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XPS Pensions GroupCHIX:XPSL -2.21%87 EV-to-EBITDA is 11.63 as of Aug. 12, 2026, which is 11% below its 10-year median of 13.12. GuruFocus rates CHIX:XPSL with a GF Score™ of 87/100 and a GF Value™ of £3.87 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 75 Personal Services companies, XPS Pensions Group ranks worse than 68% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, XPS Pensions Group's enterprise value is £731.2 Mil.
XPS Pensions Group's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 was £62.9 Mil. Therefore, XPS Pensions Group's EV-to-EBITDA for today is 11.63.
The historical rank and industry rank for XPS Pensions Group's EV-to-EBITDA or its related term are showing as below:
CHIX:XPSl'
s EV-to-EBITDA Range Over the Past 10 Years
Min: -47.09 Med: 13.12 Max: 33.94
Current: 11.63
During the past 13 years, the highest EV-to-EBITDA of XPS Pensions Group was 33.94. The lowest was -47.09. And the median was 13.12.
CHIX:XPSl's EV-to-EBITDA is ranked worse than 68% of 75
companies
in the Personal Services industry
Industry Median: 7.37
vs CHIX:XPSl: 11.63
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
XPS Pensions Group (CHIX:XPSl) EV-to-EBITDA Explanation
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
XPS Pensions Group's PE Ratio (TTM) for today is calculated as:
XPS Pensions Group's share price for today is £3.325.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. XPS Pensions Group's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was £0.124.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
The historical data trend for XPS Pensions Group's EV-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: EV-to-EBITDA Comparison
For the Personal Services subindustry, XPS Pensions Group's EV-to-EBITDA, along with its competitors' market caps and EV-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 EV-to-EBITDA vs Personal Services Industry
For the Personal Services industry and Consumer Cyclical sector, XPS Pensions Group's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where XPS Pensions Group's EV-to-EBITDA falls into.
XPS Pensions Group's current Enterprise Value is £731.2 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. XPS Pensions Group's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 was £62.9 Mil.
* 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.
XPS Pensions Group (CHIX:XPSL) has a EV-to-EBITDA of 11.63 as of Aug. 12, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on XPS Pensions Group. This is 11% below median its historical median of 13.12. According to the industry distribution chart, XPS Pensions Group ranks #51 out of 75 companies in the Personal Services industry, placing it in the top 68%.
Is XPS Pensions Group's EV-to-EBITDA too high?
XPS Pensions Group's current EV-to-EBITDA of 11.63 is 11% below median its 10-year median of 13.12. The Personal Services industry median EV-to-EBITDA is 7.37. XPS Pensions Group's value of 11.63 is 57.8% above this industry median. Based on the distribution chart, XPS Pensions Group ranks #51 out of 75 companies in the Personal Services industry, which is below the industry midpoint. Overall, XPS Pensions Group has a GF Score™ of 87/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does XPS Pensions Group's EV-to-EBITDA compare to ROL and SCI?
According to the Personal Services industry distribution chart, XPS Pensions Group ranks #51 out of 75 companies for EV-to-EBITDA. This places XPS Pensions Group in the lower half of its industry. The industry median EV-to-EBITDA is 7.37. XPS Pensions Group's value of 11.63 is 57.8% above this benchmark. While the company's 10-year median is 13.12 vs. the industry median of 7.37, XPS Pensions Group has consistently been above 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 EV-to-EBITDA for a Personal Services company?
The median EV-to-EBITDA among Personal Services companies is 7.37, based on 75 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. XPS Pensions Group's current EV-to-EBITDA of 11.63 is 57.8% above 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 EV-to-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on XPS Pensions Group. For the Personal Services industry, the median EV-to-EBITDA is 7.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. XPS Pensions Group's current EV-to-EBITDA is 11.63, which is 11% below median its own 10-year median of 13.12. 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 £3.87, compared to a current price of £3.33 — trading 14.1% below its estimated fair value. The current EV-to-EBITDA is 11.63, which is 11% below median its 10-year median of 13.12 and 57.8% above the Personal Services industry median of 7.37. XPS Pensions Group's overall GF Score™ is 87/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For XPS Pensions Group (CHIX:XPSL), the current EV-to-EBITDA is 11.63 as of Aug. 12, 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 £3.33 is trading 14.1% below its estimated GF Value™ of £3.87.
GuruFocus considers XPS Pensions Group to be Modestly Undervalued.
Key valuation signals for CHIX:XPSL:
EV-to-EBITDA: 11.63 (11% below median its 10-year median of 13.12)
GF Value™: £3.87 vs. price of £3.33 (14.1% below fair value)
Industry Position: 57.8% above the Personal Services median (#51 of 75)
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.
87GF Score
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