YOLFTbeta
XPS Pensions Group PLC

XPS Pensions Group PLC

XPS · LSE · Consumer Cyclical / Personal Services

352.00GBX-0.50 (-0.14%)

Price History

Full chart

Market Stats

Previous Close352.50
Open352.00
Day Range349.00 – 352.50
52-Week Range267.43 – 354.02
Volume172.46K
Market Cap600.97M
P/E (TTM)24.67
Forward P/E13.21
EPS0.12
Dividend Yield4.48%
Beta0.35
50-Day Avg315.68
200-Day Avg315.83

About

XPS Pensions Group plc, together with its subsidiaries, provides consulting and administration services related to UK pension schemes and insurers in the United Kingdom. It offers convent and pension advisory; investment and insurance consulting; DB master trust schemes; and self-invested personal pension and SSAS pension services. The company also provides pension administration services, such as scheme administration, outsourcing, payroll, scheme accounting, communications, and scam identification and protection, as well as de-risking projects, GMP equalization, data audits and cleansing, and trustee secretarial services. In addition, it provides XPS Arena, a digital learning platform; trustee and governance services; and technology and trackers. Further, the company offers employee benefit consultancy and related business services; and involved in the management consultancy activities. The company was formerly known as Xafinity Plc and changed its name to XPS Pensions Group Plc in May 2018. XPS Pensions Group plc was incorporated in 2012 and is based in Reading, the United Kingdom.

Company Details

  • SectorConsumer Cyclical
  • IndustryPersonal Services
  • CEOMr. Ben Bramhall
  • Employees2.02K
  • HeadquartersPhoenix House, Reading, United Kingdom, RG1 1NB, UK
  • Websitehttps://www.xpsgroup.com

Leadership

  • Mr. Ben BramhallCo-CEO & Director · b. 1977
  • Mr. Paul CuffCo-CEO & Director · b. 1976
  • Mr. Snehal ShahCFO & Executive Director · b. 1975
  • Mr. Simeon WillisPartner & Chief Investment Officer
  • Mr. Jon MarchantPartner & Chief Information Officer
  • Ms. Zoe AdlamPartner & General Counsel
  • Ms. Mary McGrathPartner and Head of Marketing & Business Development
  • Ms. Rachel GillionPartner & HR Director
  • Mr. Neil MacbethPartner & Head of Pensions of Reading · b. 1971
  • Mr. Patrick McCoyPartner & Head of Advisory

Financials

Income Statement

Currency: GBP2014-03-312015-03-312016-03-312017-03-312018-03-312019-03-312020-03-312021-03-312022-03-312023-03-312024-03-312025-03-312026-03-31
Total Revenue51.64M49.97M51.77M49.49M62.67M109.89M119.75M127.93M138.62M166.79M199.43M231.78M262.55M
Growth (%)--3.23%+3.60%-4.40%+26.63%+75.36%+8.98%+6.83%+8.36%+20.32%+19.57%+16.22%+13.27%
Cost of Revenue21.14M21.11M21.62M21.02M35.42M47.11M54.54M78.00M83.06M101.44M95.42M108.86M16.47M
Gross Profit30.50M28.86M30.15M28.47M27.25M62.78M65.22M49.93M55.56M65.36M104.01M122.92M246.08M
Gross Margin59.06%57.75%58.24%57.53%43.48%57.13%54.46%39.03%40.08%39.18%52.15%53.03%93.73%
Operating Expense24.05M19.39M18.45M30.95M18.63M52.47M48.28M34.32M37.22M39.95M37.03M78.74M194.87M
Operating Income6.45M9.47M11.70M-2.48M8.62M10.31M16.93M15.61M18.34M25.40M66.97M44.18M51.22M
Operating Margin12.49%18.94%22.60%-5.02%13.75%9.38%14.14%12.20%13.23%15.23%33.58%19.06%19.51%
EBITDA16.90M14.84M16.46M1.86M14.49M23.45M24.42M24.36M30.26M34.58M79.27M57.26M59.79M
EBITDA Margin32.74%29.70%31.79%3.77%23.13%21.34%20.39%19.04%21.83%20.73%39.75%24.71%22.77%
Net Income-2.84M746.00K2.99M-13.53M2.22M11.51M7.40M8.96M9.42M15.84M54.17M30.34M26.56M
Net Income Margin-5.50%1.49%5.78%-27.34%3.54%10.47%6.18%7.01%6.80%9.50%27.16%13.09%10.12%
Interest Expense8.32M5.36M7.81M8.26M1.28M1.76M2.38M1.86M2.05M3.60M3.95M2.69M4.61M
Interest Expense % of Total Revenue16.12%10.72%15.09%16.68%2.04%1.60%1.99%1.45%1.48%2.16%1.98%1.16%1.75%

