Add To Watchlist
Share URL
XPS Pensions Group plc
XPS.L: LSELowest reading is at 63 out of 100. All scores are out of 100.
In Short
About The Company
CEO
Mr. Ben Bramhall
Market Cap
601.99 Million GBp
Sector
Consumer Cyclical
Website
https://www.xpsgroup.comLast Update
28/09/2026, 03:21:35
Description
XPS Pensions Group plc, together with its subsidiaries, provides consulting and administration services related to UK pension schemes and insurers in the United Kingdom.
Read More
Strongest readings
- ✔Dividend growth averages 17.57% per year
- ✔Cashflow and earnings growth is strong (growth score 80 out of 100)
- ✔Return on capital employed of 15.64% is above the market average of 10.00%
- ✔Debt is low at 0.45 times equity
- ✔Financial health is strong (health score 66 out of 100)
Weakest readings
- ✘A high share of income is paid out as dividend (94.31%)
- ✘Returns on capital have declined over five years (2.90% lower)
- ✘The current price sits above estimated fair value (margin of safety -27.24%)
- ✘Price-to-earnings of 22.8 is above the market average of 19.6
- ✘Share count has been rising at 0.49% per year
Key Figures
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Price / earnings (TTM) | 22.81x | 19.60x | |
| ✘ | Margin of safety (DCF) | -27.24% | 17.95% | |
| ✔ | Revenue growth (5y average) | 16.22% | 10.97% | |
| ✔ | Dividend yield (TTM) | 4.16% | 1.85% | |
| ✘ | Share count, per year | 0.49% | 0.00% | |
| ✔ | Return on capital employed | 15.64% | 10.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Valuation
63 / 100Priced at or below the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Price / earnings | 22.81x | 19.60x | |
| ✔ | Free cashflow yield | 7.52% | 4.70% | |
| Price / earnings growth | N/A | 1.50x | ||
| Price / book | 344.29x | — | ||
| ✘ | Margin of safety | -27.24% | 17.95% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Estimated intrinsic value of 215.72 GBp is below the current price of 296.50 GBp
Desired Margin Of Safety
0%
▼
Tip: Set your desired Margin Of Safety
Free Cash Flow Type
Annual Cashflow Growth
0%
Discount Rate
0%
Estimated Fair Value: 4.1 GBp ✘
Current Price: 296.5 GBp
How Does This Work?
Show Advanced Options
This calculator helps investors estimate the Intrinsic Value of a company based on the current value of future cash flows. To use the tool, simply input a desired Margin Of Safety, which is an additional discount applied to the present value of the expected future cash flows. The tool calculates the present value using a discount rate that reflects the risk and time value of money, and provides an estimated fair value for the company based on the selected margin of safety. The calculator defaults to using 5 Year Free Cash Flow Growth % and a discount rate based on the US 10-year treasury bond coupon rate. Use our performance analyser to get a feel for the impact this has on longterm investment returns and find a margin of safety you are comfortable with.
Growth
80 / 100Growing faster than the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Revenue growth | 16.22% | 10.97% | |
| ✔ | Earnings growth | 67.39% | 14.48% | |
| ✔ | Cashflow growth | 21.73% | 12.35% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Health
66 / 100Balance sheet covers its obligations.
Measured on Leverage and capital, Funding and liquidity, Earnings quality.
| Status | Metric | Value | Reading | Threshold |
|---|---|---|---|---|
| ✘ | Altman-Z score | 1.98 | 3.00 | |
| ✔ | Piotroski score | 6.00 | 5.00 | |
| ✔ | Debt / equity | 0.45x | 0.80x | |
| ✔ | Current ratio | 1.61x | 1.00x | |
| ✔ | Interest coverage | 10.09x | 2.50x | |
| ✔ | Free cashflow / debt | 0.58x | 0.15x | |
| ✔ | Debt / capital | 0.31x | 1.00x |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Dividend
59 / 100Covered, with limited headroom.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Dividend yield | 4.16% | 1.85% | |
| ✔ | Dividend growth | 12.90% | 0.00% | |
| ✘ | Payout ratio (earnings) | 94.31% | 40.00% | |
| ✔ | Payout ratio (cashflow) | 55.36% | 65.00% | |
| Worst year, last 5 years | N/A | -2.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Dividend growth has been slowing recently
Management
72 / 100Returns on capital are at or above the market.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Return on equity | 15.19% | 15.00% | |
| ✔ | Return on capital employed | 15.64% | 10.00% | |
| Return on assets | 8.06% | — | ||
| Free cashflow return on capital | 16.46% | — | ||
| ✘ | Return on capital, 5y change | -2.90% | 0.00% | |
| ✘ | Share count, per year | 0.49% | 0.00% | |
| Share count, recent | N/A | 0.00% | ||
| Realized buyback return | N/A | 0.00% | ||
| ✔ | Goodwill erosion / equity | 0.04% | 2.00% | |
| Price volatility, 5 year | 31.59% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘New shares were issued while the value score was 63 out of 100
Analysts
not enough data| Status | Metric | Value | Reading | Neutral |
|---|---|---|---|---|
| Analyst opinion score | N/A | 50 |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Financial History
Annual figures across the full reporting history we hold.
Market Peers
XPS.L
SEC Filings
Find yearly (10-K), quaterly (10-Q) and disclosure (8-K) report here, on the Securities and Exchange Commission's EDGAR database. If reading through reports isn't your cup of tea, don't worry. We've made it easy for you by summarizing all the important bits.
See 35+ Years Annual ReportsOther Information
Company Name
XPS Pensions Group plc
Currency
GBp
Beta
0.345
Vol Avg
941566
Ceo
Mr. Ben Bramhall
Cik
Cusip
Exchange
LSE
Full Time Employees
2024
Industry
Personal Services
Sector
Consumer Cyclical
Ipo Date
Address
Phoenix House
City
Reading
State
Country
United Kingdom
Zip
RG1 1NB
Phone
44 11 8918 5000
Analysis Last Updated
28/09/2026, 03:21:35
Financial data compiled from SEC EDGAR filings and Yahoo Finance.