)
Visual24 Oct 2025
The rise of Alphabet
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.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.
Adjacent product adoption strategy?
Key benefits of product standardization?
Long-term revenue potential from conversational AI?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next PCI-PAL earnings date
H1 20265 Mar, 2026
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage