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PensionBee Group PLC (GB:PBEE)
LSE:PBEE

PensionBee Group PLC (PBEE) AI Stock Analysis

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PensionBee Group PLC

(LSE:PBEE)

66Neutral
PensionBee Group PLC demonstrates strong revenue growth and a stable financial structure, which are significant strengths. However, challenges with profitability and high valuation are key risks. Mixed technical signals and positive corporate events, particularly the expansion into the US market, support a moderate overall score.

PensionBee Group PLC (PBEE) vs. S&P 500 (SPY)

PensionBee Group PLC Business Overview & Revenue Model

Company DescriptionPensionBee Group PLC (PBEE) is a UK-based financial technology company that specializes in pension management services. The company offers an online platform designed to simplify pension management for consumers by consolidating their various pension plans into a single, easily manageable online account. PensionBee's core services include pension consolidation, management, and investment options tailored to the needs of its clients, aimed at helping individuals achieve better financial outcomes for their retirement.
How the Company Makes MoneyPensionBee makes money primarily through management fees charged on the pension assets that it consolidates and manages for its clients. These fees are typically a percentage of the total assets under management (AUM) and are designed to cover the cost of the services provided, including administration, customer support, and investment management. The company may also earn revenue from partnerships with investment managers or financial service providers, which can include revenue sharing arrangements or referral fees. PensionBee's business model relies on attracting and retaining a large customer base to grow its AUM, which in turn increases its management fee income and overall revenue.

PensionBee Group PLC Financial Statement Overview

Summary
PensionBee Group PLC shows strong revenue growth of 39.44% and a solid equity foundation with minimal debt, highlighting long-term stability. However, profitability remains a challenge with negative earnings, and there's a need for improved cash flow management to achieve a more balanced financial position.
Income Statement
70
Positive
The company's revenue grew significantly by 39.44% in the latest year, indicating strong growth potential. However, the company remains unprofitable, with a negative net profit margin of -9.44% and a negative EBIT margin of -9.71%. Gross profit margin stands at 52.52%, showing a solid capacity to cover direct costs. Overall, while revenue growth is commendable, profitability remains a challenge.
Balance Sheet
75
Positive
The company has a strong equity position with an equity ratio of 83.23%, indicating a stable financial structure. The debt-to-equity ratio is very low at 0.01, which minimizes financial risk. However, the return on equity is negative due to ongoing losses, highlighting the need for improved profitability.
Cash Flow
65
Positive
The free cash flow has turned positive, showing a substantial improvement from previous losses. The operating cash flow to net income ratio is positive, suggesting effective cash management despite negative net income. However, the company needs to sustain positive cash flows to ensure financial health.
Breakdown
Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income StatementTotal Revenue
33.20M23.82M17.66M12.75M6.27M
Gross Profit
17.43M13.02M9.29M6.28M1.79M
EBIT
-3.22M-10.69M-21.69M-20.61M-12.83M
EBITDA
-2.86M-10.39M-22.10M-23.31M-13.23M
Net Income Common Stockholders
-3.14M-10.57M-22.15M-24.63M-13.26M
Balance SheetCash, Cash Equivalents and Short-Term Investments
34.99M12.21M21.32M43.52M6.74M
Total Assets
41.27M17.43M25.64M47.51M8.55M
Total Debt
292.00K398.00K551.00K657.00K109.00K
Net Debt
-34.70M-11.82M-20.77M-42.86M-6.63M
Total Liabilities
6.92M2.28M2.11M3.73M2.10M
Stockholders Equity
34.35M15.14M23.53M43.78M6.46M
Cash FlowFree Cash Flow
3.90M-8.92M-22.05M-19.71M-10.52M
Operating Cash Flow
4.02M-8.82M-21.68M-19.64M-10.44M
Investing Cash Flow
-384.00K-96.00K-367.00K-75.00K-75.00K
Financing Cash Flow
19.11M-186.00K-151.00K56.49M7.06M

PensionBee Group PLC Technical Analysis

Technical Analysis Sentiment
Negative
Last Price148.50
Price Trends
50DMA
150.24
Negative
100DMA
155.23
Negative
200DMA
160.45
Negative
Market Momentum
MACD
0.73
Positive
RSI
47.84
Neutral
STOCH
21.21
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:PBEE, the sentiment is Negative. The current price of 148.5 is below the 20-day moving average (MA) of 149.43, below the 50-day MA of 150.24, and below the 200-day MA of 160.45, indicating a bearish trend. The MACD of 0.73 indicates Positive momentum. The RSI at 47.84 is Neutral, neither overbought nor oversold. The STOCH value of 21.21 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for GB:PBEE.

