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PNC · ASX

Pioneer Credit Ltd (ASX:PNC)

AU$0.46

 0.0 (0.0%)
ASX:Live
22/05/2024 03:56:45 PM
HALO Ords HALO Growth GROWTH AUS All-Consensus All-Companies
Consensus Score
/10
Recommend
Target Price
Deviation
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PNC Overview

PNC Health Scores

Short Term

Mean Revision

Neutral

Trend

Neutral

Event

Neutral

Halo Model

MQV

Very Strong

GARP

Very Strong

MQV Small

Neutral

Valuation

Value

Consensus

Momentum

Price

Weak

Earnings

Neutral

Growth

Earnings

Very Weak

Dividends

Very Strong

Quality

Capital Efficiency

Weak

Balance Sheet

Very Strong

About PNC

Telephone

Address

Description

Pioneer Credit Ltd. engages in the provision of financial services specializing in acquiring and servicing unsecured retail debt portfolios. It also engages in the acquisition and servicing of unsecured retail debt portfolios comprised of personal loans and credit cards. The company was founded by Keith R. John in 1998 and is headquartered in Perth, Australia.

PNC Price Chart

Key Stats

Market Cap

AU$61.95M

PE

40.00

EV/EBITDA

3.6

Dividends Overview

DIV Yield

.0%

Franking

N/A

Ex Dividend Date (est.)

N/A

Market Data

52 weeks range

Low 0.29 - 0.48

Trade Value (12mth)

AU$8,509.00

1 week

-3.16%

1 month

-1.08%

YTD

4.55%

1 year

31.43%

All time high

3.7799999713897705

Key Fundamentals

EPS 3 yr Growth

-100.300%

EBITDA Margin

41.00%

Operating Cashflow

-$20m

Free Cash Flow Return

-6.70%

ROIC

0.10%

Interest Coverage

1.00

Quick Ratio

0.00

Other Data

Shares on Issue (Fully Dilluted)

107m

HALO Sector

Next Company Report Date

28-Aug-24

Ex Dividend Date (est.)

N/A

Next Dividend Pay Date (est.)

N/A

Reporting Currency

AUD

Short Sell (% of issue)

