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PCI-PAL

AIM:PCIP
Snowflake Description

Adequate balance sheet with limited growth.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
PCIP
AIM
£12M
Market Cap
  1. Home
  2. GB
  3. Software
Company description

PCI-PAL PLC, through its subsidiaries, provides payment card industry (PCI) compliance solutions and telephony services primarily in the United Kingdom, European Union, North America, and the Middle East. The last earnings update was 117 days ago. More info.


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  • PCI-PAL has significant price volatility in the past 3 months.
PCIP Share Price and Events
7 Day Returns
5.8%
AIM:PCIP
-0.1%
GB IT
-0.1%
GB Market
1 Year Returns
-23.6%
AIM:PCIP
1.6%
GB IT
-3.5%
GB Market
PCIP Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
PCI-PAL (PCIP) 5.8% 17% 14.6% -23.6% 93% 37.5%
GB IT -0.1% 1.5% 12.5% 1.6% 71.3% 61.6%
GB Market -0.1% 0.4% 0.6% -3.5% 15.8% 3.9%
1 Year Return vs Industry and Market
  • PCIP underperformed the IT industry which returned 1.6% over the past year.
  • PCIP underperformed the Market in United Kingdom of Great Britain and Northern Ireland which returned -3.5% over the past year.
Price Volatility
PCIP
Industry
5yr Volatility vs Market

Value

 Is PCI-PAL undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
  • It is not possible to calculate the future cash flow value for PCI-PAL. This is due to cash flow or dividend data being unavailable. The share price is £0.275.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for PCI-PAL's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are PCI-PAL's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
AIM:PCIP PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-12-31) in GBP £-0.10
AIM:PCIP Share Price ** AIM (2019-06-18) in GBP £0.28
United Kingdom of Great Britain and Northern Ireland IT Industry PE Ratio Median Figure of 23 Publicly-Listed IT Companies 27.4x
United Kingdom of Great Britain and Northern Ireland Market PE Ratio Median Figure of 789 Publicly-Listed Companies 16.27x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of PCI-PAL.

AIM:PCIP PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= AIM:PCIP Share Price ÷ EPS (both in GBP)

= 0.28 ÷ -0.10

-2.66x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • PCI-PAL is loss making, we can't compare its value to the GB IT industry average.
  • PCI-PAL is loss making, we can't compare the value of its earnings to the United Kingdom of Great Britain and Northern Ireland market.
Price based on expected Growth
Does PCI-PAL's expected growth come at a high price?
Raw Data
AIM:PCIP PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section -2.66x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 1 Analysts
42.8%per year
United Kingdom of Great Britain and Northern Ireland IT Industry PEG Ratio Median Figure of 19 Publicly-Listed IT Companies 1.71x
United Kingdom of Great Britain and Northern Ireland Market PEG Ratio Median Figure of 576 Publicly-Listed Companies 1.47x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for PCI-PAL, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on PCI-PAL's assets?
Raw Data
AIM:PCIP PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-12-31) in GBP £0.08
AIM:PCIP Share Price * AIM (2019-06-18) in GBP £0.28
United Kingdom of Great Britain and Northern Ireland IT Industry PB Ratio Median Figure of 44 Publicly-Listed IT Companies 2.98x
United Kingdom of Great Britain and Northern Ireland Market PB Ratio Median Figure of 1,371 Publicly-Listed Companies 1.48x
AIM:PCIP PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= AIM:PCIP Share Price ÷ Book Value per Share (both in GBP)

= 0.28 ÷ 0.08

3.3x

* Primary Listing of PCI-PAL.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • PCI-PAL is overvalued based on assets compared to the GB IT industry average.
X
Value checks
We assess PCI-PAL's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the IT industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the IT industry average (and greater than 0)? (1 check)
  5. PCI-PAL has a total score of 0/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

