XPS Pensions GroupSTU:406 70 Gross Margin % is 0.00% as of Mar. 2026. GuruFocus rates STU:406 with a GF Score™ of 70/100 and a GF Value™ of €4.32 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 92 Personal Services companies, XPS Pensions Group ranks worse than 1086955.43% on this metric.
The historical rank and industry rank for XPS Pensions Group's Gross Margin % or its related term are showing as below:
During the past 13 years, the highestGross Margin % of XPS Pensions Group was 57.13%. The lowest was 23.45%. And the median was 52.15%.
STU:406's Gross Margin % is not ranked *
in the Personal Services industry.
Industry Median: 41.795 * Ranked among companies with meaningful Gross Margin % only.
XPS Pensions Group had a gross margin of N/A% for the quarter that ended in Mar. 2026 => No sustainable competitive advantage
The 5-Year average Growth Rate of Gross Margin for XPS Pensions Group was 0.00% per year.
XPS Pensions Group (STU:406) Gross Margin % Explanation
Warren Buffett believes that firms with excellent long term economics tend to have consistently higher margins.
Durable competitive advantage creates a high Gross Margin % because of the freedom to price in excess of cost. Companies can be categorized by their Gross Margin %
1. Greater than 40% = Durable competitive advantage
2. Less than 40% = Competition eroding margins
3. Less than 20% = no sustainable competitive advantage
Consistency of Gross Margin is key
XPS Pensions Group had a gross margin of N/A% for the quarter that ended in Mar. 2026 => No sustainable competitive advantage
Be Aware
If a company loses its competitive advantages, usually its gross margin declines well before its sales declines. Watching Gross Margin % and Operating Margin % closely helps avoid value trap situations.
XPS Pensions Group Gross Margin % Related Terms
XPS Pensions Group Gross Margin % Historical Data
* Premium members only.
The historical data trend for XPS Pensions Group's Gross 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.
STU:406 vs ROL, SCI, FTDR: Gross Margin % Comparison
For the Personal Services subindustry, XPS Pensions Group's Gross Margin %, along with its competitors' market caps and Gross 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 Gross Margin % vs Personal Services Industry
For the Personal Services industry and Consumer Cyclical sector, XPS Pensions Group's Gross Margin % distribution charts can be found below:
* The bar in red indicates where XPS Pensions Group's Gross 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.
A positive Gross Profit is only the first step for a company to make a net profit. The gross profit needs to be big enough to also cover related labor, equipment, rental, marketing/advertising, research and development and a lot of other costs in selling the products.
XPS Pensions Group (STU:406) has a Gross Margin % of 0.00% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on XPS Pensions Group and its competitors. Over the past decade, XPS Pensions Group's Gross Margin % has ranged from 23.45 to 57.13. According to the industry distribution chart, XPS Pensions Group ranks #999999 out of 92 companies in the Personal Services industry.
Is XPS Pensions Group's Gross Margin % too high?
XPS Pensions Group's current Gross Margin % is 0.00%. Over the past 10 years, this metric has ranged from a low of 23.45 to a high of 57.13. Based on the distribution chart, XPS Pensions Group ranks #999999 out of 92 companies in the Personal Services industry, which is in the bottom quartile relative to peers. Overall, XPS Pensions Group has a GF Score™ of 70/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does XPS Pensions Group's Gross Margin % compare to ROL and SCI?
According to the Personal Services industry distribution chart, XPS Pensions Group ranks #999999 out of 92 companies for Gross Margin %. This places XPS Pensions Group in the lower half of its industry. The industry median Gross Margin % is 41.80. Historically, XPS Pensions Group's own Gross Margin % has ranged from 23.45 to 57.13 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Gross Margin % for a Personal Services company?
The median Gross Margin % among Personal Services companies is 41.80, based on 92 companies in the industry. Companies in the top quartile (top 25%) have a Gross Margin % significantly above this median, while those in the bottom quartile fall well below. However, Gross Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Gross Margin % mean?
A high Gross Margin % can signal that a stock is expensive relative to its fundamentals. Gross margin is the ratio of total gross profit to net sales. View historical data on XPS Pensions Group and its competitors. For the Personal Services industry, the median Gross Margin % is 41.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. XPS Pensions Group's current Gross Margin % is 0.00%. 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 (STU:406) is currently considered Modestly Undervalued. The stock's GF Value™ is €4.32, compared to a current price of €3.72 — trading 13.9% below its estimated fair value. The current Gross Margin % is 0.00%. XPS Pensions Group's overall GF Score™ is 70/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Gross Margin % calculated?
Gross Margin % is calculated from a company's financial statements. For XPS Pensions Group (STU:406), the current Gross Margin % is 0.00% 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 (STU: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 13.9% below its estimated GF Value™ of €4.32.
GuruFocus considers XPS Pensions Group to be Modestly Undervalued.
Key valuation signals for STU:406:
Gross Margin %: 0.00%
GF Value™: €4.32 vs. price of €3.72 (13.9% below fair value)
No single metric tells the full story. See the STU: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.
70GF Score
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