Cash flow PensionBee Group plc

Equities

PBEE

GB00BNDRLN84

Investment Management & Fund Operators

Market Closed - London S.E. Other stock markets 16:35:08 16/07/2025 BST			5-day change	1st Jan Change
166.50 ^GBX	0.00%		-1.48%	+3.74%

06-04	Asure Software, PensionBee Collaborate on Small Business Retirement Rollovers	MT
06-04	Asure Software Partners with PensionBee to Offer Retirement Account Rollover Services to Small and Mid-Sized Businesses	CI

6dd36599e014f9ee2.UFvp5QSoiYvtpLZ-PGCd1C1YskdX2US6r0-ElJklKB0.KjKfkT36vcio-8xGRCzHuh9v9ysamHzD4Cvh889JbVBkGLO6bMn4u53dwQ

Published financial data: PENSIONBEE GROUP PLC

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Revenues	6.27M	12.75M	17.66M	23.82M	33.2M
Total Revenues	6.27M	12.75M	17.66M	23.82M	33.2M
Cost of Goods Sold, Total	6.65M	11.39M	11.45M	14.48M	15.77M
Gross Profit	-381K	1.37M	6.21M	9.33M	17.44M
Selling General & Admin Expenses, Total	8.22M	12.86M	16.55M	9.72M	9.88M
Depreciation & Amortization - (IS)	240K	256K	276K	288K	289K
Other Operating Expenses	3.98M	8.85M	11.07M	10.02M	10.27M
Other Operating Expenses, Total	12.45M	21.97M	27.9M	20.02M	20.44M
Operating Income	-12.83M	-20.61M	-21.69M	-10.69M	-3M
Interest Expense, Total	-11K	-7K	-46K	-36K	-26K
Interest And Investment Income	-	-	-	-	102K
Net Interest Expenses	-11K	-7K	-46K	-36K	76K
Other Non Operating Income (Expenses)	-637K	-4.36M	-687K	6K	-
EBT, Excl. Unusual Items	-13.48M	-24.97M	-22.42M	-10.72M	-2.92M
Gain (Loss) On Sale Of Assets	-7K	-10K	-	-	-
Other Unusual Items	-	-	-	-	-222K
EBT, Incl. Unusual Items	-13.48M	-24.98M	-22.42M	-10.72M	-3.15M
Income Tax Expense	-220K	-348K	-274K	-150K	-11K
Earnings From Continuing Operations	-13.26M	-24.63M	-22.15M	-10.57M	-3.14M
Net Income to Company	-13.26M	-24.63M	-22.15M	-10.57M	-3.14M
Net Income - (IS)	-13.26M	-24.63M	-22.15M	-10.57M	-3.14M
Net Income to Common Incl Extra Items	-13.26M	-24.63M	-22.15M	-10.57M	-3.14M
Net Income to Common Excl. Extra Items	-13.26M	-24.63M	-22.15M	-10.57M	-3.14M
Per Share Items
Net EPS - Basic	-0.08	-0.12	-0.1	-0.05	-0.01
Basic EPS - Continuing Operations	-0.08	-0.12	-0.1	-0.05	-0.01
Basic Weighted Average Shares Outstanding	173M	208M	222M	224M	227M
Net EPS - Diluted	-0.08	-0.12	-0.1	-0.05	-0.01
Diluted EPS - Continuing Operations	-0.08	-0.12	-0.1	-0.05	-0.01
Diluted Weighted Average Shares Outstanding	173M	208M	222M	224M	227M
Normalized Basic EPS	-0.05	-0.08	-0.06	-0.03	-0.01
Normalized Diluted EPS	-0.05	-0.08	-0.06	-0.03	-0.01
Supplemental Items
EBITDA	-12.71M	-20.48M	-21.55M	-10.54M	-2.86M
EBITA	-12.83M	-20.61M	-21.69M	-10.69M	-3M
EBIT	-12.83M	-20.61M	-21.69M	-10.69M	-3M
EBITDAR	-12.7M	-	-	-	-
Effective Tax Rate - (Ratio)	1.63	1.39	1.22	1.4	0.35
Current Domestic Taxes	-194K	-348K	-274K	-150K	-11K
Total Current Taxes	-194K	-348K	-274K	-150K	-11K
Deferred Domestic Taxes	-26K	-	-	-	-
Total Deferred Taxes	-26K	-	-	-	-
Normalized Net Income	-8.42M	-15.61M	-14.01M	-6.7M	-1.83M
Interest on Long-Term Debt	11K	7K	43K	33K	22K
Supplemental Operating Expense Items
Advertising Expense	8.22M	12.86M	16.55M	9.72M	9.88M
Marketing Expenses	-	-	-	-	-
Selling and Marketing Expenses	8.22M	12.86M	16.55M	9.72M	9.88M
Research And Development Expense From Footnotes	-	-	-	-	3K
Net Rental Expense, Total	6K	-	-	-	-
Imputed Operating Lease Interest Expense	2.96K	-	-	-	-
Imputed Operating Lease Depreciation	3.04K	-	-	-	-
Stock-Based Comp., COGS (Total)	2.17M	3.94M	1.9M	2.18M	3.15M
Stock-Based Comp., Other (Total)	-	-	-	-	-
Total Stock-Based Compensation	2.17M	3.94M	1.9M	2.18M	3.15M

