XPS.L
XPS Pensions Group plc
Consumer Cyclical · Personal Services · LSE
$315.50
Data: 2026-05-28
✓ ETHICAL PASS

Unknown MOAT
HIGH
Data Confidence: 100.0%
Key Metrics

How this company measures up on the fundamentals that matter

Market Cap
$623M
Total market value of the company
Trailing P/E
25.38
Premium valuation
Forward P/E
13.19
Based on estimated future earnings — lower means cheaper
Rev Growth
+13.3%
Year-over-year revenue change
Profit Margin
10.5%
How much profit the company keeps from each dollar of revenue
ROE
14.8%
Return on equity — how efficiently it uses shareholder money
Analyst Target
$460.00
+46% from current price — median analyst estimate
Recommendation
NONE
Consensus view from 9 analysts covering this stock
About XPS Pensions Group plc

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.

https://www.xpsgroup.com

Country: United Kingdom Employees: 1,901 Industry: Personal Services
Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity
PASS
Core business does not involve prohibited activities
Debt Ratio
0.0% N/A
Debt must be below 33% of total assets
Cash Ratio
0.0% N/A
Interest-bearing cash below 33% of assets
Receivables
0.0% N/A
Receivables below 49% of assets
Revenue Purity
0.0% PASS
Non-compliant revenue below 5% — any excess requires purification
Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

Regime
ACCUMULATION
Smart money appears to be building positions quietly
Sharpe Ratio
0.439
Positive but modest risk-adjusted returns
Kelly Fraction
-0.0253
No positive edge detected — the data suggests staying out
Calmar Ratio
0.294
Drawdown risk outweighs the returns — higher risk profile
Annual Return
9.2%
Historical annualised return based on price data
Max Drawdown
-31.2%
Largest peak-to-trough decline — the worst it has been
HMM State
BULL
Statistical model sees bullish momentum
Days in State
2
How long the current regime has persisted — longer means more stable
Market Data

Trading characteristics and market positioning

Beta
0.35
Very low correlation to market moves
52W High
$410.43
23% below the year high
52W Low
$275.00
15% above the year low
Avg Volume
640,309
Average daily shares traded — higher means easier to buy and sell
Short Ratio
N/A
Days it would take all short sellers to cover — higher means more crowded
Short % Float
N/A
Div Yield
399.0%
Annual dividend as a percentage of the share price
EPS (TTM)
$0.12
Earnings per share over the last 12 months
Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Debt/Equity
53.02
Heavy leverage — higher financial risk if revenues decline
Current Ratio
1.77
Healthy liquidity position
Quick Ratio
1.77
Like current ratio but excludes inventory — stricter test
Gross Margin
91.2%
Revenue left after cost of goods — higher means pricing power
Operating Margin
16.5%
Profit from core operations before interest and tax
Free Cash Flow
$31M
Positive — the business generates more cash than it spends
Revenue (TTM)
$247M
Total revenue over the last 12 months
Net Income
$26M
Profitable — the bottom line is positive
Analyst Coverage
Analysts
9
Target High
$485.00
Target Median
$460.00
Target Low
$410.00
Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-05-28

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