Results for the 12 months to 30 June 2025 Analyst Briefing & Investor Presentation

This announcement contains inside information for the purposes of Article 7 of the Market Abuse Regulation (EU) 596/2014 as it forms part of UK domestic law by virtue of the European Union (Withdrawal) Act 2018 ("MAR"), and is disclosed in accordance with the company's obligations under Article 17 of MAR.

PCI-PAL PLC (AIM: PCIP), the global provider of secure payment solutions for business communications, is pleased to announce full year results for the year ended 30 June 2025 (the "period").

Financial Highlights:

Operating and Other Highlights:

• Strong performance across all financial and operational metrics – delivering results in line with expectations
• ARR increased 25% year-on-year to £19.3 million, a record uplift, reflecting the largest absolute increase in ARR (£3.8 million) delivered by the Group to date
• CARR grew by 16% to £22.2 million, enhancing revenue visibility for FY26 and beyond
• 100% of secure payments revenues generated from PCI Pal’s multi-tenanted global cloud platform, now servicing over 700 customers across Europe, North America, and ANZ
• GRR remains exceptionally high at 95%, underpinned by near perfect platform reliability with uptime exceeding 99.999% and excellent customer satisfaction scores
• Delivered Adjusted Profit Before Tax of £0.8 million in line with market expectations
• Expanded the Group’s market-leading partner eco-system, including the signing, onboarding, and first customer wins with RingCentral Inc, which is live across Europe and North America
• Successfully renewed one of the Group’s largest contracts, a multi-year contract with the UK Government’s Department for Work and Pensions (DWP)
• Increased geographic reach with first hires in mainland Europe, already contributing to new wins, including displacing a competitor at a top-50 global hotel chain
• Achieved a perfect NPS score of 100 in Q4 for customers going live on the platform; CSAT of 91% rated “excellent” by global SaaS benchmarks
• Appointment of new Chief Information Security Officer following the planned retirement of the Group’s long-serving CISO and former board member, Geoff Forsyth, who continues on a consultancy basis with the Group

Current Trading

Trading in the opening months of FY26 has been in line with management expectations.

• New business highlights YTD include:
• The Group’s largest deal to date in Canada, secured via a key partner, with a top 10 insurer; and
• Securing the Group’s largest Conversational AI deal to date, sold through a strategic partner, enabling secure payments capability across both voice and chatbot integrations.

New product progress:

• Launched the first solution in the Group’s fraud management suite, further strengthening PCI Pal’s compliance and security value proposition
• Availability of data analytics capability for existing reporting packages, providing customers with greater insight into usage and optimisation opportunities for their payments and customer interactions.

People

• Recently appointed US-based Kathy Varney as Chief Marketing Officer to lead PCI Pal’s enhanced marketing strategy and support ongoing ARR growth.

Commenting, James Barham, Chief Executive Officer, said:

“We’ve made significant progress this year, delivering strong organic ARR growth, expanding our product capabilities, and deepening our presence with key partners.  Our continued progress reflects the success we have achieved with our go to market strategy.

“I’m incredibly proud of the team and culture we’ve built at PCI Pal, and it’s great to see recent key hires already having an impact.  I’d like to thank our outgoing CISO, Geoff Forsyth, a founding member of the PCI “Pal team who’s had a hugely positive influence on the business.  As he enters retirement, I’m pleased he’ll continue supporting us in a consulting role, which has followed the successful transition to our new CISO, Royston Ballard.

“Looking ahead to FY26, the momentum in the business is hugely exciting. As a leader for cloud solutions in our space, with an extensive partner ecosystem of global communications companies, including a growing number of conversational AI providers, we are exceptionally well positioned to take PCI Pal to the next level. With our enhanced strategy now in place, we fully intend to invest and execute at pace to maximise the significant growth opportunity ahead.”

¹ Adjusted EBITDA (earnings before interest, tax, depreciation and amortisation) is the loss on operating activities before exceptional items, non-operating expenses, depreciation and amortisation and exchange movements charged to the profit and loss and expenses relating to share option charges see Chief Financial Officer’s review

² Adjusted profit / (loss) before tax is loss before tax before exceptional items, non-operating expenses and, exchange movements charged to the profit and loss and expenses relating to share option charges see Chief Financial Officer’s review

³  CARR or Contracted Annual Recurring Revenue is the total annual recurring revenue of all signed contracts, whether invoiced and included in deferred revenue or still to be deployed and/or not yet invoiced.  CARR provides a direct line of sight to future ARR from the Group. The naming of this metric as CARR replaces the Group’s historic use of TACV, which had the same definition

⁴ ARR is Annual Recurring Revenue of all of the deployed contracts at the yearend expressed in GBP

⁵ NRR is the Net Retention Rate of the contracts that are live on the AWS platform and is calculated using the opening total value of deployed contracts from twelve months ago less the ACV of lost deployed contracts in the last 12 months plus the ACV of upsold contracts signed in the last twelve months all divided by the opening total value of deployed contracts at the start of the 12-month period

⁶ GRR is Gross Revenue Retention also referred to customer retention is calculated using the formula: 100% minus (the ACV of lost deployed contracts on the AWS platform in the last 12 months divided by the opening total value of deployed contracts 12 months ago expressed as a percentage)

Analyst Briefing: 8.30am today, Tuesday 9 September 2025

An online briefing for Analysts will be hosted by James Barham, Chief Executive, and Ryan Murray, Chief Financial Officer, at 8.30am today Tuesday 9 September 2025, to review the results and prospects. Analysts wishing to attend should contact Walbrook PR on [email protected] or 020 7933 8780.

Investor Presentation: 3.00pm on Thursday 11 September 2025 (UK time)

The Directors will hold an investor presentation to cover the results and prospects at 3.00pm on Thursday 11 September 2025 (UK time).

The presentation will be hosted through the digital platform Investor Meet Company. Investors can sign up to Investor Meet Company and add to meet PCI-PAL PLC via the following link https://www.investormeetcompany.com/pci-pal-plc/register-investor. For those investors who have already registered and added to meet the Company, they will automatically be invited. 

Questions can be submitted pre-event to [email protected] or in real time during the presentation via the "Ask a Question" function. 

For further information, please contact:

About PCI Pal:

PCI Pal is a leading provider of Software-as-a-Service (“SaaS”) solutions that empower companies to take payments from their customers securely, adhere to strict industry governance, and remove their environments from the significant risks posed by non-compliance and data loss. Our products secure payments and data in any business communications environment including voice, chat, social, email, and contact centre. We are integrated to, and resold by, some of the worlds’ leading business communications vendors, as well as major payment service providers.

The entirety of our product-base is available from our global cloud platform hosted in Amazon Web Services (“AWS”), with regional instances across EMEA, North America, and ANZ.

For more information visit www.pcipal.com or follow the team on Linkedin: https://www.linkedin.com/company/pci-pal/