PCI PAL (PCIP) AI Stock Analysis

• Market Cap: £34.41M
• Dividend Yield: N/A
• Average Volume (3M): 68.28K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.12
• Revenue Growth: 20.56%
• EPS Growth: 83.30%
• Country: UK
• Employees: 119
• Sector: Technology
• Sector Strength: 43
• Industry: Software - Infrastructure
• EPS (TTM): >-0.01
• Shares Outstanding: 72,442,590
• 10 Day Avg. Volume: 82,589
• 30 Day Avg. Volume: 68,281
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): 2.00
• Price to Cash Flow (P/CF): 89.30
• P/FCF Ratio: 0.00
• 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

PCI PAL's overall score reflects strong revenue growth and strategic partnerships, countered by negative equity and ongoing losses. Technical indicators highlight bearish sentiment, while insider confidence and strategic partnerships offer potential upside.

PCI PAL Business Overview & Revenue Model

Company Description

PCI Pal (PCIP) is a leading provider of secure payment solutions designed to safeguard sensitive payment card information and help organizations comply with Payment Card Industry Data Security Standards (PCI DSS). Operating primarily in the cloud, PCI Pal offers services that enable businesses to securely manage customer interactions involving payment data across various communication channels, including phone, chat, social media, email, and more. The company's core products include Agent Assist, IVR Payments, and Digital Payments, all of which facilitate secure and compliant transactions.

How the Company Makes Money

PCI Pal generates revenue through a subscription-based model where clients pay for access to its cloud-based secure payment solutions. The primary revenue streams include recurring subscription fees for its services such as Agent Assist, which helps call centers securely process payments, and IVR Payments, which allows customers to make payments through an interactive voice response system. Additionally, PCI Pal may earn revenue from one-time setup fees, professional services for implementation, and customer support. Partnerships with payment processors, telecommunications companies, and contact center software providers enhance PCI Pal's market reach and contribute to its revenue growth.

PCI PAL Financial Statement Overview

Summary

PCI PAL shows strong revenue growth and improved cash flow management, with a significant positive shift in operating cash flow. However, the persistence of net losses and negative equity indicates underlying financial instability, particularly in profitability and balance sheet health.

Income Statement

PCI PAL has demonstrated impressive revenue growth, notably a 20.17% increase from 2023 to 2024. The gross profit margin is robust at 89.20% in 2024, indicating strong cost management. However, the company continues to incur net losses, with a net profit margin of -6.56% in 2024, suggesting the need for improved profitability.

Balance Sheet

The balance sheet reveals a concerning negative stockholders' equity of -$1.97 million in 2024, indicating financial instability. The equity ratio is negative, highlighting a potential risk of insolvency. The company has minimal debt, which is advantageous, but the negative equity presents a significant risk factor.

Cash Flow

PCI PAL has significantly improved its operating cash flow, moving from a deficit to a positive $1.83 million in 2024. The free cash flow, although negative, has improved substantially. The operating cash flow to net income ratio is positive, indicating efficient cash flow management relative to net income.

Breakdown
Jun 2024	Jun 2023	Jun 2022	Jun 2021	Jun 2020
Income Statement		Total Revenue
17.96M	14.95M	11.94M	7.36M	4.40M
	Gross Profit
16.02M	11.94M	9.04M	4.82M	2.50M
	EBIT
-1.66M	-2.54M	-3.10M	-3.41M	-4.20M
	EBITDA
-248.00K	-3.69M	-2.12M	-3.26M	-3.68M
	Net Income Common Stockholders
-1.18M	-4.89M	-2.94M	-4.04M	-4.13M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
4.33M	1.17M	4.89M	7.52M	4.30M
	Total Assets
15.52M	11.51M	12.95M	13.69M	9.25M
	Total Debt
23.00K	67.00K	109.00K	15.00K	1.32M
	Net Debt
-4.31M	-1.10M	-4.78M	-7.50M	-2.98M
	Total Liabilities
17.49M	15.62M	12.77M	9.76M	7.34M
	Stockholders Equity
-1.97M	-4.11M	185.00K	3.93M	1.91M
Cash Flow		Free Cash Flow
-235.00K	-3.68M	-2.63M	-762.00K	-3.00M
	Operating Cash Flow
1.83M	-2.02M	-1.36M	198.00K	-1.66M
	Investing Cash Flow
-2.03M	-1.66M	-1.27M	-960.00K	-1.33M
	Financing Cash Flow
3.37M	-42.00K	5.00K	3.98M	5.81M

PCI PAL Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 47.50
• 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 47.5 is below the 20-day moving average (MA) of 52.20, below the 50-day MA of 61.82, and below the 200-day MA of 61.09, indicating a bearish trend. The MACD of -4.04 indicates Positive momentum. The RSI at 9.61 is Positive, neither overbought nor oversold. The STOCH value of 9.36 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
RNWH	73 Outperform	£524.02M	12.60	22.82%	2.87%	9.49%	-4.24%
DOTD	66 Neutral	£208.66M	18.43	11.66%	1.62%	11.38%	-8.44%
TRCS	63 Neutral	£112.16M	227.78	0.72%	0.65%	-1.22%	-92.99%
Sector *	57 Neutral	$20.89B	10.40	-13.99%	2.52%	4.47%	-23.34%
PCIP	56 Neutral	£34.41M	―		―	20.56%	83.30%

PCI PAL Corporate Events

PCI Pal Leadership Shows Confidence with Share Purchases

PCI Pal PLC, a global cloud provider of secure payment solutions, announced that its Non-Executive Chairman, Simon Wilson, and Non-Executive Director, Carolyn Rand, have purchased shares in the company. This move indicates confidence in the company’s future prospects and may positively impact stakeholder perception, as it reflects the leadership’s commitment to the company’s growth and stability.

PCI Pal and RingCentral Partner to Enhance Secure Payment Solutions

PCI Pal has announced a strategic partnership with RingCentral, a global provider of AI-powered cloud communications, to launch integrated products that enhance secure payment processing within RingCentral’s platform. This collaboration allows RingCentral customers in North America and Europe to handle payments securely across various channels, ensuring compliance with PCI DSS and improving customer experience. The integration supports businesses in optimizing remote and hybrid customer engagement strategies, reinforcing PCI Pal’s position as a leader in secure payment solutions.

PCI Pal CEO Increases Stake with Share Purchase

PCI Pal PLC announced that its CEO, James Barham, has purchased 33,851 ordinary shares of the company, increasing his beneficial interest to 260,152 shares, which represents 0.36% of the company’s total voting rights. This transaction, conducted on the London Stock Exchange’s AIM Market, signifies a vote of confidence in the company’s future prospects and may positively impact stakeholder perception and market positioning.

PCI Pal Reports Strong Interim Results with Revenue and Profit Growth

PCI Pal PLC reported a strong performance in its interim results for the six months ending December 31, 2024, with a 26% increase in revenue to £10.57 million and a significant rise in adjusted EBITDA to £0.95 million. The company achieved record new business sales and expanded its partner ecosystem, including a strategic partnership with RingCentral, Inc. Additionally, PCI Pal secured a large UK government contract renewal and continued to enhance its product offerings, including the development of in-app AI capabilities. The company is focused on expanding its international presence and exploring strategic M&A opportunities to complement its organic growth strategy.

PCI Pal to Announce Interim Results and Host Investor Presentation

PCI Pal, the global cloud provider of secure payment solutions, has announced its intention to release its interim results for the six months ending December 31, 2024, on March 4, 2025. The company will host an analyst briefing followed by an investor presentation to discuss the results and future prospects, offering stakeholders insight into the company’s ongoing strategic direction and market positioning.

PCI Pal Records Strong Growth in H1 2024

PCI Pal PLC announced a strong performance in the first half of 2024, achieving record new business with an Annual Contract Value exceeding £1.9 million. The company saw a 21% increase in Annual Recurring Revenue and a 26% rise in overall revenue year-on-year, reflecting the success of their strategy to expand in the global contact center market. The CEO expressed optimism about the company’s future, citing a robust sales pipeline and ongoing growth in the enterprise customer base.