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	6.74M	43.52M	21.32M	12.21M	35M
Total Cash And Short Term Investments	6.74M	43.52M	21.32M	12.21M	35M
Accounts Receivable, Total	708K	1.34M	1.56M	2.24M	3.04M
Other Receivables	438K	949K	944K	206K	82K
Total Receivables	1.15M	2.28M	2.51M	2.45M	3.12M
Prepaid Expenses	360K	887K	903K	1.9M	2.1M
Total Current Assets	8.24M	46.69M	24.73M	16.56M	40.22M
Gross Property Plant And Equipment	690K	1.15M	1.51M	1.6M	1.7M
Accumulated Depreciation	-377K	-335K	-595K	-884K	-1.16M
Net Property Plant And Equipment	313K	819K	911K	717K	546K
Other Intangibles, Total	-	-	-	-	264K
Other Long-Term Assets, Total	-	-	-	147K	243K
Total Assets	8.56M	47.51M	25.64M	17.42M	41.27M
Liabilities
Accounts Payable, Total	749K	356K	132K	269K	111K
Accrued Expenses, Total	1.2M	1.96M	1.3M	1.5M	2.26M
Current Portion of Leases	109K	97K	154K	106K	167K
Unearned Revenue Current, Total	-	-	-	-	4.13M
Other Current Liabilities	42K	716K	83K	68K	77K
Total Current Liabilities	2.1M	3.12M	1.67M	1.94M	6.74M
Long-Term Leases	-	560K	397K	292K	125K
Deferred Tax Liability Non Current	-	-	-	-	-
Other Non Current Liabilities	-	43K	46K	49K	53K
Total Liabilities	2.1M	3.73M	2.11M	2.28M	6.92M
Common Stock, Total	-	221K	223K	224K	236K
Additional Paid In Capital	30.32M	53.22M	53.22M	53.22M	72.44M
Retained Earnings	-28.24M	-17.98M	-40.12M	-50.69M	-53.83M
Comprehensive Income and Other	4.38M	8.32M	10.22M	12.4M	15.5M
Total Common Equity	6.46M	43.78M	23.53M	15.14M	34.35M
Total Equity	6.46M	43.78M	23.53M	15.14M	34.35M
Total Liabilities And Equity	8.56M	47.51M	25.64M	17.42M	41.27M
Supplemental Items
ECS Total Shares Outstanding on Filing Date	345M	222M	223M	224M	236M
ECS Total Common Shares Outstanding	345M	222M	223M	224M	236M
Book Value / Share	0.02	0.2	0.11	0.07	0.15
Tangible Book Value	6.46M	43.78M	23.53M	15.14M	34.09M
Tangible Book Value Per Share	0.02	0.2	0.11	0.07	0.14
Total Debt	109K	657K	551K	398K	292K
Net Debt	-6.63M	-42.86M	-20.77M	-11.82M	-34.7M
Debt Equivalent Oper. Leases	48K	-	-	-	-
Account Code - Inventory Valuation	-	3	3	3	3
Machinery, Total	269K	325K	424K	478K	580K
Full Time Employees	-	177	208	198	204

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	-13.26M	-24.63M	-22.15M	-10.57M	-3.14M
Depreciation & Amortization - CF	240K	256K	276K	288K	286K
Depreciation & Amortization, Total	240K	256K	276K	288K	286K
Amortization of Deferred Charges, Total - (CF)	-	-	-	-	3K
(Gain) Loss From Sale Of Asset	7K	10K	-	-	-
Stock-Based Compensation (CF)	2.17M	3.94M	1.9M	2.18M	3.15M
Other Operating Activities, Total	197K	1.07M	-34K	509K	80K
Change In Accounts Receivable	-627K	-1.28M	-162K	-1.55M	-994K
Change In Accounts Payable	831K	997K	-1.51M	318K	4.74M
Change in Other Net Operating Assets	-	-	-	-	-118K
Cash from Operations	-10.44M	-19.64M	-21.68M	-8.82M	4.02M
Capital Expenditure	-75K	-69K	-367K	-96K	-117K
Sale (Purchase) of Intangible assets	-	-	-	-	-267K
Other Investing Activities, Total	-	-6K	-	-	-
Cash from Investing	-75K	-75K	-367K	-96K	-384K
Long-Term Debt Repaid, Total	-150K	-1.52M	-151K	-186K	-106K
Total Debt Repaid	-150K	-1.52M	-151K	-186K	-106K
Issuance of Common Stock	7.21M	59.76M	-	-	20M
Other Financing Activities, Total	-	-1.75M	-	-	-784K
Cash from Financing	7.06M	56.5M	-151K	-186K	19.11M
Foreign Exchange Rate Adjustments	-	-	-	-	39K
Net Change in Cash	-3.46M	36.78M	-22.2M	-9.11M	22.78M
Supplemental Items
Cash Interest Paid	-	-	-	-	22K
Cash Income Tax Paid (Refund)	-406K	-	-194K	-623K	-150K
Levered Free Cash Flow	-5.27M	-9.39M	-13.53M	-4.95M	5.03M
Unlevered Free Cash Flow	-5.26M	-9.38M	-13.5M	-4.92M	5.05M
Change In Net Working Capital	-416K	628K	1.75M	617K	-3.87M
Net Debt Issued / Repaid	-150K	-1.52M	-151K	-186K	-106K

