0.61%
3.12%
1.23%
-1.20%
72.96%
25.28%
-0.72%
AI Spotlight on PBEE
Company Description
PensionBee Group plc, a direct-to-consumer financial technology company, provides online pension services in the United Kingdom.The company's technology platform allows its customers to combine their pensions and invest in a range of online plans, forecast how much they are expected to have saved by the time they retire, and make withdrawals from their pensions.It also offers one-off ancillary and ad-hoc services, including pension splitting on divorce, early withdrawals owing to ill health, and full drawdown within one year of becoming an invested customer.
The company was founded in 2014 and is based in London, the United Kingdom.
Market Data
| Last Price | 165 |
| Change Percentage | 0.61% |
| Open | 161.9 |
| Previous Close | 164 |
| Market Cap ( Millions) | 390 |
| Volume | 141257 |
| Year High | 191 |
| Year Low | 84.19 |
| M A 50 | 157.75 |
| M A 200 | 161.0 |
Financial Ratios
| FCF Yield | -0.74% |
| Dividend Yield | 0.00% |
| ROE | -37.88% |
| Debt / Equity | 2.45% |
| Net Debt / EBIDTA | 221.28% |
| Price To Book | 28.66 |
| Price Earnings Ratio | -71.51 |
| Price To FCF | -135.33 |
| Price To sales | 13.76 |
| EV / EBITDA | -79.14 |
News
- Jan -22 - Top UK Penny Stocks To Watch In January 2025
- Jan -14 - UK Growth Stocks With High Insider Ownership In January 2025
- Dec -24 - 3 UK Penny Stocks With Market Caps Over £70M To Watch
- Dec -10 - 3 UK Growth Stocks With High Insider Ownership
- Nov -25 - November 2024 UK Penny Stocks To Watch
- Nov -11 - 3 High Growth UK Stocks With Significant Insider Ownership
- Oct -22 - UK Penny Stock Opportunities For October 2024
- Sep -02 - PensionBee Group First Half 2024 Earnings: UK£0.016 loss per share (vs UK£0.041 loss in 1H 2023)
- Jan -26 - PensionBee Group plc's (LON:PBEE) Shift From Loss To Profit
- Aug -10 - A-level leavers will be first generation paying off student loans after they retire
- Jun -11 - PensionBee Group (LON:PBEE) investors are sitting on a loss of 51% if they invested a year ago
- May -14 - PensionBee Group plc's (LON:PBEE) Profit Outlook
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Direct-to-consumer Online Pension
Expected Growth : 10.47 %
What the company do ?
Direct-to-consumer Online Pension from PensionBee Group plc allows individuals to consolidate and manage their pensions online, with low fees and flexible investment options.
Why we expect these perspectives ?
PensionBee's Direct-to-consumer Online Pension growth is driven by increasing demand for digital retirement solutions, rising awareness of pension planning, and the UK's auto-enrolment policy. Additionally, the platform's user-friendly interface, low fees, and flexible investment options appeal to tech-savvy consumers, contributing to its 10.47% growth.
Pensionbee Group Plc Products
| Product Range | What is it ? |
|---|---|
| BeeHive Plan | A personal pension plan that allows customers to consolidate their old pensions into one easy-to-manage online account. |
| Pension Consolidation | A service that helps customers to combine their old pensions into one new plan, making it easier to manage and track their savings. |
| Pension Transfer | A service that enables customers to transfer their existing pensions to a new plan, often with lower fees and better investment options. |
| Retirement Income | A service that provides customers with a sustainable income stream in retirement, using their pension savings. |
| Pension Advice | A service that provides customers with personalized pension advice and guidance, helping them make informed decisions about their retirement savings. |
PensionBee Group plc's Porter Forces
Threat Of Substitutes
PensionBee Group plc operates in a highly regulated industry, which limits the threat of substitutes. However, the rise of fintech companies and digital platforms may pose a moderate threat to the company's services.
Bargaining Power Of Customers
PensionBee Group plc's customers are primarily individual savers and retirees, who have limited bargaining power. The company's services are designed to be user-friendly and accessible, reducing the likelihood of customer switching.
Bargaining Power Of Suppliers
PensionBee Group plc's suppliers are primarily financial institutions and asset managers, who have limited bargaining power. The company's scale and market presence reduce its dependence on individual suppliers.
Threat Of New Entrants
The pension and retirement savings market is highly competitive, and new entrants may pose a significant threat to PensionBee Group plc's market share. The company's brand recognition and regulatory compliance may mitigate this threat to some extent.
Intensity Of Rivalry
The pension and retirement savings market is highly competitive, with several established players and new entrants vying for market share. PensionBee Group plc must differentiate its services and maintain a strong brand presence to remain competitive.
Strength
Capital Structure
| Value | |
|---|---|
| Debt Weight | 2.56% |
| Debt Cost | 6.01% |
| Equity Weight | 97.44% |
| Equity Cost | 6.01% |
| WACC | 6.01% |
| Leverage | 2.63% |
PensionBee Group plc : Quality Control
PensionBee Group plc passed 4 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| TRCS.L | Tracsis plc, together with its subsidiaries, provides software and hardware products, and consultancy services for the rail industry. The company operates in two segments, Rail Technology and Services; and Data, … |
| ALBFR.PA | Sidetrade SA provides AI-powered order-to-cash (O2C) software as a service platform in France and internationally. It offers Aimie, an AI-powered O2C assistant; Augmented Cash, a cash and credit management software … |
| IVU.DE | IVU Traffic Technologies AG develops, installs, maintains, and operates integrated IT solutions for buses and trains worldwide. The company offers IVU.suite and IVU.rail software and hardware systems that create timetables, … |
| LIME.ST | Lime Technologies AB (publ) provides software as a service (SaaS) based customer relationship management (CRM) solutions in the Nordic region. It develops, sells, implements, and supports CRM systems, as well … |
| SEYE.ST | Smart Eye AB (publ) develops eye tracking artificial intelligence technology solutions that understands, supports, and predicts human intentions and actions in Sweden and internationally. The company offers driver monitoring systems … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
🥇
IVU Traffic Technologies
A-Score
1-Year Total Return ->
🥈
Sidetrade
A-Score
1-Year Total Return ->
🥉
PensionBee
A-Score
1-Year Total Return ->
4
Lime Technologies
A-Score
1-Year Total Return ->
5
Tracsis
A-Score
1-Year Total Return ->
6
