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PensionBee Group plc (PBEE.L)
GBp119.50
-5.00 (-4.02%)
GB LSE Technology Software - Application
Address
209 Blackfriars Road SE1 8NL
London, GB
London, GB
CEO
Romina Rousslanova Savova
Website
pensionbee.com
IPO
2021-04-21
ISIN GB00BNDRLN84
Description
PensionBee Group plc is a London-based direct-to-consumer fintech firm, established in 2014, specializing in online pension management for individuals across the United Kingdom. Through its proprietary digital platform, clients are empowered to consolidate their various retirement pots, invest them across a selection of diverse online plans, project their future retirement savings, and facilitate withdrawals. The company also extends bespoke services, including the division of pension assets during divorce proceedings, early access to funds in cases of serious illness, and complete fund access within their first year as an invested customer.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
GBp119.50
-5.00 (-4.02%)
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Volume Profile
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Liquidity & share structure
Average Volume
135.2K
Beta
0.44
Float Shares
149.61M
Free Float %
62.7%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.00% | +1.45% | -2.10% | -10.26% | -14.89% | -13.58% | -16.91% | +111.80% | -16.04% | -15.76% | -15.76% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From
To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
119.50
Ratings Trend (MoM)
86% Bullish
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 1 | 0 |
| Buy | 5 | 0 |
| Hold | 1 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
Quality scores
Altman Z-Score
47.70
Safe zone
Piotroski F-Score
5 / 9
Average
MOAT Score
2 / 10
No MOAT
Composite Rating
C-
Overall Score
1 / 5
Low
DCF Score
1 / 5
Low
ROE Score
1 / 5
Low
ROA Score
1 / 5
Low
D/E Score
4 / 5
High
P/E Score
1 / 5
Low
P/Book Score
1 / 5
Low
Operational MOAT
✗ Below peers
-
Revenue growth Software - Application: +13.0%+28.3% ★ Q4'25: +83.4% (vs Q4'23)
-
EPS growth Software - Application: +28.6%+13.0% Q4'25: +238.8% (vs Q4'23)
-
FCF margin FCF growth · Software - Application: +45.3%-27.0% Q4'25: -5.8% (vs Q4'23)
-
EBIT margin Software - Application: +9.4%-18.4% Q4'25: -9.3% (vs Q4'23)
-
ROIC Software - Application: +7.5%-220.1% Q4'25: -242.3% (vs Q4'23)
-
Share dilution Software - Application: +0.0%+4.7% Q4'25: +6.2% (vs Q4'23)
-
Debt / EBITDA Net debt/EBITDA · Software - Application: -1.16×-0.02× Q4'25: -0.02× (vs Q4'23)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Consensus Estimates
| Metric |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 6 Rev. Ana. 4 EPS Ana. |
Dec 2027 6 Rev. Ana. 4 EPS Ana. |
Dec 2028 2 Rev. Ana. 3 EPS Ana. |
Dec 2029 5 Rev. Ana. 2 EPS Ana. |
Dec 2030 3 Rev. Ana. 2 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
12.75M
est: 13.00M (-1.9%)
|
17.66M
est: 18.00M (-1.9%)
|
23.82M
est: 28.32M (-15.9%)
|
33.20M
est: 33.00M (+0.6%)
|
42.61M
est: 42.60M (+0.0%)
|
53.51M
52.01M – 56.21M
+25.6% YoY
|
64.76M
60.19M – 68.99M
+21.0% YoY
|
77.96M
73.96M – 82.53M
+20.4% YoY
|
84.00M
79.69M – 88.92M
+7.8% YoY
|
97.00M
92.02M – 102.68M
+15.5% YoY
|
| EBITDA |
-23.31M
est: -9.16M (-154.5%)
|
-22.10M
est: -12.68M (-74.3%)
|
-10.40M
est: -15.28M (+32.0%)
|
-2.86M
est: -17.80M (+84.0%)
|
-7.47M
est: -22.98M (+67.5%)
|
-28.87M
-30.33M – -28.06M
-25.6% YoY
|
-34.94M
-37.22M – -32.47M
-21.0% YoY
|
-42.06M
-44.53M – -39.90M
-20.4% YoY
|
-45.32M
-47.98M – -43.00M
-7.8% YoY
|
-52.34M
-55.40M – -49.65M
-15.5% YoY
|
| EBIT |
-23.56M
est: -9.20M (-156.1%)
|
-22.37M
est: -12.74M (-75.6%)
|
-10.68M
est: -15.42M (+30.7%)
|
-3.00M
est: -17.97M (+83.3%)
|
-7.82M
est: -23.20M (+66.3%)
|
-29.14M
-30.61M – -28.32M
-25.6% YoY
|
-35.26M
-37.56M – -32.77M
-21.0% YoY
|
-42.45M
-44.94M – -40.27M
-20.4% YoY
|
-45.74M
-48.42M – -43.39M
-7.8% YoY
|
-52.82M
-55.91M – -50.11M
-15.5% YoY
|
| Net Income |
-24.63M
est: -23.82M (-3.4%)
|
-22.15M
est: -23.96M (+7.6%)
|
-10.57M
est: -5.17M (-104.4%)
|
-3.14M
est: -2.58M (-21.4%)
|
-2.85M
est: -3.08M (+7.4%)
|
92.9K
26.5K – 159.2K
+103.0% YoY
|
4.30M
-2.08M – 7.04M
+4,530.3% YoY
|
6.69M
6.24M – 7.20M
