PCI-PAL PLC Logo

PCI-PAL PLC

PCIP.L

(0.5)
Stock Price

66,50 GBp

-51.04% ROA

85.75% ROE

-8.87x PER

Market Cap.

34.351.247,00 GBp

-5.36% 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
2000 198.000
2001 558.000 64.52%
2002 1.298.000 57.01%
2003 1.277.000 -1.64%
2004 1.735.000 26.4%
2005 2.619.000 33.75%
2006 2.922.000 10.37%
2007 3.572.000 18.2%
2008 3.947.000 9.5%
2009 3.973.000 0.65%
2010 4.604.000 13.71%
2011 5.246.000 12.24%
2012 6.748.000 22.26%
2013 8.076.157 16.45%
2014 8.391.893 3.76%
2015 6.486.941 -29.37%
2016 1.103.000 -488.12%
2017 1.879.000 41.3%
2018 2.007.000 6.38%
2019 2.817.000 28.75%
2020 4.396.000 35.92%
2020 4.396.000 0%
2021 7.362.000 40.29%
2022 14.518.000 49.29%
2022 11.937.000 -21.62%
2023 14.945.000 20.13%
2024 34.944.000 57.23%

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
2000 0
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 107.000 100%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 123.078 100%
2014 457.048 73.07%
2015 136.128 -235.75%
2016 138.000 1.36%
2017 0 0%
2018 107.000 100%
2019 183.000 41.53%
2020 0 0%
2020 433.000 100%
2021 595.000 27.23%
2022 946.000 37.1%
2022 803.000 -17.81%
2023 961.000 16.44%
2024 0 0%

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
2000 0
2001 0 0%
2002 1.280.000 100%
2003 1.248.000 -2.56%
2004 867.000 -43.94%
2005 1.098.000 21.04%
2006 1.067.000 -2.91%
2007 1.417.000 24.7%
2008 1.600.000 11.44%
2009 1.769.000 9.55%
2010 1.868.000 5.3%
2011 2.184.000 14.47%
2012 2.568.000 14.95%
2013 2.635.649 2.57%
2014 2.562.769 -2.84%
2015 1.520.762 -68.52%
2016 1.224.000 -24.25%
2017 2.487.000 50.78%
2018 4.498.000 44.71%
2019 6.129.000 26.61%
2020 6.710.000 8.66%
2020 6.710.000 0%
2021 8.778.000 23.56%
2022 14.888.000 41.04%
2022 12.139.000 -22.65%
2023 14.480.000 16.17%
2024 30.752.000 52.91%

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
2000 -747.000
2001 -2.580.000 71.05%
2002 -691.000 -273.37%
2003 -839.000 17.64%
2004 -166.880 -402.76%
2005 -18.000 -827.11%
2006 209.000 108.61%
2007 445.000 53.03%
2008 522.000 14.75%
2009 170.000 -207.06%
2010 295.000 42.37%
2011 272.000 -8.46%
2012 680.000 60%
2013 601.566 -13.04%
2014 549.068 -9.56%
2015 -9.821 5690.75%
2016 -655.000 98.5%
2017 -1.676.000 60.92%
2018 -3.749.000 55.29%
2019 -4.614.000 18.75%
2020 -3.665.000 -25.89%
2020 -3.652.000 -0.36%
2021 -2.671.000 -36.73%
2022 -3.218.000 17%
2022 -2.123.000 -51.58%
2023 -1.384.000 -53.4%
2024 436.000 417.43%

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
2000 169.000
2001 345.000 51.01%
2002 553.000 37.61%
2003 398.000 -38.94%
2004 697.000 42.9%
2005 984.000 29.17%
2006 1.240.000 20.65%
2007 1.769.000 29.9%
2008 1.976.000 10.48%
2009 1.772.000 -11.51%
2010 1.970.000 10.05%
2011 2.222.000 11.34%
2012 2.909.000 23.62%
2013 3.360.292 13.43%
2014 3.239.201 -3.74%
2015 1.531.614 -111.49%
2016 569.000 -169.18%
2017 811.000 29.84%
2018 856.000 5.26%
2019 1.515.000 43.5%
2020 3.043.000 50.21%
2020 2.499.000 -21.77%
2021 4.817.000 48.12%
2022 12.618.000 61.82%
2022 9.040.000 -39.58%
2023 11.940.000 24.29%
2024 31.184.000 61.71%

