Pioneer Credit Ltd (PNC) AI Stock Analysis

• Market Cap: AU$111.30M
• Dividend Yield: N/A
• Average Volume (3M): 143.63K
• Price to Earnings (P/E): 7.3
• Beta (1Y): 1.26
• Revenue Growth: 7.36%
• EPS Growth: N/A
• Country: AU
• Employees: 349
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): 0.09
• Shares Outstanding: 160,721,340
• 10 Day Avg. Volume: 157,419
• 30 Day Avg. Volume: 143,634
• 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 Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: AU$1.00
• Price Target Upside: 63.93% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): 0.14
• Revenue Forecast (FY): AU$97.11M

• Rating: 52 Neutral
• Price Target: AU$0.66 ▲(7.70% Upside)
• Action: Reiterated
• Date: 11/13/25

Positive Factors

Profitability Margins

Reported high net profit and exceptionally strong EBIT margins indicate the company's ability to extract surplus value from collections and portfolio wins. Sustained margin advantage supports durable earnings power if underwriting and collection performance remain consistent over time.

Negative Factors

High Leverage

Very high debt relative to equity increases financial fragility, raising refinancing and interest-rate risks. Leverage limits flexibility to buy new portfolios and magnifies earnings volatility, making long-term growth and capital allocation sensitive to funding market conditions.

Pioneer Credit Ltd Business Overview & Revenue Model

Company Description

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 establish...

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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 establish...

How the Company Makes Money

Pioneer Credit generates revenue primarily by purchasing non-performing consumer debt portfolios (typically charged-off receivables) from originating lenders (e.g., banks and other credit providers) at a discount to face value, then collecting rep...

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Pioneer Credit generates revenue primarily by purchasing non-performing consumer debt portfolios (typically charged-off receivables) from originating lenders (e.g., banks and other credit providers) at a discount to face value, then collecting rep...

Pioneer Credit Ltd Financial Statement Overview

Breakdown	TTM	Jun 2025	Jun 2024	Jun 2023	Jun 2022	Jun 2021
Income Statement
Total Revenue	77.89M	367.00K	65.74M	78.97M	53.66M	53.40M
Gross Profit	74.08M	-37.41M	65.74M	73.17M	48.15M	47.62M
EBITDA	43.09M	45.95M	13.45M	35.50M	8.93M	11.30M
Net Income	15.16M	6.66M	-10.04M	166.00K	-33.09M	-19.66M
Balance Sheet
Total Assets	396.51M	388.58M	367.94M	326.75M	339.45M	270.32M
Cash, Cash Equivalents and Short-Term Investments	136.38M	120.28M	118.21M	114.51M	119.37M	83.77M
Total Debt	311.39M	304.56M	293.35M	275.72M	266.71M	207.47M
Total Liabilities	325.86M	328.00M	323.74M	284.82M	298.38M	215.65M
Stockholders Equity	70.65M	60.58M	44.19M	41.93M	41.08M	54.67M
Cash Flow
Free Cash Flow	-2.13M	-12.81M	-29.54M	-20.44M	-47.57M	-18.45M
Operating Cash Flow	-2.09M	-12.59M	-28.83M	-19.96M	-46.76M	-17.02M
Investing Cash Flow	-189.00K	-217.00K	-707.00K	-478.00K	-812.00K	-28.96M
Financing Cash Flow	10.08M	12.22M	25.28M	5.78M	60.27M	15.51M

Pioneer Credit Ltd Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 0.61
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:PNC, the sentiment is Positive. The current price of 0.61 is below the 20-day moving average (MA) of 0.64, below the 50-day MA of 0.62, and below the 200-day MA of 0.65, indicating a bullish trend. The MACD of 0.03 indicates Negative momentum. The RSI at 63.06 is Neutral, neither overbought nor oversold. The STOCH value of 71.11 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AU:PNC.

Pioneer Credit Ltd Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CCP	59 Neutral	AU$889.63M	9.38	10.55%	4.81%	3.49%	-12.05%
PLT	56 Neutral	AU$141.39M	9.81	20.23%	―	20.39%	-42.91%
PNC	52 Neutral	AU$111.30M	7.33	23.10%	―	7.36%	―
WZR	43 Neutral	AU$33.48M	-3.29	-26.13%	―	7.47%	5.97%
MME	43 Neutral	AU$68.27M	-1.33	-43.76%	―	17.04%	-121.43%
BTN	41 Neutral	AU$5.72M	-1.35	-36.66%	―	13.59%	66.07%