XPS Pensions GroupCHIX:XPSL -2.93%85 Net Margin % is 13.36% as of Mar. 2026, which is 36% above its 10-year median of 9.81. 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 74.23% on this metric.
The historical rank and industry rank for XPS Pensions Group's Net Margin % or its related term are showing as below:
CHIX:XPSl'
s Net Margin % Range Over the Past 10 Years
Min: -25.85 Med: 9.81 Max: 27.16
Current: 10.11
CHIX:XPSl's Net Margin % is ranked better than 74.23% of 97
companies
in the Personal Services industry
Industry Median: 4.07
vs CHIX:XPSl: 10.11
XPS Pensions Group (CHIX:XPSl) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
XPS Pensions Group Net Margin % Related Terms
XPS Pensions Group Net Margin % Historical Data
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The historical data trend for XPS Pensions Group's Net 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: Net Margin % Comparison
For the Personal Services subindustry, XPS Pensions Group's Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Personal Services Industry
For the Personal Services industry and Consumer Cyclical sector, XPS Pensions Group's Net Margin % distribution charts can be found below:
* The bar in red indicates where XPS Pensions Group's Net 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 Net Margin % of 13.36% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on XPS Pensions Group and its competitors. This is 36% above median its historical median of 9.81. According to the industry distribution chart, XPS Pensions Group ranks #25 out of 97 companies in the Personal Services industry, placing it in the top 25.8%.
Is XPS Pensions Group's Net Margin % too high?
XPS Pensions Group's current Net Margin % of 13.36% is 36% above median its 10-year median of 9.81. The Personal Services industry median Net Margin % is 4.07. XPS Pensions Group's value of 13.36% is 228.3% above this industry median. Based on the distribution chart, XPS Pensions Group ranks #25 out of 97 companies in the Personal Services industry, which is above 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 Net Margin % compare to ROL and SCI?
According to the Personal Services industry distribution chart, XPS Pensions Group ranks #25 out of 97 companies for Net Margin %. This puts XPS Pensions Group in the upper half of its industry. The industry median Net Margin % is 4.07. XPS Pensions Group's value of 13.36% is 228.3% above this benchmark. While the company's 10-year median is 9.81 vs. the industry median of 4.07, 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 Net Margin % for a Personal Services company?
The median Net Margin % among Personal Services companies is 4.07, based on 97 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. XPS Pensions Group's current Net Margin % of 13.36% is 228.3% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on XPS Pensions Group and its competitors. For the Personal Services industry, the median Net Margin % is 4.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. XPS Pensions Group's current Net Margin % is 13.36%, which is 36% above median its own 10-year median of 9.81. 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 Net Margin % is 13.36%, which is 36% above median its 10-year median of 9.81 and 228.3% above the Personal Services industry median of 4.07. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For XPS Pensions Group (CHIX:XPSL), the current Net Margin % is 13.36% 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:
Net Margin %: 13.36% (36% above median its 10-year median of 9.81)
GF Value™: £3.76 vs. price of £2.99 (20.6% below fair value)
Industry Position: 228.3% above the Personal Services median (#25 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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