XPS logo

XPS Pensions Group
XPS

Last Price

Financial Snapshot

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Market Data

Market Cap
£693.14M
EV
£771.49M
Shares Outstanding
215.57M
Beta
0.36
Industry
Personal Products & Services

Wall Street View

Analyst Rating
BUY
Analyst Target Price
Number of Analysts
10
P/E 2026E
15.80x
P/B 2026E
3.90x

Historical 3Y Growth Rate

Revenue
EBIT
EPS
BVPS

Forecasted 3Y Growth Rate

Revenue
EBIT
EPS
BVPS

Margins & Returns

Ebit Margin 2026E
25.16%
Net Profit Margin 2026E
9.45%
ROE 2026E
25.77%
ROA 2026E
7.16%

Dividends

DPS 2026E
£0.13
Payout Ratio 2026E
61.91%
Div. Yield 2026E
3.75%
DPS Last 3Y CAGR

Price Dynamic

Price

%

1M

3M

6M

1Y

3Y

5Y

Peers

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About XPS Pensions Group plc

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XPS logo

XPS Pensions Group plc

XPS

XPS Pensions Group plc, together with its subsidiaries, provides employee benefit consultancy and related business services in the United Kingdom. It offers convent and pension advisory; investment and insurance consulting; DB master trust schemes; and self-invested p...

Sector

Consumer Cyclical

Industry

Personal Products & Services

CEO

Data Unavailable

Employees

1,901

IPO Date

2017-02-16

Headquarters

Phoenix House, 1 Station Hill, Reading, Berkshire, RG1 1NB, United Kingdom

📊 Stock Price & Performance

The last closing price of XPS Pensions Group (XPS) is £3.38, reflecting a -1.46% change from the prior session. Last updated: December 31, 2025 at 7:30 AM Eastern Time

Review the recent XPS stock performance trends:Past 1 Month: XPS Pensions Group (XPS) shares have -6.35%.Past 3 Months: The stock has +0.00%.Past 6 Months: XPS shares have -11.60%. Last updated: December 31, 2025 at 11:49 PM Eastern Time

Over the last year, XPS Pensions Group (XPS) has established a 52-week price range between a high of £4.26 and a low of £3.07. This metric is essential for assessing the stock's annual volatility. Last updated: December 31, 2025 at 11:49 PM Eastern Time

XPS Pensions Group (XPS) is considered a low volatility stock. It has a beta of 0.36, which means it typically moves 0.36 times as much as the broader market. Over the past 52 weeks, XPS has traded within a £3.07 – £4.26 range. Last updated: December 31, 2025 at 11:49 PM Eastern Time

Based on current XPS analyst forecasts and market assumptions, the consensus price target for XPS Pensions Group (XPS) is £4.46 for 2027. Relative to the current price of £3.38, this implies a positive upside of +31.65%. Price targets reflect forward-looking estimates based on information available at the time and are inherently subject to change as underlying assumptions, company fundamentals, or market conditions evolve. Last updated: December 31, 2025 at 11:49 PM Eastern Time

A £1,000 investment in XPS Pensions Group 5 years ago, when the stock was trading around £1.29, would be worth approximately £2617.41 today, based solely on share price performance (excluding dividends). This represents a total return of 161.74% over the period, equivalent to a compound annual growth rate (CAGR) of 21.22%. Past performance reflects historical price movements only and does not imply future results. Last updated: December 31, 2025 at 11:49 PM Eastern Time

💰 Financial Metrics & Reports

The current XPS Pensions Group (XPS) market capitalization is approximately £693.14M, based on its latest share price and shares outstanding. Market capitalization represents the total market value of a company's equity and is calculated by multiplying the current stock price by the number of shares outstanding. As a result, XPS Pensions Group's market cap fluctuates with changes in its share price and share count. Last updated: December 31, 2025 at 11:49 PM Eastern Time

In the most recently reported quarter, XPS Pensions Group (XPS) generated £64.26M in revenue, representing a +13.33% year over year change. Quarterly revenue results and expectations reflect underlying demand trends, pricing dynamics, product or service mix, seasonality, and broader macroeconomic conditions. Actual results may differ from consensus estimates as new information becomes available. Last updated: January 1, 2026 at 2:45 AM Eastern Time

In the most recently reported fiscal year, XPS Pensions Group (XPS) generated net income of £30.34M, compared with £54.20M in the prior fiscal year, representing a -44.02% year over year change. For the upcoming fiscal year, analyst consensus currently estimates net income of £24.78M. Net income may be positive or negative and can fluctuate materially from year to year due to changes in operating performance, non-recurring or one-time items, accounting treatments, capital structure, and broader macroeconomic conditions. Last updated: January 1, 2026 at 2:45 AM Eastern Time

