Major Estimate Revision • Jul 29
Consensus estimates of losses per share improve by 27% The consensus outlook for earnings per share (EPS) in fiscal year 2026 has improved. 2026 revenue forecast increased from UK£23.7m to UK£24.4m. EPS estimate increased from -UK£0.019 per share to -UK£0.014 per share. Diversified Financial industry in the United Kingdom expected to see average net income growth of 14% next year. Consensus price target of UK£1.20 unchanged from last update. Share price rose 16% to UK£0.51 over the past week. Ankündigung • Jul 28
PCI-PAL PLC Provides Earnings Guidance for the Financial Year Ended 30 June 2026 PCI-PAL PLC provided earnings guidance for the financial year ended 30 June 2026. For the period, the company expects revenue to be ahead of current market consensus and is estimated to have increased 9% year on year to £24.6 million, or approximately 14% on a constant currency and comparable basis. Ankündigung • Jun 23
PCI Pal Introduces Passkey Customer Authentication Capability PCI Pal introduced passkey customer authentication that will enable organizations to establish verified customer identity at the start of every interaction. The new capability complements PCI Pal’s existing payment security solutions, extending protection to the identity verification stage of the customer journey and helping to reduce fraud risk and friction for both customers and agents. It enables businesses to establish trusted identity before sensitive conversations take place and maintain security throughout the customer journey, including the payment moment. By replacing vulnerable knowledge-based authentication (KBA) methods, such as security questions and PINs, with passkey authentication, organizations can address a common vulnerability in the customer engagement security chain. Authentication is triggered during calls, chats, or other digital sessions, with identity confirmed before human agents, AI agents, or automated systems proceed with sensitive requests or payments. Using biometrics or device-bound credentials, customers verify their identity in seconds - without passwords, shared secrets, or reset delays - reducing friction while strengthening security from the start of each interaction. Delivered through a unified architecture and single API framework, the capability integrates into both agent-assisted and automated systems including IVR and conversational AI bots. It provides a common authentication layer that can be consumed consistently across human and AI-led journeys, helping organizations reduce fraud risk, improve customer experience, and protect downstream interactions including payments. Buy Or Sell Opportunity • May 06
Now 21% undervalued after recent price drop Over the last 90 days, the stock has fallen 12% to UK£0.50. The fair value is estimated to be UK£0.63, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 19% over the last 3 years. Earnings per share has grown by 87%. Revenue is forecast to grow by 9.7% in a year. Earnings are forecast to decline by 55% in the next year. Ankündigung • Apr 15
PCI Pal Strengthens Healthcare Ecosystem Support with HIPAA-Aligned Security Framework PCI Pal® reinforced its support for the healthcare sector with alignment to HIPAA requirements, further extending a security framework already trusted by organizations operating in highly regulated environments. Rather than a standalone milestone, adherence to HIPAA requirements builds on PCI Pal’s established, enterprise-grade security architecture, underpinned by SOC 2 Type II and HITRUST assurance, and brings additional alignment to the specific requirements of healthcare ecosystems. In practice, this is about more than meeting a regulatory standard. As healthcare organizations modernize patient engagement, the challenge is no longer just securing individual systems, but ensuring sensitive data remains protected as it moves across increasingly complex, integrated environments. From contact centers and digital channels to conversational AI and electronic health record (EHR) platforms, patient interactions span multiple technologies, each introducing potential risk. PCI Pal’s platform is designed to secure these engagements end-to-end, enabling compliant payment experiences to be embedded directly within real-world clinical and administrative workflows. This is particularly important as payments and patient data converge. While many organizations assume compliance across their technology stack, gaps can often emerge at integration points, especially where payment processes intersect with systems handling protected health information (PHI). PCI Pal addresses this challenge directly, providing a secure layer that ensures sensitive data is handled appropriately across the entire interaction journey. For partners, the impact is immediate. Healthcare remains a high growth but complex vertical, where compliance requirements can slow adoption and extend sales cycles. PCI Pal’s HIPAA-aligned approach gives partners the confidence to deploy integrated solutions into healthcare environments more efficiently, reducing friction in procurement and enabling expansion into compliance-sensitive use cases. As healthcare organizations continue to evolve their digital strategies, the focus is shifting from individual compliance checkpoints to consistent, end-to-end assurance across interconnected systems. PCI Pal’s approach reflects that shift, delivering security that is embedded, scalable, and designed for the realities of modern healthcare environments. Reported Earnings • Mar 09
First half 2026 earnings released: UK£0.011 loss per share (vs UK£0.004 loss in 1H 2025) First half 2026 results: UK£0.011 loss per share (further deteriorated from UK£0.004 loss in 1H 2025). Revenue: UK£11.3m (up 6.9% from 1H 2025). Net loss: UK£820.0k (loss widened 185% from 1H 2025). Revenue is forecast to grow 11% p.a. on average during the next 2 years, compared to a 8.2% growth forecast for the Diversified Financial industry in the United Kingdom. Over the last 3 years on average, earnings per share has increased by 87% per year but the company’s share price has only increased by 7% per year, which means it is significantly lagging earnings growth. New Risk • Mar 04
New minor risk - Profitability The company is currently unprofitable and not forecast to become profitable over the next year. Trailing 12-month net loss: UK£491k Forecast net loss in 1 year: UK£796k This is considered a minor risk. Companies that are not profitable are more likely to be burning through cash and less likely to be well established. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. Without profits, the company is under pressure to grow significantly while potentially having to reduce costs and possibly needing to take on debt or raise capital to remain afloat. Currently, the following risks have been identified for the company: Major Risk Negative equity (-UK£2.0m). Minor Risks Currently unprofitable and not forecast to become profitable next year (UK£796k net loss next year). Market cap is less than US$100m (UK£41.3m market cap, or US$55.0m). Ankündigung • Feb 17
PCI-PAL PLC to Report First Half, 2026 Results on Mar 03, 2026 PCI-PAL PLC announced that they will report first half, 2026 results on Mar 03, 2026 Ankündigung • Dec 11
PCI Pal Announces Accelerated Development of Model Context Protocol (MCP) Support to Enable Smarter Conversational AI Product Integrations PCI Pal announced its accelerated development plans for Model Context Protocol (MCP) for Conversational AI services. This advancement, expected to be fully available in the coming months, strengthens PCI Pal's position as the preferred partner to communications providers seeking to secure conversations and payments across any communications channel. MCP is an open-source standard that defines a universal method for AI models, including large language models and agentic AI systems, to connect with external data sources, tools, and third-party services. As the volume of AI-driven customer engagement increases, enterprises and communications providers face a critical challenge: how to empower autonomous systems to complete sensitive actions, such as taking payments, verifying identity, or authenticating customers, securely, compliantly, all without disrupting the customer experience. Achieving this requires seamless integration into existing conversational workflows while preserving the highest levels of compliance, trust, and service quality. PCI Pal's MCP capabilities are designed to reduce deployment friction across automated conversational channels. Through a single, MCP-aligned integration partners will be able to embed PCI Pal's secure payment and customer interaction workflows consistently across voice bots and chat bots without custom development for each new experience. With the majority of PCI Pal's customers serviced via its extensive partner ecosystem, PCI Pal's approach is actively vendor-agnostic, enabling partners and customers to innovate without the constraints of proprietary AI ecosystems. This stands in contrast to other market offerings that rely on tight coupling with a single AI platform, creating vendor lock-in and limiting the pace of customer-experience innovation. By remaining vendor agnostic, PCI Pal ensures that enterprises can access critical payment and security capabilities whenever and wherever they need them, while retaining full freedom over which conversational AI systems they choose to adopt. This commitment to openness is central to PCI Pal's technology strategy and reinforces its role as the leading provider of secure, compliant, multi-channel payment solutions in modern CX environments. Ankündigung • Nov 19
PCI Pal Expands Its Healthcare Payments Capabilities with the New PCI Pal Connector PCI Pal is expanding its healthcare payments capabilities with the new PCI Pal Connector, a secure integration that brings PCI compliant, omnichannel payments directly into Epic — one of the world’s leading Electronic Health Record (EHR) systems. This new capability enables healthcare providers to process payments securely across any channel, without exposing sensitive data to agents or internal systems. With the PCI Pal Connector, organizations can now take payments safely and compliantly within the Epic workflows their teams use every day, supporting patient billing, registration, and follow-up processes. PCI Pal (LON: PCIP), the global provider of cloud-based secure payment solutions, is expanding its healthcare payments capabilities with the new PCI Pal Connector, a secure integration that brings PCI compliant, omnichannel payments directly into Epic — one of the world’s leading Electronic Health Record (EHR) systems. This new capability enables healthcare providers to process payments securely across any channel, without exposing sensitive data to agents or internal systems. With the PCI Pal Connector, organizations can now take payments safely and compliantly within the Epic workflows their teams use every day, supporting patient billing, registration, and follow-up processes. PCI Pal’s secure payment solution is now live with Epic customers and is listed in the Epic Connection Hub, allowing Epic customers to discover and deploy the integration easily. Ankündigung • Nov 08
