PCI PAL (PCIP) AI Stock Analysis

• Market Cap: £33.69M
• Dividend Yield: N/A
• Average Volume (3M): 83.16K
• Price to Earnings (P/E): 775.0
• Beta (1Y): 0.05
• 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: 41 Neutral
• Price Target: 42.00p ▼(-8.70% Downside)

The overall stock score is primarily impacted by weak technical indicators and valuation concerns, despite strong revenue growth. The company's financial instability and high P/E ratio contribute to a low score.

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 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: Negative
• Last Price: 46.00
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• 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 Negative. The current price of 46 is below the 20-day moving average (MA) of 46.85, below the 50-day MA of 48.88, and below the 200-day MA of 51.12, indicating a bearish trend. The MACD of -1.02 indicates Positive momentum. The RSI at 38.27 is Neutral, neither overbought nor oversold. The STOCH value of 55.41 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	£173.54M	58.16	7.35%	―	26.09%	32.43%
BOKU	73 Outperform	£676.72M	65.90	9.64%	―	22.19%	78.35%
BGO	69 Neutral	£76.98M	-37.74	-10.50%	―	6.40%	70.78%
PAY	65 Neutral	£423.95M	23.12	17.90%	5.73%	1.42%	-46.04%
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%
CNS	56 Neutral	£44.81M	-35.00	-9.83%	―	-5.43%	-292.31%
PCIP	41 Neutral	£33.69M	775.00	―	―	25.15%	―

PCI PAL Corporate Events

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.

The most recent analyst rating on (GB:PCIP) stock is a Hold with a £50.00 price target. To see the full list of analyst forecasts on PCI PAL stock, see the GB:PCIP Stock Forecast page.

PCI Pal PLC to Announce Final Results and Host Investor Briefing

PCI Pal PLC, a global cloud provider of secure payment solutions, announced that it will release its final results for the fiscal year ending 30 June 2025 on 09 September 2025. The company will hold an online analyst briefing and an investor presentation to discuss the results and future prospects. These events will be led by CEO James Barham and CFO Ryan Murray, providing stakeholders with insights into the company’s performance and strategic direction.