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PCI-PAL
PCI-PAL (PCIP) investor relations material
PCI-PAL H1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2026 earnings summary3 Mar, 2026
Executive summary
Achieved record new business and strong commercial momentum in H1 FY26, with ARR up 21% year-over-year to £20.3m and CARR up 18% to £24.0m, driven by partner-led sales and enterprise wins, especially in North America and the US.
Revenue grew 7% year-over-year to £11.3m (14% on a normalised basis), with recurring revenue comprising 93% of total income.
Platform uptime reached 100% in H1, with accelerated sales momentum from the partner ecosystem and increased deployment velocity.
Strategic investments in platform, partner ecosystem, and leadership (including new CISO and US-based CMO) supported growth, while employee engagement and retention remained strong (97% retention, eNPS 45).
Continued investment in product innovation, including fraud management, analytics, and upcoming customer authentication and self-serve onboarding.
Financial highlights
ARR up 21% year-over-year to £20.3m; CARR up 18% to £24.0m.
Revenue increased 7% year-over-year (14% normalized for deferred revenue), reaching £11.3m in H1.
Recurring revenue now 93% of total, up from 91% last year.
Gross margin at 87% (down from 90% prior period) due to timing of license revenue recognition; expected to improve in H2.
Adjusted EBITDA at £0.2m, reflecting reinvestment of growth into the business and down from £1.0m in H1 FY25.
Cash balance of £2.6m, with access to an undrawn £3m RCF facility.
Outlook and guidance
Strong start to H2, with Q3 typically the strongest quarter due to partner year-ends and increased license revenue expected.
Focus remains on executing the plan, aiming to beat current year targets and maintain profitable growth.
Guidance for FY26 and beyond remains unchanged, with significant value inflection expected as ARR scales and operational leverage increases.
Board confident in delivering full-year expectations, supported by high demand and robust pipeline.
Continued strong commercial momentum into H2, with new enterprise deals and key partner signings.
When will H1 investment drive EBITDA growth?
Timeline for significant AI-driven revenue growth
Expected impact of self-serve model on TTR and market
Partial view of Summaries dataset, powered by Quartr API
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Next PCI-PAL earnings date
H2 202610 Sep, 2026
PCI-PAL
Next PCI-PAL earnings date
H2 202610 Sep, 2026
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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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