PCI-PAL PLC, Annual General Meeting, Dec 01, 2025 PCI-PAL PLC, Annual General Meeting, Dec 01, 2025. Location: the offices of ashurst, london fruit and wool exchange, 1 duval street, e1 6pw, london United Kingdom Ankündigung • Oct 01
PCI Pal Launches Enhanced Data Analytics PCI Pal announced the release of PCI PalAnalytics, a major upgrade to its reporting and analytics capabilities. The new solution gives organizations the visibility they need to make faster, data-driven decisions across contact center operations. With PCI Pal Analytics, contact center leaders gain intuitive dashboards and automated reporting tools that transform payment and customer interaction data into actionable insights. Up-to-date visibility into payments, customer experience, and performance metrics--combined with scheduled reporting--keeps stakeholders informed, aligned, and ready to act with confidence. By combining refreshed dashboards with automated reporting, PCI Pal enables contact centers to: Streamline operations through consistent visibility into key performance indicators; Coach and empower teams with data-driven insights; Enhance customer experiences by quickly identifying trends and opportunities to optimize performance. PCI Pal Analytics is available across the entire PCI Pal platform, working seamlessly with all products to provide a single source of truth for customers' payment and interaction data. This ensures every organization has clear, consistent insights to drive efficiency, compliance, and customer satisfaction. Ankündigung • Sep 25
PCI Pal Announces Appointment of Royston Ballard as Chief Information Security Officer PCI Pal announced that Royston Ballard has joined the company as Chief Information Security Officer (CISO). Following a transition period, Royston succeeds PCI Pal’s long-serving previous CISO, Geoff Forsyth, who is retiring after a highly successful career in technology, CX and information security. With more than 20 years of cybersecurity experience, including over a decade in senior leadership, Royston Ballard brings a wealth of expertise in building resilient and highly secure organizations across sectors including FinTech, Corporate Banking, Media, and Entertainment. Royston will be responsible for PCI Pal’s global cybersecurity and compliance strategies and execution, including risk management, regulatory compliance, PCI DSS, human-centric security, and cyber resilience. He will also be responsible for driving secure AI and automation adoption across PCI Pal in support of the Company’s ongoing rapid growth. Reported Earnings • Sep 10
Full year 2025 earnings: EPS misses analyst expectations Full year 2025 results: EPS: UK£0.001 (up from UK£0.017 loss in FY 2024). Revenue: UK£22.5m (up 25% from FY 2024). Net income: UK£41.0k (up UK£1.22m from FY 2024). Profit margin: 0.2% (up from net loss in FY 2024). The move to profitability was driven by higher revenue. Revenue was in line with analyst estimates. Earnings per share (EPS) missed analyst estimates by 62%. Revenue is forecast to grow 9.5% p.a. on average during the next 2 years, compared to a 19% decline forecast for the Diversified Financial industry in the United Kingdom. Over the last 3 years on average, earnings per share has increased by 59% per year but the company’s share price has fallen by 3% per year, which means it is significantly lagging earnings. Ankündigung • Sep 09
PCI Pal Appoints Kathy Varney as Chief Marketing Officer PCI Pal announced the appointment of Kathy Varney as its new Chief Marketing Officer (CMO). Kathy brings more than two decades of leadership in global marketing, with a proven track record of scaling B2B technology brands and enabling partner-led growth. With deep expertise in strategic marketing, demand generation, and customer experience transformation, Kathy has led high-performing teams across international markets. Prior to joining PCI Pal, Kathy served as Chief Marketing Officer at Holon Solutions, a healthcare AI technology company; led Global Brand Marketing for LogMeIn (now GoTo), a $1.3 Billion software services provider; and was Senior Vice President of Marketing at Blue Cross Blue Shield of Massachusetts, serving on the Executive Management Team. Ankündigung • Aug 19
PCI-PAL PLC to Report Fiscal Year 2025 Results on Sep 09, 2025 PCI-PAL PLC announced that they will report fiscal year 2025 results on Sep 09, 2025 Breakeven Date Change • Jul 30
No longer forecast to breakeven The 2 analysts covering PCI-PAL no longer expect the company to break even during the foreseeable future. The company was expected to make a profit of UK£100.0k in 2026. New consensus forecast suggests the company will make a loss of UK£1.40m in 2026. New Risk • Jul 29
New major risk - Revenue and earnings growth Earnings are forecast to decline by an average of 39% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risks Negative equity (-UK£2.0m). Earnings are forecast to decline by an average of 39% per year for the foreseeable future. Minor Risks Currently unprofitable and not forecast to become profitable over next 2 years (UK£946k net loss in 2 years). Market cap is less than US$100m (UK£31.9m market cap, or US$42.6m). Board Change • Jul 03
