Want to see GB:PCIP full AI Analyst Report?
Top Page
PCI PAL
(LSE:PCIP)
Select Model
Select Model
Rating:55Neutral
Price Target:
57.00 p
▲(31.03% Upside)
Action:Reiterated
Date:08/01/26
The score is held back primarily by weak financial fundamentals—negative equity, very low/unstable profitability, and declining free cash flow—despite strong revenue growth and high gross margins. Technicals are supportive with the stock trading above major moving averages, but valuation remains challenged due to a negative P/E and no provided dividend yield.
Positive Factors
High gross margin & revenue growth
PCI PAL's 13.53% revenue growth and 89.45% gross margin indicate sustained demand for its payment-security services and a highly scalable cost structure. High gross margins provide resilience to margin volatility, support reinvestment in product/security capabilities, and help sustain competitive positioning over the medium term.
Negative Factors
Negative shareholders' equity
Negative shareholders' equity reflects accumulated losses or deficits, weakening the firm's solvency buffer. Over the medium term this can constrain access to traditional debt, limit capital allocation flexibility, and increase reliance on equity financing or restrictive credit terms, raising execution risk.
Read all positive and negative factors
Positive Factors
Negative Factors
High gross margin & revenue growth
PCI PAL's 13.53% revenue growth and 89.45% gross margin indicate sustained demand for its payment-security services and a highly scalable cost structure. High gross margins provide resilience to margin volatility, support reinvestment in product/security capabilities, and help sustain competitive positioning over the medium term.
Read all positive factors
PCI PAL (PCIP) vs. iShares MSCI United Kingdom ETF (EWC)
Market Cap
£40.57M
Dividend YieldN/A
Average Volume (3M)83.16K
Price to Earnings (P/E)―
Beta (1Y)0.08
Revenue Growth17.23%
EPS Growth29.17%
CountryUK
Employees126
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 Upside164.37% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)<0.01
Revenue Forecast (FY)£27.00M
PCI PAL Business Overview & Revenue Model
Company Description
PCI-PAL PLC, through its subsidiaries, engages in the provision of payment card industry (PCI) compliance solutions and telephony services primarily in the United Kingdom, the United States, Canada, rest of Europe, and the Asia Pacific. It offers ...
How the Company Makes Money
PCI PAL makes money primarily by selling its payment security and compliance software as recurring services to businesses that accept card payments (notably in environments such as contact centres, remote/telephone payments, and other card-not-pre...
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 | 828.00K | -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
Positive
43.50
Price Trends
47.25
Positive
48.77
Positive
50.81
Positive
Market Momentum
3.85
Negative
92.74
Negative
90.44
Negative
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 43.5 is below the 20-day moving average (MA) of 49.10, below the 50-day MA of 47.25, and below the 200-day MA of 50.81, indicating a bullish trend. The MACD of 3.85 indicates Negative momentum. The RSI at 92.74 is Negative, neither overbought nor oversold. The STOCH value of 90.44 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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 |
|---|---|---|---|---|---|---|---|
69 Neutral | £368.00M | 9.64 | 45.78% | 15.44% | 8.46% | 111.81% | |
61 Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% | |
57 Neutral | £42.25M | -85.57 | -3.99% | ― | 0.46% | -257.14% | |
55 Neutral | £40.57M | -90.32 | 31.19% | ― | 17.23% | 29.17% | |
54 Neutral | £25.54M | -13.80 | -8.35% | ― | 7.66% | 8.68% | |
50 Neutral | £14.77M | -1.24 | -24.02% | ― | ― | ― | |
43 Neutral | £1.73M | 6.17 | 58.02% | ― | ― | ― |
* Technology Sector Average
GB:PCIP
PCI PAL
60.00
12.80
27.12%
GB:CLCO
CloudCoCo Group
0.16
-0.12
-42.86%
GB:CNS
Corero Network Security
8.75
-1.00
-10.26%
GB:PAY
Paypoint
600.50
-87.32
-12.70%
GB:SWG
Shearwater
61.50
-5.00
-7.52%
GB:SYS
SysGroup
32.00
13.50
72.97%
PCI PAL Corporate Events
Business Operations and Strategy
PCI Pal CEO Boosts Stake with Share Purchase
Positive
Jul 31, 2026
PCI Pal PLC has disclosed that Chief Executive Officer James Barham purchased 26,466 ordinary shares in the company at 56.5 pence per share. Following this transaction, Barham’s beneficial holding rises to 397,539 shares, representing 0.55% ...
Business Operations and Strategy
PCI Pal names NICE as strategic reseller partner for secure payments
Positive
Jul 30, 2026
PCI Pal has confirmed that NICE Systems, Inc. is the previously undisclosed strategic integrated reseller partner it signed in February, formalising the relationship within the NICE CXexchange marketplace as a Strategic DEVone Partner. The tie-up ...
Business Operations and StrategyFinancial Disclosures
PCI Pal beats forecasts as recurring revenues and U.S. momentum climb
Positive
Jul 28, 2026
PCI Pal reported strong trading for the year to 30 June 2026, with annual recurring revenue rising 27% organically to £24.4m and contracted ARR up 24% to £27.5m, underpinning high revenue visibility into FY27. Gross revenue retention imp...
Business Operations and Strategy
PCI Pal secures new eight-year HMRC contract, bolstering long-term growth
Positive
Jul 2, 2026
PCI Pal PLC has resecured its contract with HM Revenue Customs after a competitive re-tender, extending the relationship on a new eight-year term via one of its reseller partners. The agreement is expected to generate revenues broadly in line wit...
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.