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XPS Pensions GroupCHIX:XPSL +0.80%90 Equity-to-Asset is 0.53 as of Mar. 2026, which is 5% below its 10-year median of 0.56. GuruFocus rates CHIX:XPSL with a GF Score™ of 90/100 and a GF Value™ of £3.89 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 95 Personal Services companies, XPS Pensions Group ranks better than 65.26% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. XPS Pensions Group's Total Stockholders Equity for the quarter that ended in Mar. 2026 was £174.8 Mil. XPS Pensions Group's Total Assets for the quarter that ended in Mar. 2026 was £329.5 Mil.
Therefore, XPS Pensions Group's Equity to Asset Ratio for the quarter that ended in Mar. 2026 was 0.53.
The historical rank and industry rank for XPS Pensions Group's Equity-to-Asset or its related term are showing as below:
CHIX:XPSl'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.37 Med: 0.56 Max: 0.66
Current: 0.53
During the past 13 years, the highest Equity to Asset Ratio of XPS Pensions Group was 0.66. The lowest was 0.37. And the median was 0.56.
CHIX:XPSl's Equity-to-Asset is ranked better than 65.26% of 95
companies
in the Personal Services industry
Industry Median: 0.39
vs CHIX:XPSl: 0.53
XPS Pensions Group (CHIX:XPSl) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
XPS Pensions Group Equity-to-Asset Related Terms
XPS Pensions Group Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for XPS Pensions Group's Equity-to-Asset 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: Equity-to-Asset Comparison
For the Personal Services subindustry, XPS Pensions Group's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Personal Services Industry
For the Personal Services industry and Consumer Cyclical sector, XPS Pensions Group's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where XPS Pensions Group's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
XPS Pensions Group's Equity to Asset Ratio for the fiscal year that ended in Mar. 2026 is calculated as
* 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 Equity-to-Asset of 0.53 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on XPS Pensions Group and its competitors. This is near median its historical median of 0.56. Over the past decade, XPS Pensions Group's Equity-to-Asset has ranged from 0.37 to 0.66. According to the industry distribution chart, XPS Pensions Group ranks #33 out of 95 companies in the Personal Services industry, placing it in the top 34.7%.
Is XPS Pensions Group's Equity-to-Asset too high?
XPS Pensions Group's current Equity-to-Asset of 0.53 is near median its 10-year median of 0.56. Over the past 10 years, this metric has ranged from a low of 0.37 to a high of 0.66. The Personal Services industry median Equity-to-Asset is 0.39. XPS Pensions Group's value of 0.53 is 35.9% above this industry median. Based on the distribution chart, XPS Pensions Group ranks #33 out of 95 companies in the Personal Services industry, which is above the industry midpoint. Overall, XPS Pensions Group has a GF Score™ of 90/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does XPS Pensions Group's Equity-to-Asset compare to ROL and SCI?
According to the Personal Services industry distribution chart, XPS Pensions Group ranks #33 out of 95 companies for Equity-to-Asset. This puts XPS Pensions Group in the upper half of its industry. The industry median Equity-to-Asset is 0.39. XPS Pensions Group's value of 0.53 is 35.9% above this benchmark. Historically, XPS Pensions Group's own Equity-to-Asset has ranged from 0.37 to 0.66 over the past decade. While the company's 10-year median is 0.56 vs. the industry median of 0.39, 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 Equity-to-Asset for a Personal Services company?
The median Equity-to-Asset among Personal Services companies is 0.39, based on 95 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. XPS Pensions Group's current Equity-to-Asset of 0.53 is 35.9% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on XPS Pensions Group and its competitors. For the Personal Services industry, the median Equity-to-Asset is 0.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. XPS Pensions Group's current Equity-to-Asset is 0.53, which is near median its own 10-year median of 0.56. 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 £3.89, compared to a current price of £3.16 — trading 18.9% below its estimated fair value. The current Equity-to-Asset is 0.53, which is near median its 10-year median of 0.56 and 35.9% above the Personal Services industry median of 0.39. XPS Pensions Group's overall GF Score™ is 90/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For XPS Pensions Group (CHIX:XPSL), the current Equity-to-Asset is 0.53 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 £3.16 is trading 18.9% below its estimated GF Value™ of £3.89.
GuruFocus considers XPS Pensions Group to be Modestly Undervalued.
Key valuation signals for CHIX:XPSL:
Equity-to-Asset: 0.53 (near median its 10-year median of 0.56)
GF Value™: £3.89 vs. price of £3.16 (18.9% below fair value)
Industry Position: 35.9% above the Personal Services median (#33 of 95)
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.
90GF Score
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