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Pci-pal PLC (PCIP.L)
Ipswich, GB
PCI-PAL PLC, through its subsidiaries, engages in the provision of payment card industry (PCI) compliance solutions and telephony services primarily in the United Kingdom, the United States, Canada, rest of Europe, and the Asia Pacific. It offers data secure payment card authorizations for call center operations; and Agent Assist, a PCI compliant solution for agents on live calls to enhance contact center customer experience. The company also provides PCI Pal Digital Payments, a solution that offers secure multi-payment methods with digital payments for contact centres; PCI Pal interactive voice recognition and intelligent virtual assistant/agent payments solution that enables customers to make payments 24/7; and Speech Recognition solution, detects primary speaker even in noisy environments, discerning languages, accents, and regional dialects with high precision. It serves clients in utilities, leisure, financial services, retail, logistics, and government sectors, as well as business process outsourcers and not for profit organizations. PCI-PAL PLC was formerly known as IPPlus plc and changed its name to PCI-PAL PLC in October 2016. PCI-PAL PLC was incorporated in 1999 and is based in Ipswich, United Kingdom.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.00% | +0.00% | -2.94% | -14.66% | -1.98% | -3.88% | +10.00% | -12.39% | -47.89% | +241.38% | +74.87% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 1 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth Software - Application: +13.0%+25.2% ★ Q4'25: +29.4% (vs Q4'23)
-
EPS growth Software - Application: +28.6%+103.5% ★ Q4'25: +4.2% (vs Q4'23)
-
FCF margin FCF growth · Software - Application: +45.3%-1.3% Q4'25: -4.4% (vs Q4'23)
-
EBIT margin Software - Application: +9.4%-1.1% Q4'25: -7.2% (vs Q4'23)
-
ROIC Software - Application: +7.5%— Q4'25: +70.7% (vs Q4'23)
-
Share dilution Software - Application: +0.0%+1.0% Q4'25: +10.7% (vs Q4'23)
-
Debt / EBITDA Net debt/EBITDA · Software - Application: -1.16×-0.67× Q4'25: 0.00× (vs Q4'23)
* 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.
| Metric |
Jun 2004 actual |
Jun 2007 actual |
Jun 2008 actual |
Jun 2018 actual |
Jun 2019 actual |
Jun 2020 actual |
Jun 2021 actual |
Jun 2022 actual |
Jun 2023 actual |
Jun 2024 actual |
Jun 2025 actual |
Jun 2026 3 Rev. Ana. 2 EPS Ana. |
Jun 2027 3 Rev. Ana. 2 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
1.74M
est: 1.57M (+10.3%)
|
3.57M
est: 3.30M (+8.3%)
|
3.95M
est: 3.65M (+8.0%)
|
2.01M
est: 2.33M (-14.0%)
|
2.82M
est: 3.40M (-17.1%)
|
4.40M
est: 4.40M (-0.1%)
|
7.36M
est: 7.30M (+0.8%)
|
11.94M
est: 11.90M (+0.3%)
|
14.95M
est: 14.90M (+0.3%)
|
17.96M
est: 18.00M (-0.2%)
|
22.48M
est: 22.50M (-0.1%)
|
23.80M
23.50M – 24.00M
+5.8% YoY
|
27.10M
27.00M – 27.20M
+13.9% YoY
|
| EBITDA |
-118.3K
est: -278.0K (+57.4%)
|
445.0K
est: -571.5K (+177.9%)
|
522.0K
est: -633.0K (+182.5%)
|
-3.62M
est: -412.3K (-778.9%)
|
-4.26M
est: -600.9K (-608.7%)
|
-3.68M
est: -5.51M (+33.2%)
|
-3.26M
est: -1.29M (-152.5%)
|
-2.12M
est: -2.10M (-1.0%)
|
-3.69M
est: -14.29M (+74.1%)
|
-248.0K
est: -22.00M (+98.9%)
|
-55.0K
est: 7.96M (-100.7%)
|
8.42M
8.31M – 8.49M
+5.8% YoY
|
9.58M
9.55M – 9.62M
+13.9% YoY
|
| EBIT |
-167.0K
est: -386.6K (+56.8%)
|
363.0K
est: -794.7K (+145.7%)
|
398.0K
est: -880.3K (+145.2%)
|
-3.78M
est: -573.4K (-558.3%)
|
-4.50M
est: -835.6K (-438.8%)
|
-4.22M
est: -6.05M (+30.2%)
|
-4.00M
est: -6.41M (+37.7%)
|
-3.10M
est: -2.92M (-5.9%)
|
-4.85M
est: -15.30M (+68.3%)
|
-1.63M
est: -8.36M (+80.5%)
|
-253.0K
est: 8.62M (-102.9%)
|
9.12M
9.00M – 9.20M
+5.8% YoY
|
10.38M
10.35M – 10.42M
+13.9% YoY
|
| Net Income |
-177.8K
est: -697.1K (+74.5%)
|
404.0K
est: 672.8K (-40.0%)
|
573.0K
est: 929.4K (-38.3%)
|
-3.78M
est: -6.57M (+42.5%)
|
-4.37M
est: -6.29M (+30.6%)
|
-4.13M
est: -5.65M (+26.9%)
