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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)

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Neutral 58 (OpenAI - 4o)
Rating:58Neutral
Price Target:
AU$0.50
▼(-21.88% Downside)
Pioneer Credit Ltd's overall stock score is primarily impacted by its challenging financial performance, characterized by declining revenues and high leverage. While technical indicators show bullish momentum, the financial risks and moderate valuation temper the overall outlook.

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 is facing a challenging financial situation with significant revenue decline and high leverage. Despite positive net profit and EBIT margins, the negative gross profit margin and cash flow challenges highlight financial instability. Strategic improvements are needed for stability.
Income Statement
35
Negative
Pioneer Credit Ltd has experienced significant revenue decline, with a dramatic drop in revenue growth rate to -98.95% in the latest year. Despite this, the company managed to achieve a positive net profit margin of 18.16% and a strong EBIT margin of 121.11%. However, the negative gross profit margin indicates challenges in cost management.
Balance Sheet
40
Negative
The company exhibits high leverage with a debt-to-equity ratio of 5.03, indicating potential financial risk. Return on equity is modest at 0.11%, suggesting limited profitability relative to equity. The equity ratio stands at 15.59%, reflecting a low proportion of equity financing.
Cash Flow
30
Negative
Pioneer Credit Ltd faces cash flow challenges, with negative operating cash flow and free cash flow. The free cash flow to net income ratio is slightly above 1, indicating that free cash flow covers net income, but the negative growth in free cash flow (-42.22%) is concerning.
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue58.86M367.00K65.74M78.97M53.66M53.40M
Gross Profit58.86M-37.41M65.74M73.17M48.15M47.62M
EBITDA41.66M45.95M13.45M35.50M8.93M11.30M
Net Income6.66M6.66M-10.04M166.00K-33.09M-19.66M
Balance Sheet
Total Assets388.58M388.58M367.94M326.75M339.45M270.32M
Cash, Cash Equivalents and Short-Term Investments120.28M120.28M118.21M114.51M119.37M83.77M
Total Debt304.56M304.56M293.35M275.72M266.71M207.47M
Total Liabilities328.00M328.00M323.74M284.82M298.38M215.65M
Stockholders Equity60.58M60.58M44.19M41.93M41.08M54.67M
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 Flow19.33M12.22M25.28M5.78M60.27M15.51M

Pioneer Credit Ltd Technical Analysis

Technical Analysis Sentiment
Positive
Last Price0.64
Price Trends
50DMA
0.57
Positive
100DMA
0.53
Positive
200DMA
0.51
Positive
Market Momentum
MACD
0.01
Negative
RSI
56.57
Neutral
STOCH
83.70
Negative
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 0.64 is above the 20-day moving average (MA) of 0.59, above the 50-day MA of 0.57, and above the 200-day MA of 0.51, indicating a bullish trend. The MACD of 0.01 indicates Negative momentum. The RSI at 56.57 is Neutral, neither overbought nor oversold. The STOCH value of 83.70 is Negative, 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

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
73
Outperform
AU$281.70M11.3071.90%22.94%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
58
Neutral
AU$96.99M14.9712.72%-0.51%
57
Neutral
€1.02B10.8911.07%4.47%5.01%85.56%
47
Neutral
AU$39.89M-26.29%8.28%84.45%
41
Neutral
AU$49.26M-19.44%-2.35%13.33%
38
Underperform
AU$92.01M7.17-42.59%-9.56%-392.31%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
AU:PNC
Pioneer Credit Ltd
0.64
0.12
23.08%
AU:CCP
Credit Corp Group Limited
15.12
-1.01
-6.24%
AU:WZR
Wisr Ltd.
0.03
0.00
0.00%
AU:BTN
Butn Limited
0.10
0.04
66.67%
AU:PLT
Plenti Group Ltd.
1.58
0.87
122.54%
AU:MME
MoneyMe Ltd.
0.12
<0.01
9.09%

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: Oct 04, 2025