PCI PAL (PCIP) AI Stock Analysis

• Market Cap: £34.78M
• Dividend Yield: N/A
• Average Volume (3M): 80.31K
• Price to Earnings (P/E): 791.7
• Beta (1Y): 0.18
• 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: 42,932
• 30 Day Avg. Volume: 80,310
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• 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: £50.00
• Price Target Upside: 4.17% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 50 Neutral
• Price Target: 50.00p ▲(4.17% Upside)

PCI PAL's overall stock score is primarily influenced by its strong revenue growth and high gross profit margin, which are offset by significant challenges in profitability and financial stability. The technical analysis provides some medium-term support, but the extremely high P/E ratio suggests overvaluation concerns.

PCI PAL Business Overview & Revenue Model

Company Description

PCI PAL (PCIP) is a global provider of secure payment solutions, specializing in protecting payment card information during transactions across various channels, including voice, web, and mobile. The company operates primarily in the technology and telecommunications sectors, offering cloud-based solutions designed to ensure compliance with Payment Card Industry Data Security Standards (PCI DSS). PCI PAL's core products include secure payment services that enable businesses to accept payments without exposing sensitive customer data, thereby minimizing the risk of data breaches and fraud.

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 demonstrates strong revenue growth and efficient cash flow management, particularly in operating cash flow improvements. However, persistent net losses and negative equity underscore financial instability. The company needs to address profitability challenges and stabilize its balance sheet to ensure long-term viability.

Income Statement

PCI PAL has demonstrated impressive revenue growth, notably a 20.17% increase from 2023 to 2024. The gross profit margin is robust at 89.20% in 2024, indicating strong cost management. However, the company continues to incur net losses, with a net profit margin of -6.56% in 2024, suggesting the need for improved profitability.

Balance Sheet

The balance sheet reveals a concerning negative stockholders' equity of -$1.97 million in 2024, indicating financial instability. The equity ratio is negative, highlighting a potential risk of insolvency. The company has minimal debt, which is advantageous, but the negative equity presents a significant risk factor.

Cash Flow

PCI PAL has significantly improved its operating cash flow, moving from a deficit to a positive $1.83 million in 2024. The free cash flow, although negative, has improved substantially. The operating cash flow to net income ratio is positive, indicating efficient cash flow management relative to net income.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	19.80M	22.48M	17.96M	14.95M	11.94M	7.36M
Gross Profit	16.20M	20.11M	16.02M	11.94M	9.04M	4.82M
EBITDA	858.00K	-55.00K	-248.00K	-3.69M	-2.12M	-3.26M
Net Income	-694.00K	41.00K	-1.18M	-4.89M	-2.94M	-4.04M
Balance Sheet
Total Assets	14.70M	15.85M	15.52M	11.51M	12.95M	13.69M
Cash, Cash Equivalents and Short-Term Investments	4.00M	3.92M	4.33M	1.17M	4.89M	7.52M
Total Debt	0.00	37.00K	23.00K	67.00K	109.00K	15.00K
Total Liabilities	16.74M	17.02M	17.49M	15.62M	12.77M	9.76M
Stockholders Equity	-2.04M	-1.17M	-1.97M	-4.11M	185.00K	3.93M
Cash Flow
Free Cash Flow	1.88M	1.11M	1.75M	-3.68M	-2.63M	-762.00K
Operating Cash Flow	1.91M	1.16M	1.79M	-2.02M	-1.36M	198.00K
Investing Cash Flow	-1.93M	-1.71M	-2.03M	-1.66M	-1.27M	-960.00K
Financing Cash Flow	3.23M	89.00K	3.37M	-42.00K	5.00K	3.98M

PCI PAL Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 48.00
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Positive
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:PCIP, the sentiment is Negative. The current price of 48 is below the 20-day moving average (MA) of 50.47, below the 50-day MA of 49.23, and below the 200-day MA of 52.89, indicating a bearish trend. The MACD of -0.44 indicates Positive momentum. The RSI at 23.91 is Positive, neither overbought nor oversold. The STOCH value of 29.18 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for GB:PCIP.

PCI PAL Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BKS	74 Outperform	£176.67M	60.88	7.35%	―	26.09%	32.43%
BOKU	73 Outperform	£732.92M	71.39	9.64%	―	22.19%	78.35%
BGO	69 Neutral	£75.43M	―	-10.50%	―	6.40%	70.78%
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%
CNS	61 Neutral	£52.50M	132.14	-9.83%	―	-5.43%	-292.31%
PAY	60 Neutral	£508.65M	27.68	17.90%	4.65%	1.42%	-46.02%
PCIP	50 Neutral	£34.78M	791.67	―	―	25.15%	―

PCI PAL Corporate Events

PCI Pal Directors Increase Shareholdings, Signaling Confidence in Future Prospects

PCI Pal PLC announced that its directors have purchased a total of 286,342 shares over the past two days, with the latest transaction involving 175,401 shares. This move indicates a strong vote of confidence from the company’s leadership in its future prospects and may positively influence stakeholder perception, potentially strengthening PCI Pal’s position in the secure payment solutions industry.

PCI Pal CEO Increases Stake, Signaling Confidence in Company’s Future

PCI Pal PLC announced that its CEO, James Barham, has increased his stake in the company by purchasing 110,941 ordinary shares at 45 pence each, raising his total interest to 0.51% of the company’s voting rights. This move could signal confidence in the company’s future prospects and may positively impact stakeholder perception, as it reflects leadership’s commitment to the company’s growth and stability.

PCI Pal PLC Reports Strong FY25 Growth and Strategic Expansion Plans

PCI Pal PLC reported a strong fiscal year 2025 with a 25% increase in annual recurring revenue (ARR) and revenues aligning with market expectations. The company plans to continue its growth trajectory by launching new products, including an AI-powered fraud risk scoring tool, and increasing investments in marketing and engineering to support long-term ARR growth of 18-20% annually through FY27. Despite facing foreign exchange headwinds, PCI Pal remains confident in its strategic plan and market positioning, aiming to capitalize on the expanding global cloud contact center solutions market.

PCI Pal Launches AI-Powered Fraud Risk Scoring Product

PCI Pal has launched an AI-powered fraud risk scoring product as part of its new Fraud Management Product Suite for contact centers, aimed at combating the rising threat of card-not-present payment fraud. Developed in partnership with Telesign, the product provides real-time fraud risk scores to guide contact center agents towards secure payment methods, reducing chargebacks and protecting revenue without disrupting the payment process. This innovation positions PCI Pal to address the increasing fraud risks associated with the growing use of conversational AI in contact centers, with plans to expand its fraud detection and prevention offerings in the future.

PCI Pal Strengthens Board with New Appointment

PCI Pal has announced a significant change to its board of directors, appointing Andrew Lockwood as a Non-Executive Director and Chair of the Remuneration Committee. With over 30 years of experience in technology, telecommunications, and healthcare, Lockwood is expected to bring substantial commercial strength and expertise to the board, supporting PCI Pal’s growth strategy. This appointment follows the retirement of Jason Starr, who has completed his nine-year term. The strategic board change is anticipated to bolster PCI Pal’s industry positioning and operational growth.

PCI Pal Expands Equity with New Share Issuance

PCI Pal, a global cloud provider of secure payment solutions, has announced the issuance of 10,000 new ordinary shares following an employee’s exercise of options. These shares will be admitted to trading on AIM, increasing the company’s total voting rights to 72,452,589. This move is part of PCI Pal’s ongoing efforts to enhance its market presence and operational capabilities, potentially impacting shareholder interests and compliance with FCA regulations.