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$95.40M
Enterprise ValueAU$396.16M
Total Cash (Recent Filing)AU$136.38M
Total Debt (Recent Filing)AU$311.39M
Price to Earnings (P/E)2.6
Beta1.11
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$1.16Price Target Upside89.34% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)0.14
Revenue Forecast (FY)AU$97.10M
Bulls Say, Bears Say
Bulls Say
Established Debt Purchasing & Servicing ModelThe firm’s core business—acquiring discounted non-performing consumer receivables and collecting over time—is structurally durable. Discounted portfolio purchases create multi-period cash flows and, with disciplined underwriting and collections, provide a predictable revenue engine and long-term earnings potential independent of short-term market moves.
High Reported EBIT And Net Profit MarginsReported margins (18.16% net profit, 121.11% EBIT) demonstrate substantial operating leverage when portfolio recoveries exceed purchase and servicing costs. This shows the business can convert successful collections into outsized profitability, indicating structural upside to earnings if portfolio sourcing and collection effectiveness are sustained.
Free Cash Flow Covers Net IncomeA free cash flow to net income ratio above one suggests earnings have some cash backing, supporting reported profitability quality. While operating cash flow is negative, this coverage indicates pockets of cash conversion that can help service obligations and provide limited flexibility for funding portfolios or meeting near-term liabilities as management stabilises operations.
Bears Say
Very High LeverageA debt-to-equity ratio above 5 and low equity ratio reflect pronounced financial leverage that weakens solvency buffers. High leverage increases sensitivity to collection volatility, raises interest and refinancing risk, and limits the company's ability to absorb adverse portfolio performance or fund acquisitions without raising costly external capital over the coming months.
Severe Recent Revenue CollapseA nearly 100% drop in reported revenue is a structural red flag: it reduces the scale of recoverable receivables, raises per-unit collection costs, and erodes the revenue base that funds operations and debt service. Continued revenue weakness would materially impair the firm’s ability to sustain margins and finance portfolio purchases over the medium term.
Negative Operating Cash Flow And Falling FCFNegative operating cash flows combined with a 42.22% decline in free cash flow signal deteriorating cash conversion. This trend reduces internal funding for portfolio acquisitions, increases reliance on external financing, and elevates the risk that reported earnings cannot be turned into durable liquidity to cover debt service and working capital in the months ahead.
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$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 104 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 (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
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
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
Currently, No data available
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