 How is PCI-PAL expected to perform in the next 1 to 3 years based on estimates from 1 analyst?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
42.8%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is PCI-PAL expected to grow at an attractive rate?
  • Unable to compare PCI-PAL's earnings growth to the low risk savings rate as it is expected to be loss making during the next 1-3 years.
Growth vs Market Checks
  • Unable to compare PCI-PAL's earnings growth to the United Kingdom of Great Britain and Northern Ireland market average as it is expected to be loss making during the next 1-3 years.
  • PCI-PAL's revenue growth is expected to exceed the United Kingdom of Great Britain and Northern Ireland market average.
Annual Growth Rates Comparison
Raw Data
AIM:PCIP Future Growth Rates Data Sources
Data Point Source Value (per year)
AIM:PCIP Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 1 Analysts 42.8%
AIM:PCIP Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 1 Analysts 59.4%
United Kingdom of Great Britain and Northern Ireland IT Industry Earnings Growth Rate Market Cap Weighted Average 23.9%
United Kingdom of Great Britain and Northern Ireland IT Industry Revenue Growth Rate Market Cap Weighted Average 10.3%
United Kingdom of Great Britain and Northern Ireland Market Earnings Growth Rate Market Cap Weighted Average 10.7%
United Kingdom of Great Britain and Northern Ireland Market Revenue Growth Rate Market Cap Weighted Average 4.8%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
AIM:PCIP Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (5 months ago) See Below
Future Estimates Average of up to 1 Analyst Estimates (S&P Global) See Below
All numbers in GBP Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
AIM:PCIP Future Estimates Data
Date (Data in GBP Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2021-06-30 11 0 -1 1
2020-06-30 7 -2 -3 1
2019-06-30 3 -3 -5 1
AIM:PCIP Past Financials Data
Date (Data in GBP Millions) Revenue Cash Flow Net Income *
2018-12-31 2 -4 -4
2018-09-30 2 -4 -4
2018-06-30 2 -3 -4
2018-03-31 2 -2 -3
2017-12-31 2 -1 -3
2017-09-30 2 -1 -2
2017-06-30 2 -1 -2
2017-03-31 2 -1 -1
2016-12-31 2 -1 -1
2016-09-30 1 -1 -1
2016-06-30 1 0 -1
2016-03-31 2 0 -1

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • PCI-PAL is not considered high growth as it is expected to be loss making for the next 1-3 years.
  • PCI-PAL's revenue is expected to grow significantly at over 20% yearly.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
AIM:PCIP Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (5 months ago) See Below
Future Estimates Average of up to 1 Analyst Estimates (S&P Global) See Below

All data from PCI-PAL Company Filings, last reported 5 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

AIM:PCIP Future Estimates Data
Date (Data in GBP Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2021-06-30 -0.02 -0.02 -0.02 1.00
2020-06-30 -0.08 -0.08 -0.08 1.00
2019-06-30 -0.11 -0.11 -0.11 1.00
AIM:PCIP Past Financials Data
Date (Data in GBP Millions) EPS *
2018-12-31 -0.10
2018-09-30 -0.10
2018-06-30 -0.10
2018-03-31 -0.10
2017-12-31 -0.09
2017-09-30 -0.07
2017-06-30 -0.05
2017-03-31 -0.04
2016-12-31 -0.03
2016-09-30 -0.03
2016-06-30 -0.03
2016-03-31 -0.03

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if PCI-PAL will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
X
Future performance checks
We assess PCI-PAL's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United Kingdom of Great Britain and Northern Ireland market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United Kingdom of Great Britain and Northern Ireland market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
PCI-PAL has a total score of 2/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has PCI-PAL performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare PCI-PAL's growth in the last year to its industry (IT).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • PCI-PAL does not make a profit and their year on year earnings growth rate was negative over the past 5 years.
  • Unable to compare PCI-PAL's 1-year earnings growth to the 5-year average as it is not currently profitable.
  • Unable to compare PCI-PAL's 1-year growth to the GB IT industry average as it is not currently profitable.
Earnings and Revenue History
PCI-PAL's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from PCI-PAL Company Filings, last reported 5 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

