PCIP

Pci-Pal PLC

Technology First-pass screen £37m

550/1000 Overall fit

AI beneficiary 35% 56

Operating leverage 25% 72

Valuation 25% 30

Downside protection 15% 68

First-pass take

PCI-PAL is a disciplined SaaS operator with 25% ARR growth, 104% NRR, 95% GRR, and strong cloud economics (90% gross margin). Strategic positioning for contact-centre AI adoption is explicit and early proof points exist (conversational AI partnerships, fraud-risk product launched post-year-end), but AI revenue unproven in FY25. Operating leverage evident in adjusted EBITDA growth (167%) outpacing revenue growth. No valuation data disclosed.

Flags

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