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PensionBee Group (PBEE) investor relations material

PensionBee Group H1 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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H1 2025 earnings summary14 Aug, 2025

Executive summary

  • Achieved 14% year-over-year growth in Invested Customers to 286,000 and 21% growth in Assets under Administration (AUA) to £6.3bn as of June 2025, driven by strong net flows and high retention rates above 95%.

  • Revenue increased 23% year-over-year to £18.9m, with Annual Run Rate Revenue reaching £39.8m, supported by a stable revenue margin of 0.63%.

  • UK business delivered ongoing Adjusted EBITDA profitability, while US operations focused on foundational investments and brand building, with US marketing spend fully reimbursed by State Street.

  • Group Adjusted EBITDA was £(2.9)m, reflecting continued investment in US expansion; Group loss before tax widened to £(5.1)m.

  • Cash position strengthened to £34m following a £20m capital raise in October 2024.

Financial highlights

  • Revenue for H1 2025: £18.9m (H1 2024: £15.4m), up 23% year-over-year.

  • Adjusted EBITDA: £(2.9)m (H1 2024: £(2.0)m); Adjusted EBITDA margin: (15)% (H1 2024: (13)%).

  • Profit/(Loss) before tax: £(5.1)m (H1 2024: £(3.8)m); Basic EPS: (2.14)p (H1 2024: (1.64)p).

  • Cash and cash equivalents at 30 June 2025: £34.1m (H1 2024: £10.9m).

  • Employee benefits expense rose 23% to £7.1m, reflecting workforce expansion, mainly for US operations.

Outlook and guidance

  • Reiterates ambition to reach >£100m Group Revenue and c.20% Adjusted EBITDA margin by 2029, and >£250m Revenue and c.50% margin by 2034.

  • UK expected to maintain Adjusted EBITDA profitability for full year 2025; US to accelerate marketing and product development in H2 2025.

  • No dividends planned as focus remains on reinvestment for growth.

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Frequently asked questions

PensionBee Group PLC is an online pension provider that specializes in offering direct-to-consumer pension services. The company leverages technology to enable customers to consolidate their pensions into a single plan, invest in a variety of online plans, and make predictions about their retirement savings. Furthermore, PensionBee offers tools for customers to forecast their expected savings by retirement and to withdraw funds from the age of 55. Customers can easily transfer their existing pensions into the PensionBee Personal Pension, make one-off or regular contributions, and utilize a retirement calculator to plan their retirement income based on various assumptions. PensionBee Group PLC is headquartered in London, United Kingdom, and its shares are listed on the London Stock Exchange.

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