AIM:PCIP Past Revenue, Cash Flow and Net Income Data
Date (Data in GBP Millions) Revenue Net Income * G+A Expenses R&D Expenses
2018-12-31 2.39 -4.30 5.83
2018-09-30 2.26 -4.02 5.27
2018-06-30 2.14 -3.74 4.70
2018-03-31 1.94 -3.27 4.06
2017-12-31 1.82 -2.75 3.46
2017-09-30 1.85 -2.23 2.98
2017-06-30 1.88 -1.70 2.49
2017-03-31 1.70 -1.40 2.04
2016-12-31 1.52 -1.10 1.59
2016-09-30 1.31 -0.98 1.41
2016-06-30 1.10 -0.86 1.22
2016-03-31 2.39 -0.83 1.00
2015-12-31 3.67 -0.79 0.78
2015-09-30 5.08 -0.66 1.15
2015-06-30 6.49 -0.54 1.52
2014-12-31 7.38 -0.47 2.57
2014-09-30 7.89 -0.08 2.56
2014-06-30 8.39 0.30 2.56
2014-03-31 8.60 0.60 2.58
2013-12-31 8.40 0.94 2.50
2013-09-30 8.24 0.70 2.57
2013-06-30 8.08 0.47 2.64
2013-03-31 7.76 0.43 2.47
2012-12-31 7.44 0.38 2.30
2012-09-30 7.09 0.40 2.28
2012-06-30 6.75 0.41 2.27

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • It is difficult to establish if PCI-PAL has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.
  • It is difficult to establish if PCI-PAL has efficiently used its assets last year compared to the GB IT industry average (Return on Assets) as it is loss-making.
  • It is difficult to establish if PCI-PAL improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.
X
Past performance checks
We assess PCI-PAL's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the IT industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
PCI-PAL has a total score of 0/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

 How is PCI-PAL's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up PCI-PAL's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • PCI-PAL is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
  • PCI-PAL's cash and other short term assets cover its long term commitments.
Balance sheet
This treemap shows a more detailed breakdown of PCI-PAL's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • Low level of unsold assets.
  • PCI-PAL has no debt, it does not need to be covered by short term assets.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from PCI-PAL Company Filings, last reported 5 months ago.

AIM:PCIP Past Debt and Equity Data
Date (Data in GBP Millions) Total Equity Total Debt Cash & Short Term Investments
2018-12-31 3.54 0.00 3.54
2018-09-30 3.54 0.00 3.54
2018-06-30 6.38 0.00 3.75
2018-03-31 6.38 0.00 3.75
2017-12-31 3.85 0.00 1.10
2017-09-30 3.85 0.00 1.10
2017-06-30 5.42 0.00 1.96
2017-03-31 5.42 0.00 1.96
2016-12-31 6.73 0.00 2.93
2016-09-30 6.73 0.00 2.93
2016-06-30 2.02 1.21 0.90
2016-03-31 2.02 1.21 0.90
2015-12-31 2.08 1.30 0.85
2015-09-30 2.08 1.30 0.85
2015-06-30 1.91 1.16 1.04
2014-12-31 2.34 1.26 0.35
2014-09-30 2.34 1.26 0.35
2014-06-30 2.55 1.24 0.46
2014-03-31 2.55 1.24 0.46
2013-12-31 2.95 1.29 0.66
2013-09-30 2.95 1.29 0.66
2013-06-30 2.46 0.13 0.56
2013-03-31 2.46 0.13 0.56
2012-12-31 2.18 0.19 0.50
2012-09-30 2.18 0.19 0.50
2012-06-30 2.00 0.23 0.40
  • PCI-PAL has no debt.
  • PCI-PAL has no debt compared to 5 years ago when it was 43.7%.
CASH RUNWAY ANALYSIS

For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.

