Pensionbee Group PLC (PBEE) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of Pensionbee Group PLC £0.15, price £1.28, upside -88.3%, quality 48 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range £0.4600 – £1.91 · fair‑value band £0.1000 – £0.1800 · the £1.28 price screens above the £0.1500 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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PensionBee Group plc provides online retirements saving services in the United Kingdom and the United States.
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PensionBee Group plc provides online retirements saving services in the United Kingdom and the United States. The company's technology platform allows its customers to combine their retirement savings and invest in a range of portfolios, make new contributions to their retirement account, forecast how much they are expected to have saved by the time they retire, and withdraw their savings through website and application. PensionBee Group plc was founded in 2014 and is based in London, the United Kingdom.
Stock analysis
Pensionbee Group PLC (PBEE) currently trades at £1.28, while our model-based Fair Value estimate is £0.1500, 88.3% below the price, so the stock looks overvalued today.
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Valuation
How firm this estimate is: it rests on 1 models at a data quality of 95/100, which puts the evidence level at low.
Scenario range: £0.1000 (bear) to £0.1800 (bull), the price of £1.28 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 48/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Pensionbee Group PLC reported revenue of £42.6M in FY2025 versus £12.8M in FY2021, a compound +35.2%/yr. Reported net income was −£2.9M in FY2025.
Key figures
Market cap 304M GBX · P/S ratio 6.97 · EPS (TTM) £−0.0100 · Net margin −6.7% · Return on equity −8.1% · Return on assets (EBIT) −43.8% · Operating margin 7.7% · Revenue (TTM) £42.6M.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades about 25% below its 52-week high and 7% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −15% fair-value upside, at −88%, PBEE screens richer than that median.
Fair Value models
Bear £0.1000Fair Value £0.1500Bull £0.1800
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.44/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+28.3%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+34.1%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+46.7%
Start year 2020 (pandemic)
Revenue growth 7 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+62.5%
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Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
−204.7% (2020) → −18.4% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Capital Markets · 456 stocks
Beats the industry median on 1/8 measures
Overall it trails its industry peers.
Valuation
Quality Score50 · Below median
Fair Value upside−88.3% · Bottom 25%
Profitability
Return on assets−5.8% · Bottom 25%
Net margin (TTM)−6.7% · Bottom 25%
Operating margin (TTM)7.7% · Below median
Growth and dividend
Revenue growth33.2% · Above median
Valuation Multiplesvs Capital Markets median · lower = cheaper
P/B11.12× · Priciest 25%
P/S (TTM)9.41× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 36
FUTURE (revenue growth)100· sector 94
PAST (return on equity)0· sector 32
HEALTH (low debt)0· sector 95
DIVIDEND (yield)0· sector 44
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Pensionbee Group PLC Fair Value". https://www.fairvalue-calculator.com/stock/PBEE
Frequently asked questions
Is Pensionbee Group PLC (PBEE) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of £0.1500 versus a price of £1.28, about −88% upside (overvalued).
What is the fair value of PBEE?
Our model-based fair value for Pensionbee Group PLC is £0.1500 (as of Sep 24, 2026), built from audited fundamentals. The current price: £1.28.
What is the quality score of PBEE?
Pensionbee Group PLC has a Quality Score of 48/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Pensionbee Group PLC (PBEE)?
Our model-based price target is the fair value of £0.1500 (as of Sep 24, 2026) from 1 valuation models. Cautious scenario £0.1000, optimistic scenario £0.1800. It is a calculation from audited fundamentals, not an analyst target.
What is the Pensionbee Group PLC stock forecast for 2026?
Our models put fair value at £0.1500, about −88% upside versus a price of £1.28 (overvalued). Cautious scenario £0.1000, optimistic scenario £0.1800. The calculation is refreshed regularly with new filings.
What is the revenue of Pensionbee Group PLC (PBEE)?
