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XPS Pensions Group plc (XPS.L)
Reading, GB
XPS Pensions Group plc, operating through its various subsidiaries, specializes in delivering expert employee benefits consulting and a wide array of associated professional services throughout the United Kingdom. The firm provides strategic advisory services to both pension schemes and their corporate sponsors, alongside offering impartial investment guidance. Its comprehensive service portfolio includes the provision of defined benefit (DB) and defined contribution (DC) master trust schemes, as well as services for self-invested personal pensions (SIPPs) and small self-administered schemes (SSAS). Beyond advisory functions, the group offers a broad spectrum of administration services. These encompass general scheme administration, outsourcing solutions, robust member communication strategies, vigilant scam detection and prevention, efficient payroll processing, detailed pension scheme accounting, assistance with de-risking initiatives, expert technical consultancy, Guaranteed Minimum Pension (GMP) equalization, thorough data auditing and cleansing, confidential trustee secretarial support, and holistic pension management. Established in 2012, XPS Pensions Group plc maintains its headquarters in Reading, United Kingdom. The company was previously known as Xafinity Plc before officially rebranding to XPS Pensions Group Plc in May 2018.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +2.26% | -2.76% | +3.93% | +8.93% | -6.63% | -6.49% | -13.15% | +81.14% | +128.06% | +105.84% | +334.25% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-06 | Change |
|---|---|---|
| Strong Buy | 1 | 0 |
| Buy | 8 | -1 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth Personal Products & Services: +6.6%+13.3% ★ Q1'26: +27.8% (vs Q1'24)
-
EPS growth Personal Products & Services: +19.6%-14.3% Q1'26: -62.0% (vs Q1'24)
-
FCF margin FCF growth · Personal Products & Services: +11.7%+15.3% ★ Q1'26: +27.1% (vs Q1'24)
-
EBIT margin Personal Products & Services: +10.5%+16.5% ★ Q1'26: +20.5% (vs Q1'24)
-
ROIC Personal Products & Services: +6.9%+12.6% ★ Q1'26: +33.3% (vs Q1'24)
-
Share dilution Personal Products & Services: +0.0%-2.2% ★ Q1'26: -2.5% (vs Q1'24)
-
Debt / EBITDA Net debt/EBITDA · Personal Products & Services: 0.59×1.31× Q1'26: 0.55× (vs Q1'24)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Mar 2017 actual |
Mar 2018 actual |
Mar 2019 actual |
Mar 2020 actual |
Mar 2021 actual |
Mar 2022 actual |
Mar 2023 actual |
Mar 2024 actual |
Mar 2025 actual |
Mar 2026 8 Rev. Ana. 7 EPS Ana. |
Mar 2027 7 Rev. Ana. 7 EPS Ana. |
Mar 2028 8 Rev. Ana. 7 EPS Ana. |
Mar 2029 2 Rev. Ana. 2 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
49.49M
est: 52.10M (-5.0%)
|
62.67M
est: 64.70M (-3.1%)
|
109.89M
est: 112.83M (-2.6%)
|
119.75M
est: 119.77M (0.0%)
|
127.93M
est: 127.04M (+0.7%)
|
138.62M
est: 138.28M (+0.3%)
|
166.79M
est: 165.88M (+0.6%)
|
199.43M
est: 199.92M (-0.2%)
|
231.79M
est: 230.33M (+0.6%)
|
261.93M
260.76M – 263.41M
+13.7% YoY
|
279.12M
278.09M – 281.05M
+6.6% YoY
|
296.68M
294.01M – 301.04M
+6.3% YoY
|
315.15M
315.05M – 315.25M
+6.2% YoY
|
| EBITDA |
1.87M
est: 13.13M (-85.8%)
|
14.49M
est: -17.85M (+181.2%)
|
23.46M
est: 30.59M (-23.3%)
|
24.42M
est: 24.99M (-2.3%)
|
24.36M
est: 21.42M (+13.7%)
|
30.26M
est: 22.44M (+34.9%)
|
34.58M
est: 23.49M (+47.2%)
|
79.27M
est: 24.90M (+218.4%)
|
57.26M
est: 58.91M (-2.8%)
|
67.16M
66.85M – 67.53M
+14.0% YoY
|
71.56M
71.30M – 72.06M
+6.6% YoY
|
76.06M
75.38M – 77.18M
+6.3% YoY
|
80.80M
80.77M – 80.83M
+6.2% YoY
|
| EBIT |
-9.56M
est: 9.24M (-203.5%)
|
4.08M
est: -6.76M (+160.3%)
|
12.80M
est: 8.22M (+55.6%)
|
13.11M
est: 13.47M (-2.7%)
|
12.88M
est: 14.36M (-10.3%)
|
18.34M
est: 15.05M (+21.9%)
|
22.19M
est: 15.75M (+40.9%)
|
66.43M
est: 16.69M (+298.0%)
|
43.44M
est: 51.02M (-14.9%)
|
58.16M
57.90M – 58.49M
+14.0% YoY
|
61.98M
61.75M – 62.41M
+6.6% YoY
|
65.88M
65.29M – 66.85M
+6.3% YoY
|
69.98M
69.96M – 70.00M
+6.2% YoY
|
| Net Income |
-13.53M
est: 18.40M (-173.5%)
|
2.22M
est: -15.90M (+113.9%)
|
11.51M
est: 20.23M (-43.1%)
|
7.40M
est: 12.01M (-38.4%)
|
8.96M
est: 7.90M (+13.4%)
|
9.42M
est: 8.28M (+13.8%)
|
15.84M
est: 15.84M (+0.0%)
|
54.17M
est: 54.17M (+0.0%)
|
30.34M
est: 40.27M (-24.6%)
|
45.87M
45.31M – 46.43M
+13.9% YoY
|
49.90M
48.57M – 51.23M
+8.8% YoY
|
53.54M
51.32M – 55.75M
+7.3% YoY
|
58.05M
53.08M – 63.02M
+8.4% YoY
|
| SGA |
47.27M
est: 6.98M (+576.9%)
|
48.17M
est: 58.74M (-18.0%)
|
86.44M
est: 83.99M (+2.9%)
|
91.50M
est: 90.19M (+1.5%)
|
22.85M
est: 97.74M (-76.6%)
|
25.30M
est: 102.43M (-75.3%)
|
27.37M
est: 107.23M (-74.5%)
|
15.15M
est: 113.63M (-86.7%)
|
15.98M
est: 22.59M (-29.2%)
|
25.75M
25.64M – 25.90M
+14.0% YoY
|
27.44M
27.34M – 27.63M
+6.6% YoY
|
29.17M
28.90M – 29.60M
+6.3% YoY
|
30.98M
30.97M – 30.99M
+6.2% YoY
|
| EPS |
-0.13
est: 0.08 (-255.0%)
|
0.01
est: 0.09 (-84.0%)
|
0.06