  • PCI-PAL has less than a year of cash runway based on current free cash flow.
  • PCI-PAL has less than a year of cash runway if free cash flow continues to grow at historical rates of 83.2% each year.
X
Financial health checks
We assess PCI-PAL's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. PCI-PAL has a total score of 4/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

 What is PCI-PAL's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0%
Current annual income from PCI-PAL dividends.
If you bought £2,000 of PCI-PAL shares you are expected to receive £0 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Unable to evaluate PCI-PAL's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate PCI-PAL's dividend against the top 25% market benchmark as the company has not reported any payouts.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
AIM:PCIP Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 1 Analyst Estimates (S&P Global) See Below
United Kingdom of Great Britain and Northern Ireland IT Industry Average Dividend Yield Market Cap Weighted Average of 20 Stocks 2.3%
United Kingdom of Great Britain and Northern Ireland Market Average Dividend Yield Market Cap Weighted Average of 705 Stocks 4.3%
United Kingdom of Great Britain and Northern Ireland Minimum Threshold Dividend Yield 10th Percentile 1.1%
United Kingdom of Great Britain and Northern Ireland Bottom 25% Dividend Yield 25th Percentile 2%
United Kingdom of Great Britain and Northern Ireland Top 25% Dividend Yield 75th Percentile 5.5%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

AIM:PCIP Future Dividends Estimate Data
Date (Data in £) Dividend per Share (annual) Avg. No. Analysts
2021-06-30
2020-06-30
2019-06-30
AIM:PCIP Past Annualized Dividends Data
Date (Data in £) Dividend per share (annual) Avg. Yield (%)
2017-02-22 0.000 0.000
2016-12-20 0.000 0.000
2016-11-23 0.000 0.000
2015-08-27 0.002 0.958
2014-09-02 0.002 0.977
2014-09-01 0.002 0.968
2013-09-02 0.003 1.265

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to perform a dividend volatility check as PCI-PAL has not reported any payouts.
  • Unable to verify if PCI-PAL's dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of PCI-PAL's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as PCI-PAL has not reported any payouts.
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess PCI-PAL's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 1.1%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can PCI-PAL afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. PCI-PAL has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

 What is the CEO of PCI-PAL's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
James Barham
COMPENSATION £179,304
AGE 36
TENURE AS CEO 0.7 years
CEO Bio

Mr. James Christopher Barham has been Chief Executive Officer of PCI-PAL PLC since October 08, 2018 and served as its Chief Commercial Officer and has been its Executive Director since September 30, 2016. Mr. Barham served as Commercial Director of IPPlus PLC since September 30, 2016. He served as Managing Director - Ip3 Telecom of IPPlus Plc. He worked for Hiscox Plc and Call Connection Ltd before joining IPPlus in 2008, where he held several senior management positions before being appointed to the Board of IPPlus (UK) Limited in 2015. He has been instrumental in the growth of the telecoms and payments businesses and the ultimate evolution of the PCI-PAL product suite. Mr. Barham graduated from Bath Spa University.

CEO Compensation
  • James's compensation has increased whilst company is loss making.
  • James's remuneration is about average for companies of similar size in United Kingdom of Great Britain and Northern Ireland.
Management Team Tenure

Average tenure and age of the PCI-PAL management team in years:

0.5
Average Tenure
54
Average Age
  • The average tenure for the PCI-PAL management team is less than 2 years, this suggests a new team.
Management Team

James Barham

TITLE
CEO & Executive Director
COMPENSATION
£179K
AGE
36
TENURE
0.7 yrs

Thomas Good

TITLE
CFO, Secretary & Executive Director
COMPENSATION
£127K
AGE
53
TENURE
2.2 yrs

Geoff Forsyth

TITLE
Chief Information Security Officer & Executive Director
COMPENSATION
£134K
AGE
55
TENURE
0.3 yrs

Hugh James

TITLE
Chief Technology Officer
TENURE
0.4 yrs

Jane Goodayle

TITLE
Vice President of Global Marketing

Grafton Potter

TITLE
Senior Vice President of Sales - North America & Australasia

Darren Gill

TITLE
Chief Revenue Officer
TENURE
0.4 yrs

Simon Wilson

TITLE
President of North American Operations
AGE
55
TENURE
1.8 yrs
Board of Directors Tenure