Balance Sheet

Currency: GBP2014-03-312015-03-312016-03-312017-03-312018-03-312019-03-312020-03-312021-03-312022-03-312023-03-312024-03-312025-03-312026-03-31
Total Assets93.63M86.02M78.75M77.77M255.65M250.78M277.69M266.01M271.65M283.76M281.87M323.48M329.49M
Total Liabilities95.54M87.14M100.10M48.82M102.27M94.37M124.75M116.95M127.22M134.48M96.01M138.07M154.64M
Total Equity-1.90M-1.12M-21.35M28.95M153.38M156.40M152.94M149.07M144.44M149.28M185.85M185.41M174.85M
Cash9.88M6.67M2.74M4.88M9.40M5.54M14.43M8.62M10.15M13.29M10.01M14.72M16.85M
Total Debt74.23M67.84M83.30M32.85M55.10M57.01M82.99M70.95M74.99M77.25M32.55M68.97M78.08M
Net Debt64.35M61.17M80.56M27.97M45.70M51.47M68.56M62.32M64.84M63.96M22.55M54.26M61.23M

Cash Flow

Currency: GBP2014-03-312015-03-312016-03-312017-03-312018-03-312019-03-312020-03-312021-03-312022-03-312023-03-312024-03-312025-03-312026-03-31
Operating Cash Flow10.49M14.22M13.26M11.40M10.49M15.51M23.46M30.88M28.66M34.56M42.93M41.82M51.60M
Investing Cash Flow-68.14M-2.57M-574.00K-1.17M-89.94M-8.00M-10.81M-3.61M-9.37M-13.76M29.17M-21.86M-9.98M
Financing Cash Flow67.53M-14.86M-16.62M-8.09M83.98M-11.37M-3.76M-33.08M-17.76M-17.68M-75.39M-15.25M-39.49M
Capital Expenditure1.57M2.60M184.00K444.00K241.00K1.93M3.40M2.90M9.34M5.45M7.51M8.19M2.15M
Free Cash Flow8.92M11.63M13.08M10.96M10.25M13.58M20.06M27.98M19.32M29.10M35.42M33.63M49.45M
Dividends Paid--20.60M3.82M3.82M13.21M13.41M13.92M14.10M15.33M18.02M22.18M25.05M
FCF to OCF85.04%81.75%98.61%96.10%97.70%87.57%85.51%90.62%67.41%84.22%82.52%80.41%95.84%
Dividend Paid to FCF--157.48%34.89%37.30%97.25%66.86%49.76%72.98%52.68%50.88%65.98%50.65%

Earnings

Report DateMay 4, 2016Feb 15, 2017Sep 15, 2017Dec 7, 2017Jun 26, 2018Nov 29, 2018Jun 27, 2019Nov 28, 2019Jun 25, 2020Nov 26, 2020Jun 24, 2021Nov 25, 2021Jun 23, 2022Dec 7, 2022Jun 22, 2023Nov 21, 2024Jun 19, 2025Jul 9, 2025Nov 19, 2025
EPS Estimate0.000.000.000.000.000.000.000.000.000.00----0.000.00-0.00-
EPS Actual0.010.01-0.130.030.020.000.050.020.020.010.030.010.040.030.000.060.080.080.10
Surprise-------------------
Timing-------------After-hoursPre-market-Pre-market-Pre-market

Key Statistics & Ratios

Market Cap600.97M
Enterprise Value680.47M
Trailing P/E24.67
Forward P/E13.21
Price / Sales2.29
Price / Book3.54
EPS0.12
Book Value0.862
Revenue (TTM)262.66M
Gross Profit (TTM)102.54M
EBITDA61.92M
Profit Margin10.11%
Operating Margin22.40%
Return on Equity14.74%
Return on Assets9.80%
Shares Outstanding203.03M
Shares Float177.57M
Beta0.35
Dividend Yield4.48%
Dividend Rate0.13
Payout Ratio136.08%

Dividends

20262×
0.09Aug 20, 20260.04Jan 8, 2026
20252×
0.08Aug 21, 20250.04Jan 9, 2025
20242×
0.07Aug 22, 20240.03Jan 11, 2024
20232×
0.06Aug 24, 20230.03Jan 5, 2023
20222×
0.05Aug 25, 20220.02Jan 6, 2022
20212×
0.04Aug 26, 20210.02Jan 7, 2021
20202×
0.04Aug 27, 20200.02Jan 9, 2020
20192×
0.04Aug 29, 20190.02Jan 10, 2019
20181×
0.04Aug 30, 2018
20172×
0.02Dec 28, 20170.01Aug 31, 2017