Download PDF

1. Company Snapshot

1.a. 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.

Show Full description

1.b. Last Insights on PBEE

PensionBee Group's recent performance was negatively impacted by a widening loss per share to UK£0.021 in the first half of 2025, compared to UK£0.016 in the same period last year. The UK market's downturn, influenced by weak trade data from China, has presented challenges for growth companies. Despite this, PensionBee's high insider ownership may signal confidence from those closest to the business. The company's recent earnings release highlighted increased losses, which may be a concern for investors.

1.c. Company Highlights

2. Transcript Summary

Unfortunately this company is not part of our coverage yet. But as part of your subscription plan you can request it by clicking just below and we'll process.

3. NewsRoom

Card image cap

Why your love life could be influencing your retirement planning

Dec -03

Card image cap

UK Growth Stocks With Strong Insider Ownership For November 2025

Nov -21

Card image cap

PensionBee Identifies Employer Communication as the Missing Link in Escalating Safe Harbor IRA Crisis

Nov -18

Card image cap

PensionBee Pledges 1% Match on up to $1 Billion of Customer Assets

Nov -10

Card image cap

PensionBee Joins Madison Square Garden as Official College Hoops Partner

Oct -27

Card image cap

3 UK Growth Stocks With High Insider Ownership Expecting 67% Earnings Growth

Oct -15

Card image cap

3 UK Penny Stocks With Market Caps Under £400M To Watch

Oct -14

Card image cap

3 UK Growth Companies With High Insider Ownership To Watch

Sep -16

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (10.47%)

6. Segments

Direct-to-consumer Online Pension

Expected Growth: 10.47%

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.

7. Detailed Products

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.

8. PensionBee Group plc's Porter Forces

Forces Ranking

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.

9. SWOT Analysis

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 2.56%
Debt Cost 6.01%
Equity Weight 97.44%
Equity Cost 6.01%
WACC 6.01%
Leverage 2.63%

11. Quality Control: PensionBee Group plc passed 4 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

Stock-Card
IVU Traffic Technologies

A-Score: 5.2/10

Value: 2.7

Growth: 5.0

Quality: 7.6

Yield: 1.9

Momentum: 8.5

Volatility: 5.7

1-Year Total Return ->

Stock-Card
Sidetrade

A-Score: 4.4/10

Value: 0.5

Growth: 8.0

Quality: 7.0

Yield: 0.0

Momentum: 7.0

Volatility: 4.0

1-Year Total Return ->

Stock-Card
Smart Eye

A-Score: 4.1/10

Value: 6.8

Growth: 4.6

Quality: 4.9

Yield: 0.0

Momentum: 7.5

Volatility: 1.0

1-Year Total Return ->

Stock-Card
Lime Technologies

A-Score: 3.8/10

Value: 0.9

Growth: 8.2

Quality: 7.3

Yield: 1.2

Momentum: 3.0

Volatility: 2.0

1-Year Total Return ->

Stock-Card
PensionBee

A-Score: 3.3/10

Value: 4.0

Growth: 7.9

Quality: 3.2

Yield: 0.0

Momentum: 2.0

Volatility: 3.0

1-Year Total Return ->

Stock-Card
Tracsis

A-Score: 2.9/10

Value: 4.8

Growth: 3.9

Quality: 5.2

Yield: 0.6

Momentum: 1.0

Volatility: 1.7

1-Year Total Return ->

Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

1.6$

Current Price

1.6$

Potential

-0.00%

Expected Cash-Flows