0.00%
1.17%
-3.63%
6.81%
66.67%
142.96%
142.96%
AI Spotlight on XPS
Company Description
XPS Pensions Group plc, together with its subsidiaries, provides employee benefit consultancy and related business services in the United Kingdom.The company offers advisory services to pension schemes and corporate sponsors; independent investment advisory services; DB and DC master trust schemes; and self-invested personal pension (SIPP) and SSAS pension services.It also provides administer services, such as scheme administration, outsourcing and member communication, scam identification and protection, payroll, pension scheme accounting, de-risking projects, technical consultancy, GMP equalization, data audits and cleansing, trustee secretarial, and pension management services.
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 headquartered in Reading, the United Kingdom.
Market Data
| Last Price | 345 |
| Change Percentage | 0.00% |
| Open | 330 |
| Previous Close | 345 |
| Market Cap ( Millions) | 715 |
| Volume | 31471 |
| Year High | 377 |
| Year Low | 194.65 |
| M A 50 | 345.58 |
| M A 200 | 313.1 |
Financial Ratios
| FCF Yield | 4.96% |
| Dividend Yield | 3.10% |
| ROE | 156.24% |
| Debt / Equity | 17.52% |
| Net Debt / EBIDTA | 55.75% |
| Price To Book | 3.82 |
| Price Earnings Ratio | 2.78 |
| Price To FCF | 20.16 |
| Price To sales | 3.58 |
| EV / EBITDA | 18.24 |
News
- Jan -17 - January 2025's Undervalued Small Caps With Insider Action On UK Markets
- Nov -22 - XPS Pensions Group PLC (LSE:XPS) (H1 2025) Earnings Call Highlights: Strong Organic Growth and ...
- Jun -18 - June 2024 Insight Into Three UK Stocks Possibly Priced Below Their Estimated Value
- Jun -05 - Darktrace and Vistry promoted to FTSE 100 as Ocado and St James Place crash out
- Apr -15 - Verbio's (ETR:VBK) five-year total shareholder returns outpace the underlying earnings growth
- Oct -24 - Despite shrinking by CHF142m in the past week, ARYZTA (VTX:ARYN) shareholders are still up 193% over 3 years
- Jul -14 - SEI Investments' (SEIC) Arm to Acquire National Pensions Trust
- May -22 - EFG International (VTX:EFGN) stock performs better than its underlying earnings growth over last three years
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Pensions Actuarial & Consulting
Expected Growth : 10 %
What the company do ?
XPS Pensions Group plc's Pensions Actuarial & Consulting provides expert advice and services to help clients manage pension schemes, including actuarial valuations, funding, and risk management.
Why we expect these perspectives ?
XPS Pensions Group plc's 10% growth in Pensions Actuarial & Consulting is driven by increasing demand for pension scheme management, trustee advisory services, and actuarial consulting. Additionally, the company's expertise in risk reduction exercises, scheme funding, and pension scheme mergers contributes to its growth. Furthermore, the rising need for pension scheme governance and compliance services also supports the segment's expansion.
Segment n°2 -> Pensions Administration
Expected Growth : 12 %
What the company do ?
Pensions Administration from XPS Pensions Group plc provides expert services to manage and administer pension schemes, ensuring compliance and efficient scheme management.
Why we expect these perspectives ?
XPS Pensions Group plc's 12% growth in Pensions Administration is driven by increasing demand for pension scheme management, expansion into new markets, and strategic acquisitions. Additionally, the company's investment in digital transformation and automation has improved operational efficiency, enabling it to onboard new clients and deliver high-quality services, thereby driving revenue growth.
Segment n°3 -> Pensions Investment Consulting
Expected Growth : 9 %
What the company do ?
Pensions Investment Consulting from XPS Pensions Group plc provides expert advice on investment strategies to pension schemes, helping trustees make informed decisions to secure members' benefits.
Why we expect these perspectives ?
XPS Pensions Group plc's 9% growth in Pensions Investment Consulting is driven by increasing demand for pension scheme de-risking, growing popularity of liability-driven investment strategies, and rising need for expert advice on pension fund management. Additionally, the company's expanding client base, strong brand reputation, and innovative consulting services also contribute to its growth.
