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XPS Pensions GroupCHIX:XPSL -0.15%85 3-Year ROIIC % is 26.60 as of Mar. 2026, which is 46% above its 10-year median of 18.23. GuruFocus rates CHIX:XPSL with a GF Score™ of 85/100 and a GF Value™ of £3.84 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 87 Personal Services companies, XPS Pensions Group ranks better than 75.86% on this metric.
3-Year Return on Invested Incremental Capital (3-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 3-year.
XPS Pensions Group's 3-Year ROIIC % for the quarter that ended in Mar. 2026 was 26.60%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for XPS Pensions Group's 3-Year ROIIC % or its related term are showing as below:
CHIX:XPSl's 3-Year ROIIC % is ranked better than 75.86% of 87
companies
in the Personal Services industry
Industry Median: 5.07
vs CHIX:XPSl: 26.60
XPS Pensions Group (CHIX:XPSl) 3-Year ROIIC % Explanation
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
XPS Pensions Group 3-Year ROIIC % Related Terms
XPS Pensions Group 3-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for XPS Pensions Group's 3-Year ROIIC % 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, FTDR: 3-Year ROIIC % Comparison
For the Personal Services subindustry, XPS Pensions Group's 3-Year ROIIC %, along with its competitors' market caps and 3-Year ROIIC % 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 3-Year ROIIC % vs Personal Services Industry
For the Personal Services industry and Consumer Cyclical sector, XPS Pensions Group's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where XPS Pensions Group's 3-Year ROIIC % falls into.
XPS Pensions Group's 3-Year ROIIC % for the quarter that ended in Mar. 2026 is calculated as:
3-Year ROIIC %
=
3-Year Incremental Net Operating Profit After Taxes (NOPAT)**
/
3-Year Incremental Invested Capital**
=
( 35.20895 (Mar. 2026) - 21.0150746 (Mar. 2023) )
/
( 290.348 (Mar. 2026) - 236.98 (Mar. 2023) )
=
14.1938754
/
53.368
=
26.60%***
* 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.
** Annual data of NOPAT and Invested Capital was used to calculate 3-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
XPS Pensions Group (CHIX:XPSL) has a 3-Year ROIIC % of 26.60 as of Mar. 2026. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on XPS Pensions Group and its competitors. This is 46% above median its historical median of 18.23. According to the industry distribution chart, XPS Pensions Group ranks #21 out of 87 companies in the Personal Services industry, placing it in the top 24.1%.
Is XPS Pensions Group's 3-Year ROIIC % too high?
XPS Pensions Group's current 3-Year ROIIC % of 26.60 is 46% above median its 10-year median of 18.23. The Personal Services industry median 3-Year ROIIC % is 5.07. XPS Pensions Group's value of 26.60 is 424.7% above this industry median. Based on the distribution chart, XPS Pensions Group ranks #21 out of 87 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 3-Year ROIIC % compare to ROL and SCI?
According to the Personal Services industry distribution chart, XPS Pensions Group ranks #21 out of 87 companies for 3-Year ROIIC %. This places XPS Pensions Group in the top 24% of its industry — outperforming the majority of peers. The industry median 3-Year ROIIC % is 5.07. XPS Pensions Group's value of 26.60 is 424.7% above this benchmark. While the company's 10-year median is 18.23 vs. the industry median of 5.07, 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 3-Year ROIIC % for a Personal Services company?
The median 3-Year ROIIC % among Personal Services companies is 5.07, based on 87 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. XPS Pensions Group's current 3-Year ROIIC % of 26.60 is 424.7% 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 3-Year ROIIC % mean?
A high 3-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on XPS Pensions Group and its competitors. For the Personal Services industry, the median 3-Year ROIIC % is 5.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. XPS Pensions Group's current 3-Year ROIIC % is 26.60, which is 46% above median its own 10-year median of 18.23. 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 £3.84, compared to a current price of £3.33 — trading 13.4% below its estimated fair value. The current 3-Year ROIIC % is 26.60, which is 46% above median its 10-year median of 18.23 and 424.7% above the Personal Services industry median of 5.07. XPS Pensions Group's overall GF Score™ is 85/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For XPS Pensions Group (CHIX:XPSL), the current 3-Year ROIIC % is 26.60 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 £3.33 is trading 13.4% below its estimated GF Value™ of £3.84.
GuruFocus considers XPS Pensions Group to be Modestly Undervalued.
Key valuation signals for CHIX:XPSL:
3-Year ROIIC %: 26.60 (46% above median its 10-year median of 18.23)
GF Value™: £3.84 vs. price of £3.33 (13.4% below fair value)
Industry Position: 424.7% above the Personal Services median (#21 of 87)
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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