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	-78.9	-45.94	-37.06	-31.02	-6.39
Return on Total Capital	-93.53	-50.5	-39.56	-33.72	-7.47
Return On Equity %	-158.01	-98.06	-65.8	-54.65	-12.67
Return on Common Equity	-158.01	-98.06	-65.8	-54.65	-12.67
Margin Analysis
Gross Profit Margin %	-6.08	10.72	35.16	39.19	52.51
SG&A Margin	131.19	100.88	93.73	40.8	29.76
EBITDA Margin %	-202.71	-160.58	-122.02	-44.26	-8.6
EBITA Margin %	-204.66	-161.58	-122.79	-44.88	-9.04
EBIT Margin %	-204.66	-161.58	-122.79	-44.88	-9.04
Income From Continuing Operations Margin %	-211.6	-193.14	-125.39	-44.38	-9.44
Net Income Margin %	-211.6	-193.14	-125.39	-44.38	-9.44
Net Avail. For Common Margin %	-211.6	-193.14	-125.39	-44.38	-9.44
Normalized Net Income Margin	-134.37	-122.37	-79.34	-28.13	-5.51
Levered Free Cash Flow Margin	-84.07	-73.59	-76.61	-20.77	15.15
Unlevered Free Cash Flow Margin	-83.96	-73.56	-76.44	-20.67	15.2
Asset Turnover
Asset Turnover	0.62	0.45	0.48	1.11	1.13
Fixed Assets Turnover	15.71	22.53	20.42	29.26	52.58
Receivables Turnover (Average Receivables)	11.44	12.48	12.18	12.52	12.58
Short Term Liquidity
Current Ratio	3.92	14.94	14.82	8.54	5.96
Quick Ratio	3.75	14.66	14.28	7.56	5.65
Operating Cash Flow to Current Liabilities	-4.97	-6.28	-12.99	-4.55	0.6
Days Sales Outstanding (Average Receivables)	32	29.24	29.97	29.16	29.08
Average Days Payable Outstanding	22.6	17.71	7.78	5.05	4.41
Long Term Solvency
Total Debt/Equity	1.69	1.5	2.34	2.63	0.85
Total Debt / Total Capital	1.66	1.48	2.29	2.56	0.84
LT Debt/Equity	-	1.28	1.69	1.93	0.36
Long-Term Debt / Total Capital	-	1.26	1.65	1.88	0.36
Total Liabilities / Total Assets	24.55	7.85	8.24	13.08	16.77
EBIT / Interest Expense	-1.17K	-2.94K	-471.46	-296.92	-115.42
EBITDA / Interest Expense	-1.14K	-2.91K	-465.46	-288.92	-104.42
(EBITDA - Capex) / Interest Expense	-1.15K	-2.92K	-473.43	-291.58	-108.92
Total Debt / EBITDA	-0.01	-0.03	-0.03	-0.04	-0.11
Net Debt / EBITDA	0.53	2.11	0.97	1.14	12.78
Total Debt / (EBITDA - Capex)	-0.01	-0.03	-0.03	-0.04	-0.1
Net Debt / (EBITDA - Capex)	0.52	2.1	0.95	1.13	12.25
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	76.81	103.46	38.49	34.85	39.41
Gross Profit, 1 Yr. Growth %	-326.79	-458.79	354.28	50.31	86.79
EBITDA, 1 Yr. Growth %	86.25	61.18	5.24	-51.09	-72.9
EBITA, 1 Yr. Growth %	86.62	60.63	5.25	-50.71	-71.92
EBIT, 1 Yr. Growth %	86.62	60.63	5.25	-50.71	-71.92
Earnings From Cont. Operations, 1 Yr. Growth %	74.7	85.71	-10.09	-52.28	-70.33
Net Income, 1 Yr. Growth %	74.7	85.71	-10.09	-52.28	-70.33
Normalized Net Income, 1 Yr. Growth %	95.45	85.28	-10.21	-52.19	-72.71
Diluted EPS Before Extra, 1 Yr. Growth %	-99.78	54.52	-15.95	-52.56	-70.72
Accounts Receivable, 1 Yr. Growth %	82.47	88.56	17.23	43.13	35.58
Net Property, Plant and Equip., 1 Yr. Growth %	-35.46	161.66	11.23	-21.3	-23.85
Total Assets, 1 Yr. Growth %	-27.3	455.32	-46.02	-32.05	136.86
Tangible Book Value, 1 Yr. Growth %	-37.53	578.23	-46.25	-35.64	125.07
Common Equity, 1 Yr. Growth %	-37.53	578.23	-46.25	-35.64	126.81
Cash From Operations, 1 Yr. Growth %	102.38	88.09	10.39	-59.29	-145.51
Capital Expenditures, 1 Yr. Growth %	-68.22	-8	431.88	-73.84	21.88
Levered Free Cash Flow, 1 Yr. Growth %	148.63	78.11	44.17	-63.44	-201.68
