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United Kingdom
In shortXps Pensions Group PLC is profitable, generates cash and carries moderate debt, with revenue growing (+13.3% last year).
Financial health
Strong
Built from five areas over the last five annual reports. Tap an area to see the figures behind it.
| Operating marginShare of each sale left after running the business, before interest and tax. | 16.5% | 72/100 |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | 10.1% | 60/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | 14.7% | 74/100 |
| Return on invested capitalProfit earned on all the capital used (equity and debt). Above 10% usually means a real competitive edge. | 12.5% | 83/100 |
Weight in the score: 25%
| Current ratioShort-term assets divided by short-term debts. Below 1 can mean tight cash. | 1.61× | 68/100 |
|---|---|---|
| Debt / equityDebt compared with the shareholders' stake. Above 2 is heavily indebted. | 0.36× | 91/100 |
| Net debt / EBITDAYears of operating profit needed to repay net debt. Below 2 is comfortable. | 0.76× | 93/100 |
| Interest coverageHow many times operating profit covers interest. Below 2 is risky. | 9.38× | 75/100 |
| Altman Z''Bankruptcy-risk model. Above 2.6 safe, below 1.1 distress. | 4.14 | 78/100 |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | 20.2% | 100/100 |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | 2.00× | 100/100 |
| Years with positive free cash flow (last 5) | 5 of 5 | 100/100 |
Weight in the score: 20%
| Profitable years (last 5) | 5 of 5 | 100/100 |
|---|---|---|
| Years of revenue decline (last 5) | 0 of 5 | 100/100 |
| Revenue growth volatility | 4.9% | 93/100 |
| Operating margin volatility | 8.3% | 34/100 |
Weight in the score: 20%
| Revenue growth, 3-year average | 16.4% | 100/100 |
|---|---|---|
| EPS growth, 3-year average | 19.3% | 100/100 |
Weight in the score: 10%
Fiscal year 2026 · change vs prior year
European data comes from annual reports in ESEF format (since 2020). Industry and ticker are not provided by this source.
Annual figures as reported. Hover a bar or point for the exact value.
1 older year available with the 10-year history. Essential plan, from €8.25/month →
The last 5 fiscal years from the company's annual reports.
GBP millions; negative values in parentheses.
| Fiscal year | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Revenue | 139 | 167 | 199 | 232 | 263 |
| Operating income | 19 | 23 | 67 | 44 | 43 |
| Interest expense | 2 | 3.6 | 4.5 | 3.5 | 4.6 |
| Pre-tax income | 17 | 19 | 62 | 41 | 39 |
| Income tax | 7.5 | 3.3 | 8.3 | 10 | 12 |
| Net income | 9.4 | 16 | 54 | 30 | 27 |
| Diluted EPS | £0.04 | £0.07 | £0.25 | £0.14 | £0.12 |
1 older year available with the 10-year history. Essential plan, from €8.25/month →
4.14 Safe zone
Estimates bankruptcy risk from working capital, retained earnings, operating profit and equity. Above 2.6 is considered safe, below 1.1 signals distress.
5/9
Nine yes-or-no tests on profitability, debt, liquidity and efficiency versus the prior year. 7 to 9 is strong, 0 to 3 is weak.
All figures: filings.xbrl.org (ESEF). Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Mar 31, 2026 · Data updated Mar 31, 2026