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XPS Pensions Group PLC

Consumer Cyclical GB XPS

301.5GBX
-6.5(2.11%)

Last update at 2026-06-03T15:39:00Z

Day Range

297.50309.50
LowHigh

52 Week Range

275.00411.52
LowHigh

Fundamentals

  • Previous Close 308.00
  • Market Cap622.60M
  • Volume369499
  • P/E Ratio25.38
  • Dividend Yield3.99%
  • EBITDA58.11M
  • Revenue TTM246.90M
  • Revenue Per Share TTM1.20
  • Gross Profit TTM 225.17M
  • Diluted EPS TTM0.12

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Type yearly yearly yearly yearly yearly
Date 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Income before tax 40.75M 62.48M 19.14M 16.94M 11.37M
Minority interest - - - - -
Net income 30.34M 54.17M 15.84M 9.42M 8.96M
Selling general administrative 15.98M 15.15M 24.28M 22.62M 100.85M
Selling and marketing expenses - - - - -
Gross profit 122.92M 104.01M 85.45M 71.90M 65.88M
Reconciled depreciation 13.83M 12.84M 12.39M 11.92M 11.47M
Ebit 43.44M 66.43M 24.86M 17.69M 15.08M
Ebitda 57.26M 79.27M 37.25M 29.62M 26.56M
Depreciation and amortization 13.83M 12.84M 12.39M 11.92M 11.47M
Non operating income net other - - - - -
Operating income 44.18M 66.97M 22.73M 18.99M 13.41M
Other operating expenses 187.60M 132.46M 141.19M 120.28M 112.32M
Interest expense 2.69M 3.95M 3.05M 1.40M 1.51M
Tax provision 10.41M 8.31M 3.31M 7.52M 2.41M
Interest income 0.11M 0.05M 0.01000M 0.00000M 0.00300M
Net interest income -3.43200M -4.49300M -3.58600M -2.04700M -2.04200M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 10.41M 8.31M 3.31M 7.52M 2.41M
Total revenue 231.78M 199.43M 166.60M 138.62M 127.93M
Total operating expenses 78.74M 37.03M 141.19M 120.28M 112.32M
Cost of revenue 108.86M 95.42M 81.14M 66.72M 62.05M
Total other income expense net -3.43200M -4.49300M -6.26000M -1.40100M -4.24200M
Discontinued operations - - - - -
Net income from continuing ops 30.34M 54.17M 15.84M 9.42M 8.96M
Net income applicable to common shares - - - 9.42M 8.96M
Preferred stock and other adjustments - - - - -
Breakdown 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Type yearly yearly yearly yearly yearly
Date 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Total assets 323.48M 281.87M 283.76M 272.75M 266.01M
Intangible assets 97.70M 82.77M 86.74M 84.98M 84.44M
Earning assets - - - - -
Other current assets 9.66M 22.52M 38.78M 38.78M 34.63M
Total liab 138.07M 96.01M 134.48M 128.32M 116.95M
Total stockholder equity 185.41M 185.85M 149.28M 144.44M 149.07M
Deferred long term liab - - - - -
Other current liab 28.39M 33.03M 0.57M 0.77M 25.65M
Common stock 0.10M 0.10M 0.10M 0.10M 0.10M
Capital stock 0.10M 0.10M 0.10M 0.10M 0.10M
Retained earnings 149.97M 138.20M 100.06M -17.00200M -13.95800M
Other liab - - - 21.85M 18.07M
Good will 125.30M 125.30M 125.37M 121.82M 120.34M
Other assets - 281.87M - 2.91M 2.55M
Cash 14.72M 10.01M 13.29M 10.15M 8.62M
Cash and equivalents - - - - -
Total current liabilities 52.30M 47.94M 38.78M 34.23M 30.39M
Current deferred revenue - 45.10M 4.29M 3.44M -22.85200M
Net debt 54.26M 22.55M 63.96M 64.84M 62.32M
Short term debt 5.83M 1.87M 2.70M 2.75M 2.46M
Short long term debt - - - - -
Short long term debt total 68.97M 32.55M 77.25M 74.99M 70.95M
Other stockholder equity 35.33M 47.55M -100.16100M 16.90M 13.86M
Property plant equipment - - - 14.11M 15.43M
Total current assets 75.40M 60.93M 57.05M 48.93M 43.26M
Long term investments - - - - -
Net tangible assets - - - -62.36500M -55.71800M
Short term investments - - - -220.91400M -220.20900M
Net receivables 51.02M 45.39M 43.77M 38.78M 30.38M
Long term debt 54.02M 23.39M 67.31M 63.31M 58.88M
Inventory - -16.98900M - - -
Accounts payable 7.89M 2.84M 31.22M 27.27M 25.14M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income - 48.69M - - -
Additional paid in capital - - - - -
Common stock total equity - - - - 0.10M
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - - - -2.56300M
Accumulated amortization - - - - -
Non currrent assets other 5.97M -220.93800M -224.86600M -220.91400M -220.20900M
Deferred long term asset charges - - - - -
Non current assets total 248.08M 220.94M 226.71M 223.83M 222.76M
Capital lease obligations 14.95M 9.17M 9.94M 11.68M 12.07M
Long term debt total - - - - -
Breakdown 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Type yearly yearly yearly yearly yearly
Date 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Investments -21.85500M 29.17M -13.74500M -9.37300M -3.60600M
Change to liabilities - - - 2.31M 6.04M
Total cashflows from investing activities -21.85500M 29.17M - -9.37300M -3.60600M
Net borrowings 30.33M -44.00000M - 1.15M -14.06600M
Total cash from financing activities -15.24900M -75.38500M -17.67600M -17.75900M -33.07800M
Change to operating activities - - - -0.06500M -0.37300M
Net income 30.34M 54.17M 15.84M 9.42M 8.96M
Change in cash 4.71M -3.28000M 3.13M 1.53M -5.80900M
Begin period cash flow 10.01M 13.29M 10.15M 8.62M 14.43M
End period cash flow 14.72M 10.01M 13.29M 10.15M 8.62M
Total cash from operating activities 41.82M 42.93M 34.56M 28.66M 30.88M
Issuance of capital stock 0.87M 0.03M 2.66M 0.03M 0.16M
Depreciation 13.83M 12.84M 12.39M 11.92M 11.47M
Other cashflows from investing activities -5.98000M -5.60500M - -0.03400M -0.47700M
Dividends paid 22.18M 18.02M 15.33M 14.10M 13.92M
Change to inventory - - - - -
Change to account receivables -13.50900M -7.46200M -3.43200M -3.98200M -0.03600M
Sale purchase of stock -18.71500M -5.62100M -2.20000M -3.32400M -3.17000M
Other cashflows from financing activities -5.55000M -7.76600M 4.20M 1.63M -4.65100M
Change to netincome - - - 9.05M 4.81M
Capital expenditures 8.19M 7.51M 5.45M 9.34M 2.90M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital -10.00000M 4.15M 0.61M -1.73200M 5.63M
Stock based compensation 5.95M 4.91M 3.89M 3.34M 4.08M
Other non cash items 1.70M -31.45000M 3.39M 2.05M 1.62M
Free cash flow 33.63M 35.42M 29.10M 19.32M 27.98M

