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PensionBee Group PLC
(LSE:PBEE)
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Rating:58Neutral
Price Target:
133.00 p
▼(-8.28% Downside)
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 demand for PensionBee’s digital pension proposition and progress in scaling the platform. Ongoing growth can broaden the customer base, improve operating leverage over time, and support stronger future earnings if costs remain controlled.
Negative Factors
Profitability remains negative
PensionBee has not yet converted its revenue growth into operating profitability, limiting internally generated funding and leaving returns on shareholder capital negative. Continued losses could constrain investment capacity and make progress toward a self-sustaining business model more dependent on future execution.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong revenue growth
Sustained revenue expansion indicates continued demand for PensionBee’s digital pension proposition and progress in scaling the platform. Ongoing growth can broaden the customer base, improve operating leverage over time, and support stronger future earnings if costs remain controlled.
Read all positive factors
PensionBee Group PLC (PBEE) vs. iShares MSCI United Kingdom ETF (EWC)
Market Cap
£304.65M
Dividend YieldN/A
Average Volume (3M)55.97K
Price to Earnings (P/E)29.1
Beta (1Y)1.05
Revenue Growth36.77%
EPS GrowthN/A
CountryUK
Employees195
SectorFinancial
Sector Strength70
IndustryFinancial - Capital Markets
Share Statistics
EPS (TTM)0.04
Shares Outstanding238,943,340
10 Day Avg. Volume80,706
30 Day Avg. Volume55,965
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
£196.00Price Target Upside35.17% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)<0.01
Revenue Forecast (FY)£54.67M
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...
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 | -6.86M | -7.47M | -2.71M | -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
Neutral
145.00
Price Trends
132.19
Negative
131.56
Negative
140.60
Negative
Market Momentum
-2.42
Positive
48.65
Neutral
32.41
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:PBEE, the sentiment is Neutral. The current price of 145 is above the 20-day moving average (MA) of 127.28, above the 50-day MA of 132.19, and above the 200-day MA of 140.60, indicating a neutral trend. The MACD of -2.42 indicates Positive momentum. The RSI at 48.65 is Neutral, neither overbought nor oversold. The STOCH value of 32.41 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for GB:PBEE.
PensionBee Group PLC Peers Comparison
UnderperformOutperform
Sector (68)
GB:PBEE
PensionBee Group PLC
127.50
-27.50
-17.74%
GB:MONY
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197.30
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PensionBee Group PLC Corporate Events
Business Operations and StrategyFinancial Disclosures
PensionBee hits record £9bn in assets as UK profits fuel US expansion
Positive
Oct 21, 2026
PensionBee reported a strong third quarter, with assets under administration rising 29% year-on-year to a record £9bn and its invested customer base expanding to 337,000. Revenue grew more than 30% for the period, driving the group to profita...
Business Operations and StrategyRegulatory Filings and Compliance
PensionBee updates total voting rights after new share issuance
Neutral
Sep 30, 2026
PensionBee Group PLC has increased its issued share capital following the allotment of 72,305 new ordinary shares under its Omnibus Plan between 2 and 30 September 2026. As of 30 September, the company’s total issued share capital stands at ...
Business Operations and StrategyFinancial Disclosures
PensionBee sets date for Q3 2026 results and investor webcast
Neutral
Sep 21, 2026
PensionBee Group PLC will release its third-quarter 2026 results for the period ending 30 September on 21 October 2026, with the announcement available via its investor relations website. The timing underscores the company’s regular financia...
Private Placements and FinancingRegulatory Filings and Compliance
PensionBee updates share capital and voting rights after new share issue
Positive
Sep 1, 2026
PensionBee Group plc has modestly expanded its share capital by issuing 9,435 new ordinary shares under its Omnibus Plan, bringing the total number of shares in issue, and associated voting rights, to 238,871,037. The company holds no shares in tr...
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...
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.