XPS Pensions GroupCHIX:XPSL -2.93%85 FCF Margin % is 25.47% as of Mar. 2026, which is 50% above its 10-year median of 16.99. GuruFocus rates CHIX:XPSL with a GF Score™ of 85/100 and a GF Value™ of £3.76 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 97 Personal Services companies, XPS Pensions Group ranks better than 86.6% on this metric.
The historical rank and industry rank for XPS Pensions Group's FCF Margin % or its related term are showing as below:
CHIX:XPSl'
s FCF Margin % Range Over the Past 10 Years
Min: 11.71 Med: 16.99 Max: 21.25
Current: 17.22
During the past 13 years, the highest FCF Margin % of XPS Pensions Group was 21.25%. The lowest was 11.71%. And the median was 16.99%.
CHIX:XPSl's FCF Margin % is ranked better than 86.6% of 97
companies
in the Personal Services industry
Industry Median: 2.7
vs CHIX:XPSl: 17.22
XPS Pensions Group FCF Margin % Related Terms
XPS Pensions Group FCF Margin % Historical Data
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The historical data trend for XPS Pensions Group's FCF Margin % 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: FCF Margin % Comparison
For the Personal Services subindustry, XPS Pensions Group's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Personal Services Industry
For the Personal Services industry and Consumer Cyclical sector, XPS Pensions Group's FCF Margin % distribution charts can be found below:
* The bar in red indicates where XPS Pensions Group's FCF Margin % 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.
XPS Pensions Group (CHIX:XPSL) has a FCF Margin % of 25.47% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on XPS Pensions Group and its competitors. This is 50% above median its historical median of 16.99. Over the past decade, XPS Pensions Group's FCF Margin % has ranged from 11.71 to 21.25. According to the industry distribution chart, XPS Pensions Group ranks #13 out of 97 companies in the Personal Services industry, placing it in the top 13.4%.
Is XPS Pensions Group's FCF Margin % too high?
XPS Pensions Group's current FCF Margin % of 25.47% is 50% above median its 10-year median of 16.99. Over the past 10 years, this metric has ranged from a low of 11.71 to a high of 21.25. The Personal Services industry median FCF Margin % is 2.70. XPS Pensions Group's value of 25.47% is 843.3% above this industry median. Based on the distribution chart, XPS Pensions Group ranks #13 out of 97 companies in the Personal Services industry, which is in the top quartile — a strong position relative to peers. 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 FCF Margin % compare to ROL and SCI?
According to the Personal Services industry distribution chart, XPS Pensions Group ranks #13 out of 97 companies for FCF Margin %. This places XPS Pensions Group in the top 13% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 2.70. XPS Pensions Group's value of 25.47% is 843.3% above this benchmark. Historically, XPS Pensions Group's own FCF Margin % has ranged from 11.71 to 21.25 over the past decade. While the company's 10-year median is 16.99 vs. the industry median of 2.70, 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 FCF Margin % for a Personal Services company?
The median FCF Margin % among Personal Services companies is 2.70, based on 97 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. XPS Pensions Group's current FCF Margin % of 25.47% is 843.3% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on XPS Pensions Group and its competitors. For the Personal Services industry, the median FCF Margin % is 2.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. XPS Pensions Group's current FCF Margin % is 25.47%, which is 50% above median its own 10-year median of 16.99. 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 £3.76, compared to a current price of £2.99 — trading 20.6% below its estimated fair value. The current FCF Margin % is 25.47%, which is 50% above median its 10-year median of 16.99 and 843.3% above the Personal Services industry median of 2.70. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For XPS Pensions Group (CHIX:XPSL), the current FCF Margin % is 25.47% 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 £2.99 is trading 20.6% below its estimated GF Value™ of £3.76.
GuruFocus considers XPS Pensions Group to be Modestly Undervalued.
Key valuation signals for CHIX:XPSL:
FCF Margin %: 25.47% (50% above median its 10-year median of 16.99)
GF Value™: £3.76 vs. price of £2.99 (20.6% below fair value)
Industry Position: 843.3% above the Personal Services median (#13 of 97)
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
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