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CPP Group plc
(LSE:CPP)
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Rating:40Underperform
Price Target:
30.00 p
▼(-59.73% Downside)
Action:Downgraded
Date:07/09/26
The score is driven primarily by deteriorating financial performance (sharp revenue collapse, deeply negative profitability, and continued cash burn). Technicals add downside pressure with a strong downtrend (price below all key moving averages and negative MACD), despite oversold readings. Valuation is constrained by losses (negative P/E) and no provided dividend yield.
Positive Factors
Recurring subscription revenue model
A subscription-based model creates inherently recurring revenue and customer lifetime value, supporting predictable cash flows and easier unit-economics planning over months. For a protection/assistance provider, recurring fees and renewals are a durable structural revenue source if retention is restored.
Negative Factors
Severe revenue collapse and margin deterioration
A ~97% revenue drop and deeply negative margins materially impair the economics of the subscription business: loss of scale undermines unit economics, raises per-customer costs, and makes it much harder to rebuild sustainable profitability without structural changes to products, pricing or distribution.
Read all positive and negative factors
Positive Factors
Negative Factors
Recurring subscription revenue model
A subscription-based model creates inherently recurring revenue and customer lifetime value, supporting predictable cash flows and easier unit-economics planning over months. For a protection/assistance provider, recurring fees and renewals are a durable structural revenue source if retention is restored.
Read all positive factors
CPP Group plc (CPP) vs. iShares MSCI United Kingdom ETF (EWC)
Market Cap
£2.80M
Dividend YieldN/A
Average Volume (3M)16.04K
Price to Earnings (P/E)―
Beta (1Y)0.49
Revenue Growth-98.68%
EPS Growth-75.81%
CountryUK
Employees190
SectorIndustrials
Sector Strength72
IndustryInsurance - Property & Casualty
Share Statistics
EPS (TTM)-0.68
Shares Outstanding9,181,628
10 Day Avg. Volume5,777
30 Day Avg. Volume16,037
Financial Highlights & Ratios
PEG Ratio-0.02
Price to Book (P/B)2.35
Price to Sales (P/S)3.14
P/FCF Ratio-1.09
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)-0.15
Revenue Forecast (FY)£167.02M
CPP Group plc Business Overview & Revenue Model
Company Description
CPPGroup Plc engages in creating embedded and ancillary real-time assistance products and resolution service in the India, Turkey, and internationally. The company provides its services for card and ATM protection; parametric flight disruption and...
How the Company Makes Money
CPP primarily generates revenue by selling ongoing membership/subscription products that bundle protection and assistance benefits (for example, card and identity protection and device-related protection/assistance). Revenue is typically earned as...
CPP Group plc Financial Statement Overview
Summary
Income Statement
12
Very Negative
Balance Sheet
44
Neutral
Cash Flow
18
Very Negative
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 2.06M | 156.43M | 193.04M | 169.78M | 143.63M |
| Gross Profit | 1.13M | 20.81M | 30.95M | 30.77M | 32.92M |
| EBITDA | -3.76M | 699.00K | -2.89M | 5.61M | 7.59M |
| Net Income | -6.20M | -3.59M | -8.65M | 101.00K | 518.00K |
Balance Sheet | |||||
| Total Assets | 8.59M | 28.90M | 54.20M | 59.66M | 53.96M |
| Cash, Cash Equivalents and Short-Term Investments | 5.61M | 9.49M | 17.96M | 20.98M | 22.32M |
| Total Debt | 21.00K | 962.00K | 3.90M | 4.70M | 5.82M |
| Total Liabilities | 5.83M | 28.92M | 46.69M | 45.18M | 38.59M |
| Stockholders Equity | 2.76M | -26.00K | 5.26M | 12.67M | 13.82M |
Cash Flow | |||||
| Free Cash Flow | -5.93M | -11.78M | 404.00K | 1.10M | 2.67M |
| Operating Cash Flow | -5.90M | -9.74M | 4.29M | 3.82M | 4.56M |
| Investing Cash Flow | 3.08M | 1.93M | -3.89M | -3.18M | 583.00K |
| Financing Cash Flow | -478.00K | -1.29M | -1.52M | -2.12M | -4.19M |
CPP Group plc Technical Analysis
Negative
74.50
Price Trends
55.19
Negative
59.05
Negative
75.26
Negative
Market Momentum
-8.22
Positive
23.98
Positive
47.44
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:CPP, the sentiment is Negative. The current price of 74.5 is above the 20-day moving average (MA) of 44.70, above the 50-day MA of 55.19, and below the 200-day MA of 75.26, indicating a bearish trend. The MACD of -8.22 indicates Positive momentum. The RSI at 23.98 is Positive, neither overbought nor oversold. The STOCH value of 47.44 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for GB:CPP.
