XPS Pensions GroupSTU:406 70 Pretax Margin % is 18.68% as of Mar. 2026, which is 71% above its 10-year median of 10.92. 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 95 Personal Services companies, XPS Pensions Group ranks better than 82.11% on this metric.
The historical rank and industry rank for XPS Pensions Group's Pretax Margin % or its related term are showing as below:
STU:406'
s Pretax Margin % Range Over the Past 10 Years
Min: -28.46 Med: 10.92 Max: 31.33
Current: 14.74
STU:406's Pretax Margin % is ranked better than 82.11% of 95
companies
in the Personal Services industry
Industry Median: 5.59
vs STU:406: 14.74
XPS Pensions Group (STU:406) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
XPS Pensions Group Pretax Margin % Related Terms
XPS Pensions Group Pretax Margin % Historical Data
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The historical data trend for XPS Pensions Group's Pretax 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.
STU:406 vs ROL, SCI, FTDR: Pretax Margin % Comparison
For the Personal Services subindustry, XPS Pensions Group's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Personal Services Industry
For the Personal Services industry and Consumer Cyclical sector, XPS Pensions Group's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where XPS Pensions Group's Pretax 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 (STU:406) has a Pretax Margin % of 18.68% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on XPS Pensions Group and its competitors. This is 71% above median its historical median of 10.92. According to the industry distribution chart, XPS Pensions Group ranks #17 out of 95 companies in the Personal Services industry, placing it in the top 17.9%.
Is XPS Pensions Group's Pretax Margin % too high?
XPS Pensions Group's current Pretax Margin % of 18.68% is 71% above median its 10-year median of 10.92. The Personal Services industry median Pretax Margin % is 5.59. XPS Pensions Group's value of 18.68% is 234.2% above this industry median. Based on the distribution chart, XPS Pensions Group ranks #17 out of 95 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 70/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does XPS Pensions Group's Pretax Margin % compare to ROL and SCI?
According to the Personal Services industry distribution chart, XPS Pensions Group ranks #17 out of 95 companies for Pretax Margin %. This places XPS Pensions Group in the top 18% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 5.59. XPS Pensions Group's value of 18.68% is 234.2% above this benchmark. While the company's 10-year median is 10.92 vs. the industry median of 5.59, 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 Pretax Margin % for a Personal Services company?
The median Pretax Margin % among Personal Services companies is 5.59, based on 95 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. XPS Pensions Group's current Pretax Margin % of 18.68% is 234.2% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on XPS Pensions Group and its competitors. For the Personal Services industry, the median Pretax Margin % is 5.59 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. XPS Pensions Group's current Pretax Margin % is 18.68%, which is 71% above median its own 10-year median of 10.92. 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 Pretax Margin % is 18.68%, which is 71% above median its 10-year median of 10.92 and 234.2% above the Personal Services industry median of 5.59. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For XPS Pensions Group (STU:406), the current Pretax Margin % is 18.68% 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 (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:
Pretax Margin %: 18.68% (71% above median its 10-year median of 10.92)
GF Value™: €4.32 vs. price of €3.72 (13.9% below fair value)
Industry Position: 234.2% above the Personal Services median (#17 of 95)
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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