XPS Pensions GroupFRA:406 +2.20%85 ROA % is 11.02% as of Mar. 2026, which is 115% above its 10-year median of 5.12. 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 96 Personal Services companies, XPS Pensions Group ranks better than 78.12% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. XPS Pensions Group's annualizedNet Income for the quarter that ended in Mar. 2026 was €41.3 Mil.
XPS Pensions Group's average Total Assets over the quarter that ended in Mar. 2026 was €375.1 Mil. Therefore, XPS Pensions Group's annualized ROA % for the quarter that ended in Mar. 2026 was 11.02%.
The historical rank and industry rank for XPS Pensions Group's ROA % or its related term are showing as below:
FRA:406'
s ROA % Range Over the Past 10 Years
Min: -16.34 Med: 5.12 Max: 19.15
Current: 8.18
During the past 13 years, XPS Pensions Group's highest ROA % was 19.15%. The lowest was -16.34%. And the median was 5.12%.
FRA:406's ROA % is ranked better than 78.12% of 96
companies
in the Personal Services industry
Industry Median: 2.32
vs FRA:406: 8.18
XPS Pensions Group (FRA:406) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is two times the semi-annual (Mar. 2026) net income data. The Revenue data used here is two times the semi-annual (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
XPS Pensions Group ROA % Related Terms
XPS Pensions Group ROA % Historical Data
* Premium members only.
The historical data trend for XPS Pensions Group's ROA % 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Personal Services Industry
For the Personal Services industry and Consumer Cyclical sector, XPS Pensions Group's ROA % distribution charts can be found below:
* The bar in red indicates where XPS Pensions Group's ROA % 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.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is two times the semi-annual (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
XPS Pensions Group (FRA:406) has a ROA % of 11.02% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on XPS Pensions Group and its competitors. This is 115% above median its historical median of 5.12. According to the industry distribution chart, XPS Pensions Group ranks #21 out of 96 companies in the Personal Services industry, placing it in the top 21.9%.
Is XPS Pensions Group's ROA % too high?
XPS Pensions Group's current ROA % of 11.02% is 115% above median its 10-year median of 5.12. The Personal Services industry median ROA % is 2.32. XPS Pensions Group's value of 11.02% is 375% above this industry median. Based on the distribution chart, XPS Pensions Group ranks #21 out of 96 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 ROA % compare to ROL and SCI?
According to the Personal Services industry distribution chart, XPS Pensions Group ranks #21 out of 96 companies for ROA %. This places XPS Pensions Group in the top 22% of its industry — outperforming the majority of peers. The industry median ROA % is 2.32. XPS Pensions Group's value of 11.02% is 375% above this benchmark. While the company's 10-year median is 5.12 vs. the industry median of 2.32, 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 ROA % for a Personal Services company?
The median ROA % among Personal Services companies is 2.32, based on 96 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. XPS Pensions Group's current ROA % of 11.02% is 375% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on XPS Pensions Group and its competitors. For the Personal Services industry, the median ROA % is 2.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. XPS Pensions Group's current ROA % is 11.02%, which is 115% above median its own 10-year median of 5.12. 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 ROA % is 11.02%, which is 115% above median its 10-year median of 5.12 and 375% above the Personal Services industry median of 2.32. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For XPS Pensions Group (FRA:406), the current ROA % is 11.02% 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 (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:
ROA %: 11.02% (115% above median its 10-year median of 5.12)
GF Value™: €4.38 vs. price of €3.72 (15.1% below fair value)
Industry Position: 375% above the Personal Services median (#21 of 96)
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
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