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$0.42 - AU$0.79
Previous CloseN/A
Volume18.86K
Average Volume (3M)143.63K
Market Cap
AU$98.58M
Enterprise ValueAU$400.99M
Total Cash (Recent Filing)AU$136.38M
Total Debt (Recent Filing)AU$311.39M
Price to Earnings (P/E)2.6
Beta1.09
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 Upside89.34% 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
Business Model (NPL Acquisition & Collection)Pioneer's core model of buying charged-off consumer receivables and extracting recoveries is a durable, asset-backed cash generation engine. When underwriting and collections work, it yields outsized returns versus capital employed, and remains relevant across credit cycles as a specialized servicer.
Strong Reported Profitability MarginsReported high EBIT and net margins indicate the company can convert recoveries into earnings efficiently, reflecting collection and pricing expertise. If sustainable, these margins provide operating leverage and resilience, supporting reinvestment or deleveraging over multiple quarters.
Free Cash Flow Covers Net IncomeA free cash flow to net income ratio above one suggests earnings are, at least partly, cash-backed rather than purely accounting gains. This improves cash quality and reduces the risk of earnings not translating into usable liquidity for servicing debt or funding portfolio purchases.
Bears Say
High LeverageVery high leverage materially increases refinancing, interest rate and covenant risk and reduces financial flexibility to buy portfolios or absorb collection volatility. In downturns, heavy debt amplifies losses and can force asset sales or equity dilution over multiple quarters.
Severe Revenue CollapseAn almost complete revenue collapse undermines the sustainable earnings base and scale advantages of the business. Lower originations or collections reduce throughput, raise per-unit costs, and make it harder to cover fixed servicing costs or justify continued leverage without multi-quarter recovery.
Weak Operating Cash Flow And Falling FCFPersistent negative operating cash flow and steep FCF decline constrain the company's ability to self-fund portfolio purchases and service debt, increasing reliance on external financing. This structural cash weakness raises long-term liquidity and survival risks if markets tighten.
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$0.42 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$98.58M.
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 122 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
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3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
AU$1.16 (89.34% Upside)
AU$1.16 (89.34% 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
▲(89.34% Upside)
Technical Analysis
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Options Prices
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