ScoreWhy is XPS Pensions Group Plc ?
1
Strong Long Term Fundamental Strength with a 14.70% CAGR growth in Net Sales
2
Positive results in Sep 25
- OPERATING CASH FLOW(Y) Highest at GBP 83.46 MM
- NET SALES(Q) Highest at GBP 128.53 MM
- RAW MATERIAL COST(Y) Fallen by 0% (YoY)
3
With ROE of 54.46%, it has a very expensive valuation with a 3.79 Price to Book Value
- Over the past year, while the stock has generated a return of -18.78%, its profits have fallen by -51.6%
4
Underperformed the market in the last 1 year
- Even though the market (FTSE 100) has generated returns of 15.58% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -18.78% returns
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to XPS Pensions Group Plc should be less than 10%
- Overall Portfolio exposure to Capital Markets should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Capital Markets)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is XPS Pensions Group Plc for you?
Medium Risk, Medium Return
Absolute
Risk Adjusted
Volatility
XPS Pensions Group Plc
-100.0%
0.50
27.62%
FTSE 100
13.98%
1.15
13.60%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
14.70%
EBIT Growth (5y)
25.63%
EBIT to Interest (avg)
10.35
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
25.54%
Dividend Payout Ratio
80.95%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
21.79%
ROE (avg)
14.38%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
7
Industry P/E
Price to Book Value
3.79
EV to EBIT
13.49
EV to EBITDA
10.11
EV to Capital Employed
3.98
EV to Sales
2.53
PEG Ratio
NA
Dividend Yield
14.68%
ROCE (Latest)
29.52%
ROE (Latest)
54.46%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend6What is working for the Company
OPERATING CASH FLOW(Y)
Highest at GBP 83.46 MM
NET SALES(Q)
Highest at GBP 128.53 MM
RAW MATERIAL COST(Y)
Fallen by 0% (YoY
-4What is not working for the Company
INTEREST(HY)
At GBP 2.17 MM has Grown at 56.54%
DEBTORS TURNOVER RATIO(HY)
Lowest at 4 times
Here's what is working for XPS Pensions Group Plc
Operating Cash Flow
Highest at GBP 83.46 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (GBP MM)
Net Sales
Highest at GBP 128.53 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (GBP MM)
Raw Material Cost
Fallen by 0% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Depreciation
Highest at GBP 8.18 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (GBP MM)
Here's what is not working for XPS Pensions Group Plc
Interest
At GBP 2.17 MM has Grown at 56.54%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (GBP MM)
Debtors Turnover Ratio
Lowest at 4 times
in the last five Semi-Annual periodsMOJO Watch
Company's pace of selling Debtors has slowed
Debtors Turnover Ratio
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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