Segment n°4 -> Self Invested Pensions
Expected Growth : 11 %
What the company do ?
Self-Invested Pensions from XPS Pensions Group plc allow individuals to manage their pension investments, making their own investment decisions.
Why we expect these perspectives ?
XPS Pensions Group plc's 11% growth in Self-Invested Pensions is driven by increasing demand for flexible retirement solutions, rising transfer values, and a shift towards DIY pension management. Additionally, the company's digital platform and expert guidance have improved customer engagement, contributing to the segment's growth.
Segment n°5 -> National Pension Trust
Expected Growth : 13 %
What the company do ?
The National Pension Trust is a master trust pension scheme from XPS Pensions Group plc, offering a low-cost, flexible retirement savings solution for UK employers and employees.
Why we expect these perspectives ?
The 13% growth of National Pension Trust from XPS Pensions Group plc is driven by increasing demand for pension schemes, favorable regulatory environment, and strong investment returns. Additionally, the trust's diversified investment portfolio, efficient cost structure, and excellent customer service have contributed to its growth.
Xps Pensions Group Plc Products
| Product Range | What is it ? |
|---|---|
| Defined Contribution Schemes | A type of pension scheme where the employer, employee or both contribute a fixed amount to the scheme, and the pension benefit is based on the amount of contributions and investment returns. |
| Defined Benefit Schemes | A type of pension scheme where the employer promises a specific pension benefit to the employee, based on a formula that takes into account the employee's salary and years of service. |
| Master Trusts | A type of multi-employer pension scheme that pools the assets of multiple employers, providing economies of scale and reduced costs. |
| Self-Invested Personal Pensions (SIPPs) | A type of personal pension that allows individuals to manage their own investments and make their own investment decisions. |
| Small Self-Administered Schemes (SSAS) | A type of occupational pension scheme that allows the employer and employees to manage the scheme's investments and make decisions on the scheme's governance. |
| Pension Administration | A range of services provided to support the administration of pension schemes, including scheme governance, compliance, and member communications. |
XPS Pensions Group plc's Porter Forces
Threat Of Substitutes
The threat of substitutes for XPS Pensions Group plc is medium, as there are some alternatives available in the market, but they are not very attractive to customers.
Bargaining Power Of Customers
The bargaining power of customers for XPS Pensions Group plc is low, as customers have limited options and the company has a strong brand presence.
Bargaining Power Of Suppliers
The bargaining power of suppliers for XPS Pensions Group plc is medium, as suppliers have some bargaining power, but the company has a diversified supplier base.
Threat Of New Entrants
The threat of new entrants for XPS Pensions Group plc is high, as the industry is attractive and there are low barriers to entry.
Intensity Of Rivalry
The intensity of rivalry for XPS Pensions Group plc is high, as the industry is highly competitive and there are many players competing for market share.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 31.93% |
| Debt Cost | 5.63% |
| Equity Weight | 68.07% |
| Equity Cost | 6.38% |
| WACC | 6.14% |
| Leverage | 46.90% |
XPS Pensions Group plc : Quality Control
XPS Pensions Group plc passed 4 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| MER.L | Mears Group plc, through its subsidiaries, provides a range of outsourced services to the public and private sectors in the United Kingdom. It offers rapid-response and planned maintenance services to … |
| CWC.DE | CEWE Stiftung & Co. KGaA operates as a photo service and online printing provider in Germany and internationally. It operates through three segments: Photofinishing, Retail, and Commercial Online Printing. The … |
| MUSTI.HE | Musti Group Oyj operates as a pet care specialist in Finland, Sweden, and Norway. The company offers a range of pet products in the food and non-food categories under own … |
| 1AT.WA | Atal S.A. develops and sells residential building complexes in Poland. The company develops housing estates, and single and multi-family houses. It operates in Gliwice, Katowice, Cracow, Lodz, Wroclaw, Warsaw, Tricity, … |
| DBC.WA | Tire Company Debica S.A. manufactures and sells passenger, commercial, and truck tires under the Debica, Goodyear, Dunlop, Fulda, and Sava brands in Poland. It also offers curing bladders and membranes … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Debica
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XPS Pensions
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Atal
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4
Mears
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5
CEWE
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1-Year Total Return ->
6
