PCI PAL (PCIP) AI Stock Analysis

• Market Cap: £36.95M
• Dividend Yield: N/A
• Average Volume (3M): 83.16K
• Price to Earnings (P/E): 850.0
• Beta (1Y): -0.10
• Revenue Growth: 25.15%
• EPS Growth: N/A
• Country: UK
• Employees: 119
• Sector: Technology
• Sector Strength: 88
• Industry: Software - Infrastructure
• EPS (TTM): <0.01
• Shares Outstanding: 72,452,590
• 10 Day Avg. Volume: 44,156
• 30 Day Avg. Volume: 83,162
• PEG Ratio: -8.38
• Price to Book (P/B): -30.42
• Price to Sales (P/S): 1.58
• P/FCF Ratio: 32.13
• 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: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 56 Neutral
• Price Target: 53.00p ▲(3.92% Upside)

The overall score reflects strong corporate events and positive technical indicators, offset by financial performance challenges and high valuation concerns. The company's strategic initiatives and market momentum are promising, but profitability and valuation issues need addressing.

Positive Factors

Revenue Growth

Sustained revenue growth indicates strong market demand and effective sales strategies, positioning PCI PAL for continued expansion in the secure payment solutions market.

High Gross Profit Margin

A high gross profit margin reflects efficient cost management and strong pricing power, which can support long-term profitability and competitive positioning.

Positive Operating Cash Flow

Positive operating cash flow ensures liquidity and operational flexibility, enabling PCI PAL to invest in growth opportunities and manage financial obligations effectively.

Negative Factors

Negative Equity

Negative equity raises concerns about financial stability and solvency, potentially limiting PCI PAL's ability to secure financing and invest in growth.

Declining Free Cash Flow

A decline in free cash flow suggests potential cash management issues, which could impact PCI PAL's ability to fund operations and strategic initiatives without external financing.

Low Net Profit Margin

A low net profit margin indicates challenges in converting revenue into profit, which could hinder PCI PAL's ability to generate sustainable earnings and shareholder value.

PCI PAL Business Overview & Revenue Model

Company Description

PCI-PAL PLC, through its subsidiaries, provides payment card industry (PCI) compliance solutions and telephony services primarily in the United Kingdom, European Union, North America, the Asia Pacific, and the Middle East. It offers data secure payment card authorizations for call center operations; and Agent Assist, a PCI compliant solution to enhance contact center customer experience. The company also provides IVR payments solution that empowers customers to make payments 24/7; Rapid Remote, a PCI compliant business continuity payment service; and PCI Pal Digital, an omnichannel secure payment solution. It serves clients in utilities, leisure, financial services, retail, logistics, and public sectors, as well as business process outsourcers and not for profit organizations. The company was formerly known as IPPlus plc and changed its name to PCI-PAL PLC in October 2016. PCI-PAL PLC was incorporated in 1999 and is headquartered in Ipswich, the United Kingdom.

How the Company Makes Money

PCI PAL generates revenue through a subscription-based model, where clients pay for access to its secure payment solutions. Key revenue streams include monthly or annual fees for services, transaction fees for each payment processed, and additional charges for value-added services such as analytics and reporting. The company also benefits from partnerships with various payment service providers and telecommunications companies, which help to expand its customer base and enhance its service offerings. Furthermore, PCI PAL's focus on compliance and security in the payment processing industry positions it favorably against competitors, contributing to its revenue generation through increased demand for its services.

PCI PAL Financial Statement Overview

Summary

PCI PAL shows strong revenue growth and a high gross profit margin, but faces challenges with profitability due to negative equity and declining free cash flow.

Income Statement

PCI PAL has shown a positive revenue growth rate of 13.53% in the latest year, indicating a strong upward trend in sales. The gross profit margin is high at 89.45%, reflecting efficient cost management. However, the net profit margin is very low at 0.18%, and EBIT and EBITDA margins are negative, indicating challenges in achieving operational profitability.

Balance Sheet

The balance sheet reveals a negative stockholders' equity, which is a concern for financial stability. The debt-to-equity ratio is negative due to negative equity, indicating potential financial risk. However, total assets have increased, suggesting some growth in the company's asset base.

