PCI-PAL PLC Logo

PCI-PAL PLC

PCIP.L

(0.5)
Stock Price

53,20 GBp

-22.94% ROA

85.75% ROE

-22.53x PER

Market Cap.

42.884.553,00 GBp

-1.63% DER

0% Yield

-22.91% NPM

PCI-PAL PLC Stock Analysis

PCI-PAL PLC Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

PCI-PAL PLC Fundamental Stock Analysis
# Analysis Rating
1 DER

The stock has a low debt to equity ratio (2%), which means it has a small amount of debt compared to the ownership it holds

2 ROE

Negative ROE (-138.23%) indicates poor financial performance, raising concerns about profitability and efficiency in utilizing shareholders' equity.

3 ROA

The stock's ROA (-35.66%) indicates that it's not effectively utilizing its assets to generate profits, making it a less favorable option to invest and earn consistent returns.

4 PBV

The stock's elevated P/BV ratio (6.42x) raises concerns about its overvaluation, making it an imprudent choice for investors seeking value.

5 Revenue Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

6 Net Profit Growth

This company's net profit has remained flat over the past five years, suggesting a lack of growth and making it a less attractive investment opportunity.

7 Assets Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

8 Graham Number

The Graham number calculation reveals that this company's stock price is potentially inflated, implying that it may not be a desirable investment option.

9 Dividend Growth

The company's dividend growth has shown no improvement in the past three years, making it a less attractive investment option for those seeking increasing returns.

10 Dividend

The company's decision to withhold dividends for three years raises questions about its ability to generate consistent returns.

11 Buffet Intrinsic Value

The company's stock presents a potential concern as it appears overvalued (0) by Warren Buffett's formula, indicating that its market price exceeds its estimated intrinsic value.

PCI-PAL PLC Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

PCI-PAL PLC Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

PCI-PAL PLC Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

PCI-PAL PLC Revenue
Year Revenue Growth
1999 198.000
2000 558.000 64.52%
2001 1.298.000 57.01%
2002 1.277.000 -1.64%
2003 1.735.000 26.4%
2004 2.619.000 33.75%
2005 2.922.000 10.37%
2006 3.572.000 18.2%
2007 3.947.000 9.5%
2008 3.973.000 0.65%
2009 4.604.000 13.71%
2010 5.246.000 12.24%
2011 6.748.000 22.26%
2012 8.076.158 16.45%
2013 9.123.387 11.48%
2014 6.486.941 -40.64%
2015 8.265.955 21.52%
2016 1.879.000 -339.91%
2017 2.136.000 12.03%
2018 2.817.000 24.17%
2019 4.396.000 35.92%
2020 4.396.000 0%
2020 7.362.000 40.29%
2021 11.937.000 38.33%
2022 14.518.000 17.78%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

PCI-PAL PLC Research and Development Expenses
Year Research and Development Expenses Growth
1999 0
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 107.000 100%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 183.000 100%
2019 433.000 57.74%
2020 0 0%
2020 595.000 100%
2021 803.000 25.9%
2022 946.000 15.12%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

PCI-PAL PLC General and Administrative Expenses
Year General and Administrative Expenses Growth
1999 0
2000 0 0%
2001 1.280.000 100%
2002 1.248.000 -2.56%
2003 867.000 -43.94%
2004 1.098.000 21.04%
2005 1.067.000 -2.91%
2006 1.417.000 24.7%
2007 1.600.000 11.44%
2008 1.769.000 9.55%
2009 1.868.000 5.3%
2010 2.184.000 14.47%
2011 2.568.000 14.95%
2012 3.001.749 14.45%
2013 3.203.618 6.3%
2014 2.629.023 -21.86%
2015 1.832.745 -43.45%
2016 2.510.000 26.98%
2017 4.747.000 47.12%
2018 6.129.000 22.55%
2019 6.710.000 8.66%
2020 6.710.000 0%
2020 9.373.000 28.41%
2021 12.104.000 22.56%
2022 14.888.000 18.7%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