Less than half of directors are independent Following Non-Executive Director Andy Lockwood's arrival on 01 July 2025, there are only 2 independent directors on the board. The company's board is composed of: 2 independent directors. 3 non-independent directors. Independent Non-Executive Director Carolyn Rand was the last independent director to join the board, commencing their role in 2022. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model. Ankündigung • Jul 02
PCI-PAL PLC Announces Board Changes PCI-PAL PLC announced the following changes to its board of Directors. The Company announced the appointment of Andrew Lockwood as Non-Executive Director, with immediate effect. In addition, Andrew will assume the role of Chair of the Remuneration Committee. Andrew has over 30 years' experience of leading and growing technology, telecommunications and healthcare businesses. These roles have included leadership positions at BT, Capita plc, and Daisy Communications plc in the UK, as well as substantial exposure to international markets including extensive time spent working in the United States at Inktomi Corp', and Covad Communications. Most recently Andrew held the role of CEO at KFM, a provider of technology enabled healthcare support services. He is currently a Non-Executive Director and Chair of the Remuneration Committee at Synectics plc, an AIM-listed provider of advanced security and surveillance software solutions. As previously announced, Jason Starr has served his nine-year term as a Non-Executive Director of the Company and, following Andrew's appointment, Jason will step down and retire from the Board after a short period of transitional assistance. Current Directorships: Synectics plc. Directorships held in past 5 years: Bridgewalk Heights No. 31 Management Company Limited. Breakeven Date Change • Jun 30
Forecast to breakeven in 2026 The analyst covering PCI-PAL expects the company to break even for the first time. New forecast suggests the company will make a profit of UK£100.0k in 2026. Average annual earnings growth of 142% is required to achieve expected profit on schedule. Ankündigung • Feb 18
PCI-PAL PLC to Report First Half, 2025 Results on Mar 04, 2025 PCI-PAL PLC announced that they will report first half, 2025 results on Mar 04, 2025 Ankündigung • Nov 16
PCI-PAL PLC, Annual General Meeting, Dec 11, 2024 PCI-PAL PLC, Annual General Meeting, Dec 11, 2024. Location: the offices of ashurst, london fruit and wool exchange, 1 duval square, e1 6pw, london United Kingdom Reported Earnings • Oct 23
Full year 2024 earnings: EPS exceeds analyst expectations Full year 2024 results: UK£0.017 loss per share (improved from UK£0.075 loss in FY 2023). Revenue: UK£18.0m (up 20% from FY 2023). Net loss: UK£1.18m (loss narrowed 76% from FY 2023). Revenue was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 36%. Revenue is forecast to grow 17% p.a. on average during the next 2 years, compared to a 16% decline forecast for the Diversified Financial industry in the United Kingdom. Over the last 3 years on average, earnings per share has increased by 9% per year but the company’s share price has fallen by 6% per year, which means it is significantly lagging earnings. Ankündigung • Sep 19
PCI-PAL PLC Reiterates Earnings Guidance for the Fiscal Year 2024 PCI-PAL PLC reiterated earnings guidance for the fiscal year 2024. The Company reiterates the guidance given for FY24 in its trading update of 28 August 2024, being revenues of approximately £18 million. New Risk • Sep 15
New minor risk - Financial data availability The company's latest financial reports are more than 6 months old. Last reported fiscal period ended December 2023. This is considered a minor risk. If the company has not reported its earnings on time, it may have been delayed due to audit problems or it may be finding it difficult to reconcile its accounts. Currently, the following risks have been identified for the company: Major Risk Negative equity (-UK£4.7m). Minor Risks Latest financial reports are more than 6 months old (reported December 2023 fiscal period end). Currently unprofitable and not forecast to become profitable next year (UK£842k net loss next year). Shareholders have been diluted in the past year (11% increase in shares outstanding). Market cap is less than US$100m (UK£39.8m market cap, or US$52.3m). New Risk • Aug 15
New minor risk - Share price stability The company's share price has been volatile over the past 3 months. It is more volatile than 75% of British stocks, typically moving 6.9% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risk Negative equity (-UK£4.7m). Minor Risks Currently unprofitable and not forecast to become profitable next year (UK£798k net loss next year). Share price has been volatile over the past 3 months (6.9% average weekly change). Shareholders have been diluted in the past year (11% increase in shares outstanding). Market cap is less than US$100m (UK£41.3m market cap, or US$53.1m). Recent Insider Transactions Derivative • Jul 05
CFO, Secretary & Executive Director exercised options and sold UK£90k worth of stock On the 1st of July, Thomas Good exercised 300k options at a strike price of around UK£0.33 and sold these shares for an average price of UK£0.63 per share. This trade did not impact their existing holding. Since September 2023, Thomas' direct individual holding has increased from 401.05k shares to 651.05k. Company insiders have collectively bought UK£50k more than they sold, via options and on-market transactions, in the last 12 months. Ankündigung • Jul 01
