)
Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
Quartr Pro provides real time alerts, trend analysis and live coverage, giving analysts and investors instant insights to act faster in earnings.
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.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.
Assess US marketing spend impact on customer growth.
How does AI enhance the customer experience?
Explain the deviation from CPIC target.
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next PensionBee Group earnings date
Q3 2025 TU22 Oct, 2025
Next PensionBee Group earnings date
Q3 2025 TU22 Oct, 2025
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
Related articles
)
Edge3 Oct 2025
Epiroc: A Culture of Moving Mountains
From automation to electrification, Swedish industrial giant Epiroc is leading a transformation in how the world mines.
)
Company Research22 Sep 2025
Moody's: Shaping Global Credit
Explore Moody's evolution from publishing manuals to becoming a giant in credit ratings, guiding issuers, investors, and regulators worldwide.
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.
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