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Pioneer Credit Ltd (PNC) Price & Analysis

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PNC Stock Chart & Stats

AU$0.61

-AU$0.02(-2.65%)

At close: Jan 09 4:00 PM EST

AU$0.61

-AU$0.02(-2.65%)

Day’s Range― - ―

52-Week RangeAU$0.55 - AU$0.79

Previous CloseN/A

Volume18.86K

Average Volume (3M)143.63K

Market Cap

AU$127.77M

Enterprise ValueAU$296.01

Total Cash (Recent Filing)AU$7.90M

Total Debt (Recent Filing)AU$328.20M

Price to Earnings (P/E)4.7

Beta1.14

Next Earnings

Mar 01, 2027

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend YieldN/A

Share Statistics

EPS (TTM)0.14

Shares Outstanding189,054,670

10 Day Avg. Volume157,419

30 Day Avg. Volume143,634

Financial Highlights & Ratios

PEG Ratio0.02

Price to Book (P/B)1.29

Price to Sales (P/S)1.07

P/FCF Ratio0.00

Enterprise Value/Market CapN/A

Enterprise Value/RevenueN/A

Enterprise Value/Gross ProfitN/A

Enterprise Value/EbitdaN/A

Forecast

1Y Price Target

AU$1.23

Price Target Upside100.82% Upside

Rating ConsensusModerate Buy

Number of Analyst Covering2

EPS Forecast (FY)0.15

Revenue Forecast (FY)AU$114.71M

Bulls Say, Bears Say

Bulls Say

Improved ProfitabilityA material jump in 2026 earnings and operating profits indicates the core collections economics can scale when recovery rates improve. Sustained profitability provides capacity to reinvest in portfolio purchases, support servicing operations and build reserves, strengthening long-term earnings power if collections remain robust.

Operating Cash Flow TurnaroundA large positive operating cash flow reversal signals improved cash conversion from portfolio collections versus prior years. Durable positive OCF reduces dependence on external financing for acquisitions, enhances liquidity for servicing costs and builds optionality to scale the business if the trend persists.

Asset-Light, Scalable Business ModelThe model of buying non-performing receivables at a discount and earning excess cash collections is inherently scalable and cash-generative at scale. It creates structural margin potential, recurring servicing fee opportunities and alignment with originators, supporting durable revenue streams if underwriting and collections remain disciplined.

Bears Say

High LeverageA capital structure with very high leverage limits financial flexibility and increases refinancing and interest-rate vulnerability. If collections weaken, heavy debt amplifies earnings and cash volatility, constrains portfolio purchasing capacity and reduces the balance-sheet cushion during downturns.

Volatile Multi-Year ResultsHistoric swings between losses, near-breakeven and strong years indicate underlying recovery rates and timing are inconsistent. This volatility makes forecasting earnings and setting portfolio prices harder, raising execution risk for long-term growth plans and capital allocation decisions.

Dependence On Deal Flow And FundingBusiness durability depends on steady access to quality NPLs and financing to buy them. Adverse changes in supply, pricing or credit market access compress growth and margins. Reliance on external funding and sourcing relationships increases structural exposure to market and underwriting cycles.

Pioneer Credit Ltd News

Pioneer Credit Sets Out Comprehensive Corporate Governance Framework

Pioneer Credit Ltd ( ($AU:PNC) ) has issued an announcement. Pioneer Credit Ltd has outlined a comprehensive corporate...

4d ago

PNC

Pioneer Credit files ASX governance statement and Appendix 4G

Pioneer Credit Ltd ( ($AU:PNC) ) has provided an update. Pioneer Credit Limited has lodged its corporate governance...

4d ago

PNC

Pioneer Credit Outlines FY2026 Results in Investor Presentation

Pioneer Credit Ltd ( ($AU:PNC) ) has provided an update. Pioneer Credit Ltd has released a presentation outlining...

4d ago

PNC

Pioneer Credit posts record profit and boosts funding for FY27 growth

An update from Pioneer Credit Ltd ( ($AU:PNC) ) is now available. Pioneer Credit Limited reported a record...

4d ago

PNC

Pioneer Credit Unveils Comprehensive 2026 Annual Report

The latest announcement is out from Pioneer Credit Ltd ( ($AU:PNC) ). Pioneer Credit Ltd has released its...

4d ago

PNC

Pioneer Credit sets FY26 results release and investor webinar

Pioneer Credit Ltd ( ($AU:PNC) ) has shared an update. Pioneer Credit Ltd will release its FY26 financial...

11d ago

PNC

Pioneer Credit Confirms Compliance on Share Placement to Sophisticated Investors

Pioneer Credit Ltd ( ($AU:PNC) ) has shared an announcement. Pioneer Credit Limited has issued 28,333,334 fully paid...

26d ago

PNC

Pioneer Credit Performance Rights Lapse After Unmet Conditions

Pioneer Credit Ltd ( ($AU:PNC) ) has issued an update. Pioneer Credit Ltd is an Australian-listed financial services...

1M ago

PNC

Pioneer Credit director Stephen Targett lifts shareholding in on-market trade

Pioneer Credit Ltd ( ($AU:PNC) ) has shared an announcement. Pioneer Credit Limited has reported a change in...

6M ago

PNC

Pioneer Credit lifts FY26 profit guidance after major debt repricing

Pioneer Credit Ltd ( ($AU:PNC) ) has provided an announcement. Pioneer Credit has upgraded its FY26 net profit...

6M ago

PNC

PNC FAQ

What was Pioneer Credit Ltd’s price range in the past 12 months?

Pioneer Credit Ltd lowest share price was AU$0.55 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$127.77M.

When is Pioneer Credit Ltd’s upcoming earnings report date?

Pioneer Credit Ltd’s upcoming earnings report date is Mar 01, 2027 which is in 190 days.

How were Pioneer Credit Ltd’s earnings last quarter?

Pioneer Credit Ltd released its earnings results on Aug 18, 2026. The company reported AU$0.085 earnings per share for the quarter, missing the consensus estimate of N/A by N/A.

Is Pioneer Credit Ltd overvalued?

According to Wall Street analysts Pioneer Credit Ltd’s price is currently Undervalued. Get more investment ideas with TipRanks Premium

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 189,054,670 shares outstanding.

What happened to Pioneer Credit Ltd’s price movement after its last earnings report?

Pioneer Credit Ltd reported an EPS of AU$0.085 in its last earnings report, missing expectations of N/A. Following the earnings report the stock price went up 2.239%.

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

Fundamentals

Return on Equity

―

Trailing 12-Months

Asset Growth

15.62%

Trailing 12-Months

Top Smart Score Stocks >

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.

Pioneer Credit Ltd (PNC) Earnings & Revenues

Historic Earnings Reports

PNC Stock 12 Month Forecast

Average Price Target

AU$1.23

▲(100.82% Upside)

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Detailed Analyst Forecast >