TipRanks
Pioneer Credit Ltd (AU:PNC)
ASX:PNC
Australian Market
PNC
Pioneer Credit Ltd
RESEARCH TOOLSreports
Want to see AU:PNC full AI Analyst Report?

Pioneer Credit Ltd (PNC) Ratios

4 Followers

Pioneer Credit Ltd Ratios

AU:PNC's free cash flow for Q4 2026 was AU$1.00. For the 2026 fiscal year, AU:PNC's free cash flow was decreased by AU$ and operating cash flow was AU$0.25. See a summary of the company’s cash flow.
Ratios
TTM
Jun 26Jun 25Jun 24Jun 23
Liquidity Ratios
Current Ratio
 33.92 33.92 3.77 0.44 5.64
Quick Ratio
 33.92 33.92 3.77 0.44 5.64
Cash Ratio
 1.86 1.86 0.10 0.01 0.41
Solvency Ratio
 0.07 0.06 0.02 -0.03 <0.01
Operating Cash Flow Ratio
 16.47 16.47 -0.36 -0.10 -0.97
Short-Term Operating Cash Flow Coverage
 16.47 16.47 -1.16 -0.11 -1.76
Net Current Asset Value
AU$ -217.62MAU$ -217.62MAU$ -196.86MAU$ -199.71MAU$ -168.13M
Leverage Ratios
Debt-to-Assets Ratio
 0.73 0.73 0.78 0.80 0.84
Debt-to-Equity Ratio
 3.87 3.87 5.03 6.64 6.58
Debt-to-Capital Ratio
 0.79 0.79 0.83 0.87 0.87
Long-Term Debt-to-Capital Ratio
 0.79 0.79 0.83 0.42 0.86
Financial Leverage Ratio
 5.32 5.32 6.41 8.33 7.79
Debt Service Coverage Ratio
 2.43 1.61 0.94 0.12 0.80
Interest Coverage Ratio
 4.93 1.94 0.18 0.16 0.37
Debt to Market Cap
 2.94 2.96 3.98 2.01 7.97
Interest Debt Per Share
 2.06 2.19 2.26 1.18 2.91
Net Debt to EBITDA
 9.46 6.31 6.55 21.50 7.53
Profitability Margins
Gross Profit Margin
96.24%100.00%-10194.01%100.00%92.65%
EBIT Margin
32.38%49.65%12111.44%17.67%42.22%
EBITDA Margin
33.11%49.65%12519.35%20.46%44.96%
Operating Profit Margin
46.52%51.83%1817.44%10.47%15.70%
Pretax Profit Margin
22.95%22.95%1817.44%-47.77%0.22%
Net Profit Margin
22.95%22.95%1815.80%-15.27%0.21%
Continuous Operations Profit Margin
22.95%22.95%1815.80%-15.27%0.21%
Net Income Per EBT
100.00%100.00%99.91%31.97%97.65%
EBT Per EBIT
49.33%44.27%100.00%-456.21%1.37%
Return on Assets (ROA)
5.21%5.21%1.71%-2.73%0.05%
Return on Equity (ROE)
30.04%27.68%11.00%-22.72%0.40%
Return on Capital Employed (ROCE)
10.66%11.87%1.89%8.02%4.05%
Return on Invested Capital (ROIC)
10.56%11.76%1.82%0.65%3.80%
Return on Tangible Assets
5.22%5.22%1.72%-2.73%0.05%
Earnings Yield
21.01%21.39%8.90%-7.04%0.50%
Efficiency Ratios
Receivables Turnover
 13.05 13.05 0.04 15.17 52.89
Payables Turnover
 0.95 0.00 11.27 1.60 5.48
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 21.51 21.51 0.07 9.47 9.75
Asset Turnover
 0.23 0.23 <0.01 0.18 0.24
Working Capital Turnover Ratio
 0.75 0.86 -0.01 -2.12 0.93
Cash Conversion Cycle
 -356.22 27.97 8.81K -203.93 -59.67
Days of Sales Outstanding
 27.97 27.97 8.84K 24.06 6.90
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 384.19 0.00 32.39 228.00 66.57
Operating Cycle
 27.97 27.97 8.84K 24.06 6.90
Cash Flow Ratios
Operating Cash Flow Per Share
 0.43 0.44 -0.08 -0.10 -0.19
Free Cash Flow Per Share
 <0.01 0.00 -0.08 -0.10 -0.19
CapEx Per Share
 0.43 0.44 <0.01 <0.01 <0.01
Free Cash Flow to Operating Cash Flow
 <0.01 0.00 1.02 1.02 1.02
Dividend Paid and CapEx Coverage Ratio
 1.01 1.00 -58.03 -40.78 -41.76
Capital Expenditure Coverage Ratio
 1.01 1.00 -58.03 -40.78 -41.76
Operating Cash Flow Coverage Ratio
 0.22 0.22 -0.04 -0.10 -0.07
Operating Cash Flow to Sales Ratio
 0.69 0.69 -34.31 -0.44 -0.25
Free Cash Flow Yield
0.61%0.00%-17.11%-20.72%-61.14%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 4.71 4.82 11.22 -14.20 201.41
Price-to-Sales (P/S) Ratio
 1.08 1.07 203.93 2.17 0.42
Price-to-Book (P/B) Ratio
 1.32 1.29 1.24 3.23 0.80
Price-to-Free Cash Flow (P/FCF) Ratio
 162.72 0.00 -5.84 -4.83 -1.64
Price-to-Operating Cash Flow Ratio
 1.58 1.55 -5.94 -4.94 -1.67
Price-to-Earnings Growth (PEG) Ratio
 0.02 0.02 -0.05 <0.01 -2.01
Price-to-Fair Value
 1.32 1.29 1.24 3.23 0.80
Enterprise Value Multiple
 12.72 8.47 8.18 32.10 8.47
Enterprise Value
 425.89M 425.15M 375.84M 431.73M 300.75M
EV to EBITDA
 12.72 8.47 8.18 32.10 8.47
EV to Sales
 4.21 4.21 1.02K 6.57 3.81
EV to Free Cash Flow
 634.71 0.00 -29.34 -14.62 -14.71
EV to Operating Cash Flow
 6.08 6.07 -29.85 -14.97 -15.07
Tangible Book Value Per Share
 0.51 0.52 0.39 0.15 0.39
Shareholders’ Equity Per Share
 0.52 0.52 0.40 0.16 0.40
Tax and Other Ratios
Effective Tax Rate
 0.00 0.00 <0.01 0.68 0.02
Revenue Per Share
 0.62 0.63 <0.01 0.23 0.74
Net Income Per Share
 0.14 0.14 0.04 -0.04 <0.01
Tax Burden
 1.00 1.00 1.00 0.32 0.98
Interest Burden
 0.71 0.46 0.15 -2.70 <0.01
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.00 0.00 98.23 0.14 0.47
Stock-Based Compensation to Revenue
 0.00 0.00 1.89 0.02 0.01
Income Quality
 3.02 3.02 -1.89 2.87 -120.26
Currency in AUD