+55.5% YoY
|
—
— – —
-100.0% YoY
|
—
— – —
|
| SGA |
15.35M
est: 13.65M (+12.5%)
|
19.58M
est: 18.89M (+3.6%)
|
13.18M
est: 21.65M (-39.1%)
|
14.45M
est: 25.23M (-42.7%)
|
22.27M
est: 32.57M (-31.6%)
|
40.92M
39.77M – 42.98M
+25.6% YoY
|
49.52M
46.02M – 52.75M
+21.0% YoY
|
59.61M
56.55M – 63.10M
+20.4% YoY
|
64.23M
60.93M – 67.99M
+7.8% YoY
|
74.17M
70.36M – 78.52M
+15.5% YoY
|
| EPS |
-0.11
est: -0.11 (-4.6%)
|
-0.10
est: -0.11 (+6.3%)
|
-0.05
est: -0.02 (-104.9%)
|
-0.01
est: -0.01 (-27.3%)
|
-0.01
est: -0.01 (+8.0%)
|
0.00
0.00 – 0.00
+103.3% YoY
|
0.01
-0.01 – 0.03
+2,609.6% YoY
|
0.03
0.03 – 0.03
+143.2% YoY
|
—
— – —
-100.0% YoY
|
—
— – —
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 | 1/5 |
| 2026-05-28 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 | 1/5 |
| 2026-05-27 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 | 1/5 |
| 2026-05-26 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 | 1/5 |
| 2026-05-22 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 | 1/5 |
| 2026-05-21 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 | 1/5 |
| 2026-05-20 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 | 1/5 |
| 2026-05-19 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 | 1/5 |
| 2026-05-18 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 | 1/5 |
| 2026-05-15 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 | 1/5 |
| 2026-05-14 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 | 1/5 |
| 2026-05-13 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 | 1/5 |
| 2026-05-12 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 | 1/5 |
| 2026-05-11 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 | 1/5 |
| 2026-05-08 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 | 1/5 |
| 2026-05-07 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 | 1/5 |
| 2026-05-06 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 | 1/5 |
| 2026-05-05 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 | 1/5 |
| 2026-05-01 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 | 1/5 |
| 2026-04-30 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 | 1/5 |
| 2026-04-29 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 | 1/5 |
| 2026-04-28 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 | 1/5 |
| 2026-04-27 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 | 1/5 |
| 2026-04-24 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 3/5 | 1/5 | 1/5 |
| 2026-04-23 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 3/5 | 1/5 | 1/5 |
| 2026-04-22 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 3/5 | 1/5 | 1/5 |
| 2026-04-21 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 3/5 | 1/5 | 1/5 |
| 2026-04-20 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 3/5 | 1/5 | 1/5 |
| 2026-04-17 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 3/5 | 1/5 | 1/5 |
| 2026-04-16 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 3/5 | 1/5 | 1/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
3.31M
OE per share TTM
0.01
Owner's Yield
0.99%
Maintenance CapEx ratio
11.38%
Maint CapEx / Avg PPE
3.0%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
ETF Ownership
Top ETFs holding this stock
This company is not held by any ETF in our universe.
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
-38.3K
Shares Outstanding
238.66M
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Jonathan R. Lister Parsons | Co-Founder, Chief Technology Officer & Director | 411.7K | male |
| Romina Rousslanova Savova | Co-Founder, Chief Executive Officer & Director | 411.7K | female |
| Christoph Johannes Martin | Chief Financial Officer & Executive Director | 411.7K | male |
| Lisa Picardo | Chief Business Officer of UK | — | female |
| Matthew Cavanagh | Chief Legal Officer & General Counsel | — | male |
| Matthew Cevik Loft | Chief Design Officer | — | male |
| Petra Miskov | Chief Risk Officer | — | female |
| Tess Nicholson | Chief Operating Officer | — | female |
| Clare Reilly | Chief Investment Solutions Officer | — | female |
| Jasper Martens | Chief Marketing Officer | — | male |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for PBEE.L
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
