{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "60bee07f-1e1b-4ec2-a576-8f88f2f4f1ce",
    "symbol": "XPS",
    "name": "XPS Pensions Group plc",
    "exchange": "LSE",
    "country_code": "GB",
    "country_name": "United Kingdom",
    "sector": "Consumer Cyclical",
    "industry": "Personal Services",
    "chart_url": "https://sharemaestro.com/terminal/60bee07f-1e1b-4ec2-a576-8f88f2f4f1ce/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "60bee07f-1e1b-4ec2-a576-8f88f2f4f1ce",
      "symbol": "XPS",
      "name": "XPS Pensions Group plc",
      "exchange": "LSE",
      "country_code": "GB",
      "country_name": "United Kingdom",
      "sector": "Consumer Cyclical",
      "industry": "Personal Services",
      "chart_url": "https://sharemaestro.com/terminal/60bee07f-1e1b-4ec2-a576-8f88f2f4f1ce/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "XPS.L",
    "market_cap": 648155328.0,
    "market_cap_usd": 63588744065.0,
    "price": 317.0,
    "currency": "GBP",
    "dividend_yield": 0.01293375,
    "dividend_years": 9,
    "dividend_growth_5y": 0.12512456,
    "dividend_cut_5y": false,
    "payout_ratio": 1.0,
    "net_income": 30343000.0,
    "free_cash_flow": 33626000.0,
    "fcf_covers_dividend": true,
    "debt_to_equity": 0.5302,
    "revenue_growth_5y": 0.18690982,
    "net_margin": 0.10509,
    "roe": 0.14794,
    "pe_ratio": 26.416668,
    "price_vs_ma": -0.01176019,
    "return_3y": 0.75818748,
    "return_5y": 1.29363841,
    "max_drawdown": -0.31203656,
    "scores": {
      "dividend_reliability": 22.7,
      "dividend_sustainability": 13.0,
      "business_quality": 22.0,
      "valuation": 13.0,
      "trend": 10.0,
      "total": 80.7,
      "confidence": 100.0
    },
    "rating": "high_quality",
    "rating_label": "High Quality Watchlist Candidate",
    "decision": "reject",
    "decision_label": "Reject",
    "warnings": [
      "Dividend yield normalized from payment history because provider yield looked inconsistent.",
      "Payout ratio is elevated at 100.0%."
    ],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/60bee07f-1e1b-4ec2-a576-8f88f2f4f1ce/",
      "chart": "https://sharemaestro.com/terminal/60bee07f-1e1b-4ec2-a576-8f88f2f4f1ce/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 22.7,
    "dividend_sustainability": 13.0,
    "business_quality": 22.0,
    "valuation": 13.0,
    "trend": 10.0,
    "total": 80.7,
    "confidence": 100.0
  },
  "warnings": [
    "Dividend yield normalized from payment history because provider yield looked inconsistent.",
    "Payout ratio is elevated at 100.0%."
  ],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "warning",
      "severity": "warning",
      "ticker": "XPS",
      "exchange": "LSE",
      "headline": "XPS dividend review warning",
      "detail": "Payout ratio is elevated at 100.0%.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/60bee07f-1e1b-4ec2-a576-8f88f2f4f1ce/"
    },
    {
      "event_date": "2026-01-08",
      "event_type": "cut",
      "severity": "negative",
      "ticker": "XPS",
      "exchange": "LSE",
      "headline": "Dividend cut -50.0%",
      "detail": "Payment changed from 8.2 to 4.1.",
      "amount": 4.1,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/60bee07f-1e1b-4ec2-a576-8f88f2f4f1ce/"
    },
    {
      "event_date": "2026-01-08",
      "event_type": "payment",
      "severity": "info",
      "ticker": "XPS",
      "exchange": "LSE",
      "headline": "XPS dividend payment 4.1 GBP",
      "detail": "Recorded dividend payment for XPS Pensions Group plc.",
      "amount": 4.1,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/60bee07f-1e1b-4ec2-a576-8f88f2f4f1ce/"
    },
    {
      "event_date": "2025-08-21",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "XPS",
      "exchange": "LSE",
      "headline": "Dividend increased 121.6%",
      "detail": "Payment changed from 3.7 to 8.2.",
      "amount": 8.2,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/60bee07f-1e1b-4ec2-a576-8f88f2f4f1ce/"
    },
    {
      "event_date": "2025-08-21",
      "event_type": "payment",
      "severity": "info",
      "ticker": "XPS",
      "exchange": "LSE",
      "headline": "XPS dividend payment 8.2 GBP",
      "detail": "Recorded dividend payment for XPS Pensions Group plc.",
      "amount": 8.2,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/60bee07f-1e1b-4ec2-a576-8f88f2f4f1ce/"
    },
    {
      "event_date": "2025-01-09",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "XPS",
      "exchange": "LSE",
      "headline": "Dividend decreased -47.1%",
      "detail": "Payment changed from 7 to 3.7.",
      "amount": 3.7,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/60bee07f-1e1b-4ec2-a576-8f88f2f4f1ce/"
    },
    {
      "event_date": "2025-01-09",
      "event_type": "payment",
