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Pioneer Credit Ltd (AU:PNC)
ASX:PNC
Australian Market

Pioneer Credit Ltd (PNC) Ratios

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Pioneer Credit Ltd Ratios

AU:PNC's free cash flow for Q2 2026 was AU$0.92. For the 2026 fiscal year, AU:PNC's free cash flow was decreased by AU$ and operating cash flow was AU$0.41. See a summary of the company’s cash flow.
Ratios
TTM
Jun 25Jun 24Jun 23Jun 22
Liquidity Ratios
Current Ratio
15.02 3.77 0.44 5.64 2.43
Quick Ratio
15.02 3.77 0.44 5.64 2.43
Cash Ratio
0.91 0.10 0.01 0.41 0.44
Solvency Ratio
0.05 0.02 -0.03 <0.01 -0.10
Operating Cash Flow Ratio
-0.22 -0.36 -0.10 -0.97 -0.90
Short-Term Operating Cash Flow Coverage
-0.22 -1.16 -0.11 -1.76 -2.29
Net Current Asset Value
AU$ -185.72MAU$ -196.86MAU$ -199.71MAU$ -168.13MAU$ -171.85M
Leverage Ratios
Debt-to-Assets Ratio
0.79 0.78 0.80 0.84 0.79
Debt-to-Equity Ratio
4.41 5.03 6.64 6.58 6.49
Debt-to-Capital Ratio
0.82 0.83 0.87 0.87 0.87
Long-Term Debt-to-Capital Ratio
0.81 0.83 0.42 0.86 0.85
Financial Leverage Ratio
5.61 6.41 8.33 7.79 8.26
Debt Service Coverage Ratio
2.27 0.94 0.12 0.80 0.15
Interest Coverage Ratio
3.78 0.18 0.16 0.37 0.16
Debt to Market Cap
2.98 3.98 2.01 7.97 7.53
Interest Debt Per Share
2.02 2.26 1.18 2.91 3.72
Net Debt to EBITDA
7.03 6.55 21.50 7.53 27.27
Profitability Margins
Gross Profit Margin
95.12%-10194.01%100.00%92.65%89.73%
EBIT Margin
53.42%12111.44%17.67%42.22%11.39%
EBITDA Margin
55.32%12519.35%20.46%44.96%16.65%
Operating Profit Margin
46.24%1817.44%10.47%15.70%11.39%
Pretax Profit Margin
19.21%1817.44%-47.77%0.22%-61.57%
Net Profit Margin
19.46%1815.80%-15.27%0.21%-61.67%
Continuous Operations Profit Margin
18.96%1815.80%-15.27%0.21%-61.67%
Net Income Per EBT
101.30%99.91%31.97%97.65%100.16%
EBT Per EBIT
41.54%100.00%-456.21%1.37%-540.59%
Return on Assets (ROA)
3.82%1.71%-2.73%0.05%-9.75%
Return on Equity (ROE)
23.10%11.00%-22.72%0.40%-80.56%
Return on Capital Employed (ROCE)
9.30%1.89%8.02%4.05%2.13%
Return on Invested Capital (ROIC)
8.97%1.82%0.65%3.80%1.98%
Return on Tangible Assets
3.83%1.72%-2.73%0.05%-9.78%
Earnings Yield
15.28%8.90%-7.04%0.50%-97.08%
Efficiency Ratios
Receivables Turnover
20.75 0.04 15.17 52.89 8.69
Payables Turnover
0.00 11.27 1.60 5.48 5.22
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
15.93 0.07 9.47 9.75 5.80
Asset Turnover
0.20 <0.01 0.18 0.24 0.16
Working Capital Turnover Ratio
0.69 -0.01 -2.12 0.93 0.72
Cash Conversion Cycle
17.59 8.81K -203.93 -59.67 -27.90
Days of Sales Outstanding
17.59 8.84K 24.06 6.90 42.02
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
0.00 32.39 228.00 66.57 69.91
Operating Cycle
17.59 8.84K 24.06 6.90 42.02
Cash Flow Ratios
Operating Cash Flow Per Share
-0.01 -0.08 -0.10 -0.19 -0.57
Free Cash Flow Per Share
-0.01 -0.08 -0.10 -0.19 -0.58
CapEx Per Share
<0.01 <0.01 <0.01 <0.01 <0.01
Free Cash Flow to Operating Cash Flow
1.02 1.02 1.02 1.02 1.02
Dividend Paid and CapEx Coverage Ratio
-48.56 -58.03 -40.78 -41.76 -57.58
Capital Expenditure Coverage Ratio
-48.56 -58.03 -40.78 -41.76 -57.58
Operating Cash Flow Coverage Ratio
>-0.01 -0.04 -0.10 -0.07 -0.18
Operating Cash Flow to Sales Ratio
-0.03 -34.31 -0.44 -0.25 -0.87
Free Cash Flow Yield
-2.12%-17.11%-20.72%-61.14%-139.54%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
6.70 11.23 -14.20 201.41 -1.03
Price-to-Sales (P/S) Ratio
1.32 203.93 2.17 0.42 0.64
Price-to-Book (P/B) Ratio
1.44 1.24 3.23 0.80 0.83
Price-to-Free Cash Flow (P/FCF) Ratio
-48.27 -5.84 -4.83 -1.64 -0.72
Price-to-Operating Cash Flow Ratio
-48.66 -5.94 -4.94 -1.67 -0.73
Price-to-Earnings Growth (PEG) Ratio
0.05 -0.05 <0.01 -2.01 -0.03
Price-to-Fair Value
1.44 1.24 3.23 0.80 0.83
Enterprise Value Multiple
9.42 8.18 32.10 8.47 31.09
Enterprise Value
403.40M 375.84M 431.73M 300.75M 277.73M
EV to EBITDA
9.36 8.18 32.10 8.47 31.09
EV to Sales
5.18 1.02K 6.57 3.81 5.18
EV to Free Cash Flow
-189.30 -29.34 -14.62 -14.71 -5.84
EV to Operating Cash Flow
-193.20 -29.85 -14.97 -15.07 -5.94
Tangible Book Value Per Share
0.44 0.39 0.15 0.39 0.49
Shareholders’ Equity Per Share
0.45 0.40 0.16 0.40 0.50
Tax and Other Ratios
Effective Tax Rate
0.01 <0.01 0.68 0.02 >-0.01
Revenue Per Share
0.49 <0.01 0.23 0.74 0.65
Net Income Per Share
0.10 0.04 -0.04 <0.01 -0.40
Tax Burden
1.01 1.00 0.32 0.98 1.00
Interest Burden
0.36 0.15 -2.70 <0.01 -5.41
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.02 98.23 0.14 0.47 0.68
Stock-Based Compensation to Revenue
<0.01 0.00 0.02 0.01 0.02
Income Quality
-0.14 0.00 2.87 -120.26 1.41
Currency in AUD