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:
59.00 p
▲(13.46% Upside)
Action:ReiteratedDate: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
Sustained Revenue Growth
Revenue growth near the mid-teens indicates sustained customer demand for PCI PAL's payment security offerings. Over 2-6 months this supports recurring revenue scale, enables continued investment in product and compliance integrations, and strengthens negotiating leverage with larger enterprise clients.
Negative Factors
Negative Shareholders' Equity
Negative shareholders' equity signals accumulated deficits and a weakened capital base. Over months this undermines borrowing capacity, raises refinancing and covenant risk, and can limit the firm's ability to invest or pursue larger enterprise deals without corrective capital actions or earnings recovery.
Read all positive and negative factors
Positive Factors
Negative Factors
Sustained Revenue Growth
Revenue growth near the mid-teens indicates sustained customer demand for PCI PAL's payment security offerings. Over 2-6 months this supports recurring revenue scale, enables continued investment in product and compliance integrations, and strengthens negotiating leverage with larger enterprise clients.
Read all positive factors
PCI PAL (PCIP) vs. iShares MSCI United Kingdom ETF (EWC)
Market Cap
£35.86M
Dividend YieldN/A
Average Volume (3M)83.16K
Price to Earnings (P/E)―
Beta (1Y)-0.03
Revenue Growth25.15%
EPS GrowthN/A
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)N/A
Revenue Forecast (FY)N/A
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 pa...
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 additiona...
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
54.64
Negative
53.45
Negative
50.96
Negative
Market Momentum
-1.76
Positive
29.84
Positive
45.83
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 51.45, below the 50-day MA of 54.64, and above the 200-day MA of 50.96, indicating a bearish trend. The MACD of -1.76 indicates Positive momentum. The RSI at 29.84 is Positive, neither overbought nor oversold. The STOCH value of 45.83 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 | £361.02M | 8.32 | 17.25% | 20.30% | 1.58% | -57.55% | |
61 Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% | |
61 Neutral | £61.46M | 9.55 | -3.99% | ― | -5.43% | -292.31% | |
56 Neutral | £35.86M | -11.38 | 31.19% | ― | 25.15% | ― | |
55 Neutral | £2.10M | 0.95 | ― | ― | ― | ― | |
50 Neutral | £9.41M | -1.17 | ― | ― | ― | ― | |
45 Neutral | £11.30M | -3.01 | -9.36% | ― | -7.45% | 78.23% |
* Technology Sector Average
GB:PCIP
PCI PAL
49.50
3.50
7.61%
GB:CLCO
CloudCoCo Group
0.23
0.14
150.00%
GB:CNS
Corero Network Security
12.00
-3.25
-21.31%
GB:PAY
Paypoint
594.00
10.63
1.82%
GB:SWG
Shearwater
39.50
7.50
23.44%
GB:SYS
SysGroup
13.50
-7.00
-34.15%
PCI PAL Corporate Events
Business Operations and StrategyFinancial Disclosures
PCI Pal boosts recurring revenues as partner-led growth offsets profit squeeze
Positive
Mar 3, 2026
PCI Pal reported interim results for the six months to 31 December 2025 showing strong recurring revenue growth but lower profitability as it invests for expansion. Annual recurring revenue rose 21% to £20.3m and contracted ARR increased 18% ...
Business Operations and Strategy
PCI Pal expands global reach with new strategic reseller partnership
Positive
Feb 23, 2026
PCI Pal has signed a major integrated reseller partnership with a leading global vendor in business communications, AI and customer experience technology, building on prior collaboration across enterprise customers in North America, Europe and Aus...
Business Operations and StrategyFinancial Disclosures
PCI Pal Sets Date for Interim Results and Investor Briefings
Neutral
Feb 17, 2026
PCI Pal PLC, the AIM-listed global cloud provider of secure payment solutions for business communications, will report interim results for the six months to 31 December 2025 on 3 March 2026. The company delivers SaaS-based payment security tools v...
Business Operations and StrategyFinancial Disclosures
PCI Pal Posts Record ARR Growth on Strong H1 Trading and Partner-Led Expansion
Positive
Feb 3, 2026
PCI Pal reported a strong first half to 31 December 2025, driven by record new business wins and more efficient customer deployments that lifted annualised recurring revenue to £20.3m, up 21% year on year (25% on a constant currency basis), w...
Business Operations and StrategyExecutive/Board Changes
PCI Pal Grants New Executive Share Options Under Long-Term Incentive Plan
Positive
Dec 18, 2025
PCI Pal has implemented a new long-term incentive plan by granting 1.48 million nominal-cost share options to its chief executive and chief financial officer, following shareholder approval at the company’s recent AGM. The awards, which incr...
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.