PensionBee - Public Comps and Valuation Multiples

PensionBee Overview

About PensionBee

PensionBee Group PLC is engaged in the provision of direct-to-consumer online pensions. The company helps its customers combine their old pension pots, make flexible contributions, invest in line with their goals and values, and make withdrawals after attaining a certain age. It offers a range of investment plans, including fossil fuel-free and impact investing options, from various asset managers. The firm generates a vast majority of its revenue in the form of fees it charges for fund administration. These fees are earned for administering the customer pension schemes and are charged based on a fixed percentage of the value of a customer’s assets held by the pension scheme. It operates in a single geographical location, the United Kingdom.

Founded

2021

HQ

Employees

204

Website

pensionbee.com

Sectors

Wealth Solutions
FinTech Infrastructure
WealthTech
FinTech

Financials

LTM Revenue $52.6M

LTM EBITDA -$0.9M

EV

$461M

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PensionBee Financials

As of September 2025, PensionBee reported last 12-month revenue of $52.6M and EBITDA of -$0.9M.

In the same period, PensionBee generated $4.6M in LTM gross profit and -$6.6M in net income.

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PensionBee P&L

In the most recent fiscal year, PensionBee reported revenue of $44.3M and EBITDA of -$3.8M.

PensionBee expects next 12-month revenue of XXX and NTM EBITDA of XXX

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	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue	$52.6M	XXX	$44.3M	XXX	XXX	XXX
Gross Profit	$4.6M	XXX	$29.5M	XXX	XXX	XXX
Gross Margin	9%	XXX	67%	XXX	XXX	XXX
EBITDA	-$0.9M	XXX	-$3.8M	XXX	XXX	XXX
EBITDA Margin	-2%	XXX	-9%	XXX	XXX	XXX
EBIT	-$6.6M	XXX	-$4.0M	XXX	XXX	XXX
EBIT Margin	-12%	XXX	-9%	XXX	XXX	XXX
Net Profit	-$6.6M	XXX	-$4.2M	XXX	XXX	XXX
Net Margin	-13%	XXX	-9%	XXX	XXX	XXX
Net Debt	XXX	XXX	n/a	XXX	XXX	XXX

Financial data powered by Morningstar, Inc.

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Financial performance metrics for PensionBee including revenue, profitability, and margin analysis across different time periods. The company reported last twelve months revenue of $52.6M. EBITDA for the last twelve months was -$0.9M. In the most recent fiscal year, PensionBee achieved $44.3M in revenue and -$3.8M in EBITDA.
Financial Metric	Last Twelve Months (LTM)	Next Twelve Months (NTM)	Most Recent Fiscal Year	Current Fiscal Year (2025)	Next Fiscal Year (2026)	Two Years Forward (2027)
Total Revenue	$52.6M	Analyst estimates available to subscribers	$44.3M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit	$4.6M	Analyst estimates available to subscribers	$29.5M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit Margin	8.7% gross margin	Analyst estimates available to subscribers	66.5% gross profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA (Earnings Before Interest, Taxes, Depreciation, Amortization)	-$0.9M	Analyst estimates available to subscribers	-$3.8M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA Margin	-1.7% EBITDA margin	Analyst estimates available to subscribers	-8.5% EBITDA margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT (Earnings Before Interest and Taxes)	-$6.6M	Analyst estimates available to subscribers	-$4.0M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT Margin	-12.5% EBIT margin	Analyst estimates available to subscribers	-9.0% EBIT margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Income (Net Profit)	-$6.6M	Analyst estimates available to subscribers	-$4.2M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Profit Margin	-12.6% net profit margin	Analyst estimates available to subscribers	-9.4% net profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Debt Position	Detailed debt information available to subscribers	Detailed debt information available to subscribers	n/a	Detailed debt information available to subscribers	Detailed debt information available to subscribers	Detailed debt information available to subscribers

Financial Performance Summary for PensionBee

This financial data table provides comprehensive performance metrics for PensionBee, a company based in United Kingdom of Great Britain and Northern Ireland. The metrics include revenue, profitability measures, and operational efficiency indicators across multiple time periods.

Recent Performance Highlights

PensionBee generated $52.6M in revenue over the last twelve months.
The company achieved -$0.9M in EBITDA over the last twelve months.
Gross profit for the last twelve months was $4.6M.
Net income over the last twelve months reached -$6.6M.

Fiscal Year Performance

In the most recent fiscal year, PensionBee reported $44.3M in total revenue.
Fiscal year EBITDA was -$3.8M.
The company maintained a gross profit margin of 66.5% in the most recent fiscal year.
EBITDA margin for the fiscal year was -8.5%.
Net profit margin reached -9.4% in the most recent fiscal year.

This financial data is sourced from Morningstar, Inc. and represents the most recent available information for PensionBee. Forward-looking estimates and detailed financial projections are available through our premium subscription service.

PensionBee Stock Performance

PensionBee has current market cap of GBP 379M (or $506M), and EV of GBP 346M (or $461M).

Market Cap Evolution

PensionBee Stock Data

As of October 17, 2025, PensionBee's stock price is GBP 2 (or $2).

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EV	Market Cap	Price 1D	Price 1M	Price 3M	Price 12M	EPS
$461M	$506M	XXX	XXX	XXX	XXX	$-0.03

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PensionBee Valuation Multiples

PensionBee's trades at 10.4x EV/Revenue multiple, and -122.0x EV/EBITDA.

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PensionBee Financial Valuation Multiples

As of October 17, 2025, PensionBee has market cap of $506M and EV of $461M.

Equity research analysts estimate PensionBee's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX

PensionBee has a P/E ratio of -76.7x.

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Market cap (current)	$506M	XXX	$506M	XXX	XXX	XXX
EV (current)	$461M	XXX	$461M	XXX	XXX	XXX
EV/Revenue	8.8x	XXX	10.4x	XXX	XXX	XXX
EV/EBITDA	-506.5x	XXX	-122.0x	XXX	XXX	XXX
EV/EBIT	-70.3x	XXX	-115.1x	XXX	XXX	XXX
EV/Gross Profit	100.9x	XXX	n/a	XXX	XXX	XXX
P/E	-76.7x	XXX	-121.0x	XXX	XXX	XXX
EV/FCF	-154.7x	XXX	95.1x	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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PensionBee Margins & Growth Rates

PensionBee's last 12 month revenue growth is 25%

PensionBee's revenue per employee in the last FY averaged $0.2M, while opex per employee averaged $0.2M for the same period.

PensionBee's rule of 40 is -19% (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).

PensionBee's rule of X is 60% (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).

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PensionBee Operational Valuation Multiples

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue Growth	25%	XXX	24%	XXX	XXX	XXX
EBITDA Margin	-2%	XXX	-9%	XXX	XXX	XXX
EBITDA Growth	-382%	XXX	n/a	XXX	XXX	XXX
Rule of 40	-19%	XXX	16%	XXX	XXX	XXX
Bessemer Rule of X	XXX	XXX	60%	XXX	XXX	XXX
Revenue per Employee	XXX	XXX	$0.2M	XXX	XXX	XXX
Opex per Employee	XXX	XXX	$0.2M	XXX	XXX	XXX
S&M Expenses to Revenue	XXX	XXX	27%	XXX	XXX	XXX
G&A Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
R&D Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
Opex to Revenue	XXX	XXX	76%	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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