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PCI-PAL (PCIP) investor relations material

PCI-PAL H2 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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H2 2025 earnings summary11 Sep, 2025

Executive summary

  • Achieved strong year with 25% revenue growth and 25% ARR growth year-over-year, driven by robust cloud platform, partner ecosystem, and international reach.

  • Over 700 customers served, including major brands and government agencies, with high customer retention and expansion opportunities.

  • Focused on organic growth, with all growth being organic and not acquisition-driven.

  • Profitable for the first full year, delivering EBITDA of £2.3 million and pre-tax profit of £800,000.

  • Strong culture and partner relationships, with a healthy business outlook and continued investment in growth.

Financial highlights

  • Revenue up 25% year-over-year; normalized top-line revenue growth at 17% due to prior audit issue double count.

  • Gross profit increased 26% to just over $20 million, with gross margin at 89.5%.

  • Recurring revenue now 91% of total, up from 89% prior year, reflecting quality and predictability.

  • ARR compounding growth rate at 37% over five years; contracted ARR up 16% this year.

  • Cash at £3.9 million, with cash flow neutral expected for FY2026 despite £1.5 million investment.

Outlook and guidance

  • Targeting 18–20% ARR growth for the next three years, aiming for $30 million+ revenue organically in five years.

  • Expecting to remain cash flow neutral in FY2026 while investing in marketing and product development.

  • Rule of 40 targeted within three years, balancing growth and profitability.

  • Strong pipeline and positive trading momentum into FY2026, with busy start to the year and robust product roadmap.

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Frequently asked questions

PCI-PAL PLC provides payment card industry (PCI) compliance solutions and telephony services primarily in the United Kingdom, European Union, North America, the Asia Pacific, and the Middle East. The company offers an independent compliance assessment service that is designed to maintain merchants' PCI compliance with Payment Card Industry Data Security Standard (PCI-DSS). Its PCI-PAL Saver service allows customers to make direct payments to an individual or business via a bank account or debit or credit card; and its PCI-PAL Saver Connect service allows customers to send money to others using their mobile number.

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