What is PCI-PAL PLC's (PCIP.L) StockRank?

MoatMap's StockRank for PCI-PAL PLC (PCIP.L) is 37/100, with a Hold signal. This is a composite score combining Quality (27), Value (54), and Momentum (46) factor ranks across MoatMap's 19,000+ stock universe.

Does PCI-PAL PLC have an economic moat?

PCI-PAL PLC (PCIP.L) has a Quality factor score of 27/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is PCI-PAL PLC a buy, hold, or sell?

MoatMap's current signal for PCI-PAL PLC (PCIP.L) is Hold, based on a StockRank of 37/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.

What sector is PCI-PAL PLC in?

PCI-PAL PLC (PCIP.L) operates in the Technology sector, specifically the Software - Infrastructure industry (United Kingdom).

Company Deep Dive

Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.

Request Deep Dive(50 Feathers)

PCIP.L

HOLDREMOVE

PCI-PAL PLC · Technology · United Kingdom · $49M · Avg Vol: $21K/d

StockRank

P/E (TTM)

—

ROE

—

D/E

—

Dividend %

—

Director Trades · 180d

None in 180d →

Buybacks · 180d

None in 180d →

AI CONVICTION THESIS

PCI-PAL PLC is a microcap cloud security and payment compliance provider. While it operates an asset-light model, it lacks the scale, liquidity, and direct macroeconomic tailwinds required for a high-conviction position in our concentrated book.

COMPANY DESCRIPTION

PCI-PAL PLC is a leading provider of SaaS-based secure payment solutions for contact centers, ensuring compliance with PCI DSS regulations. The company's cloud-native platform integrates seamlessly with global telephony and CRM systems, allowing organizations to securely handle cardholder data during phone, chat, and social media interactions. Its competitive moat is defined by deep integration partnerships with major cloud communications providers and high switching costs for enterprise clients.

FINANCIAL SUMMARY

Year	2022	2023	2024	2025	CAGR
Revenue	16M	20M	24M	30M	23.5%
EPS	-0.06	-0.10	-0.02	0.00	—
Shares	66M	66M	72M	73M	+10.7%
Debt	146,334	89,949	30,878	49,673	-30.2%
Equity	-306,094	-6M	-3M	-2M	—
Op CF	-2M	-3M	2M	2M	-35.6%
Inv CF	-2M	-2M	-3M	-2M	—
Fin CF	6,713	-56,386	5M	119,484	—

PRICE (1M)-9.4%

SMA 50SMA 200

$0.62

RSI (14)

21.1

52W High

$0.81

From 52W High

0.8%

SCORE BREAKDOWN

Quality

ROIC

-71.7%2.0

ROE

—N/A

GP/Assets

128.0%97.5

Op. Margin

-7.4%17.3

FCF/Assets

-10.7%11.7

Piotroski

—18.9

Int. Cover

-2.2x20.9

D/E Ratio

—N/A

Current Ratio

0.59x2.2

Value

P/E (TTM)

—N/A

EV/EBITDA

-61.7x92.9

P/FCF

—N/A

P/B

-17.1x99.2

P/S

1.4x71.9

Div Yield

—N/A

Momentum

52W High %

77%53.6

RS 6M

-18%47.7

SMA 50/200

0.97x35.0

EPS Rev 4W

—N/A

EPS Rev 12W

—N/A

EPS Improve

+145%66.6

Q Growth

—N/A

FUNDAMENTALS

Market Cap

$49M

P/E (Forward)

102.0x

Gross Margin

88.3%

SECTOR PEERS

Closest peers in Technology, ranked by industry match, size, and score similarity. Cross-listings of PCIP.L are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
PCIP.L	PCI-PAL PLC(you)	$49M	37	HOLD
IOM.L	iomart Group plc	$26M	36	HOLD
CNS.L	Corero Network Security plc	$76M	51	HOLD
BKS.L	Beeks Financial Cloud Group plc	$136M	25	SELL
BGO.L	Bango PLC	$60M	7	STRONG SELL
DAVA	Endava plc	$170M	25	SELL
INSG.L	Insig AI Plc	$28M	5	STRONG SELL
PSFE	Paysafe Limited	$395M	37	HOLD
NCC.L	NCC Group plc	$527M	33	SELL
GRRR	Gorilla Technology Group Inc.	$491M	50	HOLD

Peer medians: ROE 3.7% · P/E 30.0x · Gross margin 56.9%

PCI-PAL PLC (PCIP.L) — Stock Score Summary

PCI-PAL PLC (PCIP.L) has a MoatMap StockRank of 37/100 based on Quality (27/100), Value (54/100), and Momentum (46/100) factor scores. The current signal is HOLD. PCI-PAL PLC is a microcap cloud security and payment compliance provider. While it operates an asset-light model, it lacks the scale, liquidity, and direct macroeconomic tailwinds required for a high-conviction position in our concentrated book.

Key Financial Metrics

Price	$0.62
Market Cap	$49M
P/E (Forward)	102.03
Price/Book	-17.12
Return on Invested Capital	-71.7%
Gross Margin	88.3%
Operating Margin	-7.4%
Revenue Growth	6.9%
Free Cash Flow	$-3M

PCI-PAL PLC operates in the Software - Infrastructure industry, part of the Technology sector (United Kingdom).

Frequently Asked Questions

What is PCI-PAL PLC’s (PCIP.L) StockRank?: MoatMap’s StockRank for PCI-PAL PLC (PCIP.L) is 37/100, with a Hold signal. It is a composite of Quality (27), Value (54), and Momentum (46) factor ranks across MoatMap’s 19,000+ stock universe.
Does PCI-PAL PLC have an economic moat?: PCI-PAL PLC (PCIP.L) has a Quality factor score of 27/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is PCI-PAL PLC a buy, hold, or sell?: MoatMap’s current signal for PCI-PAL PLC (PCIP.L) is Hold, based on a StockRank of 37/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is PCI-PAL PLC in?: PCI-PAL PLC (PCIP.L) operates in the Technology sector, specifically the Software - Infrastructure industry (United Kingdom).