XPS Pensions GroupCHIX:XPSL -2.93%85 Operating Margin % is 22.40% as of Mar. 2026, which is 63% above its 10-year median of 13.71. 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 91.75% on this metric.
XPS Pensions Group PLC operating margin is expanding. Margin expansion is usually a good sign.
The historical rank and industry rank for XPS Pensions Group's Operating Margin % or its related term are showing as below:
CHIX:XPSl'
s Operating Margin % Range Over the Past 10 Years
Min: -5.02 Med: 13.71 Max: 19.89
Current: 19.5
CHIX:XPSl's Operating Margin % is ranked better than 91.75% of 97
companies
in the Personal Services industry
Industry Median: 6.55
vs CHIX:XPSl: 19.50
XPS Pensions Group's 5-Year Average Operating Margin % Growth Rate was 11.30% per year.
XPS Pensions Group (CHIX:XPSl) Operating Margin % Explanation
Just like Gross Margin %, it is important to see a company maintains its operating margin over time. Among the same industry, a company with higher operating margin is more efficient in its operation. It is also more stable during industry slowdown or recessions. Peter Lynch prefers those with higher margins than those with lower margins.
Be Aware
Operating Margin % can be manipulated by adjusting the rate of depreciation, depletion and amortization (DDA).
If a company is facing competition, its Operating Margin % may decline. Often the Operating Margin % declines well before the company's Revenue or even profit decline. Therefore, Operating Margin % is a very important indicator of whether the company is facing problems.
For instance, by 2012, Nokia (NOK)'s problems were well known and its stock had lost more than 90% of its market value since 2007. But Nokias Operating Margin % had already been in decline since 2002, although its Earnings per Share (Diluted) were still rising. Investors who paid attention to Operating Margin % would have avoided this huge loss. The same can be said for Research-in-Motion (RIMM).
Therefore, Operating Margin % is a very important screening filter for GuruFocus. GuruFocus's Buffett-Munger screener requires that the profit margin is either consistent or expanding. The Model Portfolio of the Buffett-Munger screener has outperformed the market every year since inception in 2009.
XPS Pensions Group Operating Margin % Related Terms
XPS Pensions Group Operating Margin % Historical Data
* Premium members only.
The historical data trend for XPS Pensions Group's Operating 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: Operating Margin % Comparison
For the Personal Services subindustry, XPS Pensions Group's Operating Margin %, along with its competitors' market caps and Operating 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 Operating Margin % vs Personal Services Industry
For the Personal Services industry and Consumer Cyclical sector, XPS Pensions Group's Operating Margin % distribution charts can be found below:
* The bar in red indicates where XPS Pensions Group's Operating Margin % falls into.
Operating Margin % - also known as operating income margin, operating profit margin and return on sales (ROS) - is the ratio of Operating Income divided by net sales or Revenue, usually presented in percent.
XPS Pensions Group's Operating Margin % for the fiscal year that ended in Mar. 2026 is calculated as
* 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 Operating Margin % of 22.40% as of Mar. 2026. Operating margin is the ratio of total operating income to net sales. View historical data on XPS Pensions Group and its competitors. This is 63% above median its historical median of 13.71. According to the industry distribution chart, XPS Pensions Group ranks #8 out of 97 companies in the Personal Services industry, placing it in the top 8.2%.
Is XPS Pensions Group's Operating Margin % too high?
XPS Pensions Group's current Operating Margin % of 22.40% is 63% above median its 10-year median of 13.71. The Personal Services industry median Operating Margin % is 6.55. XPS Pensions Group's value of 22.40% is 242% above this industry median. Based on the distribution chart, XPS Pensions Group ranks #8 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 Operating Margin % compare to ROL and SCI?
According to the Personal Services industry distribution chart, XPS Pensions Group ranks #8 out of 97 companies for Operating Margin %. This places XPS Pensions Group in the top 8% of its industry — outperforming the majority of peers. The industry median Operating Margin % is 6.55. XPS Pensions Group's value of 22.40% is 242% above this benchmark. While the company's 10-year median is 13.71 vs. the industry median of 6.55, 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 Operating Margin % for a Personal Services company?
The median Operating Margin % among Personal Services companies is 6.55, based on 97 companies in the industry. Companies in the top quartile (top 25%) have a Operating Margin % significantly above this median, while those in the bottom quartile fall well below. However, Operating Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. XPS Pensions Group's current Operating Margin % of 22.40% is 242% 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 Operating Margin % mean?
A high Operating Margin % can signal that a stock is expensive relative to its fundamentals. Operating margin is the ratio of total operating income to net sales. View historical data on XPS Pensions Group and its competitors. For the Personal Services industry, the median Operating Margin % is 6.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. XPS Pensions Group's current Operating Margin % is 22.40%, which is 63% above median its own 10-year median of 13.71. 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 Operating Margin % is 22.40%, which is 63% above median its 10-year median of 13.71 and 242% above the Personal Services industry median of 6.55. 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 Operating Margin % calculated?
Operating Margin % is calculated from a company's financial statements. For XPS Pensions Group (CHIX:XPSL), the current Operating Margin % is 22.40% 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:
Operating Margin %: 22.40% (63% above median its 10-year median of 13.71)
GF Value™: £3.76 vs. price of £2.99 (20.6% below fair value)
Industry Position: 242% above the Personal Services median (#8 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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