PCI-PAL PLC Appoints Ryan Murray as Chief Financial Officer, Effective 14 October 2024 PCI-PAL PLC announced the appointment of its new Chief Financial Officer ("CFO"). Ryan Murray will join PCI Pal as Chief Financial Officer with effect from 14 October 2024. Mr. Murray has over 23 years' accountancy and financial experience in both industry and public practice, including substantial time working in the technology sector. He is joining PCI Pal from AIM listed FD Technologies plc where he has been employed in a number of senior finance positions over the last 14 years. His roles have included Head of Corporate Finance, Chief Financial Officer of KX (FD Technologies software division), and Group Financial Controller. He has extensive financial, commercial, M&A, and Tax experience during periods of fast growth. As announced on 27 February 2024, William Good has remained with the Company as a Director to ensure a smooth transition before his retirement from the Board. The Company now expects that retirement to be effective from 15 July 2024. In the intervening period, until Mr. Murray joins, the Company's Group Financial Controller, Angus Reger, will move into the position of Interim Chief Financial Officer and will be supported by the combined financial experience of the existing Board members. Ankündigung • Jun 27
PCI-PAL PLC Reaches Confidential Settlement in Patent Litigation with Sycurio, Ending Legal Proceedings in the UK and US PCI-PAL PLC has reached a confidential settlement with its competitor, Sycurio, resolving the patent litigation that has been ongoing since September 2021. This settlement brings an end to all legal proceedings in both the UK and US. PCI Pal had a resounding victory in the High Court of England & Wales, followed by a decision by the Court of Appeal, which found that Sycurio's UK patent is invalid and not infringed by PCI Pal. Ankündigung • Jun 06
Pci-Pal plc Provides Further Details Following Successful Court of Appeal Hearing PCI-PAL PLC provided an update following the successful outcome of the Court of Appeal hearing regarding its patent litigation with its competitor, Sycurio Limited "Sycurio". Victory in Court of Appeal. Following the Company's announcement on 22 May 2024 that the Court of Appeal had dismissed Sycurio's appeal, upholding the original ruling of the High Court, which was resoundingly in PCI Pal's favour, the Company advises investors that the judgment has now been handed down and is publicly available . Sycurio patent invalid: This order means that the ruling of the High Court invalidating Sycurio's UK patent (No. 2473376) stands and the patent has been revoked. The Company notes that the High Court had also ruled that even in the event that the patent had been valid, none of PCI Pal's deployment methods of its Agent Assist solution would have infringed. Payments to PCI Pal for costs: The Company can now confirm that it has received a cash payment of the interim costs awarded by the High Court on 19 December 2023 of £1.1 million. The Company also updates investors that Sycurio has agreed to pay a further £0.2 million for the costs of the appeal process. PCI Pal expects to receive these additional funds in the next two weeks. The Company is still considering its options with regards to the remaining element of costs. The High Court trial noted that the payment received of £1.1 million was an interim payment only. The Company will assess its potential next steps with its advisors and update investors in due course. The case in the US continues as expected with the trial scheduled for February 2025. The UK outcome has provided further strong validation for PCI Pal's position, both that it does not infringe and also in its counterclaims that Sycurio's patents are invalid. Recent Insider Transactions • Mar 29
CFO, Secretary & Executive Director recently bought UK£140k worth of stock On the 26th of March, Thomas Good bought around 250k shares on-market at roughly UK£0.56 per share. This transaction amounted to 62% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. This was Thomas' only on-market trade for the last 12 months. New Risk • Mar 13
New minor risk - Shareholder dilution The company's shareholders have been diluted in the past year. Increase in shares outstanding: 9.7% This is considered a minor risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Major Risk Negative equity (-UK£4.7m). Minor Risks Currently unprofitable and not forecast to become profitable next year (UK£1.2m net loss next year). Shareholders have been diluted in the past year (9.7% increase in shares outstanding). Market cap is less than US$100m (UK£40.9m market cap, or US$52.4m). Ankündigung • Mar 13
PCI-PAL PLC has completed a Follow-on Equity Offering in the amount of £3.5 million. PCI-PAL PLC has completed a Follow-on Equity Offering in the amount of £3.5 million.
Security Name: Ordinary Shares
Security Type: Common Stock
Securities Offered: 6,250,000
Price\Range: £0.56
Transaction Features: Regulation S; Subsequent Direct Listing Ankündigung • Mar 12
PCI-PAL PLC has filed a Follow-on Equity Offering in the amount of £3.5 million. PCI-PAL PLC has filed a Follow-on Equity Offering in the amount of £3.5 million.
