Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
PensionBee Group plc is a public limited company specializing in direct-to-consumer online pension services, primarily in the United Kingdom with expanding operations in the United States. Founded in 2014 by CEO Romi Savova and CTO Jonathan Lister Parsons, it simplifies retirement savings by enabling customers to consolidate multiple old pension pots into a single, easy-to-manage online account via its app and website. Customers can make flexible contributions, invest according to personal goals and values—such as fossil fuel-free, impact, or Shariah-compliant plans—and access withdrawals or drawdown options seamlessly. The company partners with leading asset managers like BlackRock and State Street, offering diverse portfolios while generating revenue through a fixed percentage fee on assets under administration, which recently surpassed £7 billion for over 286,000 invested customers. Operating in the financial services sector under capital markets, PensionBee emphasizes technology-driven innovation, customer-centric design, and sustainability, including climate-focused plans and stewardship activities. With a 200-strong team across London and New York, it drives pension confidence, financial inclusion, and better retirement outcomes through scalable platforms and regulatory compliance with the FCA and SEC.
£1.28
£0.03 (-2.66%)
EOD Jul 3, 2026
The business is unprofitable at the operating level (-8.89% margin). The thesis depends entirely on whether and when it reaches sustainable profitability.
Revenue grew 28.3%, still solid. Free cash flow declined 159% despite revenue growth, conversion is weakening.
Free cash flow declined 159% versus the prior year, cash generation momentum has weakened. Negative free cash flow of -£2M. The business is consuming cash, not generating it.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
£43M
▲ +28.3% YoY
Net Income (TTM)
-£3M
▲ +9.1% YoY
Op. Margin
-8.89%
▲ +0.1pp YoY
ROIC
-8.46%
▲ +1.0pp YoY
Cash Flow & Balance Sheet
FCF (TTM)
-£2M
▼ -158.5% YoY
Op. Cash Flow (TTM)
£330K
▼ -91.2% YoY
Net Debt
-£32M
Net Cash Position
Cash & Equiv.
£33M
3Y CAGR: +34.1%
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PensionBee Group (PBEE.XLON)'s valuation is best read against its own history, its peers, and the growth its price implies. A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, PensionBee Group scores 40/100 on Intrinsiqq's quality scorecard (a mixed business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. All figures are computed from SEC filings; read the full . This is analysis, not investment advice.
PensionBee Group scores 40 out of 100 on Intrinsiqq's quality score, a weighted blend of 6 metrics each scored 0 to 100, which makes it a mixed business on these measures. Recent fundamentals include a -8.9% operating margin and a -8.5% return on invested capital. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
That depends on valuation and quality together, not either alone. you should weigh PBEE.XLON's valuation and scores 40/100 on quality (mixed). A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.