PensionBee Group PLC Peers Comparison

Overall Rating
UnderperformOutperform
Sector (60)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
GBAJB
78
Outperform
£1.74B20.9645.56%2.92%23.46%23.33%
69
Neutral
£5.98B-60.34%8.90%-6.33%
66
Neutral
£351.61M-12.67%39.41%70.19%
GBSTJ
64
Neutral
£5.37B13.8735.30%1.79%36.14%
60
Neutral
$10.83B10.47-6.71%2.99%7.73%-12.97%
53
Neutral
£13.84B82.944.06%8.90%-21.56%-61.14%
* Technology Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
GB:PBEE
PensionBee Group PLC
149.00
4.00
2.76%
GB:LGEN
Legal & General
240.60
13.27
5.84%
GB:PHNX
Phoenix Group Holdings
613.00
141.10
29.90%
GB:AJB
AJ BELL PLC
436.60
88.58
25.45%
GB:STJ
St. James's Place
1,024.00
550.43
116.23%

PensionBee Group PLC Corporate Events

Regulatory Filings and Compliance
PensionBee Announces Total Voting Rights Update
Neutral
Apr 30, 2025

PensionBee Group plc announced its total voting rights as of 30 April 2025, with an issued share capital of 236,777,192 ordinary shares. This figure is crucial for shareholders to determine their interest in the company under the Financial Conduct Authority’s rules, impacting how they manage their investments and voting rights.

Spark’s Take on GB:PBEE Stock

According to Spark, TipRanks’ AI Analyst, GB:PBEE is a Neutral.

PensionBee Group PLC shows strong revenue growth and a solid equity position with minimal debt, enhancing its long-term stability. However, profitability challenges remain a concern, as indicated by negative earnings and a high valuation. Technical indicators provide mixed signals, with short-term momentum but potential overbought conditions. Recent strategic corporate events positively impact the stock outlook, highlighting growth milestones and expansion efforts.

To see Spark’s full report on GB:PBEE stock, click here.

Business Operations and StrategyFinancial Disclosures
PensionBee Reports Strong Q1 2025 Growth Amid Strategic Expansion
Positive
Apr 23, 2025

PensionBee Group PLC reported a strong financial performance for Q1 2025, with a 14% increase in invested customers and a 20% growth in assets under administration, reaching £5.8 billion. The company achieved a 23% rise in group revenue and improved its adjusted EBITDA margin, reflecting its robust business model and effective customer acquisition strategies. PensionBee continues to focus on expanding its customer base through strategic marketing and technological innovations, while its recent US expansion aims to capture a larger share of the retirement market. The company’s commitment to customer satisfaction is evident in its high retention rates and positive Trustpilot ratings, positioning it well for future growth.

Spark’s Take on GB:PBEE Stock

According to Spark, TipRanks’ AI Analyst, GB:PBEE is a Neutral.

PensionBee Group PLC shows strong revenue growth and a solid equity position with minimal debt, enhancing its long-term stability. However, profitability challenges remain a concern, as indicated by negative earnings and a high valuation. Technical indicators provide mixed signals, with short-term momentum but potential overbought conditions. Recent strategic corporate events positively impact the stock outlook, highlighting growth milestones and expansion efforts.

To see Spark’s full report on GB:PBEE stock, click here.

Shareholder MeetingsFinancial Disclosures
PensionBee Releases 2024 Financial Report and Announces 2025 AGM
Neutral
Apr 10, 2025

PensionBee Group PLC has published its Annual Report and Financial Statements for 2024, along with the notice for its 2025 Annual General Meeting. These documents are available on the National Storage Mechanism and the company’s website. The AGM is scheduled for May 15, 2025, in London, where shareholders will discuss resolutions outlined in the notice.