Security Name: Ordinary Shares
Security Type: Common Stock
Securities Offered: 6,250,000
Price\Range: £0.56
Transaction Features: Regulation S; Subsequent Direct Listing Reported Earnings • Mar 04
First half 2024 earnings released: UK£0.012 loss per share (vs UK£0.029 loss in 1H 2023) First half 2024 results: UK£0.012 loss per share (improved from UK£0.029 loss in 1H 2023). Revenue: UK£8.74m (up 20% from 1H 2023). Net loss: UK£773.0k (loss narrowed 59% from 1H 2023). Revenue is forecast to grow 19% p.a. on average during the next 2 years, compared to a 34% growth forecast for the Diversified Financial industry in the United Kingdom. Over the last 3 years on average, earnings per share has increased by 2% per year but the company’s share price has fallen by 15% per year, which means it is significantly lagging earnings. New Risk • Feb 28
New major risk - Financial position The company has less than a year of cash runway based on its current free cash flow trend. Free cash flow: -UK£1.3m This is considered a major risk. With less than a year's worth of cash, the company will need to raise capital or take on debt unless its cash flows improve. This would dilute existing shareholders or increase balance sheet risk. Currently, the following risks have been identified for the company: Major Risks Less than 1 year of cash runway based on free cash flow trend (-UK£1.3m free cash flow). Negative equity (-UK£4.7m). Minor Risks Currently unprofitable and not forecast to become profitable next year (UK£548k net loss next year). Market cap is less than US$100m (UK£31.8m market cap, or US$40.2m). Ankündigung • Feb 28
PCI-PAL PLC Announces Retirement of William Good as Chief Financial Officer PCI-PAL PLC announced that William Good has informed the board of his intention to retire as chief financial officer of the company to pursue his other existing business interests. The board has initiated a process to appoint a successor and William will continue in his role until that successor is in place, to ensure a smooth handover of responsibilities. Ankündigung • Feb 27
PCI-PAL PLC Announces Retirement of William Good as Executive Director PCI-PAL PLC announced that William Good has informed the Board of his intention to retire as executive director of the company to pursue his other existing business interests. The board has initiated a process to appoint a successor and William will continue in his role until that successor is in place, to ensure a smooth handover of responsibilities. Ankündigung • Feb 06
PCI-PAL PLC to Report First Half, 2024 Results on Feb 26, 2024 PCI-PAL PLC announced that they will report first half, 2024 results on Feb 26, 2024 Ankündigung • Nov 25
PCI-PAL PLC, Annual General Meeting, Dec 12, 2023 PCI-PAL PLC, Annual General Meeting, Dec 12, 2023, at 10:00 Coordinated Universal Time. Location: 99 Bishopsgate London United Kingdom Reported Earnings • Nov 10
Full year 2023 earnings released: UK£0.075 loss per share (vs UK£0.045 loss in FY 2022) Full year 2023 results: UK£0.075 loss per share (further deteriorated from UK£0.045 loss in FY 2022). Revenue: UK£14.9m (up 25% from FY 2022). Net loss: UK£4.89m (loss widened 66% from FY 2022). Revenue is forecast to grow 19% p.a. on average during the next 2 years, compared to a 32% growth forecast for the Diversified Financial industry in the United Kingdom. Over the last 3 years on average, earnings per share has increased by 12% per year but the company’s share price has remained flat, which means it is significantly lagging earnings. Ankündigung • Nov 06
PCI-PAL PLC to Report Fiscal Year 2023 Results on Nov 09, 2023 PCI-PAL PLC announced that they will report fiscal year 2023 results on Nov 09, 2023 New Risk • Oct 05
New minor risk - Share price stability The company's share price has been volatile over the past 3 months. It is more volatile than 75% of British stocks, typically moving 7.2% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risk Negative equity (-UK£1.5m). Minor Risks Latest financial reports are more than 6 months old (reported December 2022 fiscal period end). Share price has been volatile over the past 3 months (7.2% average weekly change). Market cap is less than US$100m (UK£36.0m market cap, or US$43.7m). New Risk • Oct 01
New minor risk - Financial data availability The company's latest financial reports are more than 6 months old. Last reported fiscal period ended December 2022. This is considered a minor risk. If the company has not reported its earnings on time, it may have been delayed due to audit problems or it may be finding it difficult to reconcile its accounts. Currently, the following risks have been identified for the company: Major Risk Negative equity (-UK£1.5m). Minor Risks Latest financial reports are more than 6 months old (reported December 2022 fiscal period end). Market cap is less than US$100m (UK£37.3m market cap, or US$45.5m). Ankündigung • Sep 26