Peer Comparison

Sector: Consumer Cyclical Industry: Personal Services

Company Change (GBX) Price (GBX) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x) Enterprise Value to EBITDA (x)
XPS
XPS Pensions Group PLC		 -6.5 2.11% 301.50 25.38 12.76 2.52 3.57 2.75 12.30
0A3B
Musti Group Oyj		 13.88 89.84% 29.33 - - 1.23 5.79 1.58 14.62
MER
Mears Group plc		 -6.0 1.50% 394.50 6.62 7.61 0.26 1.37 0.48 3.41

Reports Covered

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Profile

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 personal pension and SSAS pension services. Further, it provides pension administer services, such as payroll, record keeping, calculations, communications, scheme accounting, and scam identification and protection, and management consultancy services, as well as de-risking projects, GMP equalization, trustee secretarial, and data audits and cleansing services. In addition, it provides XPS Arena, a digital learning platform; technologies; and trackers. 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.

XPS Pensions Group PLC

Phoenix House, Reading, United Kingdom, RG1 1NB

Key Executives

Name Title Year Born
Mr. Ben Bramhall Co-CEO & Director 1978
Mr. Paul Cuff Co-CEO & Director 1977
Mr. Snehal Shah Partner, CFO & Exec. Director NA
Mr. Simeon Willis Partner & Chief Investment Officer NA
Mr. Jon Marchant Partner & Chief Information Officer NA
Ms. Zoe Adlam Partner, Gen. Counsel & Company Sec. NA
Mary McGrath Partner and Head of Marketing & Bus. Devel. NA
Ms. Rachel Gillion Partner & HR Director - Reading NA
Mr. Neil Macbeth Partner & Head of Pensions of Reading 1971
Mr. Patrick McCoy Partner & Head of Advisory NA

Disclaimer - This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
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