highlighting earnings volatility from acquisition accounting. (Investegate)
Net debt/adjusted EBITDA rose to 0.64× from 0.57×, reflecting increased leverage post acquisitions and potentially limiting financial flexibility for further strategic investments. (Investegate)
Data summarised monthly by Lightyear AI. Last updated on 23 Aug 2026.
XPS Financial Performance
Revenues and expenses
XPS Earnings Performance
Company profitability
Upcoming events
Funds containing XPS
AllGBPEURUSD
Fund name | Fund size | £XPS weighting |
|---|---|---|
Vanguard FTSE 250£VMID | £1.6B | 0.21% |
iShares FTSE 250£MIDD | £661M | 0.19% |
Xtrackers MSCI Europe Small Cap€DX2J | €3.2B | 0.05% |
Xtrackers MSCI Europe Small Cap£XXSC | £2.8B | 0.05% |
iShares MSCI World Small Cap$WSML | $9B | 0.01% |
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.