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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$106.53M
Enterprise ValueAU$408.22M
Total Cash (Recent Filing)AU$120.28M
Total Debt (Recent Filing)AU$304.56M
Price to Earnings (P/E)6.8
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$1.00Price Target Upside51.52% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Cash-generative Business ModelPioneer operates a debt-purchase model that converts discounted non-performing portfolios into cash over time. This structural business model can generate long-lived, recurring cashflows as long as collections exceed purchase and operating costs, providing an enduring profit engine independent of market timing.
Diverse Collection ChannelsA mix of internal and third-party collection capabilities gives operational flexibility and cost control. In-house skills preserve margin on recoveries while outsourced partners enable scalable reach into different debt vintages and geographies, supporting resilient long-term recovery rates and cost optimization.
Reported Strong MarginsReported high EBIT and net margins indicate the firm can extract earnings from collections after costs. If sustainable, such margins reflect strong operating leverage in a low-capex model, allowing retained earnings to support portfolio purchases and business scale over multiple quarters.
Bears Say
Very High LeverageExtremely high leverage materially increases financial risk and reduces strategic flexibility. Debt loads amplify downside in collection shortfalls, raise fixed servicing costs, and constrain the company’s ability to buy portfolios or withstand economic stress without diluting equity or refinancing under adverse terms.
Negative And Weakening Cash FlowNegative operating cash flow and a steep decline in free cash flow undermine the self-funding nature of a debt purchaser. Persistent cash deficits force reliance on external financing for portfolio acquisitions and operations, increasing refinancing risk and impairing the capacity to capitalize on buying opportunities.
Recent Dramatic Revenue DropA near-total revenue collapse signals volatile collections or portfolio pipeline disruption. Such extreme revenue volatility impairs forecasting, strains margin sustainability, and may reflect issues sourcing or pricing portfolios — undermining the repeatable economics central to the business model over coming quarters.
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$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 191 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 (51.52% Upside)
AU$1.00 (51.52% Upside)
Blogger Sentiment
Bullish
AU:PNC Sentiment 100%
Sector Average ―
Sector Average ―
Technicals
SMA
Positive
20 days / 200 days
Momentum
2.41%
12-Months-Change
Fundamentals
Return on Equity
12.72%
Trailing 12-Months
Asset Growth
5.61%
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$1.00
▲(51.52% Upside)
Technical Analysis
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Options Prices
Currently, No data available
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