PCI-PAL PLC EBITDA
Year EBITDA Growth
1999 -747.000
2000 -2.580.000 71.05%
2001 -691.000 -273.37%
2002 -839.000 17.64%
2003 -166.880 -402.76%
2004 -18.000 -827.11%
2005 209.000 108.61%
2006 445.000 53.03%
2007 522.000 14.75%
2008 170.000 -207.06%
2009 295.000 42.37%
2010 272.000 -8.46%
2011 680.000 60%
2012 727.749 6.56%
2013 1.010.567 27.99%
2014 -12.548 8153.61%
2015 256.514 104.89%
2016 -1.676.000 115.31%
2017 -3.593.000 53.35%
2018 -4.258.000 15.62%
2019 -3.680.000 -15.71%
2020 -3.665.000 -0.41%
2020 -3.257.000 -12.53%
2021 -2.134.000 -52.62%
2022 -3.218.000 33.69%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

PCI-PAL PLC Gross Profit
Year Gross Profit Growth
1999 169.000
2000 345.000 51.01%
2001 553.000 37.61%
2002 398.000 -38.94%
2003 697.000 42.9%
2004 984.000 29.17%
2005 1.240.000 20.65%
2006 1.769.000 29.9%
2007 1.976.000 10.48%
2008 1.772.000 -11.51%
2009 1.970.000 10.05%
2010 2.222.000 11.34%
2011 2.909.000 23.62%
2012 3.360.293 13.43%
2013 3.431.990 2.09%
2014 2.409.480 -42.44%
2015 1.883.427 -27.93%
2016 811.000 -132.24%
2017 985.000 17.66%
2018 1.698.000 41.99%
2019 3.043.000 44.2%
2020 3.043.000 0%
2020 5.557.000 45.24%
2021 10.013.000 44.5%
2022 12.618.000 20.65%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

PCI-PAL PLC Net Profit
Year Net Profit Growth
1999 -1.025.000
2000 -3.773.000 72.83%
2001 -421.000 -796.2%
2002 -788.000 46.57%
2003 -177.790 -343.22%
2004 -115.000 -54.6%
2005 171.000 167.25%
2006 404.000 57.67%
2007 573.000 29.49%
2008 5.000 -11360%
2009 99.000 94.95%
2010 67.000 -47.76%
2011 408.000 83.58%
2012 472.856 13.72%
2013 217.184 -117.72%
2014 -591.878 136.69%
2015 157.055 476.86%
2016 4.398.000 96.43%
2017 -3.744.000 217.47%
2018 -4.366.000 14.25%
2019 -4.129.000 -5.74%
2020 -4.129.000 0%
2020 -4.037.000 -2.28%
2021 -2.943.000 -37.17%
2022 -3.806.000 22.67%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

PCI-PAL PLC Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1999 0
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2020 0 0%
2021 0 0%
2022 0 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

PCI-PAL PLC Free Cashflow
Year Free Cashflow Growth
1999 -1.250.000
2000 -3.003.000 58.37%
2001 -1.171.000 -156.45%
2002 -572.000 -104.72%
2003 -142.260 -302.08%
2004 -111.000 -28.16%
2005 218.000 150.92%
2006 166.000 -31.33%
2007 -72.000 330.56%
2008 134.000 153.73%
2009 -43.000 411.63%
2010 -49.000 12.24%
2011 281.000 117.44%
2012 292.898 4.06%
2013 -1.121.417 126.12%
2014 126.226 988.42%
2015 -90.403 239.63%
2016 -2.553.000 96.46%
2017 -3.909.000 34.69%
2018 -4.551.000 14.11%
2019 -2.998.000 -51.8%
2020 -762.000 -293.44%
2020 -749.500 -1.67%
2021 -2.636.000 71.57%
2022 -1.128.500 -133.58%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