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
2000 -1.025.000
2001 -3.773.000 72.83%
2002 -421.000 -796.2%
2003 -788.000 46.57%
2004 -177.790 -343.22%
2005 -115.000 -54.6%
2006 171.000 167.25%
2007 404.000 57.67%
2008 573.000 29.49%
2009 5.000 -11360%
2010 99.000 94.95%
2011 67.000 -47.76%
2012 408.000 83.58%
2013 472.856 13.72%
2014 301.890 -56.63%
2015 -538.022 156.11%
2016 -859.000 37.37%
2017 -1.699.000 49.44%
2018 -3.775.000 54.99%
2019 -4.366.000 13.54%
2020 -4.129.000 -5.74%
2020 -4.128.999 -0%
2021 -4.037.000 -2.28%
2022 -3.806.000 -6.07%
2022 -2.943.000 -29.32%
2023 -4.892.000 39.84%
2024 -3.092.000 -58.21%

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
2000 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%
2022 0 0%
2023 0 0%
2024 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
2000 -1.250.000
2001 -3.003.000 58.37%
2002 -1.171.000 -156.45%
2003 -572.000 -104.72%
2004 -142.260 -302.08%
2005 -111.000 -28.16%
2006 218.000 150.92%
2007 166.000 -31.33%
2008 -72.000 330.56%
2009 134.000 153.73%
2010 -43.000 411.63%
2011 -49.000 12.24%
2012 281.000 117.44%
2013 450.870 37.68%
2014 -869.069 151.88%
2015 173.558 600.74%
2016 -44.000 494.45%
2017 -1.061.000 95.85%
2018 -3.453.000 69.27%
2019 -3.904.000 11.55%
2020 -2.997.000 -30.26%
2020 -749.500 -299.87%
2021 -762.000 1.64%
2022 -2.635.000 71.08%
2022 -1.128.500 -133.5%
2023 -3.677.000 69.31%
2024 266.000 1482.33%

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
2000 -517.000
2001 -2.680.000 80.71%
2002 -1.154.000 -132.24%
2003 -549.000 -110.2%
2004 -133.000 -312.78%
2005 -48.000 -177.08%
2006 240.000 120%
2007 318.000 24.53%
2008 200.000 -59%
2009 346.000 42.2%
2010 146.000 -136.99%
2011 425.000 65.65%
2012 369.000 -15.18%
2013 584.847 36.91%
2014 1.014.597 42.36%
2015 246.862 -311%
2016 138.000 -78.89%
2017 -953.000 114.48%
2018 -3.410.000 72.05%
2019 -3.877.000 12.05%
2020 -1.664.000 -132.99%
2020 -416.250 -299.76%
2021 198.000 310.23%
2022 -1.365.000 114.51%
2022 -1.114.000 -22.53%
2023 -2.019.000 44.82%
2024 286.000 805.94%

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
2000 733.000
2001 323.000 -126.93%
2002 17.000 -1800%
2003 23.000 26.09%
2004 9.260 -148.38%
2005 63.000 85.3%
2006 22.000 -186.36%
2007 152.000 85.53%
2008 272.000 44.12%
2009 212.000 -28.3%
2010 189.000 -12.17%
2011 474.000 60.13%
2012 88.000 -438.64%
2013 133.977 34.32%
2014 1.883.666 92.89%
2015 73.304 -2469.66%
2016 182.000 59.72%
2017 108.000 -68.52%
2018 43.000 -151.16%
2019 27.000 -59.26%
2020 1.333.000 97.97%
2020 333.250 -300%
2021 960.000 65.29%
2022 1.270.000 24.41%
2022 14.500 -8658.62%
2023 1.658.000 99.13%
2024 20.000 -8190%

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
2000 4.070.000
2001 1.387.000 -193.44%
2002 966.000 -43.58%
2003 379.000 -154.88%
2004 202.460 -87.2%
2005 87.000 -132.71%
2006 259.000 66.41%
2007 735.000 64.76%
2008 1.308.000 43.81%
2009 1.313.000 0.38%
2010 1.412.000 7.01%
2011 1.588.000 11.08%
2012 1.996.000 20.44%
2013 2.458.678 18.82%
2014 2.551.451 3.64%
2015 1.912.241 -33.43%
2016 2.021.999 5.43%
2017 5.424.000 62.72%
2018 5.807.000 6.6%
2019 1.415.000 -310.39%
2020 1.912.000 25.99%
2021 3.929.000 51.34%
2022 185.000 -2023.78%
2023 -4.109.000 104.5%
2024 -4.665.000 11.92%