Unlevered Free Cash Flow, 1 Yr. Growth %	149.85	78.26	43.93	-63.53	-202.47
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	109.8	89.67	67.86	36.66	37.11
Gross Profit, 2 Yr. CAGR %	347.8	185.25	303.72	161.31	67.56
EBITDA, 2 Yr. CAGR %	93.71	73.26	30.24	-28.25	-63.59
EBITA, 2 Yr. CAGR %	94.01	73.14	30.02	-27.98	-62.8
EBIT, 2 Yr. CAGR %	94.01	73.14	30.02	-27.98	-62.8
Earnings From Cont. Operations, 2 Yr. CAGR %	106.18	80.12	29.22	-34.49	-62.37
Net Income, 2 Yr. CAGR %	106.18	80.12	29.22	-34.49	-62.37
Normalized Net Income, 2 Yr. CAGR %	98.85	90.3	28.98	-34.48	-63.88
Diluted EPS Before Extra, 2 Yr. CAGR %	-	-94.22	13.96	-36.86	-62.73
Accounts Receivable, 2 Yr. CAGR %	122.51	85.49	48.68	29.53	39.3
Net Property, Plant and Equip., 2 Yr. CAGR %	119.44	29.95	70.6	-6.43	-22.58
Total Assets, 2 Yr. CAGR %	-9.47	100.92	73.13	-39.44	26.86
Tangible Book Value, 2 Yr. CAGR %	-20.38	105.84	90.93	-41.18	20.36
Common Equity, 2 Yr. CAGR %	-20.38	105.84	90.93	-41.18	20.82
Cash From Operations, 2 Yr. CAGR %	73.76	95.1	44.09	-32.96	-56.96
Capital Expenditures, 2 Yr. CAGR %	5.02	-45.93	121.21	17.95	-43.54
Levered Free Cash Flow, 2 Yr. CAGR %	-	110.43	60.24	-27.4	-39.03
Unlevered Free Cash Flow, 2 Yr. CAGR %	-	111.04	60.17	-27.55	-38.87
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	-	107.67	70.79	56.05	37.57
Gross Profit, 3 Yr. CAGR %	-	315.92	233.11	190.43	133.64
EBITDA, 3 Yr. CAGR %	-	82.2	46.73	-6.03	-48.14
EBITA, 3 Yr. CAGR %	-	82.18	46.67	-5.9	-47.39
EBIT, 3 Yr. CAGR %	-	82.18	46.67	-5.9	-47.39
Earnings From Cont. Operations, 3 Yr. CAGR %	-	99.12	42.88	-7.29	-49.69
Net Income, 3 Yr. CAGR %	-	99.12	42.88	-7.29	-49.69
Normalized Net Income, 3 Yr. CAGR %	-	94.22	48.15	-7.35	-51.07
Diluted EPS Before Extra, 3 Yr. CAGR %	-	-	-85.89	-14.91	-51.13
Accounts Receivable, 3 Yr. CAGR %	-	110.56	59.18	46.8	31.52
Net Property, Plant and Equip., 3 Yr. CAGR %	-	132.7	23.38	31.82	-12.64
Total Assets, 3 Yr. CAGR %	-	65.72	29.65	26.76	-4.58
Tangible Book Value, 3 Yr. CAGR %	-	62.61	31.57	32.88	-8
Common Equity, 3 Yr. CAGR %	-	62.61	31.57	32.88	-7.77
Cash From Operations, 3 Yr. CAGR %	-	78.41	61.37	-5.45	-41.08
Capital Expenditures, 3 Yr. CAGR %	-	0.49	15.86	8.58	19.25
Levered Free Cash Flow, 3 Yr. CAGR %	-	-	85.51	-2.09	-18.78
Unlevered Free Cash Flow, 3 Yr. CAGR %	-	-	85.76	-2.19	-18.68
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	-	-	-	75.66	56.43
Gross Profit, 5 Yr. CAGR %	-	-	-	245.35	153.06
EBITDA, 5 Yr. CAGR %	-	-	-	25.5	-15.98
EBITA, 5 Yr. CAGR %	-	-	-	25.69	-15.28
EBIT, 5 Yr. CAGR %	-	-	-	25.69	-15.28
Earnings From Cont. Operations, 5 Yr. CAGR %	-	-	-	27.64	-16.21
Net Income, 5 Yr. CAGR %	-	-	-	27.64	-16.21
Normalized Net Income, 5 Yr. CAGR %	-	-	-	25.76	-15.76
Diluted EPS Before Extra, 5 Yr. CAGR %	-	-	-	-	-79.19
Accounts Receivable, 5 Yr. CAGR %	-	-	-	73.37	50.91
Net Property, Plant and Equip., 5 Yr. CAGR %	-	-	-	61.63	2.4
Total Assets, 5 Yr. CAGR %	-	-	-	10.79	28.53
Tangible Book Value, 5 Yr. CAGR %	-	-	-	8.26	26.96
Common Equity, 5 Yr. CAGR %	-	-	-	8.26	27.16
Cash From Operations, 5 Yr. CAGR %	-	-	-	20.61	-4.89
Capital Expenditures, 5 Yr. CAGR %	-	-	-	7.14	-13.09
Levered Free Cash Flow, 5 Yr. CAGR %	-	-	-	-	18.87
Unlevered Free Cash Flow, 5 Yr. CAGR %	-	-	-	-	19.09