|
-4.04M
est: -6.29M (+35.8%)
|
-2.94M
est: -9.76M (+69.8%)
|
-4.89M
est: -15.00M (+67.4%)
|
-1.18M
est: -1.18M (+0.0%)
|
41.0K
est: 655.2K (-93.7%)
|
-868.9K
-957.8K – -779.9K
-232.6% YoY
|
102.0K
18.6K – 185.5K
+111.7% YoY
|
| SGA |
867.0K
est: 1.64M (-47.3%)
|
1.42M
est: 1.99M (-28.9%)
|
1.60M
est: 3.74M (-57.3%)
|
4.50M
est: 2.44M (+84.5%)
|
6.13M
est: 3.55M (+72.5%)
|
6.70M
est: 4.60M (+45.6%)
|
8.23M
est: 7.63M (+7.8%)
|
12.14M
est: 12.44M (-2.4%)
|
17.95M
est: 15.57M (+15.3%)
|
17.68M
est: 18.81M (-6.0%)
|
20.36M
est: 23.52M (-13.4%)
|
24.87M
24.56M – 25.08M
+5.8% YoY
|
28.32M
28.22M – 28.43M
+13.9% YoY
|
| EPS |
-0.01
est: -0.01 (+41.2%)
|
0.01
est: 0.01 (+38.8%)
|
0.02
est: 0.01 (+41.9%)
|
-0.10
est: -0.10 (-4.1%)
|
-0.10
est: -0.09 (-8.7%)
|
-0.09
est: -0.08 (-14.8%)
|
-0.07
est: -0.05 (-25.3%)
|
-0.05
est: -0.04 (-12.5%)
|
-0.07
est: -0.03 (-133.4%)
|
-0.02
est: 0.00 (-1,640.0%)
|
0.00
est: 0.01 (-93.8%)
|
-0.01
-0.01 – -0.01
-231.7% YoY
|
0.00
0.00 – 0.00
+109.7% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | B- | 2/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-28 | B- | 2/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-27 | B- | 2/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-26 | B- | 2/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-22 | B- | 2/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-21 | B- | 2/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-20 | B- | 2/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-19 | B- | 2/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-18 | B- | 2/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-15 | B- | 2/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-14 | B- | 2/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-13 | B- | 2/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-12 | B- | 2/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-11 | B- | 2/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-08 | B- | 2/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-07 | B- | 2/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-06 | B- | 2/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-05 | B- | 2/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-01 | B- | 2/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-30 | B- | 2/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-29 | B- | 2/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-28 | B- | 2/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-27 | B- | 2/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-24 | B- | 2/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-23 | C+ | 2/5 | 4/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-22 | C+ | 2/5 | 4/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-21 | B- | 2/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-20 | B- | 2/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-17 | C+ | 2/5 | 4/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-16 | C+ | 2/5 | 4/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
This company is not held by any ETF in our universe.
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| James Christopher Barham | Chief Executive Officer & Executive Director | 587.0K | male |
| Ryan Conal Murray | Chief Financial Officer, Secretary & Director | 273.2K | male |
| Royston Ballard | Chief Information Security Officer | 140.1K | male |
| Darren Gill | Chief Revenue Officer | — | male |
| Adrienne Brophy | General Counsel | — | female |
| Mufti Monim | Chief Technology Officer | — | male |
| Rachael Drouet | Head of People | — | — |
| Kathy Varney | Chief Marketing Officer | — | female |
| Alessandro Dalla Volta | Vice President of Product | — | male |
| Angus Reger | Group Financial Controller | — | — |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for PCIP.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.