PCI-PAL PLC Operating Cashflow
Year Operating Cashflow Growth
1999 -517.000
2000 -2.680.000 80.71%
2001 -1.154.000 -132.24%
2002 -549.000 -110.2%
2003 -133.000 -312.78%
2004 -48.000 -177.08%
2005 240.000 120%
2006 318.000 24.53%
2007 200.000 -59%
2008 346.000 42.2%
2009 146.000 -136.99%
2010 425.000 65.65%
2011 369.000 -15.18%
2012 584.847 36.91%
2013 919.936 36.43%
2014 199.530 -361.05%
2015 91.202 -118.78%
2016 -1.950.000 104.68%
2017 -3.410.000 42.82%
2018 -3.877.000 12.05%
2019 -1.665.000 -132.85%
2020 198.000 940.91%
2020 -416.250 147.57%
2021 -1.366.000 69.53%
2022 -1.114.000 -22.62%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

PCI-PAL PLC Capital Expenditure
Year Capital Expenditure Growth
1999 733.000
2000 323.000 -126.93%
2001 17.000 -1800%
2002 23.000 26.09%
2003 9.260 -148.38%
2004 63.000 85.3%
2005 22.000 -186.36%
2006 152.000 85.53%
2007 272.000 44.12%
2008 212.000 -28.3%
2009 189.000 -12.17%
2010 474.000 60.13%
2011 88.000 -438.64%
2012 291.949 69.86%
2013 2.041.353 85.7%
2014 73.304 -2684.78%
2015 181.605 59.64%
2016 603.000 69.88%
2017 499.000 -20.84%
2018 674.000 25.96%
2019 1.333.000 49.44%
2020 960.000 -38.85%
2020 333.250 -188.07%
2021 1.270.000 73.76%
2022 14.500 -8658.62%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

PCI-PAL PLC Equity
Year Equity Growth
1999 4.070.000
2000 1.387.000 -193.44%
2001 966.000 -43.58%
2002 379.000 -154.88%
2003 202.460 -87.2%
2004 87.000 -132.71%
2005 259.000 66.41%
2006 735.000 64.76%
2007 1.308.000 43.81%
2008 1.313.000 0.38%
2009 1.412.000 7.01%
2010 1.588.000 11.08%
2011 1.996.000 20.44%
2012 2.458.678 18.82%
2013 2.551.451 3.64%
2014 1.912.241 -33.43%
2015 2.021.964 5.43%
2016 5.424.000 62.72%
2017 6.383.000 15.02%
2018 1.415.000 -351.1%
2019 1.912.000 25.99%
2020 3.929.000 51.34%
2021 185.000 -2023.78%
2022 -4.109.000 104.5%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

PCI-PAL PLC Assets
Year Assets Growth
1999 4.582.000
2000 2.531.000 -81.04%
2001 1.267.000 -99.76%
2002 799.000 -58.57%
2003 769.910 -3.78%
2004 627.000 -22.79%
2005 830.000 24.46%
2006 1.412.000 41.22%
2007 2.016.000 29.96%
2008 2.009.000 -0.35%
2009 2.064.000 2.66%
2010 2.589.000 20.28%
2011 3.221.000 19.62%
2012 3.559.284 9.5%
2013 4.783.182 25.59%
2014 4.118.087 -16.15%
2015 4.231.256 2.67%
2016 6.307.000 32.91%
2017 7.511.000 16.03%
2018 4.862.000 -54.48%
2019 9.254.000 47.46%
2020 13.687.000 32.39%
2021 12.954.000 -5.66%
2022 11.513.000 -12.52%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

PCI-PAL PLC Liabilities
Year Liabilities Growth
1999 512.000
2000 1.144.000 55.24%
2001 301.000 -280.07%
2002 420.000 28.33%
2003 567.450 25.98%
2004 540.000 -5.08%
2005 571.000 5.43%
2006 677.000 15.66%
2007 708.000 4.38%
2008 696.000 -1.72%
2009 652.000 -6.75%
2010 1.001.000 34.87%
2011 1.225.000 18.29%
2012 1.100.606 -11.3%
2013 2.231.731 50.68%
2014 2.205.846 -1.17%
2015 2.209.292 0.16%
2016 883.000 -150.2%
2017 1.128.000 21.72%
2018 3.447.000 67.28%
2019 7.342.000 53.05%
2020 9.758.000 24.76%
2021 12.769.000 23.58%
2022 15.622.000 18.26%

