XPS Pensions GroupFRA:406 +2.20%85 EV-to-FCF is 15.81 as of Jul. 11, 2026, which is 19% below its 10-year median of 19.57. GuruFocus rates FRA:406 with a GF Score™ of 85/100 and a GF Value™ of €4.38 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 59 Personal Services companies, XPS Pensions Group ranks worse than 55.93% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, XPS Pensions Group's Enterprise Value is €824.7 Mil.
XPS Pensions Group's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €52.2 Mil. Therefore, XPS Pensions Group's EV-to-FCF for today is 15.81.
The historical rank and industry rank for XPS Pensions Group's EV-to-FCF or its related term are showing as below:
FRA:406'
s EV-to-FCF Range Over the Past 10 Years
Min: 11.58 Med: 19.57 Max: 36.95
Current: 15.86
During the past 13 years, the highest EV-to-FCF of XPS Pensions Group was 36.95. The lowest was 11.58. And the median was 19.57.
FRA:406's EV-to-FCF is ranked worse than 55.93% of 59
companies
in the Personal Services industry
Industry Median: 14.14
vs FRA:406: 15.86
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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 (FRA:406) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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 €3.72.
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 €0.143.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
XPS Pensions Group EV-to-FCF Related Terms
XPS Pensions Group EV-to-FCF Historical Data
* Premium members only.
The historical data trend for XPS Pensions Group's EV-to-FCF 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.
For the Personal Services subindustry, XPS Pensions Group's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Personal Services Industry
For the Personal Services industry and Consumer Cyclical sector, XPS Pensions Group's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where XPS Pensions Group's EV-to-FCF falls into.
XPS Pensions Group's current Enterprise Value is €824.7 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. XPS Pensions Group's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €52.2 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 (FRA:406) has a EV-to-FCF of 15.81 as of Jul. 11, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on XPS Pensions Group and its competitors. This is 19% below median its historical median of 19.57. Over the past decade, XPS Pensions Group's EV-to-FCF has ranged from 11.58 to 36.95. According to the industry distribution chart, XPS Pensions Group ranks #33 out of 59 companies in the Personal Services industry, placing it in the top 55.9%.
Is XPS Pensions Group's EV-to-FCF too high?
XPS Pensions Group's current EV-to-FCF of 15.81 is 19% below median its 10-year median of 19.57. Over the past 10 years, this metric has ranged from a low of 11.58 to a high of 36.95. The Personal Services industry median EV-to-FCF is 14.14. XPS Pensions Group's value of 15.81 is 11.8% above this industry median. Based on the distribution chart, XPS Pensions Group ranks #33 out of 59 companies in the Personal Services industry, which is below 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 EV-to-FCF compare to ROL and SCI?
According to the Personal Services industry distribution chart, XPS Pensions Group ranks #33 out of 59 companies for EV-to-FCF. This places XPS Pensions Group in the lower half of its industry. The industry median EV-to-FCF is 14.14. XPS Pensions Group's value of 15.81 is 11.8% above this benchmark. Historically, XPS Pensions Group's own EV-to-FCF has ranged from 11.58 to 36.95 over the past decade. While the company's 10-year median is 19.57 vs. the industry median of 14.14, 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-FCF for a Personal Services company?
The median EV-to-FCF among Personal Services companies is 14.14, based on 59 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. XPS Pensions Group's current EV-to-FCF of 15.81 is 11.8% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on XPS Pensions Group and its competitors. For the Personal Services industry, the median EV-to-FCF is 14.14 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. XPS Pensions Group's current EV-to-FCF is 15.81, which is 19% below median its own 10-year median of 19.57. 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 (FRA:406) is currently considered Modestly Undervalued. The stock's GF Value™ is €4.38, compared to a current price of €3.72 — trading 15.1% below its estimated fair value. The current EV-to-FCF is 15.81, which is 19% below median its 10-year median of 19.57 and 11.8% above the Personal Services industry median of 14.14. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For XPS Pensions Group (FRA:406), the current EV-to-FCF is 15.81 as of Jul. 11, 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 (FRA:406) Overvalued in 2026?
Based on GuruFocus' analysis, XPS Pensions Group stock appears to be undervalued.
The current stock price of €3.72 is trading 15.1% below its estimated GF Value™ of €4.38.
GuruFocus considers XPS Pensions Group to be Modestly Undervalued.
Key valuation signals for FRA:406:
EV-to-FCF: 15.81 (19% below median its 10-year median of 19.57)
GF Value™: €4.38 vs. price of €3.72 (15.1% below fair value)
Industry Position: 11.8% above the Personal Services median (#33 of 59)
No single metric tells the full story. See the FRA:406 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
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