Pioneer Credit Ltd (AU:PNC)
ASX:PNC
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PNC Stock Chart & Stats
AU$0.61
-AU$0.02(-2.65%)
At close: 4:00 PM EST
AU$0.61
-AU$0.02(-2.65%)
Day’s Range― - ―
52-Week RangeAU$0.48 - AU$0.79
Previous CloseN/A
Volume18.86K
Average Volume (3M)143.63K
Market Cap
AU$95.40M
Enterprise ValueAU$399.38M
Total Cash (Recent Filing)AU$136.38M
Total Debt (Recent Filing)AU$311.39M
Price to Earnings (P/E)6.4
Beta1.10
Next Earnings
Sep 01, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.09
Shares Outstanding160,721,340
10 Day Avg. Volume157,419
30 Day Avg. Volume143,634
Financial Highlights & Ratios
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 CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
AU$1.00Price Target Upside63.93% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)0.14
Revenue Forecast (FY)AU$97.10M
Bulls Say, Bears Say
Bulls Say
Discounted NPL Acquisition Business ModelThe core model of buying charged-off receivables at a discount and collecting over time creates durable spread economics: long-lived cash inflows if collections meet forecasts. This model scales with disciplined underwriting and stable funding access, supporting earnings over months if portfolio sourcing persists.
High Reported Operating And Net MarginsReported strong EBIT and net margins indicate the business can convert collections into earnings efficiently when volumes allow. Persistent margin advantage implies operational leverage in collections and low incremental operating costs, offering structural profitability potential if revenue normalizes and underwriting remains disciplined.
Specialized NPL Servicing And Third-party ActivityDeep specialization in NPL acquisition and outsourced credit management creates expertise, institutional relationships and potential recurring servicing fees. This niche positioning builds barriers to entry, diversified revenue streams and operational scale that can sustain performance over a multi-month horizon.
Bears Say
Severe Recent Revenue CollapseA near-total revenue collapse materially reduces scale and undermines the economics of buying and servicing portfolios. Lower originations and collections constrain reinvestment, reduce bargaining power on purchases, and make earnings more volatile; sustained low revenue erodes the business' capacity to recover over the next several months.
Very High Financial LeverageAn elevated debt-to-equity ratio and low equity base limit financial flexibility and increase refinancing and interest-rate vulnerability. High leverage magnifies downside from collection shortfalls and constrains ability to fund new portfolio acquisitions, creating persistent solvency and liquidity risk over a 2-6 month horizon.
Weak And Deteriorating Cash FlowNegative operating cash flow and a 42% drop in free cash flow materially impair the firm's capacity to buy portfolios, service debt and invest in collections. Even if FCF currently covers net income, the steep decline signals worsening cash conversion and heightens refinancing risk within the medium term.
Pioneer Credit Ltd News
PNC FAQ
What was Pioneer Credit Ltd’s price range in the past 12 months?
Pioneer Credit Ltd lowest share price was AU$0.47 and its highest was AU$0.79 in the past 12 months.
What is Pioneer Credit Ltd’s market cap?
Pioneer Credit Ltd’s market cap is AU$95.40M.
When is Pioneer Credit Ltd’s upcoming earnings report date?
Pioneer Credit Ltd’s upcoming earnings report date is Sep 01, 2026 which is in 87 days.
How were Pioneer Credit Ltd’s earnings last quarter?
Pioneer Credit Ltd released its earnings results on Feb 17, 2026. The company reported AU$0.061 earnings per share for the quarter, beating the consensus estimate of AU$0.05 by AU$0.011.
Is Pioneer Credit Ltd overvalued?
According to Wall Street analysts Pioneer Credit Ltd’s price is currently Undervalued.
Does Pioneer Credit Ltd pay dividends?
Pioneer Credit Ltd pays a Semiannually dividend of AU$0.066 which represents an annual dividend yield of N/A. See more information on Pioneer Credit Ltd dividends here
What is Pioneer Credit Ltd’s EPS estimate?
Pioneer Credit Ltd’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Pioneer Credit Ltd have?
Pioneer Credit Ltd has 160,721,340 shares outstanding.
What happened to Pioneer Credit Ltd’s price movement after its last earnings report?
Pioneer Credit Ltd reported an EPS of AU$0.061 in its last earnings report, beating expectations of AU$0.05. Following the earnings report the stock price went down -10.067%.
Which hedge fund is a major shareholder of Pioneer Credit Ltd?
Currently, no hedge funds are holding shares in AU:PNC
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Pioneer Credit Ltd Stock Smart Score
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
AU$1.00 (63.93% Upside)
AU$1.00 (63.93% Upside)
Blogger Sentiment
Bullish
AU:PNC Sentiment 100%
Sector Average ―
Sector Average ―
Insider Transactions
Bought Shares
Worth AU$74.0K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
2.41%
12-Months-Change
Fundamentals
Return on Equity
23.10%
Trailing 12-Months
Asset Growth
6.96%
Trailing 12-Months
Company Description
Pioneer Credit Ltd
Pioneer Credit Limited, together with its subsidiaries, provides financial services in Australia. It acquires and services retail debt portfolios. The company was incorporated in 2002 and is headquartered in Perth, Australia.
PNC Stock 12 Month Forecast
Average Price Target
AU$1.00
▲(63.93% Upside)
Technical Analysis
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Options Prices
Currently, No data available
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