# PensionBee Group plc (PBEE.L) fundamentals

Data as of 2026-09-08. LSE, United Kingdom. Sector: Technology / Software. Price 140p, market value 334 millionp.

## Valuation
- **P/E (trailing): 35.0×**. PensionBee Group plc trades at 35.0× trailing earnings. The Technology median in the September 2026 study was 32.1×. Forward P/E is 135.4×, higher than trailing, so analysts expect earnings to fall.
- **PEG: 10.38**. A PEG of 10.38 means the P/E is high relative to expected earnings growth; the price already assumes a lot.
- **Price / sales: 4.4×**. Each dollar of revenue is priced at 4.4×.
- **Price / book: 7.2×**. The shares trade at 7.2× book value; most of the value is in earnings power and intangibles rather than the balance sheet.
- **Free-cash-flow yield: 0.6%** (5-yr avg -0.1%). Free cash flow equals 0.6% of the market value, above its five-year average of -0.1%, so the shares are cheaper on cash than they have usually been.
- **Earnings yield: 2.9%**. The inverse of the P/E: 2.9% of the price is earned each year.

## Profitability
- **Gross margin: 78.7%**. PensionBee Group plc keeps 78.7% of revenue after the direct cost of what it sells, the kind of margin that comes with software, brands or pricing power.
- **Operating margin: -14.6%**. Operating margin is negative: the business loses money before interest and tax.
- **Net margin: -6.7%**. The company reported a net loss over the last twelve months.
- **Return on equity: -7.9%**. Return on equity is negative because earnings are negative.
- **Return on invested capital: -310.8%**. Return on all capital, debt included, is -310.8%: close to or below the cost of capital, so growth may not create value.
- **Return on assets: -14.9%**. Each dollar of assets produces -14.9% of profit.

## Growth
- **Revenue growth (1 yr): 28.3%** (3-yr 34.1%/yr, 5-yr 46.7%/yr). Revenue grew 28.3% over the last year, against 46.7% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): 13.0%**. Earnings per share rose 13.0%, slower than revenue, so margins compressed.

## Financial health
- **Debt to equity: 0.00**. Debt is 0.00 times equity: a conservative balance sheet.
- **Net debt / EBITDA: 3.1×**. It would take 3.1 years of operating earnings to repay net borrowings, above the 3× level most lenders treat as comfortable.
- **Interest coverage: -283.2×**. Operating profit covers interest only -283.2×: fragile.
- **Current ratio: 9.34** (quick 9.34). Current assets cover the next year's liabilities 9.34 times.
- **Altman Z-score: 50.13**. A Z-score of 50.13 places the company in the safe zone for bankruptcy risk.
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.

## Dividends
- **Dividend: none**. PensionBee Group plc does not currently pay a dividend, but it returned -5.8% of its market value through buybacks over the last year.

## Price and momentum
- **Total return (1 yr): -7.7%** (YTD -14.8%, 3-mo 1.5%). The shares are down 7.7% over twelve months including dividends.
- **From 52-week high: -17.9%** (17.6% above the low). Trading 18% below its 52-week high.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 53**. An RSI of 53 is neutral.
- **Beta (1 yr): 0.60** (volatility 35%). Beta of 0.60 against the FTSE All-Share: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=PBEE.L · Page: https://foliofundamentals.com/stocks/pbee.l

Not investment advice.