PensionBee Group PLC (PBEE) AI Stock Analysis

• Market Cap: £394.83M
• Dividend Yield: N/A
• Average Volume (3M): 112.23K
• Price to Earnings (P/E): ―
• Beta (1Y): 1.02
• Revenue Growth: 39.41%
• EPS Growth: 70.19%
• Country: UK
• Employees: 204
• Sector: Technology
• Sector Strength: 94
• Industry: Software - Application
• EPS (TTM): <0.01
• Shares Outstanding: 237,134,770
• 10 Day Avg. Volume: 99,608
• 30 Day Avg. Volume: 112,226
• PEG Ratio: -3.14
• Price to Book (P/B): 11.30
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 103.09
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: £209.00
• Price Target Upside: 25.53% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 3

• Rating: 69 Neutral
• Price Target: 177.00p ▲(6.31%Upside)

PensionBee Group PLC shows strong growth potential, driven by robust revenue increases and strategic corporate initiatives. However, profitability challenges and valuation concerns moderate the overall score. Positive technical indicators and corporate events bolster confidence in future performance.

PensionBee Group PLC Business Overview & Revenue Model

Company Description

PensionBee Group plc, a direct-to-consumer financial technology company, provides online pension services in the United Kingdom. The company's technology platform allows its customers to combine their pensions and invest in a range of online plans, forecast how much they are expected to have saved by the time they retire, and make withdrawals from their pensions. It also offers one-off ancillary and ad-hoc services, including pension splitting on divorce, early withdrawals owing to ill health, and full drawdown within one year of becoming an invested customer. The company was founded in 2014 and is based in London, the United Kingdom.

How the Company Makes Money

PensionBee makes money primarily through management fees charged on the pension assets it consolidates and manages for its customers. These fees are usually a percentage of the total assets under administration (AUA), providing a recurring revenue stream for the company. PensionBee's unique selling proposition is its ability to streamline the pension management process, appealing to customers who prefer a simplified approach to their retirement planning. The company also benefits from strategic partnerships with financial institutions and pension providers, allowing them to efficiently transfer and manage customer funds. Additionally, PensionBee's digital platform reduces operational costs, which can positively impact profitability.

PensionBee Group PLC Financial Statement Overview

Summary

PensionBee Group PLC is experiencing robust revenue growth with a significant 39.44% increase, supported by a strong equity position and minimal debt, indicating stability. However, the company remains unprofitable with a negative net profit margin and needs to enhance its profitability and cash flow management.

Income Statement

The company's revenue grew significantly by 39.44% in the latest year, indicating strong growth potential. However, the company remains unprofitable, with a negative net profit margin of -9.44% and a negative EBIT margin of -9.71%. Gross profit margin stands at 52.52%, showing a solid capacity to cover direct costs. Overall, while revenue growth is commendable, profitability remains a challenge.

Balance Sheet

The company has a strong equity position with an equity ratio of 83.23%, indicating a stable financial structure. The debt-to-equity ratio is very low at 0.01, which minimizes financial risk. However, the return on equity is negative due to ongoing losses, highlighting the need for improved profitability.

Cash Flow

The free cash flow has turned positive, showing a substantial improvement from previous losses. The operating cash flow to net income ratio is positive, suggesting effective cash management despite negative net income. However, the company needs to sustain positive cash flows to ensure financial health.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	33.20M	23.82M	17.66M	12.75M	6.27M
Gross Profit	22.09M	13.02M	9.29M	6.28M	1.79M
EBITDA	-2.86M	-10.39M	-22.10M	-23.31M	-13.23M
Net Income	-3.14M	-10.57M	-22.15M	-24.63M	-13.26M
Balance Sheet
Total Assets	41.27M	17.43M	25.64M	47.51M	8.55M
Cash, Cash Equivalents and Short-Term Investments	34.99M	12.21M	21.32M	43.52M	6.74M
Total Debt	292.00K	398.00K	551.00K	657.00K	109.00K
Total Liabilities	6.92M	2.28M	2.11M	3.73M	2.10M
Stockholders Equity	34.35M	15.14M	23.53M	43.78M	6.46M
Cash Flow
Free Cash Flow	3.90M	-8.92M	-22.05M	-19.71M	-10.52M
Operating Cash Flow	4.02M	-8.82M	-21.68M	-19.64M	-10.44M
Investing Cash Flow	-384.00K	-96.00K	-367.00K	-75.00K	-75.00K
Financing Cash Flow	19.11M	-186.00K	-151.00K	56.49M	7.06M

PensionBee Group PLC Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 166.50
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:PBEE, the sentiment is Positive. The current price of 166.5 is below the 20-day moving average (MA) of 167.45, above the 50-day MA of 162.81, and above the 200-day MA of 159.82, indicating a neutral trend. The MACD of 2.01 indicates Positive momentum. The RSI at 49.86 is Neutral, neither overbought nor oversold. The STOCH value of 27.45 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GB:PBEE.