est: 0.10 (-44.4%)
|
0.04
est: 0.10 (-63.0%)
|
0.04
est: 0.10 (-55.0%)
|
0.05
est: 0.10 (-54.7%)
|
0.08
est: 0.12 (-37.3%)
|
0.26
est: 0.15 (+76.5%)
|
0.15
est: 0.19 (-22.1%)
|
0.21
0.21 – 0.22
+10.9% YoY
|
0.23
0.23 – 0.24
+8.0% YoY
|
0.25
0.24 – 0.26
+7.6% YoY
|
0.27
0.25 – 0.29
+9.0% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-06-19 | B+ | 3/5 | 4/5 | 4/5 | 5/5 | 2/5 | 2/5 | 2/5 |
| 2026-06-18 | B+ | 3/5 | 5/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-06-17 | B+ | 3/5 | 5/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-06-16 | B+ | 3/5 | 5/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-06-15 | B+ | 3/5 | 5/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-06-12 | B+ | 3/5 | 5/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-06-11 | B+ | 3/5 | 5/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-06-10 | B+ | 3/5 | 5/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-06-09 | B+ | 3/5 | 5/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-06-08 | B+ | 3/5 | 5/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-06-05 | B+ | 3/5 | 5/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-06-04 | B+ | 3/5 | 5/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-06-03 | B+ | 3/5 | 5/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-06-02 | B+ | 3/5 | 5/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-06-01 | B+ | 3/5 | 5/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-29 | B+ | 3/5 | 5/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-28 | B+ | 3/5 | 5/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-27 | B+ | 3/5 | 5/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-26 | B+ | 3/5 | 5/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-22 | B+ | 3/5 | 5/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-21 | B+ | 3/5 | 5/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-20 | B+ | 3/5 | 5/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-19 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-18 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-15 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-14 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-13 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-12 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-11 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-08 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-07 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-06 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-05 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-01 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-30 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-29 | B+ | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-28 | B+ | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-27 | B+ | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-24 | B+ | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-23 | B+ | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-22 | B+ | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-21 | B+ | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-20 | B+ | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-17 | B+ | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-16 | B+ | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 2/5 | 2/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | WisdomTree UK Quality Dividend Growth UCITS ETF - GBP UGRW.L | 0.31% | 33.3K | 0.29% |
| 2 | Amundi Prime UK Mid & Small Cap UCITS ETF DR - GBP (D) PRUK.L | 0.27% | 1.16M | 0.05% |
| 3 | WisdomTree Europe SmallCap Dividend UCITS ETF WTES.DE | 0.22% | 206.1K | 0.38% |
| 4 | WisdomTree Europe SmallCap Dividend UCITS ETF Acc DFEA.L | 0.22% | 206.1K | 0.38% |
| 5 | Invesco FTSE 250 UCITS ETF S250.L | 0.21% | 73.2K | 0.12% |
| 6 | iShares FTSE 250 UCITS ETF MIDD.L | 0.20% | 1.72M | 0.40% |
| 7 | HSBC FTSE 250 UCITS ETF HMCX.L | 0.20% | 136.8K | 0.09% |
| 8 | Xtrackers FTSE 250 UCITS ETF 1D XMCX.L | 0.20% | 77.8K | 0.15% |
| 9 | Vanguard FTSE 250 UCITS ETF VMIG.MI | 0.19% | 4.92M | 0.10% |
| 10 | Vanguard FTSE 250 UCITS ETF (GBP) Distributing VMID.DE | 0.19% | 4.92M | 0.10% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Ben Bramhall | Co-CEO & Director | 964.7K | male |
| Paul Cuff | Co-CEO & Director | 964.7K | male |
| Snehal Shah | Chief Financial Officer & Executive Director | 755.5K | male |
| Neil Macbeth | Partner & Head of Pensions of Reading | — | male |
| Patrick McCoy | Partner & Head of Advisory | — | male |
| Zoe Adlam | Partner & General Counsel | — | female |
| Rachel Gillion | Partner & HR Director | — | female |
| Simeon Willis | Partner & Chief Investment Officer | — | male |
| Mary McGrath | Partner and Head of Marketing & Business Development | — | female |
| Jon Marchant | Partner & Chief Information Officer | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for XPS.L
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