CPP Group plc Peers Comparison
UnderperformOutperform
Sector (63)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | £2.21B | 15.59 | 16.69% | 1.27% | 1.69% | 276.44% | |
78 Outperform | £169.20M | 15.82 | 59.02% | 5.98% | 17.88% | 28.90% | |
65 Neutral | £11.06B | 37.96 | 6.51% | 1.68% | -3.59% | 15.83% | |
63 Neutral | $10.79B | 15.43 | 7.44% | 2.01% | 2.89% | -14.66% | |
54 Neutral | £359.95M | 276.53 | 0.58% | 2.31% | 10.68% | -89.58% | |
40 Underperform | £2.80M | -0.45 | -2189.00% | ― | -98.68% | -75.81% |
* Industrials Sector Average
GB:CPP
CPP Group plc
30.50
-92.00
-75.10%
GB:RTO
Rentokil Initial
440.00
103.04
30.58%
GB:RST
Restore
271.00
11.58
4.46%
GB:SRP
Serco Group plc
224.60
15.74
7.54%
GB:KEYS
Keystone Law Group Plc
538.00
-54.73
-9.23%
CPP Group plc Corporate Events
Business Operations and StrategyExecutive/Board ChangesStock BuybackShareholder Meetings
CPP Group shareholders back all AGM resolutions, with notable dissent on share issuance powers
Positive
Jun 30, 2026
CPP Group reported that all resolutions were passed at its Annual General Meeting held in London on 30 June 2026, confirming shareholder approval for the company’s governance and financial reporting for the year ended 31 December 2025. Share...
Business Operations and StrategyDelistings and Listing ChangesFinancial DisclosuresPrivate Placements and FinancingShareholder Meetings
CPP Group to Delist from AIM and Raise £5m to Support Blink Parametric
Negative
Jun 24, 2026
CPP Group plc, the UK-listed insurance and InsurTech group behind the Blink Parametric platform, has reshaped its portfolio by exiting legacy international units in Turkey and India to focus on Blink as its sole trading and growth engine. The busi...
Financial DisclosuresShareholder Meetings
CPP Group Publishes 2025 Annual Report and Sets Date for AGM
Neutral
Jun 5, 2026
CPP Group Plc has distributed its Annual Report and Accounts for the year ended 31 December 2025 to shareholders, along with the notice of its upcoming Annual General Meeting. The AGM will be held on 30 June 2026 at the company’s offices in ...
Business Operations and StrategyFinancial DisclosuresM&A TransactionsPrivate Placements and Financing
CPP Group doubles down on Blink as funding talks intensify after India cash shortfall
Negative
Jun 2, 2026
CPP Group has completed the disposals of its Turkey and India businesses, effectively exiting legacy international operations and repositioning itself as a pure-play parametric InsurTech built around its Blink platform. Blink, which now serves as ...
Business Operations and StrategyRegulatory Filings and Compliance
CPPGroup closes 2016 LTIP with final block listing return
Neutral
Apr 22, 2026
CPPGroup plc has confirmed that all outstanding options under its 2016 Long Term Incentive Plan have either been exercised or have lapsed, leaving 1,301 ordinary shares that were blocklisted but will no longer be allotted under this scheme. The co...
Business Operations and StrategyFinancial DisclosuresM&A TransactionsPrivate Placements and Financing
CPP Group weighs Blink sale and seeks funding as cash runway tightens
Negative
Apr 10, 2026
CPP Group has launched a strategic review of Blink Parametric, its fast-growing digital InsurTech arm, and is actively pursuing a potential sale after receiving expressions of interest from industry players. Blink, which delivers automated real-ti...
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.