PCI-PAL (FRA:FVA) Unearned Premiums

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:FVA PCI-PAL PLC FRA:FVA
44 GF Score
Price €0.79
GF Value €0.84
Valuation Fairly Valued
! 5 Warning Signs
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What is PCI-PAL Unearned Premiums?

Unearned Premiums only applies to insurance companies.

FRA:FVA
44GF Score
PCI-PAL PLC FRA:FVA
Unearned Premiums is just one metric. See GF Score™, valuation, warning signs, and more.
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Is PCI-PAL (FRA:FVA) Overvalued in 2026?

Based on GuruFocus' analysis, PCI-PAL stock appears to be undervalued. The current stock price of €0.79 is trading 6.5% below its estimated GF Value™ of €0.84. GuruFocus considers PCI-PAL to be Fairly Valued.

Key valuation signals for FRA:FVA:

  • Unearned Premiums:
  • GF Value™: €0.84 vs. price of €0.79 (6.5% below fair value)
  • GF Score™: 44/100 with 5 warning signs

No single metric tells the full story. See the FRA:FVA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

PCI-PAL Business Description

Other Exchanges PCIP:UK
Address 7 Gamma Terrace, Ransomes Europark, Ipswich, Suffolk, GBR, IP3 9FF
PCI-PAL PLC is a UK-based provider of secure payment solutions, specializing in payment card industry (PCI) compliant services for contact centres. Its flagship product, PCI Pal, is a cloud platform that enables organizations to take payments securely over the phone, and across web chat, social media, and other digital channels, without exposing sensitive card data to agents or their systems. The company serves sectors including retail, utilities, financial services, travel, leisure, public sector, and charities. It operates across the United Kingdom, Europe, North America, and the Asia-Pacific region, with the United States representing a significant growth market. Revenue is generated primarily through recurring subscription fees for its cloud services, alongside associated professional and support services. PCI-PAL was originally known as IPPlus PLC before changing its name to reflect its focus on payment security.
44GF Score

Get the complete analysis for FRA:FVA

Unearned Premiums is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€0.79
Price
€0.84
GF Value