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XPS Pensions GroupCHIX:XPSL +0.76%85 Debt-to-EBITDA is 1.00 as of Mar. 2026, which is 55% below its 10-year median of 2.22. GuruFocus rates CHIX:XPSL with a GF Score™ of 85/100 and a GF Value™ of £3.85 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 70 Personal Services companies, XPS Pensions Group ranks better than 71.43% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for XPS Pensions Group's Debt-to-EBITDA or its related term are showing as below:
CHIX:XPSl'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -6.77 Med: 2.22 Max: 5.53
Current: 1.24
During the past 13 years, the highest Debt-to-EBITDA Ratio of XPS Pensions Group was 5.53. The lowest was -6.77. And the median was 2.22.
CHIX:XPSl's Debt-to-EBITDA is ranked better than 71.43% of 70
companies
in the Personal Services industry
Industry Median: 2.315
vs CHIX:XPSl: 1.24
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
XPS Pensions Group Debt-to-EBITDA Related Terms
XPS Pensions Group Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for XPS Pensions Group's Debt-to-EBITDA can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
CHIX:XPSL vs ROL, SCI, HRB: Debt-to-EBITDA Comparison
For the Personal Services subindustry, XPS Pensions Group's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
XPS Pensions Group Debt-to-EBITDA vs Personal Services Industry
For the Personal Services industry and Consumer Cyclical sector, XPS Pensions Group's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where XPS Pensions Group's Debt-to-EBITDA falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is two times the quarterly (Mar. 2026) EBITDA data.
XPS Pensions Group (CHIX:XPSL) has a Debt-to-EBITDA of 1.00 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on XPS Pensions Group. This is 55% below median its historical median of 2.22. According to the industry distribution chart, XPS Pensions Group ranks #20 out of 70 companies in the Personal Services industry, placing it in the top 28.6%.
Is XPS Pensions Group's Debt-to-EBITDA too high?
XPS Pensions Group's current Debt-to-EBITDA of 1.00 is 55% below median its 10-year median of 2.22. The Personal Services industry median Debt-to-EBITDA is 2.32. XPS Pensions Group's value of 1.00 is 56.8% below this industry median. Based on the distribution chart, XPS Pensions Group ranks #20 out of 70 companies in the Personal Services industry, which is above the industry midpoint. Overall, XPS Pensions Group has a GF Score™ of 85/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does XPS Pensions Group's Debt-to-EBITDA compare to ROL and SCI?
According to the Personal Services industry distribution chart, XPS Pensions Group ranks #20 out of 70 companies for Debt-to-EBITDA. This puts XPS Pensions Group in the upper half of its industry. The industry median Debt-to-EBITDA is 2.32. XPS Pensions Group's value of 1.00 is 56.8% below this benchmark. While the company's 10-year median is 2.22 vs. the industry median of 2.32, XPS Pensions Group has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for a Personal Services company?
The median Debt-to-EBITDA among Personal Services companies is 2.32, based on 70 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. XPS Pensions Group's current Debt-to-EBITDA of 1.00 is 56.8% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on XPS Pensions Group. For the Personal Services industry, the median Debt-to-EBITDA is 2.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. XPS Pensions Group's current Debt-to-EBITDA is 1.00, which is 55% below median its own 10-year median of 2.22. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is XPS Pensions Group stock overvalued right now?
Based on GuruFocus' analysis, XPS Pensions Group (CHIX:XPSL) is currently considered Modestly Undervalued. The stock's GF Value™ is £3.85, compared to a current price of £3.34 — trading 13.4% below its estimated fair value. The current Debt-to-EBITDA is 1.00, which is 55% below median its 10-year median of 2.22 and 56.8% below the Personal Services industry median of 2.32. XPS Pensions Group's overall GF Score™ is 85/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For XPS Pensions Group (CHIX:XPSL), the current Debt-to-EBITDA is 1.00 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is XPS Pensions Group (CHIX:XPSL) Overvalued in 2026?
Based on GuruFocus' analysis, XPS Pensions Group stock appears to be undervalued.
The current stock price of £3.34 is trading 13.4% below its estimated GF Value™ of £3.85.
GuruFocus considers XPS Pensions Group to be Modestly Undervalued.
Key valuation signals for CHIX:XPSL:
Debt-to-EBITDA: 1.00 (55% below median its 10-year median of 2.22)
GF Value™: £3.85 vs. price of £3.34 (13.4% below fair value)
Industry Position: 56.8% below the Personal Services median (#20 of 70)
No single metric tells the full story. See the CHIX:XPSL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
XPS Pensions Group PLC is a UK employee benefits consultancy and related business services. The services provided by the company include Pensions, Investment, National Pension Trust Administration, and Self-Invested Pensions. The company derives maximum revenue from Pensions Actuarial & Consulting followed by Pensions Administration, Pensions Investment, National Pension Trust (NPT), and SIP.
85GF Score
Get the complete analysis for CHIX:XPSL
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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