Average tenure and age of the PCI-PAL board of directors in years:

3.6
Average Tenure
53
Average Age
  • The tenure for the PCI-PAL board of directors is about average.
Board of Directors

Chris Fielding

TITLE
Non-Executive Chairman
COMPENSATION
£45K
AGE
59
TENURE
4.5 yrs

James Barham

TITLE
CEO & Executive Director
COMPENSATION
£179K
AGE
36
TENURE
2.8 yrs

Thomas Good

TITLE
CFO, Secretary & Executive Director
COMPENSATION
£127K
AGE
53
TENURE
2.2 yrs

Geoff Forsyth

TITLE
Chief Information Security Officer & Executive Director
COMPENSATION
£134K
AGE
55
TENURE
19.6 yrs

Jason Starr

TITLE
Senior Independent Director
COMPENSATION
£25K
AGE
46
Who owns this company?
Recent Insider Trading
  • More shares have been bought than sold by PCI-PAL insiders in the past 3 months, but not in substantial volumes.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (£) Value (£)
14. Jun 19 Buy James Barham Individual 13. Jun 19 13. Jun 19 50,684 £0.29 £14,698
06. Mar 19 Buy Geoffrey Forsyth Individual 06. Mar 19 06. Mar 19 55,662 £0.24 £13,359
13. Jul 18 Buy Thomas Good Individual 13. Jul 18 13. Jul 18 15,000 £0.30 £4,500
12. Jul 18 Buy James Barham Individual 11. Jul 18 11. Jul 18 19,055 £0.33 £6,231
12. Jul 18 Buy Geoffrey Forsyth Individual 11. Jul 18 11. Jul 18 31,018 £0.32 £9,771
X
Management checks
We assess PCI-PAL's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. PCI-PAL has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

How Much Of PCI-PAL PLC (LON:PCIP) Do Insiders Own?

A look at the shareholders of PCI-PAL PLC (LON:PCIP) can tell us which group is most powerful. … Large companies usually have institutions as shareholders, and we usually see insiders owning shares in smaller companies. … PCI-PAL is a smaller company with a market capitalization of UK£8.5m, so it may still be flying under the radar of many institutional investors.

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Some PCI-PAL Shareholders Have Copped A Big 56% Share Price Drop

Generally speaking, companies without profits are expected to grow revenue every year, and at a good clip. … Some companies are willing to postpone profitability to grow revenue faster, but in that case one does expect good top-line growth. … Without profits, and with revenue growth sluggish, you get a 56% loss for shareholders, over the year.

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What does PCI-PAL PLC's (LON:PCIP) Balance Sheet Tell Us About Its Future?

PCI-PAL PLC (LON:PCIP), which has zero-debt on its balance sheet, can maximize capital returns by increasing debt due to its lower cost of capital. … Is financial flexibility worth the lower cost of capital … There are well-known benefits of including debt in capital structure, primarily a lower cost of capital.

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Is PCI-PAL PLC (LON:PCIP) A Volatile Stock?

Volatility is considered to be a measure of risk in modern finance theory. … Beta is a widely used metric to measure a stock's exposure to market risk (volatility). … Before we go on, it's worth noting that Warren Buffett pointed out in his 2014 letter to shareholders that 'volatility is far from synonymous with risk.' Having said that, beta can still be rather useful.

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What You Must Know About PCI-PAL PLC's (LON:PCIP) Market Risks

There are two types of risks that affect the market value of a listed company such as PCIP. … The first type is company-specific risk, which can be diversified away by investing in other companies to reduce exposure to one particular stock. … The second type is market risk, one that you cannot diversify away, since it arises from macroeconomic factors which directly affects all the stocks in the market.