      "severity": "info",
      "ticker": "XPS",
      "exchange": "LSE",
      "headline": "XPS dividend payment 3.7 GBP",
      "detail": "Recorded dividend payment for XPS Pensions Group plc.",
      "amount": 3.7,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/60bee07f-1e1b-4ec2-a576-8f88f2f4f1ce/"
    },
    {
      "event_date": "2024-08-22",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "XPS",
      "exchange": "LSE",
      "headline": "Dividend increased 133.3%",
      "detail": "Payment changed from 3 to 7.",
      "amount": 7.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/60bee07f-1e1b-4ec2-a576-8f88f2f4f1ce/"
    },
    {
      "event_date": "2024-08-22",
      "event_type": "payment",
      "severity": "info",
      "ticker": "XPS",
      "exchange": "LSE",
      "headline": "XPS dividend payment 7 GBP",
      "detail": "Recorded dividend payment for XPS Pensions Group plc.",
      "amount": 7.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/60bee07f-1e1b-4ec2-a576-8f88f2f4f1ce/"
    },
    {
      "event_date": "2024-01-11",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "XPS",
      "exchange": "LSE",
      "headline": "Dividend decreased -47.4%",
      "detail": "Payment changed from 5.7 to 3.",
      "amount": 3.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/60bee07f-1e1b-4ec2-a576-8f88f2f4f1ce/"
    },
    {
      "event_date": "2024-01-11",
      "event_type": "payment",
      "severity": "info",
      "ticker": "XPS",
      "exchange": "LSE",
      "headline": "XPS dividend payment 3 GBP",
      "detail": "Recorded dividend payment for XPS Pensions Group plc.",
      "amount": 3.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/60bee07f-1e1b-4ec2-a576-8f88f2f4f1ce/"
    },
    {
      "event_date": "2023-08-24",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "XPS",
      "exchange": "LSE",
      "headline": "Dividend increased 111.1%",
      "detail": "Payment changed from 2.7 to 5.7.",
      "amount": 5.7,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/60bee07f-1e1b-4ec2-a576-8f88f2f4f1ce/"
    },
    {
      "event_date": "2023-08-24",
      "event_type": "payment",
      "severity": "info",
      "ticker": "XPS",
      "exchange": "LSE",
      "headline": "XPS dividend payment 5.7 GBP",
      "detail": "Recorded dividend payment for XPS Pensions Group plc.",
      "amount": 5.7,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/60bee07f-1e1b-4ec2-a576-8f88f2f4f1ce/"
    },
    {
      "event_date": "2023-01-05",
      "event_type": "payment",
      "severity": "info",
      "ticker": "XPS",
      "exchange": "LSE",
      "headline": "XPS dividend payment 2.7 GBP",
      "detail": "Recorded dividend payment for XPS Pensions Group plc.",
      "amount": 2.7,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/60bee07f-1e1b-4ec2-a576-8f88f2f4f1ce/"
    },
    {
      "event_date": "2022-08-25",
      "event_type": "payment",
      "severity": "info",
      "ticker": "XPS",
      "exchange": "LSE",
      "headline": "XPS dividend payment 4.8 GBP",
      "detail": "Recorded dividend payment for XPS Pensions Group plc.",
      "amount": 4.8,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/60bee07f-1e1b-4ec2-a576-8f88f2f4f1ce/"
    },
    {
      "event_date": "2022-01-06",
      "event_type": "payment",
      "severity": "info",
      "ticker": "XPS",
      "exchange": "LSE",
      "headline": "XPS dividend payment 2.4 GBP",
      "detail": "Recorded dividend payment for XPS Pensions Group plc.",
      "amount": 2.4,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/60bee07f-1e1b-4ec2-a576-8f88f2f4f1ce/"
    },
    {
      "event_date": "2021-08-26",
      "event_type": "payment",
      "severity": "info",
      "ticker": "XPS",
      "exchange": "LSE",
      "headline": "XPS dividend payment 4.4 GBP",
      "detail": "Recorded dividend payment for XPS Pensions Group plc.",
      "amount": 4.4,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/60bee07f-1e1b-4ec2-a576-8f88f2f4f1ce/"
    },
    {
      "event_date": "2021-01-07",
      "event_type": "payment",
      "severity": "info",
      "ticker": "XPS",
      "exchange": "LSE",
      "headline": "XPS dividend payment 2.3 GBP",
      "detail": "Recorded dividend payment for XPS Pensions Group plc.",
      "amount": 2.3,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/60bee07f-1e1b-4ec2-a576-8f88f2f4f1ce/"
    },
    {
      "event_date": "2020-08-27",
      "event_type": "payment",
      "severity": "info",
      "ticker": "XPS",
      "exchange": "LSE",
      "headline": "XPS dividend payment 4.3 GBP",
      "detail": "Recorded dividend payment for XPS Pensions Group plc.",
      "amount": 4.3,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/60bee07f-1e1b-4ec2-a576-8f88f2f4f1ce/"
    }
  ]
}