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Pioneer Credit Ltd
(Sydney:PNC)
Pioneer Credit Ltd (PNC) vs. iShares MSCI Australia ETF (EWA)
Pioneer Credit Ltd Business Overview & Revenue Model
Pioneer Credit Ltd Financial Statement Overview
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 58.86M | 367.00K | 65.74M | 78.97M | 53.66M | 53.40M |
| Gross Profit | 58.86M | -37.41M | 65.74M | 73.17M | 48.15M | 47.62M |
| EBITDA | 42.26M | 45.95M | 13.45M | 35.50M | 8.93M | 11.30M |
| Net Income | 6.66M | 6.66M | -10.04M | 166.00K | -33.09M | -19.66M |
Balance Sheet | ||||||
| Total Assets | 388.58M | 388.58M | 367.94M | 326.75M | 339.45M | 270.32M |
| Cash, Cash Equivalents and Short-Term Investments | 120.28M | 120.28M | 118.21M | 114.51M | 119.37M | 83.77M |
| Total Debt | 304.56M | 304.56M | 293.35M | 275.72M | 266.71M | 207.47M |
| Total Liabilities | 328.00M | 328.00M | 323.74M | 284.82M | 298.38M | 215.65M |
| Stockholders Equity | 60.58M | 60.58M | 44.19M | 41.93M | 41.08M | 54.67M |
Cash Flow | ||||||
| Free Cash Flow | -12.64M | -12.81M | -29.54M | -20.44M | -47.57M | -18.45M |
| Operating Cash Flow | -12.59M | -12.59M | -28.83M | -19.96M | -46.76M | -17.02M |
| Investing Cash Flow | -217.00K | -217.00K | -707.00K | -478.00K | -812.00K | -28.96M |
| Financing Cash Flow | 19.33M | 12.22M | 25.28M | 5.78M | 60.27M | 15.51M |
Pioneer Credit Ltd Technical Analysis
Pioneer Credit Ltd Peers Comparison
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | AU$237.74M | 9.44 | 95.31% | ― | 19.38% | ― | |
57 Neutral | €873.30M | 9.28 | 11.07% | 5.30% | 5.01% | 85.56% | |
52 Neutral | AU$104.14M | 15.20 | 12.72% | ― | -0.51% | ― | |
42 Neutral | AU$47.85M | -6.54 | -19.44% | ― | -2.35% | 13.33% | |
42 Neutral | AU$89.11M | -1.32 | -42.59% | ― | -9.56% | -392.31% | |
38 Underperform | AU$34.60M | -9.58 | -26.29% | ― | 8.28% | 84.45% |
Pioneer Credit Ltd Corporate Events
Pioneer Credit Limited announced a change in the director’s interest, with Keith Roy John disposing of 25,000 fully paid ordinary shares through an off-market transfer. This adjustment in shareholding reflects a strategic move related to employee incentives, potentially impacting the company’s internal equity distribution and aligning with its broader operational goals.
The most recent analyst rating on (AU:PNC) stock is a Buy with a A$0.85 price target. To see the full list of analyst forecasts on Pioneer Credit Ltd stock, see the AU:PNC Stock Forecast page.
Pioneer Credit Limited announced the results of its 2025 Annual General Meeting, where all resolutions were carried with significant support. Key outcomes included the re-election of Pauline Gately, the election of David Birrell, and the approval of a 10% placement facility. These decisions reflect strong shareholder confidence and position the company for continued growth and operational stability.
The most recent analyst rating on (AU:PNC) stock is a Buy with a A$1.09 price target. To see the full list of analyst forecasts on Pioneer Credit Ltd stock, see the AU:PNC Stock Forecast page.
Pioneer Credit Limited’s Managing Director presented today, highlighting the company’s commitment to supporting Australians in achieving financial independence. The presentation underscores the company’s strategic focus on leveraging its industry relationships and compliance record to drive future growth, potentially strengthening its market position and benefiting stakeholders.
The most recent analyst rating on (AU:PNC) stock is a Buy with a A$1.09 price target. To see the full list of analyst forecasts on Pioneer Credit Ltd stock, see the AU:PNC Stock Forecast page.
Pioneer Credit Limited reported a significant return to profitability and growth in FY25, surpassing market expectations with a statutory net profit after tax of $6.7 million and a normalised net profit after tax of $10.5 million. The company achieved notable financial performance through disciplined execution, operational efficiency, and a commitment to ending debt stress, as evidenced by increased cash collections, EBITDA, and EBIT. Pioneer Credit also strengthened its market position by securing agreements with all four major banks in Australia, reflecting its reputation as an ethical servicer with a customer-first philosophy.
The most recent analyst rating on (AU:PNC) stock is a Buy with a A$1.09 price target. To see the full list of analyst forecasts on Pioneer Credit Ltd stock, see the AU:PNC Stock Forecast page.
