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Pioneer Credit Ltd (AU:PNC)
ASX:PNC
PNC Stock Chart & Stats
AU$0.66
-AU$0.02(-2.65%)
At close: 4:00 PM EST
AU$0.66
-AU$0.02(-2.65%)
Day’s Range― - ―
52-Week RangeAU$0.37 - AU$0.79
Previous CloseN/A
Volume18.86K
Average Volume (3M)143.63K
Market Cap
AU$104.94M
Enterprise ValueAU$409.02M
Total Cash (Recent Filing)AU$136.38M
Total Debt (Recent Filing)AU$311.39M
Price to Earnings (P/E)2.6
Beta1.15
Next Earnings
Sep 01, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.06
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$1.16Price Target Upside75.76% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)0.14
Revenue Forecast (FY)AU$97.40M
Bulls Say, Bears Say
Bulls Say
Receivables Purchase Business ModelThe core business converts discounted purchases of charged-off consumer receivables into multi-year cash collections. That model generates durable, contract-like cash flows as long as origination/disposition discipline and collection capability persist, supporting long-term earnings potential independent of short-term market moves.
High Reported Profitability On Collected PortfoliosReported strong EBIT and net margins indicate the firm can extract high economics from recovered cash flows and that fixed collection infrastructure scales well. If portfolio sourcing normalizes, these margin dynamics support persistent profitability because collection costs are largely variable to recoveries, benefiting margins as collections rise.
Free Cash Flow Covers Net IncomeFCF covering net income shows the company is converting accounting profits into real cash, a durable indicator of operational cash generation. Even with negative trends, this conversion ability supports debt servicing and reinvestment capacity over months, giving some resilience while collections and portfolio purchases are managed.
Bears Say
Very High LeverageExtremely high leverage materially increases financial risk: limited equity buffers magnify collection shortfalls, reduce flexibility to buy new portfolios, and heighten refinancing pressure. Over a multi-month horizon this leaves the business exposed to adverse collection cycles or higher funding costs.
Negative And Declining Cash FlowNegative operating cash flow and steep FCF decline indicate cash generation is weakening even as collections fluctuate. This undermines the firm’s ability to self-fund portfolio purchases and meet obligations, likely forcing reliance on external financing and increasing structural liquidity risk over coming months.
Dramatic Revenue Collapse And Gross Margin IssuesA near-total revenue collapse and a negative gross margin point to fundamental problems in scale or portfolio economics—such as portfolio sourcing, valuation write-downs, or collection efficacy. These structural issues threaten sustainable profitability and undermine the business model unless addressed over the medium term.
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$0.36 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$104.94M.
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 165 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
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
AU$1.16 (75.76% Upside)
AU$1.16 (75.76% Upside)
Blogger Sentiment
Bullish
AU:PNC Sentiment 100%
Sector Average ―
Sector Average ―
Insider Transactions
Bought Shares
Worth AU$74.0K over
the Last 3 Months
the Last 3 Months
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, together with its subsidiaries, provides financial services in Australia. It acquires and services retail debt portfolios. The company was incorporated in 2002 and is headquartered in Perth, Australia.
PNC Stock 12 Month Forecast
Average Price Target
AU$1.16
▲(75.76% Upside)
Technical Analysis
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Options Prices
Currently, No data available
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