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PensionBee Group (PBEE) investor relations material

PensionBee Group Q3 2025 TU earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q3 2025 TU earnings summary22 Oct, 2025

Executive summary

  • Achieved 41% year-over-year growth in new invested customers, reaching 300,000 at Q3 2025 end, with AUA up 27% to GBP 7 billion and ARR up 35% to GBP 46.4 million, driven by UK performance and early US expansion.

  • Group revenue rose 32% year-over-year to GBP 11.3 million for the quarter, with group adjusted EBITDA improving 62% to GBP 1.3 million and UK adjusted EBITDA at GBP 2.4 million.

  • UK remains the core market, with adjusted EBITDA profitability and 11,000 new customers onboarded in Q3.

  • US operations advanced with first brand campaign in 12 metro areas, successful $2 million in transfers, and launch of a 1% match program to accelerate asset growth.

  • Cash position strengthened to GBP 33.3 million, supporting ongoing growth and US investment.

Financial highlights

  • Group revenue: GBP 11.3 million in Q3 2025 (up 32% year-over-year); UK revenue: GBP 11.6 million (up 29%).

  • Group adjusted EBITDA: GBP 1.3 million (up 62%); UK adjusted EBITDA: GBP 2.4 million (up 59%).

  • Annual run rate revenue: GBP 46.4 million (up 35%); LTM group revenue: GBP 39.4 million (up 29%).

  • AUA: GBP 7.0 billion (up 27%); net flows: GBP 624 million for the nine months (down 10%).

  • Customer and AUA retention rates remained above 95%.

Outlook and guidance

  • Short/medium-term target: above GBP 100 million revenue and ~20% adjusted EBITDA margin by year-end 2029.

  • Long-term target: GBP 250 million revenue and ~50% adjusted EBITDA margin by year-end 2034.

  • Expects continued momentum in customer and AUA growth into Q4 and beyond.

  • UK to remain profitable while scaling, with increased marketing spend planned for Q4 2025 and 2026.

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Q4 2025 TU21 Jan, 2026
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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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