London · Delayed Price · Currency is GBP · Price in GBX PensionBee Group Earnings Call Transcripts
Fiscal Year 2026
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Q1 2026 saw robust growth in AUA, revenue, and profitability, with the U.K. segment delivering a 5% adjusted EBITDA margin and the U.S. expansion progressing as planned. AI-driven productivity gains and increased marketing investments support continued customer growth.
Fiscal Year 2025
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Ended 2025 with £7.4bn AUA, £51m ARR, and £1m group adjusted EBITDA, driven by strong UK growth and initial US traction. UK profitability and high retention support ambitious long-term targets, while AI and tech investments enhance scalability and customer experience.
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Q4 2025 saw 27% AUA and 33% ARR growth, with strong U.K. profitability and early U.S. expansion. High customer retention, disciplined marketing, and a GBP 33 million cash balance support ambitious medium- and long-term growth targets.
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Q3 2025 saw 27% AUA and 35% ARR growth, with UK profitability and US expansion progressing. Group adjusted EBITDA margin reached 12%, and a 1% US match program is set to accelerate asset growth, supported by a GBP 33 million cash balance.
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Q2 2025 saw 22% revenue growth, 11,000 new customers, and U.K. profitability, with U.S. expansion progressing faster than prior U.K. growth. Brand awareness and operational efficiency improved, and long-term guidance targets significant revenue and margin gains.
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Q1 2025 saw robust year-on-year growth in AUA, revenue, and customers, with improved profitability and strong cash reserves. Continued investment in marketing and technology supports ambitious growth targets in both the U.K. and U.S. markets.
Fiscal Year 2024
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Achieved group adjusted EBITDA breakeven and strong revenue growth, with the U.K. business profitable and the U.S. expansion progressing. Raised GBP 20 million to accelerate U.S. growth, leveraging scalable technology and AI, while maintaining high retention and cost discipline.
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Achieved strong year-on-year growth in AUA, revenue, and customers, reaching group profitability and U.K. profitability milestones. U.S. market entry progressed with new app and revenue generation, while guidance targets significant revenue and margin expansion over the next decade.
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Q3 2024 saw strong year-on-year growth in AUA, revenue, and customers, with adjusted EBITDA profitability for the second consecutive quarter. U.K. operations remain the main profit driver, while U.S. expansion is underway with positive early results and increased investment planned.
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A decade of growth has positioned the company as a leader in the U.K. and poised for U.S. expansion, targeting the underserved mass market with scalable technology and data-driven marketing. Financial guidance remains strong, with profitability achieved and ambitious long-term revenue and margin targets.
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Q2 2024 saw strong growth in AUA, revenue, and customers, with positive adjusted EBITDA and reaffirmed full-year profitability guidance for the U.K. The U.S. business launched with State Street, targeting rapid growth and long-term profitability, supported by efficient marketing and technology investments.