Pioneer Credit Ltd (PNC) Share Price & Analysis

PNC Stock Chart & Stats

A$0.61A$0.01(1.68%)

At close: Oct 30 4:00 PM GMT+11

Day’s Range: AUD 0.60 - AUD 0.61
52-Week Range: AUD 0.55 - AUD 0.79
Previous Close: AUD 0.60
Volume: 18.86K
Average Volume (3M): 75.86K
Market Cap: AUD 115.47M
Enterprise Value: AUD 296.01M
Total Cash (Recent Filing): AUD 140.08M
Total Debt (Recent Filing): AUD 324.60M
Price to Earnings (P/E): 4.2
Beta: 0.92
Next Earnings: Mar 01, 2027 (Est.)
EPS Estimate: N/A
Last Dividend Ex-Date: Mar 29, 2019
Dividend Yield: N/A

Bulls Say, Bears Say

Bulls Say

Revenue And Profit Recovery

Latest-year revenue growth of 29.8% and net income of 23.2M show a substantial earnings recovery. If sustained, this improvement can rebuild equity, support investment in collections capability, and provide greater resilience against portfolio-performance swings.

Operating Cash Flow Rebound

Operating cash flow reached 70.0M in 2026 after negative years, indicating materially better cash conversion in the latest period. Stronger internal cash generation can help fund portfolio purchases and operating needs without relying entirely on additional external financing.

Spread-Based Collections Model

Buying non-performing receivables below face value and collecting over time creates a repeatable spread-based model. Hardship-aware arrangements and recovery strategies can support customer engagement, while collection expertise may convert acquired portfolios into recurring cash receipts.

Bears Say

Very High Leverage

Debt of 328.2M against equity of 83.8M leaves a limited balance-sheet cushion and makes the company more sensitive to weaker earnings or credit conditions. High leverage can restrict financial flexibility, increase refinancing pressure, and constrain future portfolio investment.

Earnings Volatility

Although profitability improved in 2026, losses in 2024 and 2022 and near-breakeven results in 2023 show that earnings have been materially uneven. This history reduces confidence that the latest recovery represents a stable earnings base through changing collection conditions.

Unproven Free Cash Flow Durability

The 2026 operating cash flow rebound has not yet translated into clearly positive free cash flow, which was reported at zero after prior negative levels. This limits evidence of durable cash generation and may reduce the funds available for deleveraging or growth.

Pioneer Credit Ltd News

Pioneer Credit Acquires $206 Million Debt Portfolio

Pioneer Credit Ltd ( ($AU:PNC) ) has shared an update. Pioneer Credit has signed a three-year agreement with one of Australia’s four major banks and completed its first portfolio acquisition

13h agoPNC

Pioneer Credit Director Slightly Reduces Stake in Off-Market Employee Incentive Transfer

The latest announcement is out from Pioneer Credit Ltd ( ($AU:PNC) ). Pioneer Credit Ltd has reported a change in the securities interests of director Keith Roy John, reflecting an

3w agoPNC

Pioneer Credit sets date for 2026 virtual AGM

Pioneer Credit Ltd ( ($AU:PNC) ) has issued an announcement. Pioneer Credit Ltd, an ASX-listed financial services provider focused on helping Australians out of financial difficulty, is highlighting its customer-centric

1M agoPNC

Pioneer Credit director boosts shareholding through equity incentive vesting

Pioneer Credit Ltd ( ($AU:PNC) ) has shared an update. Pioneer Credit Limited has disclosed a change in the interests of director Keith Roy John, reflecting movements in his holdings

2M agoPNC

Pioneer Credit Seeks ASX Quotation for Nearly 3 Million New Shares

Pioneer Credit Ltd ( ($AU:PNC) ) has provided an update. Pioneer Credit Ltd has lodged an application with the ASX for quotation of new ordinary fully paid shares, expanding its

2M agoPNC

Pioneer Credit Sets Out Comprehensive Corporate Governance Framework

Pioneer Credit Ltd ( ($AU:PNC) ) has issued an announcement. Pioneer Credit Ltd has outlined a comprehensive corporate governance framework that details the role of its board of directors, specialised

2M agoPNC

Pioneer Credit files ASX governance statement and Appendix 4G

Pioneer Credit Ltd ( ($AU:PNC) ) has provided an update. Pioneer Credit Limited has lodged its corporate governance statement for the year ended 30 June 2026 with the ASX, confirming

2M agoPNC

Pioneer Credit Outlines FY2026 Results in Investor Presentation

Pioneer Credit Ltd ( ($AU:PNC) ) has provided an update. Pioneer Credit Ltd has released a presentation outlining its financial year 2026 results, delivered by Managing Director Keith John and

2M agoPNC

Pioneer Credit posts record profit and boosts funding for FY27 growth

An update from Pioneer Credit Ltd ( ($AU:PNC) ) is now available. Pioneer Credit Limited reported a record FY26 statutory NPAT of $23.1 million, up 245% on the prior year,

2M agoPNC

Pioneer Credit Unveils Comprehensive 2026 Annual Report

The latest announcement is out from Pioneer Credit Ltd ( ($AU:PNC) ). Pioneer Credit Ltd has released its annual report for the year ended 30 June 2026, presenting a comprehensive

2M agoPNC

PNC FAQ

What was Pioneer Credit Ltd’s price range in the past 12 months?

Pioneer Credit Ltd lowest share price was AU$0.55 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$115.47M.

When is Pioneer Credit Ltd’s upcoming earnings report date?

The company’s upcoming earnings report date is not yet available.

How were Pioneer Credit Ltd’s earnings last quarter?

Pioneer Credit Ltd released its earnings results on Aug 18, 2026. The company reported AU$0.085 earnings per share for the quarter.

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 ―. 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 192,002,990 shares outstanding.

What happened to Pioneer Credit Ltd’s price movement after its last earnings report?

Pioneer Credit Ltd reported an EPS of AU$0.085 in its last earnings report. Following the earnings report the stock price went up 2.239%.

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

Neutral

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