PCI-PAL PLC (PCIP) fair value: what the stock is really worth
As of Oct 28, 2026: fair value (intrinsic value) of PCI-PAL PLC stock £0.33, price £0.74, upside -55.1%, quality 63 out of 100. Rating: strongly overvalued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
Fair value 30%+ above price?No
Quality 50+?Yes
In an uptrend?Yes
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Oct 28, 2026.
How to read this chart
60‑month range £0.3950 – £0.9750 · fair‑value band £0.2100 – £0.5600 · the £0.7350 price screens above the £0.3300 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Oct 28, 2026.
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PCI-PAL PLC, through its subsidiaries, engages in the provision of payment card industry (PCI) compliance solutions and telephony services primarily in the United Kingdom, the United States, Canada, rest of Europe, and the Asia Pacific.
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It offers data secure payment card authorizations for call center operations; and Agent Assist, a PCI compliant solution for agents on live calls to enhance contact center customer experience.
The company also provides PCI Pal Digital Payments, a solution that offers secure multi-payment methods with digital payments for contact centres; PCI Pal interactive voice recognition and intelligent virtual assistant/agent payments solution that enables customers to make payments 24/7; and Speech Recognition solution, detects primary speaker even in noisy environments, discerning languages, accents, and regional dialects with high precision.
It serves clients in utilities, leisure, financial services, retail, logistics, and government sectors, as well as business process outsourcers and not for profit organizations. PCI-PAL PLC 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 based in Ipswich, United Kingdom.
Stock analysis
PCI-PAL PLC (PCIP) currently trades at £0.7350, while our model-based Fair Value estimate is £0.3300, 55.1% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Growth DCF group reads highest at a median of £0.3500 per share, and 0 of the 18 models we run sit above the £0.7350 price.
Bear case: the DCF Models group reads lowest at £0.3300, and 18 of the 18 models stay below the price. Data coverage for this calculation is low.
Scenario range: £0.2100 (bear) to £0.5600 (bull), the price of £0.7350 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 63/100 (solid quality), in the Technology sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
PCI-PAL PLC reported revenue of £22.5M in FY2025 versus £7.4M in FY2021, a compound +32.2%/yr. Reported net income was £41.0K in FY2025.
Key figures
Market cap £50.2M Micro · P/S ratio 2.30 · EPS (TTM) £−0.0100 · Net margin −2.1% · Return on equity −713% · Return on assets (EBIT) −21.4% · Operating margin −7.5% · Revenue (TTM) £23.2M.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 15 out of 100 (low confidence).
What moves the price
The share trades about 6% below its 52-week high and 71% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Technology peers we cover trades at −29% fair-value upside, at −55%, PCIP screens richer than that median.
Fair Value models
Bear£0.2100Fair Value £0.3300Bull£0.5600
Price £0.7350 · Upside -55.1%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models.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.Coverage ⓘCoverage = 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.85/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+25.2%
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.
+23.5%
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.
+38.6%
Start year 2020 (pandemic). Over 10 years: +13.2% a year
Revenue growth 25 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.
+20.8%
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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.
−95.5% (2020) → −0.9% (2025)
Growth Forecast
A lot of optimism in the price
The price assumes less growth than the company has delivered so far and more than analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+29.8%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+8.6%
Yearly sales growth analysts expect, extended to five years.
After inflation (UK: IMF forecast 2.3% a year to 2030, 3.3% from 2016 to 2025) that is about +26.8% a year for the price and +6.2% for the forecasts.
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.Software - Infrastructure · 344 stocks
Beats the industry median on 2/8 measures
Overall it trails its industry peers.
Valuation
Quality Score63 · Above median
Fair Value upside−55.1% · Bottom 25%
Profitability
Return on equity (12 months)Negative equity ⓘThe company's equity is below zero, for example after large share buybacks. A ratio to negative equity has no meaning, so we show no number here and do not rank it against the peer group.
Return on assets0.3% · Below median
Net margin (12 months)−2.1% · Below median
Operating margin (12 months)−7.5% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY)6.9% · Below median
Balance sheet
Debt / equityNegative equity ⓘThe company's equity is below zero, for example after large share buybacks. A ratio to negative equity has no meaning, so we show no number here and do not rank it against the peer group.
Valuation Multiplesvs Software - Infrastructure median · lower = cheaper
P/BNegative equity ⓘThe company's equity is below zero, for example after large share buybacks. A ratio to negative equity has no meaning, so we show no number here and do not rank it against the peer group.
P/S (12 months)2.16× · Cheaper than median
Price / free cash flow45.4× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 22
FUTURE (revenue growth)35· sector 59
PAST (return on equity)0· sector 23
HEALTH (low debt)0· sector 98
DIVIDEND (yield)0· sector 28
VALUE 0: the price sits above our fair-value range.
PAST 0: with negative equity (buybacks among others) return on equity is not meaningfully computable.
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). "PCI-PAL PLC Fair Value". https://www.fairvalue-calculator.com/stock/PCIP
Frequently asked questions
Is PCI-PAL PLC (PCIP) overvalued or undervalued?
As of Oct 28, 2026, our model estimates a fair value of £0.3300 versus a price of £0.7350, about −55% upside (overvalued).
What is the fair value of PCIP?
Our model-based fair value for PCI-PAL PLC is £0.3300 (as of Oct 28, 2026), built from audited fundamentals. The current price: £0.7350.
What is the quality score of PCIP?
PCI-PAL PLC has a Quality Score of 63/100. 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 PCI-PAL PLC (PCIP)?