Pioneer Credit Limited has announced a 100-basis point reduction in the pricing of its $272.5 million senior finance facility, effective from November 1, 2025. This repricing is expected to save the company approximately $2.5 million annually in pre-tax interest, reflecting its strong financial performance in FY25 and positive outlook for FY26. The company is fully funded for its FY26 Purchased Debt Portfolio investment program, projected to exceed $80 million, with commitments to be met through free cash flow. Pioneer has agreed not to repay the facility before July 2027, ahead of its maturity in July 2028, while maintaining all financial covenants.
The most recent analyst rating on (AU:PNC) stock is a Hold with a A$0.50 price target. To see the full list of analyst forecasts on Pioneer Credit Ltd stock, see the AU:PNC Stock Forecast page.
Pioneer Credit Limited has announced its upcoming Annual General Meeting, scheduled for October 30, 2025, to be held virtually. The meeting will address several resolutions, including the re-election of directors and approval of a placement facility. This announcement signifies the company’s ongoing commitment to governance and strategic growth, potentially impacting its market positioning and stakeholder relations.
The most recent analyst rating on (AU:PNC) stock is a Buy with a A$0.82 price target. To see the full list of analyst forecasts on Pioneer Credit Ltd stock, see the AU:PNC Stock Forecast page.
Pioneer Credit Limited has announced the proposed appointment of Mr. David Birrell as a non-executive director, nominated by its largest institutional shareholder, Samuel Terry Asset Management (STAM). Mr. Birrell, who has over 25 years of experience in capital markets, previously played a significant role in STAM’s decision to invest in Pioneer. The board unanimously recommends his election, reflecting STAM’s desire to maintain a close connection with the company.
The most recent analyst rating on (AU:PNC) stock is a Buy with a A$0.82 price target. To see the full list of analyst forecasts on Pioneer Credit Ltd stock, see the AU:PNC Stock Forecast page.
Pioneer Credit Limited has announced that its 2025 Annual General Meeting will be held on 30 October 2025 via a live webcast. During the meeting, Managing Director Keith John will update shareholders on the company’s year-to-date performance and outlook for FY26. This meeting is significant for stakeholders as it provides insights into the company’s operational progress and future strategies.
The most recent analyst rating on (AU:PNC) stock is a Buy with a A$0.82 price target. To see the full list of analyst forecasts on Pioneer Credit Ltd stock, see the AU:PNC Stock Forecast page.
Pioneer Credit Limited announced that its Equity Incentive Plan Trust will acquire fully paid ordinary shares on the market to satisfy performance rights under its Performance Rights Plan. The acquisition will adhere to legal regulations to prevent market manipulation, and the company’s Share Trading Policy will be strictly followed. This move is part of Pioneer’s strategy to enhance its operational framework while maintaining compliance and transparency, potentially impacting its market positioning positively.
The most recent analyst rating on (AU:PNC) stock is a Buy with a A$0.82 price target. To see the full list of analyst forecasts on Pioneer Credit Ltd stock, see the AU:PNC Stock Forecast page.
Pioneer Credit Limited has announced the cessation of 1,080,909 performance rights, as the conditions for these securities were not met by the deadline of June 30, 2025. This development may impact the company’s capital structure and could have implications for its financial strategy and stakeholder relations.
The most recent analyst rating on (AU:PNC) stock is a Buy with a A$0.80 price target. To see the full list of analyst forecasts on Pioneer Credit Ltd stock, see the AU:PNC Stock Forecast page.
Pioneer Credit Limited reported strong financial performance for FY25, with a significant increase in EBIT and net profit, driven by disciplined cost management and strategic PDP investments. The company has strengthened its market position by securing agreements with all four major Australian banks, enhancing its balance sheet, and progressing with its Core System Replacement project to improve scalability and operational efficiency.
The most recent analyst rating on (AU:PNC) stock is a Buy with a A$0.82 price target. To see the full list of analyst forecasts on Pioneer Credit Ltd stock, see the AU:PNC Stock Forecast page.
Pioneer Credit Ltd has released its annual report for the year ending June 30, 2025, detailing its financial performance and operational highlights. The report includes a comprehensive review of operations, business risks, and corporate governance, providing stakeholders with insights into the company’s strategic direction and financial health.
The most recent analyst rating on (AU:PNC) stock is a Buy with a A$0.82 price target. To see the full list of analyst forecasts on Pioneer Credit Ltd stock, see the AU:PNC Stock Forecast page.
Pioneer Credit Limited has announced the release of its FY25 financial results on 27 August 2025, followed by an investor webinar featuring the Managing Director and Chief Financial Officer. The company will also hold its Annual General Meeting on 30 October 2025 via webcast. These events are crucial for stakeholders as they provide insights into the company’s financial performance and future guidance, potentially impacting its market positioning and stakeholder confidence.
The most recent analyst rating on (AU:PNC) stock is a Buy with a A$0.80 price target. To see the full list of analyst forecasts on Pioneer Credit Ltd stock, see the AU:PNC Stock Forecast page.