Cash Flow

Operating cash flow is positive, which is a positive sign for liquidity. However, free cash flow has decreased significantly by 41.17%, indicating potential cash management issues. The free cash flow to net income ratio is high, suggesting that the company is generating cash flow relative to its net income.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	22.48M	22.48M	17.96M	14.95M	11.94M	7.36M
Gross Profit	19.33M	20.11M	16.02M	11.94M	9.04M	4.82M
EBITDA	-8.00K	-55.00K	-248.00K	-3.69M	-2.12M	-3.26M
Net Income	41.00K	41.00K	-1.18M	-4.89M	-2.94M	-4.04M
Balance Sheet
Total Assets	15.85M	15.85M	15.52M	11.51M	12.95M	13.69M
Cash, Cash Equivalents and Short-Term Investments	3.92M	3.92M	4.33M	1.17M	4.89M	7.52M
Total Debt	37.00K	37.00K	23.00K	67.00K	109.00K	15.00K
Total Liabilities	17.02M	17.02M	17.49M	15.62M	12.77M	9.76M
Stockholders Equity	-1.17M	-1.17M	-1.97M	-4.11M	185.00K	3.93M
Cash Flow
Free Cash Flow	1.16M	1.11M	1.75M	-3.68M	-2.63M	-762.00K
Operating Cash Flow	1.21M	1.16M	1.79M	-2.02M	-1.36M	198.00K
Investing Cash Flow	-1.82M	-1.71M	-2.03M	-1.66M	-1.27M	-960.00K
Financing Cash Flow	89.00K	89.00K	3.37M	-42.00K	5.00K	3.98M

PCI PAL Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 51.00
• 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:PCIP, the sentiment is Positive. The current price of 51 is below the 20-day moving average (MA) of 51.01, above the 50-day MA of 49.27, and above the 200-day MA of 48.82, indicating a neutral trend. The MACD of 0.39 indicates Positive momentum. The RSI at 53.95 is Neutral, neither overbought nor oversold. The STOCH value of 48.75 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GB:PCIP.

PCI PAL Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BOKU	70 Outperform	£614.54M	59.83	9.64%	―	22.19%	78.35%
BGO	69 Neutral	£68.51M	-33.58	-10.50%	―	6.40%	70.78%
CNS	65 Neutral	£47.63M	-37.20	-9.83%	―	-5.43%	-292.31%
PAY	65 Neutral	£293.91M	18.42	16.31%	20.45%	1.58%	-57.55%
BKS	64 Neutral	£157.24M	52.49	7.35%	―	26.09%	32.43%
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%
PCIP	56 Neutral	£36.95M	850.00	―	―	25.15%	―

PCI PAL Corporate Events

PCI Pal PLC Announces Successful AGM Resolutions

PCI Pal PLC, a global cloud provider of secure payment solutions, announced that all resolutions proposed at its Annual General Meeting were passed. This includes the re-election of several directors and the re-appointment of BDO LLP as the company’s auditor. The successful passing of these resolutions indicates strong shareholder support and positions PCI Pal to continue its strategic initiatives in the secure payment solutions industry.

PCI Pal Integrates with Epic to Streamline Healthcare Payments

PCI Pal has announced a strategic integration with Epic, a prominent electronic health record system, to enhance secure payment processing for healthcare providers. This integration allows healthcare organizations to process payments within the Epic environment, streamlining patient billing and reducing compliance burdens, ultimately improving the payment experience for patients and operational efficiency for providers.

PCI Pal Releases Capital Markets Day Video to Enhance Stakeholder Engagement

PCI Pal, a global cloud provider of secure payment solutions, announced the availability of the video from its recent Capital Markets Day on its website. This announcement highlights the company’s ongoing efforts to engage with stakeholders and provide transparency about its operations and strategic direction, potentially strengthening its position in the secure payment solutions industry.

PCI Pal PLC Enhances Investor Engagement with CMD Presentation and Mello London Event

PCI Pal PLC, a global leader in secure payment solutions, has announced the availability of its Capital Markets Day presentation on its website. CEO James Barham and CTO Mufti Monim will also present at the Mello London investor event, highlighting the company’s strategic initiatives and industry positioning. This announcement underscores PCI Pal’s commitment to transparency and engagement with stakeholders, potentially enhancing its market presence and investor relations.

PCI Pal Hosts Capital Markets Day Highlighting Growth and Innovation

PCI Pal, a global cloud provider of secure payment solutions, is hosting a Capital Markets Day to present its strategy and growth opportunities to institutional investors and analysts. The event will highlight the company’s partner-first strategy, direct enterprise sales capabilities, and innovation pipeline, while also providing updates on its strong start to the financial year, with growing sales and partner pipelines in Europe and North America aligning with management expectations.

PCI Pal Releases Annual Report and Announces AGM

PCI Pal PLC, a global cloud provider of secure payment solutions, has released its Annual Report and Accounts for the year ending June 30, 2025, and announced its Annual General Meeting (AGM) scheduled for December 1, 2025, in London. This announcement underscores PCI Pal’s commitment to transparency and stakeholder engagement, reinforcing its position in the secure payment solutions industry.

PCI Pal Reports Robust Financial Growth and Strategic Expansion in 2025

PCI Pal PLC, a global provider of secure payment solutions, announced strong financial results for the year ending June 30, 2025, with a 25% increase in revenue to £22.48 million and a significant rise in adjusted EBITDA by 167%. The company achieved a record 25% growth in Annual Recurring Revenue (ARR) and expanded its market presence by securing major contracts, including a multi-year agreement with the UK Government’s Department for Work and Pensions. With the launch of new products and strategic hires, PCI Pal is well-positioned for future growth, leveraging its robust partner ecosystem and cloud solutions to enhance its industry leadership.