Pensionbee Group PLC reported trailing-twelve-month revenue of about £42.6M (latest available figure, as of Sep 24, 2026).
What is the intrinsic value of Pensionbee Group PLC (PBEE)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Pensionbee Group PLC it is £0.1500 per share (as of Sep 24, 2026), against a price of £1.28. It is the blended result of 1 valuation models (cash flow, earnings, asset, dividend).
Is Pensionbee Group PLC stock overvalued or undervalued in 2026?
As of Sep 24, 2026, PBEE trades above its calculated fair value: price £1.28, fair value £0.1500, a gap of about −88% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of PBEE?
No. The price is what the market pays today (£1.28); the fair value is what the company's own numbers justify (£0.1500). For Pensionbee Group PLC the two are £1.13 per share apart. That gap is exactly why we show both numbers side by side.
How much is Pensionbee Group PLC worth?
The market values Pensionbee Group PLC at about 304M GBX (market capitalisation, as of Sep 24, 2026). Per share that is £1.28; our models calculate a fair value of £0.1500 per share.
What do the bullish and bearish scenarios say about PBEE?
Our models span a range for Pensionbee Group PLC: cautious scenario £0.1000, base £0.1500, optimistic £0.1800 per share (as of Sep 24, 2026, price £1.28). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Pensionbee Group PLC (PBEE)?
Balance-sheet figures for Pensionbee Group PLC (as of Sep 24, 2026): return on equity −8.1%. They feed the Quality Score of 48/100, which measures business quality independently of the share price.
How far is PBEE from its 52-week high?
Pensionbee Group PLC trades at £1.28, about 25% below its 52-week high of £1.70 and 7% above the low of £1.20 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of £0.1500 is for.
Which stocks are comparable to Pensionbee Group PLC?
From the same area (Financial Services) we also value Morgan Stanley, a financial holding company,, The Goldman Sachs Group, The Charles Schwab Corporation, Interactive Brokers Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Pensionbee Group PLC stock attractive at the current price?
The data as of Sep 24, 2026: price £1.28, calculated fair value £0.1500 (−88%), Quality Score 48/100, from 1 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of PBEE calculated?
We run Pensionbee Group PLC through 1 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of £0.1500, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Pensionbee Group PLC itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Pensionbee Group PLC (PBEE)?
The closing price on Oct 2, 2026 was £1.28. Our model-based fair value is £0.1500, about −88% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Pensionbee Group PLC right now?
The price sits above even our optimistic bull case (£0.1800). The favourable scenario is already priced in. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid but not exceptional quality (48/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Pensionbee Group PLC
How large is the market capitalisation of Pensionbee Group PLC (PBEE)?
The market capitalisation of Pensionbee Group PLC is 304M GBX. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Pensionbee Group PLC (PBEE)?
The price-to-sales ratio of Pensionbee Group PLC is 6.97 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Pensionbee Group PLC (PBEE)?
Earnings per share at Pensionbee Group PLC are £−0.0100. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Pensionbee Group PLC (PBEE)?
The net margin of Pensionbee Group PLC is −6.7% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Pensionbee Group PLC (PBEE)?
The return on equity (ROE) of Pensionbee Group PLC is −8.1% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Pensionbee Group PLC (PBEE)?
On an EBIT basis the return on assets of Pensionbee Group PLC is −43.8% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Pensionbee Group PLC (PBEE)?
The operating margin of Pensionbee Group PLC is 7.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Pensionbee Group PLC (PBEE)?
Revenue at Pensionbee Group PLC is growing +33.2% versus a year earlier (3y avg +34.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Pensionbee Group PLC (PBEE)?
Earnings per share at Pensionbee Group PLC are growing +296% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Pensionbee Group PLC (PBEE) generate?
The free cash flow of Pensionbee Group PLC is −1.8M GBX (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Pensionbee Group PLC (PBEE) hold?
Pensionbee Group PLC holds more cash than debt, 32.5M GBX net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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