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PCI-PAL PLC (LON:PCIP): Risks You Need To Consider Before Buying

Check out our latest analysis for PCI-PAL An interpretation of PCIP's beta PCI-PAL has a beta of 1.21, which means that the percentage change in its stock value will be higher than the entire market in times of booms and busts. … A market capitalisation of UK£16.81M puts PCIP in the category of small-cap stocks, which tends to possess higher beta than larger companies. … Thus, we can expect PCIP to be more stable in the face of market movements, relative to its peers of similar size but with a higher portion of fixed assets on their books.

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Does PCI-PAL PLC's (LON:PCIP) CEO Pay Compare Well With Peers?

Performance can be measured based on factors such as earnings and total shareholder return (TSR). … In the situation of negative earnings, the company may be incurring a period of reinvestment and growth, or it can be a signal of some headwind. … Usually I would use earnings and market cap to account for variations in performance, however, PCIP's negative earnings reduces the effectiveness of this method.

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Who Are The Top Investors In PCI-PAL PLC (LON:PCIP)?

Today, I will be analyzing PCI-PAL PLC’s (AIM:PCIP) recent ownership structure, an important but not-so-popular subject among individual investors. … With this size of ownership, retail investors can collectively play a role in major company policies that affect shareholders returns, including executive remuneration and the appointment of directors. … Thus, investors not need worry too much about the consequences of these holdings.Next Steps: The company's high institutional ownership makes margin of safety a very important consideration to existing investors since long bull and bear trends often emerge when these big-ticket investors see a change in long-term potential of the company.

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Should PCI-PAL PLC's (LON:PCIP) Recent Earnings Decline Worry You?

Analyzing PCI-PAL PLC's (AIM:PCIP) track record of past performance is a valuable exercise for investors. … Today I will assess PCIP's recent performance announced on 31 December 2017 and compare these figures to its long-term trend and industry movements. … View our latest analysis for PCI-PAL Was PCIP's recent earnings decline worse than the long-term trend and the industry?

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Before You Buy PCI-PAL PLC's (LON:PCIP), You Should Consider This

Based on this beta value, PCIP appears to be a stock that an investor with a high-beta portfolio would look for to reduce risk exposure to the market. … PCIP, with its market capitalisation of UK£22.13M, is a small-cap stock, which generally have higher beta than similar companies of larger size. … Thus, we can expect PCIP to be more stable in the face of market movements, relative to its peers of similar size but with a higher portion of fixed assets on their books.

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Company Info

Description

PCI-PAL PLC, through its subsidiaries, provides payment card industry (PCI) compliance solutions and telephony services primarily in the United Kingdom, European Union, North America, and the Middle East. It offers data secure payment card authorizations for call center operations; and Agent Assist, a PCI compliant solution to enhance contact center customer experience. The company also provides IVR payments solution that empowers customers to make payments 24/7; legacy suite for securing archived call recordings and electronic documents; and SMS and Web chat solutions. PCI-PAL PLC serves clients in utilities, leisure, financial services, retail, logistics, and public sectors. The company was formerly known as IPPlus plc and changed its name to PCI-PAL PLC in October 2016. PCI-PAL PLC was founded in 1999 and is headquartered in London, the United Kingdom.

Details
Name: PCI-PAL PLC
PCIP
Exchange: AIM
Founded: 1999
£11,702,335
42,553,949
Website: http://www.pcipal.com
Address: PCI-PAL PLC
1 Cornhill,
London,
Greater London, EC3V 3ND,
United Kingdom
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
AIM PCIP Ordinary Shares London Stock Exchange AIM Market GB GBP 29. Sep 2000
Number of employees
Current staff
Staff numbers
36
PCI-PAL employees.
Industry
Data Processing and Outsourced Services
Software
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/06/18 20:34
End of day share price update: 2019/06/18 00:00
Last estimates confirmation: 2019/02/21
Last earnings filing: 2019/02/21
Last earnings reported: 2018/12/31
Last annual earnings reported: 2018/06/30


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.