PensionBee Group PLC Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PBEE	69 Neutral	£394.83M	―	-12.67%	―	39.41%	70.19%
ALFA	67 Neutral	£637.44M	24.77	58.00%	2.23%	7.75%	8.77%
ATG	67 Neutral	£560.50M	29.62	3.69%	―	1.61%	11.43%
APTD	65 Neutral	£171.69M	35.39	8.42%	1.16%	-6.21%	21.39%
AOM	64 Neutral	£113.11M	108.06	11.82%	―	―	―
GBG	60 Neutral	£585.43M	69.21	1.40%	1.86%	1.94%	―
Sector *	57 Neutral	HK$14.23B	4.94	-5.75%	5.29%	9.34%	-42.23%

PensionBee Group PLC Corporate Events

PensionBee Announces Total Voting Rights Update

PensionBee Group PLC announced that as of 30 June 2025, its issued share capital consists of 237,134,761 ordinary shares, with no shares held in treasury. This information is crucial for shareholders to determine their notification obligations under the Financial Conduct Authority’s rules. The announcement underscores PensionBee’s commitment to transparency and regulatory compliance, which is vital for maintaining investor confidence and supporting its market position.

The most recent analyst rating on (GB:PBEE) stock is a Buy with a £2.11 price target. To see the full list of analyst forecasts on PensionBee Group PLC stock, see the GB:PBEE Stock Forecast page.

PensionBee Group PLC Announces Change in Voting Rights Structure

PensionBee Group PLC has announced a change in its voting rights structure due to an acquisition or disposal of shares and financial instruments by Mudita Advisors LLP. The total voting rights held by Mudita Advisors have increased to 13%, up from 12.04%, indicating a significant shift in stakeholder influence within the company.

The most recent analyst rating on (GB:PBEE) stock is a Buy with a £2.11 price target. To see the full list of analyst forecasts on PensionBee Group PLC stock, see the GB:PBEE Stock Forecast page.

PensionBee Schedules 2025 Financial Results Announcements

PensionBee Group PLC has announced the release schedule for its financial results for the second quarter and first half of 2025. The 2Q 2025 results will be published on July 23, 2025, followed by a webcast, while the interim results for the first half of the year will be available on August 14, 2025. These announcements provide stakeholders with insights into the company’s performance and future outlook, reinforcing its commitment to transparency and investor engagement.

The most recent analyst rating on (GB:PBEE) stock is a Buy with a £2.11 price target. To see the full list of analyst forecasts on PensionBee Group PLC stock, see the GB:PBEE Stock Forecast page.

PensionBee CFO Acquires Shares, Aligning Interests with Shareholders

PensionBee Group PLC announced that its Chief Financial Officer, Christoph J. Martin, has acquired ordinary shares in the company through the exercise of vested options under the company’s EMI Scheme and Omnibus Plan. This transaction, which involved selling some shares to cover tax liabilities, highlights the company’s ongoing commitment to aligning management interests with shareholder value, potentially impacting stakeholder confidence and market perception.

The most recent analyst rating on (GB:PBEE) stock is a Buy with a £2.11 price target. To see the full list of analyst forecasts on PensionBee Group PLC stock, see the GB:PBEE Stock Forecast page.

PensionBee Announces Total Voting Rights Update

PensionBee Group plc announced that as of 30 May 2025, its issued share capital consists of 236,914,581 ordinary shares, with no shares held in treasury. This figure will serve as the denominator for shareholders to calculate their interests under the Financial Conduct Authority’s rules. This update reflects the company’s transparency and regulatory compliance, reinforcing its commitment to maintaining clear communication with stakeholders.

The most recent analyst rating on (GB:PBEE) stock is a Buy with a £2.11 price target. To see the full list of analyst forecasts on PensionBee Group PLC stock, see the GB:PBEE Stock Forecast page.

PensionBee Group PLC Announces Successful AGM Resolutions

PensionBee Group PLC announced the successful passing of all resolutions at its 2025 Annual General Meeting, including both ordinary and special resolutions. The resolutions covered various aspects of company governance, such as director appointments and auditor reappointments, reflecting strong shareholder support. This outcome reinforces PensionBee’s commitment to maintaining high governance standards and could positively impact its market position and stakeholder confidence.

The most recent analyst rating on (GB:PBEE) stock is a Buy with a £2.11 price target. To see the full list of analyst forecasts on PensionBee Group PLC stock, see the GB:PBEE Stock Forecast page.

PensionBee Announces Total Voting Rights Update

PensionBee Group plc announced its total voting rights as of 30 April 2025, with an issued share capital of 236,777,192 ordinary shares. This figure is crucial for shareholders to determine their interest in the company under the Financial Conduct Authority’s rules, impacting how they manage their investments and voting rights.

PensionBee Reports Strong Q1 2025 Growth Amid Strategic Expansion

PensionBee Group PLC reported a strong financial performance for Q1 2025, with a 14% increase in invested customers and a 20% growth in assets under administration, reaching £5.8 billion. The company achieved a 23% rise in group revenue and improved its adjusted EBITDA margin, reflecting its robust business model and effective customer acquisition strategies. PensionBee continues to focus on expanding its customer base through strategic marketing and technological innovations, while its recent US expansion aims to capture a larger share of the retirement market. The company’s commitment to customer satisfaction is evident in its high retention rates and positive Trustpilot ratings, positioning it well for future growth.