PCI-PAL (PCIP) investor relations material

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.