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PensionBee Group PLC
(LSE:PBEE)
Select Model
Select Model
Rating:58Neutral
Price Target:
137.00 p
▲(9.60% Upside)
Action:Reiterated
Date:08/07/26
Overall score reflects a strong balance sheet and solid revenue growth, but is held back by still-negative profitability, a 2025 return to cash burn, and uncertainty in the latest gross margin data. Technicals are supportive (price above key moving averages), though overbought indicators raise near-term risk, while valuation remains challenged due to losses and no dividend data.
Positive Factors
Strong Revenue Growth
Sustained revenue expansion indicates continued customer demand and increasing platform scale. Because PensionBee earns recurring fees linked to assets under management, growth in customers and pension assets can support durable revenue development.
Negative Factors
Continued Operating Losses
Despite improving losses, the core business has not yet demonstrated sustained operating profitability. Continued negative EBIT and EBITDA constrain internally generated funding and leave results dependent on further scale, cost control, and successful customer growth.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Revenue Growth
Sustained revenue expansion indicates continued customer demand and increasing platform scale. Because PensionBee earns recurring fees linked to assets under management, growth in customers and pension assets can support durable revenue development.
Read all positive factors
PensionBee Group PLC (PBEE) vs. iShares MSCI United Kingdom ETF (EWC)
Market Cap
£321.27M
Dividend YieldN/A
Average Volume (3M)89.92K
Price to Earnings (P/E)31.2
Beta (1Y)1.01
Revenue Growth36.77%
EPS GrowthN/A
CountryUK
Employees195
SectorFinancial
Sector Strength70
IndustryFinancial - Capital Markets
Share Statistics
EPS (TTM)0.04
Shares Outstanding238,861,600
10 Day Avg. Volume204,576
30 Day Avg. Volume89,924
Financial Highlights & Ratios
PEG Ratio10.35
Price to Book (P/B)10.66
Price to Sales (P/S)9.02
P/FCF Ratio-218.26
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
£525.50Price Target Upside320.40% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering4
EPS Forecast (FY)<0.01
Revenue Forecast (FY)£54.57M
PensionBee Group PLC Business Overview & Revenue Model
Company Description
PensionBee Group plc is a London-based direct-to-consumer fintech firm, established in 2014, specializing in online pension management for individuals across the United Kingdom. Through its proprietary digital platform, clients are empowered to co...
How the Company Makes Money
PensionBee primarily makes money by charging fees linked to assets under management (AUM) in its pension plans. Customers who consolidate or open pensions with PensionBee select an investment plan, and PensionBee earns an ongoing management fee th...
PensionBee Group PLC Financial Statement Overview
Summary
Income Statement
44
Neutral
Balance Sheet
78
Positive
Cash Flow
52
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 50.18M | 42.61M | 33.20M | 23.82M | 17.66M | 12.75M |
| Gross Profit | 59.22M | 42.25M | 22.09M | 13.02M | 9.29M | 6.28M |
| EBITDA | -6.84M | -7.47M | -2.86M | -10.39M | -22.10M | -23.31M |
| Net Income | 10.42M | -2.85M | -3.14M | -10.57M | -22.15M | -24.63M |
Balance Sheet | ||||||
| Total Assets | 52.07M | 40.25M | 41.27M | 17.43M | 25.64M | 47.51M |
| Cash, Cash Equivalents and Short-Term Investments | 31.27M | 32.62M | 34.99M | 12.21M | 21.32M | 43.52M |
| Total Debt | 35.00K | 125.00K | 292.00K | 398.00K | 551.00K | 657.00K |
| Total Liabilities | 5.54M | 4.20M | 6.92M | 2.28M | 2.11M | 3.73M |
| Stockholders Equity | 46.53M | 36.05M | 34.35M | 15.14M | 23.53M | 43.78M |
Cash Flow | ||||||
| Free Cash Flow | -2.74M | -1.76M | 3.90M | -8.92M | -22.05M | -19.71M |
| Operating Cash Flow | -2.58M | -1.58M | 4.02M | -8.82M | -21.68M | -19.64M |
| Investing Cash Flow | -163.00K | -543.00K | -384.00K | -96.00K | -367.00K | -75.00K |
| Financing Cash Flow | -184.00K | -180.00K | 19.11M | -186.00K | -151.00K | 56.49M |
PensionBee Group PLC Technical Analysis
Positive
125.00
Price Trends
130.56
Positive
136.22
Positive
146.31
Negative
Market Momentum
0.68
Positive
53.37
Neutral
52.31
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:PBEE, the sentiment is Positive. The current price of 125 is below the 20-day moving average (MA) of 136.50, below the 50-day MA of 130.56, and below the 200-day MA of 146.31, indicating a neutral trend. The MACD of 0.68 indicates Positive momentum. The RSI at 53.37 is Neutral, neither overbought nor oversold. The STOCH value of 52.31 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GB:PBEE.
PensionBee Group PLC Peers Comparison
UnderperformOutperform
Sector (68)
GB:PBEE
PensionBee Group PLC
136.50
-29.50
-17.77%
GB:MONY
Moneysupermarket.com
206.20
21.28
11.51%
PensionBee Group PLC Corporate Events
Business Operations and StrategyFinancial Disclosures
PensionBee posts 40% revenue surge as assets and customer base grow
Positive
Aug 13, 2026
PensionBee reported strong interim results for the first half of 2026, with invested customers up 14% to 327,000 and assets under administration climbing 37% to £8.6bn, supported by record UK brand awareness and high customer retention above ...
Business Operations and StrategyRegulatory Filings and Compliance
PensionBee Updates Share Capital and Voting Rights After New Issuance
Neutral
Jul 31, 2026
PensionBee Group PLC has modestly increased its share capital, issuing 1,008 new ordinary shares under its Omnibus Plan during July, taking the total number of shares and voting rights to 238,861,602. The company holds no shares in treasury, and i...
Business Operations and StrategyFinancial Disclosures
PensionBee Delivers Strong Q2 Growth and Turns Profitable as UK and U.S. Expansion Accelerates
Positive
Jul 22, 2026
PensionBee reported another quarter of strong growth in Q2 2026, with its invested customer base up 14% year-on-year to 327,000 and Assets under Administration rising 37% to £8.6bn on the back of robust net flows and retention. Revenue grew 4...
Business Operations and StrategyRegulatory Filings and Compliance
PensionBee Updates Share Capital and Voting Rights After Omnibus Plan Issuance
Neutral
Jun 30, 2026
PensionBee Group plc has expanded its issued share capital through the allocation of 198,363 new ordinary shares under its Omnibus Plan between 30 May and 30 June 2026, reflecting ongoing use of equity-based incentives. The shares have been admitt...
Business Operations and StrategyExecutive/Board Changes
PensionBee grants nearly 1m share options to top executives under revised incentive plan
Neutral
Jun 23, 2026
PensionBee Group plc has awarded a total of 993,345 nominal-cost share options to its senior leadership under the company’s omnibus incentive plan, recently amended and extended with an Enterprise Management Incentive sub-plan. The options, ...
Business Operations and StrategyFinancial Disclosures
PensionBee schedules Q2 2026 results and investor webcast
Neutral
Jun 22, 2026
PensionBee Group plc, an online pension platform with a growing international footprint and a strong customer service reputation, offers digital pension consolidation and management, investing customers’ assets through some of the world̵...
Regulatory Filings and Compliance
PensionBee Updates Share Capital and Voting Rights After New Share Issue
Neutral
May 29, 2026
PensionBee Group plc, a UK-listed digital pension provider, offers online pension consolidation and management services, enabling customers to manage retirement savings via a single digital platform. The company works with large global investment ...
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.