According to its latest quarterly filing, XPS Pensions Group (XPS) reported EBITDA of £13.96M, representing a +8.23% year over year change. EBITDA is a non-GAAP measure and does not account for depreciation, amortization, interest expense, taxes, or capital expenditures. As a result, it should be considered alongside other financial metrics when assessing operating performance. Actual results may differ from estimates as company-specific or macroeconomic conditions evolve. Last updated: January 1, 2026 at 2:45 AM Eastern Time

As of the most recent reporting period, the company's debt-to-equity ratio stands at 0.53x, calculated as total debt divided by total shareholders' equity. A lower debt-to-equity ratio generally indicates a more conservative capital structure with less reliance on external borrowing, while a higher ratio suggests greater financial leverage and potentially higher sensitivity to interest rates, refinancing conditions, and earnings volatility. The debt-to-equity ratio should be interpreted in the context of the company's industry, business model, cash flow stability, and balance sheet composition. Last updated: January 1, 2026 at 2:45 AM Eastern Time

Based on the latest available data, XPS Pensions Group (XPS) is currently trading at a last twelve months (LTM) P/E ratio of 28.38x. The P/E ratio reflects how much investors are willing to pay today for a dollar of earnings and can vary meaningfully over time due to changes in profitability, growth expectations, margin outlook, and earnings volatility. Last updated: January 1, 2026 at 2:45 AM Eastern Time

📅 Earnings & Dividends

In the most recently reported quarter, XPS Pensions Group (XPS) revenue was £64.26M. Earnings per share (EPS) for the quarter were £0.02. Revenue and EPS surprises may be positive or negative and can influence near-term stock performance depending on expectations, forward guidance, and broader market and sector conditions. For a detailed history of analyst expectations versus reported results, view the full estimates vs. actuals track record here: 👉 Estimates vs. Actuals Last updated: January 1, 2026 at 2:45 AM Eastern Time

XPS Pensions Group (XPS) has paid dividends over the last twelve months (LTM), totaling £0.12 per share. Based on current analyst expectations, dividends over the next twelve months (NTM) are estimated at £0.04 per share , implying a forward dividend yield of +1.18% at the current share price. Dividend payments are subject to board approval and may change depending on profitability, cash flow, capital allocation priorities, and broader market conditions. Last updated: January 1, 2026 at 2:45 AM Eastern Time

📈 Analyst Information

Analyst assessments of whether XPS Pensions Group (XPS) consensus price target is overvalued or undervalued are generally expressed relative to consensus valuation frameworks and price targets, rather than as an absolute judgment.Current share price: £3.38Consensus price target: £4.46Implied return: +31.65% An implied return above current levels indicates that, on average, analysts view the stock as trading below their estimated fair value. Conversely, an implied return below current levels suggests the stock may be fully valued or priced above consensus expectations. This content is for informational purposes only and does not constitute investment advice. Last updated: January 1, 2026 at 2:45 AM Eastern Time

Based on the latest available analyst coverage, XPS Pensions Group (XPS) currently carries a Buy consensus rating. Analysts' average XPS price target is £4.46. Relative to the current share price of £3.38, this suggests a potential price change of approximately +31.65%. Analyst views are forward-looking estimates and should not be considered investment advice. Last updated: January 1, 2026 at 2:45 AM Eastern Time

Like other publicly traded stocks, XPS Pensions Group (XPS) shares are bought and sold on stock exchanges such as LSE and other supported markets, depending on the listing. The most common way to buy shares is through an online brokerage account. To get started, you typically need to: Open an account with a licensed stock brokerComplete the broker's verification processFund your accountPlace a buy order for XPS Pensions Group (XPS) shares Trading involves risk, and investors should consider their financial objectives and risk tolerance before investing.

ℹ️ Company Information

At the top right of this page, you'll see a star icon labeled Add to watchlist. Click it to add XPS to your watchlist.

XPS Pensions Group trades under the ticker symbol XPS on the LSE stock exchange. The ticker XPS is used to identify the company's common stock across trading platforms, market data providers, and regulatory filings.

As of the most recently reported period, XPS Pensions Group (XPS) employs approximately 1,901 people worldwide. Reported employee figures may fluctuate over time due to hiring activity, restructuring, automation initiatives, or changes in business strategy. Headcount data is typically disclosed in company filings and reflects full-time employees unless otherwise stated. Last updated: December 31, 2025 at 11:49 PM Eastern Time

XPS Pensions Group (XPS) operates in a highly competitive market with companies that often have different business models, geographic exposure, and end markets. While no two companies are identical, the following firms are generally considered the closest XPS Pensions Group (XPS) stock peers based on overlapping products, services, and competitive dynamics:Begbies Traynor Group (BEG)JTC (JTC)Willis Towers Watson Public Limited (WTW)Aon (AON) These peers may differ in size, business mix, financial profile, and strategic focus, but they are commonly referenced due to overlapping markets, customer segments, or competitive positioning relative to XPS Pensions Group.

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Market data is sourced from S&P Global Market Intelligence. All insights and analysis are developed by Gainify. Copyright © 2026, S&P Global Market Intelligence. All rights reserved.

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