XPS Pensions Group (STU:406) Moat Score: 0/10 (As of Jul. 11, 2026)


STU:406 XPS Pensions Group PLC STU:406
70 GF Score
Price €3.72
GF Value €4.32
Valuation Modestly Undervalued
! 1 Warning Sign
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What is XPS Pensions Group Moat Score?

XPS Pensions Group has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

XPS Pensions Group has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes XPS Pensions Group might have No Moat - No discernible moat.

XPS Pensions Group  (STU:406) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

XPS Pensions Group Moat Score Related Terms

STU:406
70GF Score
XPS Pensions Group PLC STU:406
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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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:

  • Moat Score: 0
  • GF Value™: €4.32 vs. price of €3.72 (13.9% below fair value)
  • GF Score™: 70/100 with 1 warning sign

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 Business Description

Other Exchanges XPSl:UKXPS:UK
Address 1 Station Hill, Phoenix House, Reading, Berkshire, GBR, RG1 1NB
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

Get the complete analysis for STU:406

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€3.72
Price
€4.32
GF Value