Our model-based price target is the fair value of £0.3300 (as of Oct 28, 2026) from 18 valuation models. Cautious scenario £0.2100, optimistic scenario £0.5600. It is a calculation from audited fundamentals, not an analyst target.
What is the PCI-PAL PLC stock forecast for 2026?
Our models put fair value at £0.3300, about −55% upside versus a price of £0.7350 (overvalued). Cautious scenario £0.2100, optimistic scenario £0.5600. The calculation is refreshed regularly with new filings.
What is the revenue of PCI-PAL PLC (PCIP)?
PCI-PAL PLC reported trailing-twelve-month revenue of about £23.2M (latest available figure, as of Oct 28, 2026).
What growth is priced into PCI-PAL PLC (PCIP)?
For today's price to be fair in a discounted-cash-flow model, PCI-PAL PLC would have to grow free cash flow by +29.8 % per year for five years (discount rate 11.8 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +38.6 % per year. As of Oct 28, 2026.
What discount rate (WACC) does the fair value of PCIP use?
Our models discount PCI-PAL PLC at 11.8 %: a base by market capitalisation (micro), damped by beta 0.50, country premium for United Kingdom. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For PCI-PAL PLC that is +29.8 % per year a year over ten years, using the same discount rate (11.8 %) and the same formula as our fair value.
How much growth has PCI-PAL PLC (PCIP) delivered so far?
Over the past 5 years revenue at PCI-PAL PLC grew +38.6 % a year. The price currently implies +29.8 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of PCI-PAL PLC (PCIP) growing?
The median revenue growth in the sector is +10.8 % a year. That is the yardstick for the growth priced into PCI-PAL PLC (+29.8 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of PCI-PAL PLC (PCIP)?
The free-cash-flow yield on the price is 2.20 %: that much free cash flow PCI-PAL PLC produces per unit of market value. When it exceeds the discount rate of our models (11.8 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of PCI-PAL PLC (PCIP)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For PCI-PAL PLC it is £0.3300 per share (as of Oct 28, 2026), against a price of £0.7350. It is the blended result of 18 valuation models (cash flow, earnings, asset, dividend).
Is PCI-PAL PLC stock overvalued or undervalued in 2026?
As of Oct 28, 2026, PCIP trades above its calculated fair value: price £0.7350, fair value £0.3300, a gap of about −55% (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 PCIP?
No. The price is what the market pays today (£0.7350); the fair value is what the company's own numbers justify (£0.3300). For PCI-PAL PLC the two are £0.4050 per share apart. That gap is exactly why we show both numbers side by side.
How much is PCI-PAL PLC worth?
The market values PCI-PAL PLC at about £50.2M (market capitalisation, as of Oct 28, 2026). Per share that is £0.7350; our models calculate a fair value of £0.3300 per share.
What do the bullish and bearish scenarios say about PCIP?
Our models span a range for PCI-PAL PLC: cautious scenario £0.2100, base £0.3300, optimistic £0.5600 per share (as of Oct 28, 2026, price £0.7350). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of PCI-PAL PLC (PCIP)?
Balance-sheet figures for PCI-PAL PLC (as of Oct 28, 2026): negative equity, so no return on equity and no debt-to-equity ratio. They feed the Quality Score of 63/100, which measures business quality independently of the share price.
How far is PCIP from its 52-week high?
PCI-PAL PLC trades at £0.7350, about 6% below its 52-week high of £0.7800 and 71% above the low of £0.4300 (as of Oct 28, 2026). Distance from the high says nothing about value: that is what the fair value of £0.3300 is for.
Which stocks are comparable to PCI-PAL PLC?
From the same area (Technology) we also value Microsoft Corporation, Palantir Technologies Inc, Oracle Corporation, Palo Alto Networks, Inc, 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 PCI-PAL PLC stock attractive at the current price?
The data as of Oct 28, 2026: price £0.7350, calculated fair value £0.3300 (−55%), Quality Score 63/100, from 18 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 PCIP calculated?
We run PCI-PAL PLC through 18 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 £0.3300, 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 13.4 % above its aggregate fair value. PCI-PAL 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 PCI-PAL PLC (PCIP)?
The closing price on Oct 28, 2026 was £0.7350. Our model-based fair value is £0.3300, about −55% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with PCI-PAL PLC right now?
The price sits above even our optimistic bull case (£0.5600). The favourable scenario is already priced in. The model range is unusually wide (£0.2100 to £0.5600). The outcome hinges heavily on assumptions, so read the point estimate with caution. 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 (63/100) and above fair value, neither a clear bargain nor a standout compounder.
Key figures of PCI-PAL PLC
How large is the market capitalisation of PCI-PAL PLC (PCIP)?
The market capitalisation of PCI-PAL PLC is £50.2M. 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 PCI-PAL PLC (PCIP)?
The price-to-sales ratio of PCI-PAL PLC is 2.30 (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 PCI-PAL PLC (PCIP)?
Earnings per share at PCI-PAL 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 PCI-PAL PLC (PCIP)?
The net margin of PCI-PAL PLC is −2.1% (last twelve months). 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 PCI-PAL PLC (PCIP)?
The return on equity (ROE) of PCI-PAL PLC is −713% (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 PCI-PAL PLC (PCIP)?
On an EBIT basis the return on assets of PCI-PAL PLC is −21.4% (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 PCI-PAL PLC (PCIP)?
The operating margin of PCI-PAL PLC is −7.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at PCI-PAL PLC (PCIP)?
Revenue at PCI-PAL PLC is growing +6.9% versus a year earlier (3y avg +23.5%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much net cash does PCI-PAL PLC (PCIP) hold?
PCI-PAL PLC holds more cash than debt, £3.9M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Thin data
Oct 28, 2026