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$0.48 - AU$0.79
Previous CloseN/A
Volume18.86K
Average Volume (3M)143.63K
Market Cap
AU$96.99M
Enterprise ValueAU$399.38M
Total Cash (Recent Filing)AU$136.38M
Total Debt (Recent Filing)AU$311.39M
Price to Earnings (P/E)6.4
Beta1.10
Next Earnings
Sep 01, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.09
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 Upside63.93% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)0.14
Revenue Forecast (FY)AU$97.10M
Bulls Say, Bears Say
Bulls Say
Disciplined NPL Acquisition And Servicing ModelPioneer’s core business is buying and servicing non-performing consumer debt portfolios. Acquiring receivables at a discount creates multi‑year recovery cash flows and margin opportunity, giving structural revenue visibility and cash generation potential if sourcing and collections remain consistent.
Reported High Operating ProfitabilityReported net profit and exceptionally high EBIT margins indicate the company can convert collections into operating profit after costs. Sustained high margins provide a buffer against portfolio underperformance and support internal reinvestment or debt servicing if maintained across future portfolios.
Free Cash Flow Covers Net IncomeFree cash flow covering net income means reported profits have cash backing, strengthening operational credibility. This durability supports the ability to fund some portfolio purchases or servicing from internal cash rather than immediate equity, providing medium‑term funding flexibility.
Bears Say
Very High Financial LeverageA debt‑to‑equity ratio of 5.03 and low equity ratio (15.59%) create material financial leverage. High leverage magnifies earnings volatility from collection shortfalls, constrains capacity to bid for portfolios without more debt, and raises default and refinancing risk over the medium term.
Negative Operating Cash Flow And Falling FCFPersistent negative operating cash flow and a 42.22% decline in free cash flow reduce the company’s ability to self‑fund acquisitions and operations. This increases reliance on external financing, which is risky given the high leverage and could force asset sales or constrained growth.
Severe Revenue Decline And Poor Gross EconomicsA near‑total revenue collapse and negative gross profit margin signal a breakdown in scale or portfolio economics. Without revenue stability and positive gross margins, the company’s ability to generate sustainable profits and justify future portfolio purchases is impaired, threatening long‑term viability.
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$0.47 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$96.99M.
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 83 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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Analyst Consensus
Moderate Buy
Average Price Target:
AU$1.00 (63.93% Upside)
AU$1.00 (63.93% 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
23.10%
Trailing 12-Months
Asset Growth
6.96%
Trailing 12-Months
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.
PNC Stock 12 Month Forecast
Average Price Target
AU$1.00
▲(63.93% Upside)
Technical Analysis
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Options Prices
Currently, No data available
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