profit from every £100 of sales.
£0£100
XPS Pensions Group
£3.52-0.14% today
+4.3% in 1 year
1-year low £2.831-year high £3.62
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay £23.55 for every £1 of profit it makes in a year.
CheapExpensive
of earnings would pay off all its debt.
No debt5 years
Money in, money out
What XPS Pensions Group sold, what it kept, and what it did with the cash.
Sales went from £139 million in 2022 to £232 million in 2025, with £30.3 million of profit last year.
SalesProfit
XPS Pensions Group handed back more cash to shareholders than it generated last year.
Buybacks £19M£22M
Free cash flow 2025£34M
Bought back its own shares£19M
Paid as dividends£22M
Cash vs. debt£15M vs. £69M
XPS Pensions Group vs. similar companies
XPS Pensions Group grows the fastest of these 5 and is the most expensive for its profits.
| Company | Profit from £100 of sales | Sales growth a year | Price per £1 of profit |
|---|---|---|---|
| XPS Pensions Group | 23.6× · Fair price | ||
 Service Corporation International | 18.8× · Fair price | ||
 CEWE Stiftung & Co. KGaA | 12.6× · Cheap | ||
 Lungyen Life Service | 16.6× · Fair price | ||
 Musti Group Oyj | No profit yet |
AI analysis
An AI analyst reads XPS Pensions Group's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of GBP | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 139 | 167 | 199 | 232 | |
| 72 | 85 | 104 | 123 | |
| 18 | 25 | 36 | 46 | |
| 30 | 35 | 79 | 57 | |
| 9 | 16 | 54 | 30 | |
| 0.04 | 0.07 | 0.25 | 0.14 | |
| 51.9% | 51.3% | 52.2% | 53.0% | |
| 13.2% | 15.2% | 18.1% | 19.9% | |
| 6.8% | 9.5% | 27.2% | 13.1% |
Balance sheet
| In millions of GBP | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 272 | 284 | 282 | 323 |
| Cash | 10 | 13 | 10 | 15 |
| Total debt | 75 | 77 | 33 | 69 |
| Total liabilities | 127 | 134 | 96 | 138 |
| 144 | 149 | 186 | 185 | |
| 213 | 216 | 220 | 219 | |
| 6.3% | 7.3% | 22.8% | 12.8% | |
| 6.5% | 10.6% | 29.1% | 16.4% |
Cash flow
| In millions of GBP | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 29 | 35 | 43 | 42 | |
| 9 | 5 | 8 | 8 | |
| 19 | 29 | 35 | 34 | |
| Dividends paid | 14 | 15 | 18 | 22 |
| 3 | 2 | 6 | 19 | |
| 3 | 4 | 5 | 6 |
Valuation
- 23.6×
- –
- 0.51
- 3.4×
- 3.1×
- 21.3×
- 13.4×
- 4.7%
- 4.2%
- 3.1%
Profitability
- 53.0%
- 19.9%
- 13.1%
- –
- 12.8%
- 12.3%
- –
- –
- –
- –
Growth
- +18.7%
- +46.4%
- –
- –
- +1.1%
Financial health
- 0.9×
- 0.37
- –
- 16.2×
- 1.44
- –
- –
How it ranks in Consumer Discretionary
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 25%of 976
Top 13%of 992
Bottom 42%of 852
Top 19%of 992
Top 50%of 979
3.1%of the share price, paid each year
On $1,000 invested$31a year at today's yield, before tax
–per share
Raised–not every year
How safe it looks
73.1% of its profit
Room to growStretchedMore than it earns: 66.0%
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
5/7Passes 5 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
66Pass
Benjamin Graham
52No pass
Philip Fisher
82Pass
Peter Lynch
96Pass
Joel Greenblatt
36No pass
Charlie Munger
60Pass
Terry Smith
60Pass
Questions about XPS Pensions Group
Is XPS Pensions Group a good stock to buy?
A solid business at a fair price. 5 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the XPS Pensions Group AI analysis
What does XPS Pensions Group do?
XPS Pensions Group plc, together with its subsidiaries, provides employee benefit consultancy and related business services in the United Kingdom. It is in Personal Services, based in Reading, United Kingdom, with 1,901 employees.
Does XPS Pensions Group pay a dividend?
Yes. At today's price the dividend is 3.1% a year, about 73% of its yearly profit. In 2025 it paid out £22.2 million in dividends.
Is XPS Pensions Group stock halal?
Yes. XPS Pensions Group passes our halal screen: its business is permitted and its debt is 10% of its market value, under the 30% limit. How we check
How has XPS Pensions Group stock done over the past year?
Up 4.3% over the past twelve months, to £3.52. It traded between £2.83 and £3.62 and is 2.8% below its high.
Who are XPS Pensions Group's competitors?
The largest listed companies in the same industry are Service Corporation International, CEWE Stiftung & Co. KGaA, Lungyen Life Service and Musti Group Oyj. The peers table on this page compares their profit, growth and price with XPS Pensions Group's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.