PCI-PAL PLC Announces Total Victory for PCI Pal in UK High Court Patent Case Proceedings PCI-PAL PLC announced that it has comprehensively defeated the unfounded patent infringement suit brought by its competitor Sycurio Limited at the UK High Court. Mrs. Justice Bacon held that Sycurio's patent was invalid due to obviousness from two sources of prior art. Furthermore, Mrs. Justice Bacon decided that even if the patent had been valid, PCI Pal's Agent Assist solution did not infringe the patent. The Company intends to make a further update to investors in the coming days. This will include an update as to the expected timing of the release of the Company's annual accounts for FY23 which, as previously announced, have been delayed as a result of their proximity to the UK High Court's ruling. Ankündigung • Aug 09
PCI-PAL PLC Provides Earnings Guidance for the Year Ended 30 June 2023 PCI-PAL PLC provided earnings guidance for the year ended 30 June 2023. The board anticipates full year 2023 results to be in line with the board's expectations, with revenue growth of approximately 25% to £14.9 million (2022: £11.9 million). Reported Earnings • Mar 15
First half 2023 earnings released: UK£0.029 loss per share (vs UK£0.017 loss in 1H 2022) First half 2023 results: UK£0.029 loss per share (further deteriorated from UK£0.017 loss in 1H 2022). Revenue: UK£7.26m (up 33% from 1H 2022). Net loss: UK£1.90m (loss widened 70% from 1H 2022). Revenue is forecast to grow 27% p.a. on average during the next 2 years, compared to a 12% growth forecast for the IT industry in the United Kingdom. Over the last 3 years on average, earnings per share has increased by 27% per year but the company’s share price has only increased by 17% per year, which means it is significantly lagging earnings growth. Board Change • Nov 16
High number of new and inexperienced directors There are 4 new directors who have joined the board in the last 3 years. The company's board is composed of: 4 new directors. 4 experienced directors. No highly experienced directors. Independent Non-Executive Director Jason Starr is the most experienced director on the board, commencing their role in 2015. The company’s lack of experienced directors is considered a risk according to the Simply Wall St Risk Model. Breakeven Date Change • Sep 07
Forecast to breakeven in 2024 The analyst covering PCI-PAL expects the company to break even for the first time. New forecast suggests losses will reduce by 25% to 2023. The company is expected to make a profit of UK£700.0k in 2024. Average annual earnings growth of 93% is required to achieve expected profit on schedule. Breakeven Date Change • Apr 27
Forecast to breakeven in 2024 The analyst covering PCI-PAL expects the company to break even for the first time. New forecast suggests losses will reduce by 26% per year to 2023. The company is expected to make a profit of UK£700.0k in 2024. Average annual earnings growth of 67% is required to achieve expected profit on schedule. Board Change • Apr 27
High number of new and inexperienced directors There are 5 new directors who have joined the board in the last 3 years. The company's board is composed of: 5 new directors. 3 experienced directors. 1 highly experienced director. Chief Information Security Officer & Executive Director Geoff Forsyth is the most experienced director on the board, commencing their role in 1999. The following issues are considered to be risks according to the Simply Wall St Risk Model: Lack of board continuity. Lack of experienced directors. Board Change • Apr 02
High number of new directors There are 5 new directors who have joined the board in the last 3 years. Independent Non-Executive Director Carolyn Rand was the last director to join the board, commencing their role in 2022. The company’s lack of board continuity is considered a risk according to the Simply Wall St Risk Model. Reported Earnings • Mar 06
First half 2022 earnings: Revenues and EPS in line with analyst expectations First half 2022 results: UK£0.017 loss per share (up from UK£0.035 loss in 1H 2021). Revenue: UK£5.47m (up 72% from 1H 2021). Net loss: UK£1.12m (loss narrowed 47% from 1H 2021). Revenue was in line with analyst estimates. Over the next year, revenue is forecast to grow 32%, compared to a 18% growth forecast for the industry in the United Kingdom. Over the last 3 years on average, earnings per share has increased by 23% per year but the company’s share price has increased by 34% per year, which means it is tracking significantly ahead of earnings growth. Recent Insider Transactions • Mar 04
CFO, Secretary & Executive Director recently bought UK£74k worth of stock On the 1st of March, Thomas Good bought around 125k shares on-market at roughly UK£0.59 per share. This was the largest purchase by an insider in the last 3 months. Thomas has been a buyer over the last 12 months, purchasing a net total of UK£86k worth in shares. Reported Earnings • Oct 19
Full year 2021 earnings released: UK£0.066 loss per share (vs UK£0.088 loss in FY 2020) The company reported a solid full year result with reduced losses, improved revenues and improved control over expenses. Full year 2021 results: Revenue: UK£7.36m (up 68% from FY 2020). Net loss: UK£4.04m (loss narrowed 2.2% from FY 2020). Over the last 3 years on average, earnings per share has increased by 15% per year but the company’s share price has increased by 39% per year, which means it is tracking significantly ahead of earnings growth. Reported Earnings • Sep 07
