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PCI-PAL Reports Strong H1 Results with Transition to Profitability

Why we think this is good

PCI-PAL has demonstrated a significant turnaround in its financial performance, transitioning from losses to profitability. The company reported an adjusted EBITDA profit of £0.95m, compared to a loss in the previous year, and achieved an adjusted profit before tax. Revenue growth was robust at 26%, with recurring revenues making up 91% of total revenue. The company's ARR increased by 21%, indicating strong business momentum. Customer retention remains high with a 95% gross retention rate, and new business sales are up 19%. While there are execution risks associated with international expansion and product development plans, the overall financial health and growth trajectory of the company appear positive. The stable cash position and access to additional debt facilities provide financial flexibility for future growth initiatives.

Key Points

  • Revenue increased 26% to £10.57m
  • Adjusted EBITDA profit of £0.95m, up from £0.07m loss last year
  • Recurring revenues now 91% of total revenue
  • ARR grew 21% to £16.8 million
  • New business ACV up 19% to £1.9m
  • Gross margin improved to 90%
  • Customer retention strong with 95% gross retention rate
  • Stable cash position of £4.00 million
  • Access to £3.00 million undrawn debt facility
  • Plans for international expansion and product development
  • Continued momentum in new business sales into H2

Summary

The secure payment solutions provider reported a strong first half, transitioning to profitability with a 26% revenue increase and improved margins. New business momentum and international expansion plans signal potential for continued growth.

PCI-PAL PLC reported strong results for the first half of FY2025, marking a significant transition to profitability. Key highlights include:

  • Revenue up 26% to £10.57m (H1 FY24: £8.42m)
  • Adjusted EBITDA profit of £0.95m, compared to a loss of £0.07m in the previous year
  • Recurring revenues increased to 91% of Group revenue (2023: 89%)
  • ARR grew 21% to £16.8 million
  • New business ACV up 19% to £1.9m
  • Gross margin improved to 90% (H1 FY24: 89%)
  • Strong customer retention with GRR at 95%

The company maintains a stable cash position of £4.00 million with access to an additional £3.00 million debt facility. PCI-PAL is focusing on international expansion and product development to drive future growth. While execution risks exist, the overall financial health and growth trajectory appear positive.

Key Dates

March 6, 2025
Investor presentation to cover results and prospects
Late 2025
Expected launch of first AI product features
2025
First hires in mainland Europe expected
HALF YEAR