PCI PAL (PCIP) AI Stock Analysis

• Market Cap: £32.24M
• Dividend Yield: N/A
• Average Volume (3M): 83.16K
• Price to Earnings (P/E): ―
• Beta (1Y): -0.04
• Revenue Growth: 17.23%
• EPS Growth: 29.17%
• Country: UK
• Employees: 126
• Sector: Technology
• Sector Strength: 88
• Industry: Software - Application
• EPS (TTM): >-0.01
• Shares Outstanding: 72,452,590
• 10 Day Avg. Volume: 44,156
• 30 Day Avg. Volume: 83,162
• PEG Ratio: -8.38
• Price to Book (P/B): -30.42
• Price to Sales (P/S): 1.58
• P/FCF Ratio: 32.13
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): <0.01
• Revenue Forecast (FY): £27.10M

• Rating: 56 Neutral
• Price Target: 46.00 p ▼(-11.54% Downside)
• Action: Reiterated
• Date: 12/07/25

Positive Factors

High Gross Margin

An 89.45% gross margin indicates a highly scalable, software-driven cost structure typical of tokenisation and secure capture solutions. Durable high gross margins support reinvestment in product and sales, and give flexibility to improve operating leverage over time.

Negative Factors

Negative Shareholders' Equity

Negative equity signals accumulated losses or capital structure strain and is a lasting solvency concern. It can limit borrowing capacity, increase refinancing risk, and force dilutive equity raises, constraining long-term strategic flexibility and investment capacity.

PCI PAL Business Overview & Revenue Model

Company Description

PCI-PAL PLC, through its subsidiaries, engages in the provision of payment card industry (PCI) compliance solutions and telephony services primarily in the United Kingdom, the United States, Canada, rest of Europe, and the Asia Pacific. It offers ...

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PCI-PAL PLC, through its subsidiaries, engages in the provision of payment card industry (PCI) compliance solutions and telephony services primarily in the United Kingdom, the United States, Canada, rest of Europe, and the Asia Pacific. It offers ...

How the Company Makes Money

PCI PAL primarily makes money by selling its payment security and compliance software as recurring subscriptions/licences, typically priced based on factors such as number of agents/seats, transaction volumes, channels enabled (e.g., voice/contact...

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PCI PAL primarily makes money by selling its payment security and compliance software as recurring subscriptions/licences, typically priced based on factors such as number of agents/seats, transaction volumes, channels enabled (e.g., voice/contact...

PCI PAL Financial Statement Overview

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	858.00K	-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

• Technical Analysis Sentiment: Negative
• Last Price: 52.00
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Positive
• STOCH: Positive

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 47.09, above the 50-day MA of 48.91, and above the 200-day MA of 51.27, indicating a bearish trend. The MACD of -1.22 indicates Positive momentum. The RSI at 18.21 is Positive, neither overbought nor oversold. The STOCH value of 17.78 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for GB:PCIP.

PCI PAL Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PAY	64 Neutral	£352.78M	9.05	45.78%	20.30%	8.46%	120.34%
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%
CNS	61 Neutral	£55.06M	-109.55	-3.99%	―	0.46%	-257.14%
PCIP	56 Neutral	£32.24M	-70.97	31.19%	―	17.23%	29.17%
SWG	50 Neutral	£8.82M	-0.74	―	―	―	―
CLCO	49 Neutral	£1.78M	0.33	―	―	―	―
SYS	46 Neutral	£15.07M	-6.23	-9.36%	―	-7.45%	78.23%

PCI PAL Corporate Events