XPS Pensions GroupFRA:406 +2.20%85 PB Ratio is 3.77 as of Jul. 11, 2026, which is 64% above its 10-year median of 2.30. GuruFocus rates FRA:406 with a GF Score™ of 85/100 and a GF Value™ of €4.38 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 88 Personal Services companies, XPS Pensions Group ranks worse than 80.68% on this metric.
The historical rank and industry rank for XPS Pensions Group's PB Ratio or its related term are showing as below:
FRA:406'
s PB Ratio Range Over the Past 10 Years
Min: 1.26 Med: 2.3 Max: 9.19
Current: 3.75
During the past 13 years, XPS Pensions Group's highest PB Ratio was 9.19. The lowest was 1.26. And the median was 2.30.
FRA:406's PB Ratio is ranked worse than 80.68% of 88
companies
in the Personal Services industry
Industry Median: 1.485
vs FRA:406: 3.75
During the past 12 months, XPS Pensions Group's average Book Value Per Share Growth Rate was -6.00% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 5.90% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 5.30% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of XPS Pensions Group was 52.60% per year. The lowest was -2.80% per year. And the median was 5.90% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
XPS Pensions Group PB Ratio Related Terms
XPS Pensions Group PB Ratio Historical Data
* Premium members only.
The historical data trend for XPS Pensions Group's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Personal Services Industry
For the Personal Services industry and Consumer Cyclical sector, XPS Pensions Group's PB Ratio distribution charts can be found below:
* The bar in red indicates where XPS Pensions Group's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
XPS Pensions Group (FRA:406) has a PB Ratio of 3.77 as of Jul. 11, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on XPS Pensions Group and its competitors. This is 64% above median its historical median of 2.30. Over the past decade, XPS Pensions Group's PB Ratio has ranged from 1.26 to 9.19. According to the industry distribution chart, XPS Pensions Group ranks #71 out of 88 companies in the Personal Services industry, placing it in the top 80.7%.
Is XPS Pensions Group's PB Ratio too high?
XPS Pensions Group's current PB Ratio of 3.77 is 64% above median its 10-year median of 2.30. Over the past 10 years, this metric has ranged from a low of 1.26 to a high of 9.19. The Personal Services industry median PB Ratio is 1.49. XPS Pensions Group's value of 3.77 is 153.9% above this industry median. Based on the distribution chart, XPS Pensions Group ranks #71 out of 88 companies in the Personal Services industry, which is in the bottom quartile 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 PB Ratio compare to ROL and SCI?
According to the Personal Services industry distribution chart, XPS Pensions Group ranks #71 out of 88 companies for PB Ratio. This places XPS Pensions Group in the lower half of its industry. The industry median PB Ratio is 1.49. XPS Pensions Group's value of 3.77 is 153.9% above this benchmark. Historically, XPS Pensions Group's own PB Ratio has ranged from 1.26 to 9.19 over the past decade. While the company's 10-year median is 2.30 vs. the industry median of 1.49, 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 PB Ratio for a Personal Services company?
The median PB Ratio among Personal Services companies is 1.49, based on 88 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. XPS Pensions Group's current PB Ratio of 3.77 is 153.9% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on XPS Pensions Group and its competitors. For the Personal Services industry, the median PB Ratio is 1.49 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. XPS Pensions Group's current PB Ratio is 3.77, which is 64% above median its own 10-year median of 2.30. 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 (FRA:406) is currently considered Modestly Undervalued. The stock's GF Value™ is €4.38, compared to a current price of €3.72 — trading 15.1% below its estimated fair value. The current PB Ratio is 3.77, which is 64% above median its 10-year median of 2.30 and 153.9% above the Personal Services industry median of 1.49. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For XPS Pensions Group (FRA:406), the current PB Ratio is 3.77 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 (FRA: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 15.1% below its estimated GF Value™ of €4.38.
GuruFocus considers XPS Pensions Group to be Modestly Undervalued.
Key valuation signals for FRA:406:
PB Ratio: 3.77 (64% above median its 10-year median of 2.30)
GF Value™: €4.38 vs. price of €3.72 (15.1% below fair value)
Industry Position: 153.9% above the Personal Services median (#71 of 88)
No single metric tells the full story. See the FRA: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.
85GF Score
Get the complete analysis for FRA:406
PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:406 has been successfully added to your 
