Pioneer Credit Ltd (AU:PNC)
ASX:PNC
PNC Stock Chart & Stats
AU$0.60
-AU$0.02(-2.65%)
At close: 4:00 PM EST
AU$0.60
-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$95.40M
Enterprise ValueAU$399.38M
Total Cash (Recent Filing)AU$136.38M
Total Debt (Recent Filing)AU$311.39M
Price to Earnings (P/E)2.6
Beta1.13
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 Upside93.33% 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 Cash ConversionPioneer’s core model—buying charged-off receivables at a discount and extracting cash over time—creates a durable margin source when purchase discipline and collection capability are sustained. Over months this model converts portfolio pricing and collection effectiveness into cash profits.
High Reported MarginsReported high EBIT and net margins indicate the company can extract substantial economic value from acquired portfolios and/or benefit from favourable accounting timing. If sustainable, these margins provide cushion to absorb volatility and support reinvestment or debt servicing over the medium term.
Cash Generation Alignment With EarningsFree cash flow covering net income suggests the firm’s earnings translate into cash, a key structural strength for a collection business. This alignment supports ongoing portfolio purchases and debt obligations when combined with disciplined capital allocation, even if absolute FCF has recently fallen.
Bears Say
High Financial LeverageVery high leverage materially raises refinancing, interest and covenant risk, constraining strategic flexibility. For a business that needs capital to acquire portfolios, elevated debt amplifies downside from collection shortfalls and limits the company’s ability to scale or absorb economic shocks over the coming months.
Weak Cash Flow TrendNegative operating cash flow and rapidly contracting free cash flow undermine the firm’s ability to fund new portfolio purchases and service high debt. Even with FCF covering net income now, the steep decline reduces liquidity buffer and raises the probability of financing strain in a 2–6 month horizon.
Severe Revenue DeteriorationAn almost complete collapse in reported revenue signals a shrinking operating base or large portfolio run-off. This erodes scale benefits, makes fixed costs and debt harder to cover, and impairs long-term profitability unless the company can restore consistent portfolio acquisition or collection performance.
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$95.40M.
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 146 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 (93.33% Upside)
AU$1.16 (93.33% 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
▲(93.33% Upside)
Technical Analysis
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Options Prices
Currently, No data available
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