Intrinsiqq

XPS Pensions Group plc (XPS.XLON) Quality Score

XPS.XLON
Quality81

Growth remains strong (avg 100/100), but business quality is pulling the composite down (avg 65/100).

Broad-market heuristics · Not a buy/sell signal

Valuation and growth

Earnings Multiple
60/100
26.7x

25–30x, paying a growth premium

Cash Flow Multiple
90/100
15.7x

Under 20x cash flow, well covered

Revenue Growth
100/100
16.4%

Above 10% CAGR, strong compounder

Cash Flow Growth
100/100
15.8%

Above 10% CAGR, strong compounder

Business Quality & Capital Allocation

Share Dilution
60/100
0.6%

Mild dilution under 2%

Margin Trend
100/100
+4.3pp

Expanded 3+pp, strong improvement

Capital Structure
40/100
£61M

Net debt/FCF of 1.4x, somewhat elevated

2023
£13M
£77M
2024
£10M
£33M
2025
£15M
£69M
2026
£17M
£78M
Return on Capital
60/100
13.9%

10–15%, respectable returns

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XPS Pensions Group (XPS.XLON) quality: score, margins and returns

XPS Pensions Group (XPS.XLON) scores 81/100 on Intrinsiqq's quality score (a high-quality business), a weighted blend of 8 metrics each scored 0 to 100, on 19.5% operating margins and 13.9% ROIC. Every metric is computed from company filings; this is analysis, not investment advice.

Frequently asked

Is XPS Pensions Group (XPS.XLON) a high-quality business?+

XPS Pensions Group scores 81 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which rates it a high-quality business on these measures. Recent figures include a 19.5% operating margin and a 13.9% return on invested capital. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.

What does XPS Pensions Group's quality score measure?+

Intrinsiqq's quality score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, change in share count, and balance-sheet strength, each computed from XPS.XLON's company filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where XPS Pensions Group scores well and where it falls behind.

What is XPS Pensions Group's return on invested capital (ROIC)?+

XPS Pensions Group earns about 13.9% on its invested capital, which is solid. ROIC measures how much profit a company generates per dollar put to work; sustained ROIC above its cost of capital is one of the clearest signs of a real competitive moat. Compare it to XPS.XLON's margins and growth on this scorecard to judge durability.

How profitable is XPS Pensions Group?+

XPS Pensions Group runs an operating margin of about 19.5% and a net margin of about 10.1%. Revenue has grown at roughly 17.3% a year recently. High, stable margins usually point to pricing power and operating discipline. Margins are most telling next to growth and returns on capital, all of which feed this quality score. This is analysis from company filings, not investment advice.

How the market compares: US profitability statistics

Related stocks: Personal Services

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Data sourced from company filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.

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