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Pioneer Credit Ltd (AU:PNC)
ASX:PNC
Australian Market
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Pioneer Credit Ltd (PNC) AI Stock Analysis

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AU:PNC

Pioneer Credit Ltd

(Sydney:PNC)

Rating:42Neutral
Price Target:
AU$0.50
▲(2.04%Upside)
Pioneer Credit Ltd faces significant financial difficulties, reflected in its low overall stock score. The most significant factors are the substantial revenue decline and profitability issues, combined with high leverage and negative cash flows. Technical indicators offer some potential for upside, but valuation metrics remain unattractive due to negative earnings and lack of dividends.

Pioneer Credit Ltd (PNC) vs. iShares MSCI Australia ETF (EWA)

Pioneer Credit Ltd Business Overview & Revenue Model

Company DescriptionPioneer Credit Ltd (PNC) is a financial services company operating primarily in the debt management and recovery sector. The company specializes in acquiring and servicing unsecured retail debt portfolios. It partners with banks, financial institutions, and utility companies to manage and recover debt effectively, thereby helping clients optimize their balance sheets and improve cash flow.
How the Company Makes MoneyPioneer Credit Ltd generates revenue primarily through the acquisition and management of distressed debt portfolios. The company purchases these portfolios at a discount from face value and then works to recover the maximum amount possible through negotiations, payment plans, and legal actions if necessary. This process allows Pioneer Credit Ltd to realize a profit on the difference between the purchase price and the amount collected. Additionally, the company may earn service fees for managing debt recovery on behalf of other institutions, providing a secondary revenue stream. Significant partnerships with banks and financial institutions enhance its ability to secure and manage large debt portfolios, contributing to its earnings.

Pioneer Credit Ltd Financial Statement Overview

Summary
Pioneer Credit Ltd faces significant financial challenges, with declining revenues and profitability, high leverage, and negative cash flows. The income statement shows a severe drop in revenue and profits, while the balance sheet indicates high leverage risks. Cash flow issues further compound the company's financial difficulties, suggesting a need for strategic restructuring to improve financial health and stability.
Income Statement
40
Negative
Pioneer Credit Ltd has experienced declining revenue from $77.48M in 2023 to $32.98M in 2024, indicating a significant revenue drop of nearly 57.4%. This decrease is also reflected in the negative net income and EBIT margins, with a net profit margin of -30.4% and EBIT margin of -39.8% in 2024. The gross profit margin remains relatively high at 81.7%, but this is overshadowed by the negative bottom-line figures. Overall, the income statement reveals substantial challenges in revenue generation and profitability.
Balance Sheet
50
Neutral
The balance sheet shows a high debt-to-equity ratio of 6.49, suggesting significant leverage risk. There is a positive equity ratio of 12.0%, indicating some level of stability. However, the return on equity is negative at -22.7%, highlighting poor profitability from the equity base. The financial position is strained due to high liabilities compared to equity, posing potential risks for financial stability.
Cash Flow
30
Negative
The cash flow analysis reveals negative operating cash flow of -$28.83M in 2024, deteriorating from previous years. There is a negative free cash flow of -$29.54M, indicating challenges in cash generation. The operating cash flow to net income ratio is not favorable, and the free cash flow to net income ratio highlights continued cash flow issues. This indicates financial difficulties in maintaining liquidity and funding operations.
BreakdownJun 2024Jun 2023Jun 2022Jun 2021Jun 2020
Income Statement
Total Revenue65.74M77.48M53.66M52.73M53.80M
Gross Profit65.74M71.67M48.15M46.95M45.34M
EBITDA13.45M35.50M8.93M11.30M-1.02M
Net Income-10.04M166.00K-33.09M-19.66M-40.08M
Balance Sheet
Total Assets367.94M326.75M339.45M270.32M286.93M
Cash, Cash Equivalents and Short-Term Investments118.21M114.51M119.37M83.77M98.27M
Total Debt286.62M275.72M266.71M207.47M214.58M
Total Liabilities323.74M284.82M298.38M215.65M222.97M
Stockholders Equity44.19M41.93M41.08M54.67M63.96M
Cash Flow
Free Cash Flow-29.54M-20.44M-47.57M-18.45M57.32M
Operating Cash Flow-28.83M-19.96M-46.76M-17.02M57.98M
Investing Cash Flow-707.00K-478.00K-812.00K-28.96M-60.89M
Financing Cash Flow25.28M5.78M60.27M15.51M2.74M

Pioneer Credit Ltd Technical Analysis

Technical Analysis Sentiment
Negative
Last Price0.49
Price Trends
50DMA
0.50
Negative
100DMA
0.47
Positive
200DMA
0.52
Negative
Market Momentum
MACD
>-0.01
Positive
RSI
47.56
Neutral
STOCH
30.52
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:PNC, the sentiment is Negative. The current price of 0.49 is below the 20-day moving average (MA) of 0.52, below the 50-day MA of 0.50, and below the 200-day MA of 0.52, indicating a bearish trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 47.56 is Neutral, neither overbought nor oversold. The STOCH value of 30.52 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for AU:PNC.

Pioneer Credit Ltd Peers Comparison

Overall Rating
UnderperformOutperform
Sector (61)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
73
Outperform
AU$195.40M7.8471.90%22.94%
73
Outperform
AU$1.05B9.8213.05%3.56%6.70%126.16%
61
Neutral
C$14.99B6.3723.28%5.57%33.59%-23.72%
53
Neutral
AU$108.01M7.17-13.74%-14.61%-325.81%
47
Neutral
AU$31.43M-85.47%4.91%-29.86%
46
Neutral
AU$40.45M-20.13%-5.95%-9.84%
42
Neutral
AU$77.91M-16.83%-2.45%-639.57%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
AU:PNC
Pioneer Credit Ltd
0.50
-0.01
-1.96%
AU:CCP
Credit Corp Group Limited
15.62
0.26
1.69%
AU:WZR
Wisr Ltd.
0.03
0.00
0.00%
AU:BTN
Butn Limited
0.09
0.03
50.00%
AU:PLT
Plenti Group Ltd.
1.10
0.38
52.78%
AU:MME
MoneyMe Ltd.
0.14
0.04
40.00%

Pioneer Credit Ltd Corporate Events

Pioneer Credit Announces Performance Rights Vesting and Strategic Financial Goals
Jul 25, 2025

Pioneer Credit Limited announced the vesting of 100,000 Performance Rights into fully paid ordinary shares, with stringent conditions leading to the lapse of 342,974 Rights. No new shares were issued for this vesting, as Pacific Custodians Pty Ltd acquires shares on the market to satisfy the vesting under the Pioneer Equity Incentive Plan. The company aims for further vesting of 7,034,266 Rights contingent on achieving a statutory net profit after tax of $18 million for FY26, highlighting its strategic focus on financial growth and operational efficiency.

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.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Jul 26, 2025