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
2000 4.582.000
2001 2.531.000 -81.04%
2002 1.267.000 -99.76%
2003 799.000 -58.57%
2004 769.910 -3.78%
2005 627.000 -22.79%
2006 830.000 24.46%
2007 1.412.000 41.22%
2008 2.016.000 29.96%
2009 2.009.000 -0.35%
2010 2.064.000 2.66%
2011 2.589.000 20.28%
2012 3.221.000 19.62%
2013 3.559.284 9.5%
2014 4.783.182 25.59%
2015 4.118.087 -16.15%
2016 4.231.000 2.67%
2017 6.307.000 32.92%
2018 7.649.000 17.54%
2019 4.862.000 -57.32%
2020 9.254.000 47.46%
2021 13.687.000 32.39%
2022 12.954.000 -5.66%
2023 11.513.000 -12.52%
2024 10.862.000 -5.99%

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
2000 512.000
2001 1.144.000 55.24%
2002 301.000 -280.07%
2003 420.000 28.33%
2004 567.450 25.98%
2005 540.000 -5.08%
2006 571.000 5.43%
2007 677.000 15.66%
2008 708.000 4.38%
2009 696.000 -1.72%
2010 652.000 -6.75%
2011 1.001.000 34.87%
2012 1.225.000 18.29%
2013 1.100.606 -11.3%
2014 2.231.731 50.68%
2015 2.205.846 -1.17%
2016 2.209.000 0.14%
2017 883.000 -150.17%
2018 1.842.000 52.06%
2019 3.447.000 46.56%
2020 7.342.000 53.05%
2021 9.758.000 24.76%
2022 12.769.000 23.58%
2023 15.622.000 18.26%
2024 15.527.000 -0.61%

PCI-PAL PLC Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
0.25
Net Income per Share
-0.06
Price to Earning Ratio
-8.87x
Price To Sales Ratio
2.09x
POCF Ratio
67.72
PFCF Ratio
-81.98
Price to Book Ratio
-7.16
EV to Sales
2.06
EV Over EBITDA
-46.82
EV to Operating CashFlow
68.57
EV to FreeCashFlow
-80.68
Earnings Yield
-0.11
FreeCashFlow Yield
-0.01
Market Cap
0,03 Bil.
Enterprise Value
0,03 Bil.
Graham Number
0.3
Graham NetNet
-0.17

Income Statement Metrics

Net Income per Share
-0.06
Income Quality
-0.13
ROE
0.86
Return On Assets
-0.35
Return On Capital Employed
0.71
Net Income per EBT
0.88
EBT Per Ebit
2.18
Ebit per Revenue
-0.12
Effective Tax Rate
-0.12

Margins

Sales, General, & Administrative to Revenue
0.9
Research & Developement to Revenue
0.03
Stock Based Compensation to Revenue
0.02
Gross Profit Margin
0.85
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
0.01
Free CashFlow per Share
-0.01
Capex to Operating CashFlow
1.85
Capex to Revenue
0.06
Capex to Depreciation
0.73
Return on Invested Capital
0.5
Return on Tangible Assets
-0.51
Days Sales Outstanding
114.67
Days Payables Outstanding
351.31
Days of Inventory on Hand
0
Receivables Turnover
3.18
Payables Turnover
1.04
Inventory Turnover
0
Capex per Share
0.01

Balance Sheet

Cash per Share
0,01
Book Value per Share
-0,07
Tangible Book Value per Share
-0.12
Shareholders Equity per Share
-0.07
Interest Debt per Share
0.01
Debt to Equity
-0.05
Debt to Assets
0.02
Net Debt to EBITDA
0.75
Current Ratio
0.44
Tangible Asset Value
-0,01 Bil.
Net Current Asset Value
-0,01 Bil.
Invested Capital
-4068000
Working Capital
-0,01 Bil.
Intangibles to Total Assets
0.32
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0.5
Debt to Market Cap
0.01

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. Geoffrey Forsyth
Chief Information Security Officer
70
2 Mr. Rawdon Quentin Revers
Secretary
70
3 Ms. Jane Goodayle
Chief Marketing Officer
70
4 Ms. Adrienne Brophy
General Counsel
70
5 Mr. Mufti Monim
Chief Technology Officer
70
6 Mr. Darren Gill
Chief Revenue Officer
70
7 Rachael Drouet
Head of People & Development
70
8 Mr. James Christopher Barham
Chief Executive Officer & Executive Director
70
9 Angus Reger
Group Financial Controller & Interim Chief Financial Officer
70

PCI-PAL PLC Competitors