XPS Pensions GroupSTU:406 70 OCF Yield % is 8.41 as of Jul. 11, 2026, which is 23% above its 10-year median of 6.85. 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 97 Personal Services companies, XPS Pensions Group ranks better than 50.52% on this metric.
OCF Yield % is calculated as Cash Flow from Operations divided by Market Capitalization. It is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, OCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high operating cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
XPS Pensions Group OCF Yield % Related Terms
XPS Pensions Group OCF Yield % Historical Data
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The historical data trend for XPS Pensions Group's OCF Yield % 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 OCF Yield %, along with its competitors' market caps and OCF Yield % 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 OCF Yield % vs Personal Services Industry
For the Personal Services industry and Consumer Cyclical sector, XPS Pensions Group's OCF Yield % distribution charts can be found below:
* The bar in red indicates where XPS Pensions Group's OCF Yield % 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 (STU:406) has a OCF Yield % of 8.41 as of Jul. 11, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on XPS Pensions Group and its competitors. This is 23% above median its historical median of 6.85. Over the past decade, XPS Pensions Group's OCF Yield % has ranged from 3.59 to 12.03. According to the industry distribution chart, XPS Pensions Group ranks #48 out of 97 companies in the Personal Services industry, placing it in the top 49.5%.
Is XPS Pensions Group's OCF Yield % too high?
XPS Pensions Group's current OCF Yield % of 8.41 is 23% above median its 10-year median of 6.85. Over the past 10 years, this metric has ranged from a low of 3.59 to a high of 12.03. The Personal Services industry median OCF Yield % is 8.39. XPS Pensions Group's value of 8.41 is 0.2% above this industry median. Based on the distribution chart, XPS Pensions Group ranks #48 out of 97 companies in the Personal Services industry, which is above the industry midpoint. 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 OCF Yield % compare to ROL and SCI?
According to the Personal Services industry distribution chart, XPS Pensions Group ranks #48 out of 97 companies for OCF Yield %. This puts XPS Pensions Group in the upper half of its industry. The industry median OCF Yield % is 8.39. XPS Pensions Group's value of 8.41 is 0.2% above this benchmark. Historically, XPS Pensions Group's own OCF Yield % has ranged from 3.59 to 12.03 over the past decade. While the company's 10-year median is 6.85 vs. the industry median of 8.39, 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 OCF Yield % for a Personal Services company?
The median OCF Yield % among Personal Services companies is 8.39, based on 97 companies in the industry. Companies in the top quartile (top 25%) have a OCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, OCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. XPS Pensions Group's current OCF Yield % of 8.41 is 0.2% 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 OCF Yield % mean?
A high OCF Yield % can signal that a stock is expensive relative to its fundamentals. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on XPS Pensions Group and its competitors. For the Personal Services industry, the median OCF Yield % is 8.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. XPS Pensions Group's current OCF Yield % is 8.41, which is 23% above median its own 10-year median of 6.85. 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 OCF Yield % is 8.41, which is 23% above median its 10-year median of 6.85 and 0.2% above the Personal Services industry median of 8.39. 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 OCF Yield % calculated?
OCF Yield % is calculated from a company's financial statements. For XPS Pensions Group (STU:406), the current OCF Yield % is 8.41 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 (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:
OCF Yield %: 8.41 (23% above median its 10-year median of 6.85)
GF Value™: €4.32 vs. price of €3.72 (13.9% below fair value)
Industry Position: 0.2% above the Personal Services median (#48 of 97)
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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