Pioneer Credit Ltd (PNC) AI Stock Analysis

• Market Cap: AU$126.84M
• Dividend Yield: N/A
• Average Volume (3M): 143.63K
• Price to Earnings (P/E): 4.7
• Beta (1Y): 1.25
• Revenue Growth: 13.98%
• EPS Growth: 234.80%
• Country: AU
• Employees: 359
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): N/A
• Shares Outstanding: 189,054,670
• 10 Day Avg. Volume: 157,419
• 30 Day Avg. Volume: 143,634
• PEG Ratio: 0.02
• Price to Book (P/B): 1.29
• Price to Sales (P/S): 1.07
• P/FCF Ratio: 0.00
• 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$1.20
• Price Target Upside: 96.72% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 54 Neutral
• Price Target: AU$0.65 ▲(7.05% Upside)
• Action: Reiterated
• Date: 07/23/26

Positive Factors

Improved Profitability

A material jump in 2026 earnings and operating profits indicates the core collections economics can scale when recovery rates improve. Sustained profitability provides capacity to reinvest in portfolio purchases, support servicing operations and build reserves, strengthening long-term earnings power if collections remain robust.

Negative Factors

High Leverage

A capital structure with very high leverage limits financial flexibility and increases refinancing and interest-rate vulnerability. If collections weaken, heavy debt amplifies earnings and cash volatility, constrains portfolio purchasing capacity and reduces the balance-sheet cushion during downturns.

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	Jun 2026	Jun 2025	Jun 2024	Jun 2023	Jun 2022
Income Statement
Total Revenue	101.10M	367.00K	65.74M	78.97M	53.66M
Gross Profit	101.10M	-37.41M	65.74M	73.17M	48.15M
EBITDA	50.20M	45.95M	13.45M	35.50M	8.93M
Net Income	23.20M	6.66M	-10.04M	166.00K	-33.09M
Balance Sheet
Total Assets	449.30M	388.58M	367.94M	326.75M	339.45M
Cash, Cash Equivalents and Short-Term Investments	7.90M	120.28M	118.21M	114.51M	119.37M
Total Debt	328.20M	304.56M	293.35M	275.72M	266.71M
Total Liabilities	365.40M	328.00M	323.74M	284.82M	298.38M
Stockholders Equity	83.80M	60.58M	44.19M	41.93M	41.08M
Cash Flow
Free Cash Flow	0.00	-12.81M	-29.54M	-20.44M	-47.57M
Operating Cash Flow	70.00M	-12.59M	-28.83M	-19.96M	-46.76M
Investing Cash Flow	-93.80M	-217.00K	-707.00K	-478.00K	-812.00K
Financing Cash Flow	28.10M	12.22M	25.28M	5.78M	60.27M

Pioneer Credit Ltd Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 0.61
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 0.61 is below the 20-day moving average (MA) of 0.65, below the 50-day MA of 0.66, and below the 200-day MA of 0.66, indicating a bullish trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 57.23 is Neutral, neither overbought nor oversold. The STOCH value of 92.99 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CCP	73 Outperform	AU$908.69M	8.66	11.68%	4.81%	7.39%	12.13%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SVR	67 Neutral	AU$299.58M	9.59	9.32%	7.73%	-8.03%	65.07%
PPM	64 Neutral	AU$822.14M	7.65	12.70%	15.82%	-8.26%	5.26%
PNC	54 Neutral	AU$126.84M	4.68	30.04%	―	13.98%	234.80%
LFG	50 Neutral	AU$989.74M	6.89	12.13%	15.15%	-4.02%	17.32%
MME	43 Neutral	AU$64.22M	-1.28	-43.76%	―	17.04%	-121.43%

Pioneer Credit Ltd Corporate Events