PCI-PAL PLC (GB:PCIP)
LSE:PCIP
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PCI PAL
(LSE:PCIP)
Select Model
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Rating:56Neutral
Price Target:
47.00 p
▼(-9.62% Downside)
Action:Reiterated
Date:12/07/25
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
High gross profit margin
An 89.45% gross margin reflects highly scalable, low direct-cost economics typical of software/tokenisation. Sustained high gross margins provide durable capacity to fund R&D, platform improvements and sales expansion, supporting margin recovery and long-term profitability once operating costs are controlled.
Negative Factors
Very low net profit margin
Near-zero net margin and negative operating margins mean the business is not yet converting revenue into sustainable earnings. This reduces internal funding for growth, increases sensitivity to cost shocks, and implies the company may need structural margin improvement or external capital to reach durable profitability.
Read all positive and negative factors
Positive Factors
Negative Factors
High gross profit margin
An 89.45% gross margin reflects highly scalable, low direct-cost economics typical of software/tokenisation. Sustained high gross margins provide durable capacity to fund R&D, platform improvements and sales expansion, supporting margin recovery and long-term profitability once operating costs are controlled.
Read all positive factors
PCI PAL (PCIP) vs. iShares MSCI United Kingdom ETF (EWC)
Market Cap
£33.91M
Dividend YieldN/A
Average Volume (3M)83.16K
Price to Earnings (P/E)―
Beta (1Y)-0.02
Revenue Growth17.23%
EPS Growth29.17%
CountryUK
Employees119
SectorTechnology
Sector Strength88
IndustrySoftware - Infrastructure
Share Statistics
EPS (TTM)>-0.01
Shares Outstanding72,452,590
10 Day Avg. Volume44,156
30 Day Avg. Volume83,162
Financial Highlights & Ratios
PEG Ratio-8.38
Price to Book (P/B)-30.42
Price to Sales (P/S)1.58
P/FCF Ratio32.13
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
£115.00Price Target Upside121.15% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)-0.01
Revenue Forecast (FY)£23.75M
PCI PAL Business Overview & Revenue Model
Company Description
PCI-PAL Plc, operating with its subsidiaries, specializes in delivering Payment Card Industry (PCI) compliance solutions and associated telephony services. Its market reach extends primarily across the United Kingdom, the European Union, North Ame...
How the Company Makes Money
PCI PAL primarily makes money by selling its payment security and compliance software as recurring subscriptions/licences, typically priced based on factors such as number of agents/seats, transaction volumes, channels enabled (e.g., voice/contact...
PCI PAL Financial Statement Overview
Summary
Income Statement
55
Neutral
Balance Sheet
40
Negative
Cash Flow
50
Neutral
| Breakdown | TTM | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 | Jun 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 23.21M | 22.48M | 17.96M | 14.95M | 11.94M | 7.36M |
| Gross Profit | 19.64M | 20.11M | 16.02M | 11.94M | 9.04M | 4.82M |
| EBITDA | -495.00K | -55.00K | -248.00K | -3.69M | -2.12M | -3.26M |
| Net Income | -491.00K | 41.00K | -1.18M | -4.89M | -2.94M | -4.04M |
Balance Sheet | ||||||
| Total Assets | 15.52M | 15.85M | 15.52M | 11.51M | 12.95M | 13.69M |
| Cash, Cash Equivalents and Short-Term Investments | 2.61M | 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 | 17.50M | 17.02M | 17.49M | 15.62M | 12.77M | 9.76M |
| Stockholders Equity | -1.98M | -1.17M | -1.97M | -4.11M | 185.00K | 3.93M |
Cash Flow | ||||||
| Free Cash Flow | 286.00K | 1.11M | 1.75M | -3.68M | -2.63M | -762.00K |
| Operating Cash Flow | 381.00K | 1.16M | 1.79M | -2.02M | -1.36M | 198.00K |
| Investing Cash Flow | -2.00M | -1.71M | -2.03M | -1.66M | -1.27M | -960.00K |
| Financing Cash Flow | -33.00K | 89.00K | 3.37M | -42.00K | 5.00K | 3.98M |
PCI PAL Technical Analysis
Negative
52.00
Price Trends
49.64
Negative
52.48
Negative
51.35
Negative
Market Momentum
-0.72
Positive
29.53
Positive
25.76
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 52 is above the 20-day moving average (MA) of 49.04, above the 50-day MA of 49.64, and above the 200-day MA of 51.35, indicating a bearish trend. The MACD of -0.72 indicates Positive momentum. The RSI at 29.53 is Positive, neither overbought nor oversold. The STOCH value of 25.76 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
UnderperformOutperform
Sector (61)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
64 Neutral | £351.27M | 9.02 | 17.25% | 20.30% | 8.46% | 120.34% | |
61 Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% | |
61 Neutral | £57.62M | -109.17 | -3.99% | ― | 0.46% | -257.14% | |
56 Neutral | £33.91M | -69.06 | 31.19% | ― | 17.23% | 29.17% | |
50 Neutral | £8.94M | -0.93 | ― | ― | ― | ― | |
49 Neutral | £2.01M | 0.48 | ― | ― | ― | ― | |
46 Neutral | £15.07M | -7.02 | -9.36% | ― | -7.45% | 78.23% |
* Technology Sector Average
GB:PCIP
PCI PAL
46.80
-5.20
-10.00%
GB:CLCO
CloudCoCo Group
0.22
0.04
19.44%
GB:CNS
Corero Network Security
11.25
-3.75
-25.00%
GB:PAY
Paypoint
583.50
-166.54
-22.20%
GB:SWG
Shearwater
37.50
-4.70
-11.14%
GB:SYS
SysGroup
18.00
-3.50
-16.28%
PCI PAL Corporate Events
Business Operations and StrategyRegulatory Filings and Compliance
PCI Pal gains HIPAA, HITRUST and SOC 2 Type II to drive U.S. enterprise growth
Positive
Apr 14, 2026
PCI Pal PLC has secured HIPAA, HITRUST and SOC 2 Type II compliance, a combination that is uncommon in its sector and tailored to meet stringent U.S. healthcare and enterprise data protection standards. The certifications validate that the company...
Business Operations and Strategy
PCI Pal seals major global telco reseller deal to extend secure payment reach
Positive
Mar 18, 2026
PCI Pal has signed a major integrated reseller partnership with a leading global telecommunications company that serves carrier services, contact centres, and unified communications customers. The telco will productise PCI Pal’s secure payme...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.