Full year 2021 earnings released: UK£0.066 loss per share (vs UK£0.088 loss in FY 2020) The company reported a solid full year result with reduced losses, improved revenues and improved control over expenses. Full year 2021 results: Revenue: UK£7.36m (up 68% from FY 2020). Net loss: UK£4.04m (loss narrowed 2.2% from FY 2020). Over the last 3 years on average, earnings per share has increased by 15% per year but the company’s share price has increased by 52% per year, which means it is tracking significantly ahead of earnings growth. Reported Earnings • Mar 10
First half 2021 earnings released: UK£0.035 loss per share (vs UK£0.049 loss in 1H 2020) The company reported a solid first half result with improved revenues and control over costs, although losses were not reduced. First half 2021 results: Revenue: UK£3.19m (up 56% from 1H 2020). Net loss: UK£2.10m (flat on 1H 2020). Over the last 3 years on average, earnings per share has increased by 6% per year but the company’s share price has increased by 25% per year, which means it is tracking significantly ahead of earnings growth. Is New 90 Day High Low • Mar 02
New 90-day high: UK£0.79 The company is up 70% from its price of UK£0.47 on 02 December 2020. The British market is up 5.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the IT industry, which is up 13% over the same period. Ankündigung • Feb 18
PCI-PAL PLC to Report First Half, 2021 Results on Mar 08, 2021 PCI-PAL PLC announced that they will report first half, 2021 results on Mar 08, 2021 Is New 90 Day High Low • Jan 25
New 90-day high: UK£0.59 The company is up 48% from its price of UK£0.40 on 27 October 2020. The British market is up 16% over the last 90 days, indicating the company outperformed over that time. It also outperformed the IT industry, which is up 21% over the same period. Is New 90 Day High Low • Jan 07
New 90-day high: UK£0.53 The company is up 22% from its price of UK£0.43 on 09 October 2020. The British market is up 14% over the last 90 days, indicating the company outperformed over that time. It also outperformed the IT industry, which is up 17% over the same period. Is New 90 Day High Low • Dec 07
New 90-day high: UK£0.48 The company is up 19% from its price of UK£0.41 on 08 September 2020. The British market is up 10.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the IT industry, which is flat over the same period. Ankündigung • Nov 18
PCI-PAL PLC Collaborates with Oracle to Offer Enhanced Payment Security to Its Contact Center Customers PCI-PAL PLC announced a new collaboration with Oracle to offer its contact center customers additional security and compliance options for Cardholder Not Present payments. Bringing together Oracle’s market-leading Enterprise Session Border Controller with PCI Pal’s proven PCI compliance solutions, Oracle customers can ensure that their voice interactions and sensitive cardholder data are secure. Is New 90 Day High Low • Nov 06
New 90-day high: UK£0.47 The company is up 19% from its price of UK£0.39 on 07 August 2020. The British market is down 2.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the IT industry, which is down 7.0% over the same period. Ankündigung • Oct 15
PCI Pal Announces Strategic Alliance with Stripe PCI Pal announced an alliance with Stripe. For organizations already using Stripe’s range of payment infrastructure services for web-based businesses, they can now quickly deploy PCI Pal’s security solutions to ensure payment collections are handled in accordance with the very latest PCI DSS rules. With organizations and their customers increasingly concerned about payment and data security, the partnership with PCI Pal means organizations can accept payments, send payouts, and manage their businesses online, with the added peace of mind that PCI compliance brings for organizations that are handling Cardholder Not Present transactions. Ankündigung • Sep 24
PCI Pal Announces Partnership with Calabrio, Inc. to Launch Secure Payment Solutions in the Calabrio Marketplace PCI Pal announced partnership with Calabrio to launch its secure payment solutions in the Calabrio Marketplace. With PCI Pal joining the Calabrio Developer Program, Calabrio’s customers and channel partners will now be able to take advantage of PCI Pal’s secure payment solutions for Cardholder Not Present payments via telephone and digital channels. The Calabrio Developer Program is designed to empower its partners to create solutions that improve the customer and agent experience by combining Calabrio ONE with third-party solutions in new and innovative ways. Now, companies can seamlessly join the program and be given access to world-class benefits and resources that Calabrio provides. Partners are welcome to make their end-solutions available on the Calabrio Marketplace where customers can elevate their Calabrio ONE stack with access to the latest out-of-the-box integrations, suite-enhancing solutions and managed services. Ankündigung • Sep 02
PCI-PAL PLC to Report Fiscal Year 2020 Results on Sep 14, 2020 PCI-PAL PLC announced that they will report fiscal year 2020 results on Sep 14, 2020 