PCI-PAL PLC Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
0.11
Net Income per Share
-0.03
Price to Earning Ratio
-22.53x
Price To Sales Ratio
5.91x
POCF Ratio
-19.24
PFCF Ratio
-19
Price to Book Ratio
-10.43
EV to Sales
5.76
EV Over EBITDA
-25.97
EV to Operating CashFlow
-18.75
EV to FreeCashFlow
-18.51
Earnings Yield
-0.04
FreeCashFlow Yield
-0.05
Market Cap
0,04 Bil.
Enterprise Value
0,04 Bil.
Graham Number
0.2
Graham NetNet
-0.22

Income Statement Metrics

Net Income per Share
-0.03
Income Quality
1.17
ROE
0.26
Return On Assets
-0.35
Return On Capital Employed
0.73
Net Income per EBT
0.88
EBT Per Ebit
2.1
Ebit per Revenue
-0.12
Effective Tax Rate
0.12

Margins

Sales, General, & Administrative to Revenue
1.03
Research & Developement to Revenue
0.07
Stock Based Compensation to Revenue
0.02
Gross Profit Margin
0.81
Operating Profit Margin
-0.12
Pretax Profit Margin
-0.26
Net Profit Margin
-0.23

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
-0.03
Free CashFlow per Share
-0.03
Capex to Operating CashFlow
0.01
Capex to Revenue
-0
Capex to Depreciation
-0.3
Return on Invested Capital
0.43
Return on Tangible Assets
-0.23
Days Sales Outstanding
0
Days Payables Outstanding
678.52
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0.54
Inventory Turnover
0
Capex per Share
-0

Balance Sheet

Cash per Share
0,02
Book Value per Share
-0,06
Tangible Book Value per Share
-0.11
Shareholders Equity per Share
-0.06
Interest Debt per Share
0
Debt to Equity
-0.02
Debt to Assets
0.01
Net Debt to EBITDA
0.68
Current Ratio
0.55
Tangible Asset Value
-0,01 Bil.
Net Current Asset Value
-0,01 Bil.
Invested Capital
-0.02
Working Capital
-0,01 Bil.
Intangibles to Total Assets
0.28
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

PCI-PAL PLC Dividends
Year Dividends Growth
2013 0
2014 0 0%
2015 0 0%
2016 3 100%

PCI-PAL PLC Profile

About PCI-PAL PLC

PCI-PAL PLC, through its subsidiaries, 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. It offers data secure payment card authorizations for call center operations; and Agent Assist, a PCI compliant solution to enhance contact center customer experience. The company also provides IVR payments solution that empowers customers to make payments 24/7; Rapid Remote, a PCI compliant business continuity payment service; and PCI Pal Digital, an omnichannel secure payment solution. It serves clients in utilities, leisure, financial services, retail, logistics, and public sectors, as well as business process outsourcers and not for profit organizations. The company was formerly known as IPPlus plc and changed its name to PCI-PAL PLC in October 2016. PCI-PAL PLC was incorporated in 1999 and is headquartered in Ipswich, the United Kingdom.

CEO
Mr. James Christopher Barham
Employee
121
Address
7 Gamma Terrace
Ipswich, IP3 9FF

PCI-PAL PLC Executives & BODs

PCI-PAL PLC Executives & BODs
# Name Age
1 Mr. Darren Gill
Chief Revenue Officer
70
2 Ms. Jane Goodayle
Chief Marketing Officer
70
3 Mr. Mufti Monim
Chief Technology Officer
70
4 Rachael Drouet
Head of People & Development
70
5 Mr. Geoffrey Forsyth
Chief Information Security Officer
70
6 Ms. Sadie Sangster
Senior Vice President of Customer Success
70
7 Ms. Adrienne Brophy
General Counsel
70
8 Mr. James Christopher Barham
Chief Executive Officer & Executive Director
70
9 Mr. Thomas William Good A.C.M.A., ACMA, B.A., CGMA
Chief Financial Officer, Secretary & Executive Director
70

PCI-PAL PLC Competitors