Spark’s Take on GB:PBEE Stock

According to Spark, TipRanks’ AI Analyst, GB:PBEE is a Neutral.

PensionBee Group PLC demonstrates robust revenue growth and a strong equity base, but profitability challenges and bearish technical indicators weigh down the overall score. Recent corporate events and strategic expansions provide a positive outlook, yet the stock’s valuation remains a concern due to negative earnings.

To see Spark’s full report on GB:PBEE stock, click here.

Regulatory Filings and Compliance
PensionBee Announces Share Capital and Voting Rights Update
Neutral
Mar 31, 2025

PensionBee Group PLC announced that as of 31 March 2025, its issued share capital consists of 236,558,261 ordinary shares, with no shares held in treasury. This figure is crucial for shareholders to determine their notification requirements under the Financial Conduct Authority’s rules. The announcement underscores PensionBee’s commitment to transparency and regulatory compliance, potentially impacting shareholder engagement and market perception.

Financial Disclosures
PensionBee to Announce Q1 2025 Results with Live Webcast
Neutral
Mar 21, 2025

PensionBee Group plc announced it will release its Q1 2025 financial results on 23 April 2025. The company will host a live webcast for analysts, investors, and the press, featuring CEO Romi Savova and CFO Christoph J. Martin. This announcement underscores PensionBee’s commitment to transparency and engagement with its stakeholders, reflecting its strong market position and dedication to customer service.

Executive/Board ChangesBusiness Operations and Strategy
PensionBee Grants Share Options to Key Executives
Positive
Mar 19, 2025

PensionBee Group PLC has announced the granting of 838,599 nominal-cost share options to key executives under the 2021 PensionBee Group plc Omnibus Plan. This move, involving CEO Romi Savova, CTO Jonathan Lister Parsons, and CFO Christoph J. Martin, is part of a strategic initiative to align management incentives with long-term company performance, potentially strengthening the company’s market position and stakeholder confidence.

Business Operations and StrategyRegulatory Filings and Compliance
PensionBee Group PLC Announces Change in Major Holdings
Neutral
Mar 19, 2025

PensionBee Group PLC has announced a change in major holdings, with Mudita Advisors LLP increasing its voting rights in the company. The acquisition of additional voting rights, now totaling 12.04%, signifies a strategic move by Mudita Advisors LLP, potentially impacting PensionBee’s governance and future strategic decisions.

Business Operations and StrategyFinancial Disclosures
PensionBee Achieves Strong 2024 Results and Expands into US Market
Positive
Mar 12, 2025

PensionBee Group plc reported strong financial results for 2024, achieving a 34% increase in Assets under Administration to £5.8 billion and a 39% rise in revenue to £33.2 million. The company reached Adjusted EBITDA breakeven, marking a significant milestone, and narrowed its loss before tax by 71% to £3.1 million. PensionBee expanded its operations into the US, laying the groundwork for future growth through partnerships and product launches. The company aims to continue its growth trajectory by increasing marketing expenditure and enhancing customer experience in 2025.

Regulatory Filings and Compliance
PensionBee Announces Total Voting Rights Update
Neutral
Feb 28, 2025

PensionBee Group plc announced that as of February 28, 2025, its issued share capital consists of 236,493,873 ordinary shares, with no shares held in treasury. This figure is significant for shareholders as it determines the number of voting rights and is crucial for compliance with the Financial Conduct Authority’s rules. This update reflects PensionBee’s transparency and regulatory compliance, reinforcing its position in the market and providing stakeholders with essential information for their investment decisions.

Financial Disclosures
PensionBee to Announce 2024 Full Year Results
Neutral
Feb 12, 2025

PensionBee Group plc has announced that it will release its Full Year Results for 2024 on March 12, 2025. The results will be published after market close, and a live webcast will be hosted by the company’s CEO and CFO for analysts, investors, and the press. This announcement signifies PensionBee’s commitment to transparency and engagement with its stakeholders, emphasizing its focus on maintaining high standards as a public company.

Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.

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.