Capita Life & Pensions Regulated Services Limited
Registered name: CAPITA LIFE & PENSIONS REGULATED SERVICES LIMITED
Part of Capita PLC groupCapita Life & Pensions Regulated Services Limited made £107m revenue and a £71.2m loss in the year to 31 Dec 2025. read from filing text
Capita Life & Pensions Regulated Services Limited’s revenue fell 31% to £107m in the year to 31 Dec 2025, with a loss of £71.2m and 1,228 employees. The company is classified under “financial intermediation not elsewhere classified” and is based in London; we hold 4 years of its filed accounts.
- Status
- Active
- Location
- London, London
- Age
- 37 yrs · since 1989
- Type
- Private Limited Company
Pass-through vehicle. This looks like a holding, staffing or umbrella company. Its revenue and profit may largely pass through to or from other entities, so the figures may not reflect a standalone operating business. It is excluded from our opportunity lists.
Part of a group. The filing indicates this company sits within a group structure, so its results may depend on intra-group trading and it may be hard to replicate independently.
Key figures
Badges are automated estimates derived from the filed figures — not statements of fact about the company.
Financial history
| Year to | 31 Dec 2022 | 31 Dec 2023 | 31 Dec 2024 | 31 Dec 2025 |
|---|---|---|---|---|
| Disclosure | Full P&Lread from filing text | Full P&Lread from filing text | Full P&Lread from filing text | Full P&Lread from filing text |
| Profit & loss | ||||
| Revenue (turnover) | £161m | £171m | £155m | £107m |
| Cost of sales | £138m | £142m | £128m | £111m |
| Gross profit | £23.5m | £28.7m | £26.5m | −£3.5m |
| Operating profit | £497k | £6.2m | £12.2m | −£81.4m |
| Profit before tax | £28.4m | £14.6m | £78.8m | −£71.2m |
| Profit after tax | £31.3m | £9.5m | £68.4m | — |
| Profit (best available) | £31.3m | £9.5m | £68.4m | −£71.2m |
| Staff costs | — | £89m | £76.3m | £58.9m |
| Employees (average) | 2,102 | 2,001 | 1,781 | 1,228 |
| Ratios | ||||
| Profit margin | 19.4% | 5.6% | 44.3% | −66.3% |
| Gross margin | 14.6% | 16.9% | 17.2% | −3.3% |
| Revenue per employee | £76.8k | £85.2k | £86.8k | £87.4k |
| Profit per employee | £14.9k | £4.8k | £38.4k | −£58k |
| Growth (year on year) | ||||
| Revenue growth | — | ▲5.7% | ▼9.4% | ▼30.6% |
| Profit growth | — | ▼69.5% | ▲616.2% | ▼204.1% |
| Headcount growth | — | ▼4.8% | ▼11% | ▼31.1% |
| Balance sheet — indirect signals, not revenue | ||||
| Cash at bank | £35.5m | £51.6m | £45.9m | £33.9m |
| Net assets | £198m | £207m | £276m | £263m |
| Debtors | — | £31m | £35.3m | £31.9m |
| Deferred income | £65.9m | £46.9m | £28.6m | £16.3m |
| Source | Accounts · bulk data Apr 2024 | Accounts · bulk data Apr 2024 | FullAccounts · bulk data Jul 2025 | FullAccounts · bulk data Jul 2026 |
How the business works
- Profit margin
- −66.3%
- Profit ÷ revenue.
- Gross margin
- −3.3%
- Gross profit ÷ revenue. High for software and services.
- Revenue per employee
- £87.4k
- Revenue ÷ average employees.
- Profit per employee
- −£58k
- Profit ÷ average employees.
- Cash conversion
- —
- Cash generated from operations ÷ operating profit. Needs a cash-flow statement.
- Fixed assets ÷ revenue
- —
- Capital intensity. Low = capital-light, cheaper to start.
- Deferred income ÷ revenue
- 15.2%
- Customers paying upfront (subscriptions, deposits). Approximate when combined with accruals.
- Debtors ÷ revenue
- 29.7%
- Money owed by customers. Low = customers pay quickly.
Balance-sheet signals
Year-on-year changes in filed balance-sheet items. They can hint at momentum (or investment) but are not revenue or profit and must not be read as such.
- Net assets
- ▼4%
- Now £263m
- Cash at bank
- ▼26%
- Now £33.9m
- Headcount
- ▼31%
- Now 1,228
- Deferred income
- ▼43%
- Now £16.3m
- Fixed assets
- —
- Now —
Group structure
Ownership chain
- Capita PLCultimate parent75–100%
- Capita Life & Pensions Regulated Services Limitedthis company
Bands show the share of ownership each company holds in the one below it.
Subsidiaries (1)
- Western Mortgage Services LimitedRev. £41.5m · Profit £7.1m
Sister companies (7)
- Capita Shared Services LimitedRev. £297m · Profit −£2.7m
- Capita Pension Solutions LimitedRev. £192m · Profit £17.1m
- Capita Employee Benefits Holdings LimitedRev. — · Profit £0
- Capita Holdings LimitedRev. — · Profit −£466k
- Capita International LimitedRev. — · Profit −£10m
- Capita International Retirement Benefit Scheme Trustees LimitedFigures not disclosed
- Capita Life & Pensions Services LimitedRev. — · Profit £556k
From the Persons with Significant Control register (corporate controllers only).
Sources
Latest figures from FullAccounts for the year to 31 Dec 2025 (profit −£71.2m), from the Companies House accounts bulk data published Jul 2026. Spotted an error? Request a correction.
Contains public sector information from Companies House licensed under the Open Government Licence v3.0. Data from Companies House, © Crown copyright. View the licence.