Pioneer Credit Ltd (AU:PNC)
ASX:PNC
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PNC Stock Chart & Stats
AU$0.61
-AU$0.02(-2.65%)
At close: 4:00 PM EST
AU$0.61
-AU$0.02(-2.65%)
Day’s Range― - ―
52-Week RangeAU$0.48 - AU$0.79
Previous CloseN/A
Volume18.86K
Average Volume (3M)143.63K
Market Cap
AU$106.53M
Enterprise ValueAU$399.38M
Total Cash (Recent Filing)AU$136.38M
Total Debt (Recent Filing)AU$311.39M
Price to Earnings (P/E)7.3
Beta1.19
Next Earnings
Sep 01, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.09
Shares Outstanding160,721,340
10 Day Avg. Volume157,419
30 Day Avg. Volume143,634
Financial Highlights & Ratios
PEG Ratio-0.05
Price to Book (P/B)1.24
Price to Sales (P/S)203.93
P/FCF Ratio-5.84
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
AU$1.00Price Target Upside63.93% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)0.14
Revenue Forecast (FY)AU$97.11M
Bulls Say, Bears Say
Bulls Say
Profitability MarginsReported high net profit and exceptionally strong EBIT margins indicate the company's ability to extract surplus value from collections and portfolio wins. Sustained margin advantage supports durable earnings power if underwriting and collection performance remain consistent over time.
Asymmetric Debt-Purchase ModelThe business model—buying charged-off receivables at a discount and collecting over time—creates an asymmetric return profile. With scaleable sourcing and efficient servicing, this model can deliver durable excess returns versus cost of capital when underwriting and collections forecasting are disciplined.
Cash Coverage Of EarningsFree cash flow covering net income shows reported earnings are backed by cash generation, an important sign of earnings quality. This cash conversion supports operational continuity and the ability to fund portfolio purchases or deleverage if conversion trends stabilize.
Bears Say
High LeverageVery high debt relative to equity increases financial fragility, raising refinancing and interest-rate risks. Leverage limits flexibility to buy new portfolios and magnifies earnings volatility, making long-term growth and capital allocation sensitive to funding market conditions.
Severe Revenue DeclineAn almost complete revenue collapse undermines the franchise's ability to scale and sustain fixed costs. Persistent revenue weakness impairs portfolio replenishment, reduces bargaining power with sellers, and weakens the base from which margins and cash generation can recover.
Weak And Declining Cash FlowNegative operating cash flow and a sharp decline in free cash flow constrain the firm's capacity to fund acquisitions, service debt, or invest in scalable systems. Prolonged cash deficits would force external financing or asset sales, exacerbating leverage and strategic risk.
Pioneer Credit Ltd News
PNC FAQ
What was Pioneer Credit Ltd’s price range in the past 12 months?
Pioneer Credit Ltd lowest share price was AU$0.47 and its highest was AU$0.79 in the past 12 months.
What is Pioneer Credit Ltd’s market cap?
Pioneer Credit Ltd’s market cap is AU$106.53M.
When is Pioneer Credit Ltd’s upcoming earnings report date?
Pioneer Credit Ltd’s upcoming earnings report date is Sep 01, 2026 which is in 80 days.
How were Pioneer Credit Ltd’s earnings last quarter?
Pioneer Credit Ltd released its earnings results on Feb 17, 2026. The company reported AU$0.061 earnings per share for the quarter, beating the consensus estimate of AU$0.05 by AU$0.011.
Is Pioneer Credit Ltd overvalued?
According to Wall Street analysts Pioneer Credit Ltd’s price is currently Undervalued.
Does Pioneer Credit Ltd pay dividends?
Pioneer Credit Ltd pays a Semiannually dividend of AU$0.066 which represents an annual dividend yield of N/A. See more information on Pioneer Credit Ltd dividends here
What is Pioneer Credit Ltd’s EPS estimate?
Pioneer Credit Ltd’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Pioneer Credit Ltd have?
Pioneer Credit Ltd has 160,721,340 shares outstanding.
What happened to Pioneer Credit Ltd’s price movement after its last earnings report?
Pioneer Credit Ltd reported an EPS of AU$0.061 in its last earnings report, beating expectations of AU$0.05. Following the earnings report the stock price went down -10.067%.
Which hedge fund is a major shareholder of Pioneer Credit Ltd?
Currently, no hedge funds are holding shares in AU:PNC
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Pioneer Credit Ltd Stock Smart Score
Neutral
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10
Analyst Consensus
Moderate Buy
Average Price Target:
AU$1.00 (63.93% Upside)
AU$1.00 (63.93% Upside)
Blogger Sentiment
Bullish
AU:PNC Sentiment 100%
Sector Average ―
Sector Average ―
Insider Transactions
Bought Shares
Worth AU$383.5K over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
2.41%
12-Months-Change
Fundamentals
Return on Equity
23.10%
Trailing 12-Months
Asset Growth
6.96%
Trailing 12-Months
Company Description
Pioneer Credit Ltd
Pioneer Credit Limited, along with its subsidiary entities, provides financial services throughout Australia. A central part of its operations involves the acquisition and subsequent management of retail debt portfolios. This company was established in 2002 and maintains its primary corporate office in Perth, Australia.
PNC Stock 12 Month Forecast
Average Price Target
AU$1.00
▲(63.93% Upside)
Technical Analysis
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Options Prices
Currently, No data available
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