0.00

PNC Announcements

Latest Announcements

Date Announcements

13 May 24

Senior Debt Refinancing

×

Senior Debt Refinancing

10 May 24

Coffee Microcaps Presentation

×

Coffee Microcaps Presentation

06 May 24

Further Upgrade to FY24 PDP Investment Guidance

×

Further Upgrade to FY24 PDP Investment Guidance

23 April 24

Change in substantial holding

×

Change in substantial holding

02 April 24

Change in substantial holding - Nomura Holdings Inc

×

Change in substantial holding - Nomura Holdings Inc

02 April 24

Becoming a substantial holder

×

Becoming a substantial holder

28 March 24

Change in substantial holding - KR John

×

Change in substantial holding - KR John

28 March 24

Change in substantial holding - James Simpson

×

Change in substantial holding - James Simpson

27 March 24

Application for quotation of securities - PNC

×

Application for quotation of securities - PNC

27 March 24

Notification under S708A(5)(e) of the Corporations Act

×

Notification under S708A(5)(e) of the Corporations Act

22 March 24

Pioneer completes $10m placement for PDP acquisition growth

×

Pioneer completes $10m placement for PDP acquisition growth

22 March 24

Proposed issue of securities - PNC

×

Proposed issue of securities - PNC

21 March 24

Trading Halt

×

Trading Halt

11 March 24

Notification of cessation of securities - PNC

×

Notification of cessation of securities - PNC

29 February 24

Appendix 4D and Half-Year Report

×

Appendix 4D and Half-Year Report

29 February 24

Exceptional PDP market arrives for Pioneer

×

Exceptional PDP market arrives for Pioneer

29 February 24

1H24 Results Presentation

×

1H24 Results Presentation

27 February 24

Pioneer appoints Nomura as exclusive senior finance arranger

×

Pioneer appoints Nomura as exclusive senior finance arranger

26 February 24

Pioneer acquires significant Part IX debt portfolio

×

Pioneer acquires significant Part IX debt portfolio

22 February 24

Release of 1H24 Financial Results

×

Release of 1H24 Financial Results

17 January 24

Update on Senior Refinancing process

×

Update on Senior Refinancing process

08 December 23

Pioneer Upgrades FY24 PDP Investment Guidance

×

Pioneer Upgrades FY24 PDP Investment Guidance

20 November 23

Application for quotation of securities - PNC

×

Application for quotation of securities - PNC

20 November 23

Notification of cessation of securities - PNC

×

Notification of cessation of securities - PNC

20 November 23

Notification of cessation of securities - PNC

×

Notification of cessation of securities - PNC

PNC Fundamentals

Per Share Records

Historical data

Forecasted data

AUD 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026
Per Share, Growth & Valuations
EPS (Basic) $ Lock Lock Lock Lock -0.30 -0.40 0.00 Lock Lock Lock
EPS (Fully Diluted) $ Lock Lock Lock Lock -0.30 -0.40 0.00 Lock Lock Lock
     Growth % Lock Lock Lock Lock 52.0 -32.4 100.4 Lock Lock Lock
     PE X Lock Lock Lock Lock N/A 11.1 40.0 Lock Lock Lock
     EV/EBITDA X Lock Lock Lock Lock N/A 0.0 3.6 Lock Lock Lock
CFPS $ Lock Lock Lock Lock 0.55 -0.26 0.06 Lock Lock Lock
FCFPS $ Lock Lock Lock Lock 0.20 -0.58 -0.16 Lock Lock Lock
     Growth % Lock Lock Lock Lock -34.0 -147.6 123.7 Lock Lock Lock
     Yield % Lock Lock Lock Lock 39.3 -139.2 -51.9 Lock Lock Lock
DPS $ Lock Lock Lock Lock 0.00 0.00 0.00 Lock Lock Lock
     Growth % Lock Lock Lock Lock N/A N/A N/A Lock Lock Lock
     Yield % Lock Lock Lock Lock N/A 0.0 0.0 Lock Lock Lock
     Payout Ratio % Lock Lock Lock Lock 0 0 0 Lock Lock Lock
BPS $ Lock Lock Lock Lock 0.82 0.41 0.41 Lock Lock Lock
BPS (Tangible) $ Lock Lock Lock Lock 0.80 0.40 0.41 Lock Lock Lock
     Growth % Lock Lock Lock Lock -20.7 -50.5 2.8 Lock Lock Lock
Shares Outstanding
Diluted m Lock Lock Lock Lock 65 82 124 Lock Lock Lock
Basic m Lock Lock Lock Lock 65 82 106 Lock Lock Lock

Financial Records

Historical data

Forecasted data

AUD 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026
Income Statement
Sales $m Lock Lock Lock Lock 53 54 79 Lock Lock Lock
     Growth % Lock Lock Lock Lock -0.5 0.9 46.6 Lock Lock Lock
Selling & General Expenses $m Lock Lock Lock Lock 8 8 7 Lock Lock Lock
Gross Income $m Lock Lock Lock Lock 48 48 73 Lock Lock Lock
     Growth % Lock Lock Lock Lock 5.3 1.5 51.3 Lock Lock Lock
     Margin % Lock Lock Lock Lock 89.2 89.8 92.7 Lock Lock Lock
Cost of Goods Sold to Sales % Lock Lock Lock Lock 11 10 7 Lock Lock Lock
EBITDA $m Lock Lock Lock Lock 11 9 32 Lock Lock Lock
     Growth % Lock Lock Lock Lock 8,523.7 -20.9 262.7 Lock Lock Lock
     Margin % Lock Lock Lock Lock 21.2 16.6 41.0 Lock Lock Lock
Depreciation & Amortisation $m Lock Lock Lock Lock 4 3 2 Lock Lock Lock
EBIT $m Lock Lock Lock Lock 8 6 30 Lock Lock Lock
     Growth % Lock Lock Lock Lock 275.8 -18.7 393.7 Lock Lock Lock
     Margin % Lock Lock Lock Lock 14.1 11.3 38.2 Lock Lock Lock
Pretax Income $m Lock Lock Lock Lock -17 -33 0 Lock Lock Lock
Income Taxes $m Lock Lock Lock Lock 3 0 0 Lock Lock Lock
Net Income $m Lock Lock Lock Lock -20 -33 0 Lock Lock Lock
     Growth % Lock Lock Lock Lock 51.0 -68.4 100.5 Lock Lock Lock
     Margin % Lock Lock Lock Lock -36.8 -61.4 0.2 Lock Lock Lock
Cash Flow Statement
Net Operating Cash Flow $m Lock Lock Lock Lock 13 -47 -20 Lock Lock Lock
Capital Expenditures $m Lock Lock Lock Lock 1 1 0 Lock Lock Lock
Net Investing Cash Flow $m Lock Lock Lock Lock -29 -1 0 Lock Lock Lock
Net Financing Cash Flow $m Lock Lock Lock Lock 16 60 6 Lock Lock Lock
Free Cash Flow $m Lock Lock Lock Lock 13 -47 -20 Lock Lock Lock
     Growth % Lock Lock Lock Lock -78.0 -473.7 57.4 Lock Lock Lock
     Margin % Lock Lock Lock Lock 0.2 -0.9 -0.3 Lock Lock Lock
Franking Balance $m Lock Lock Lock Lock 6 6 6 Lock Lock Lock
Balance Sheet
Cash & Short-Term Investments $m Lock Lock Lock Lock 84 119 115 Lock Lock Lock
Total Assets $m Lock Lock Lock Lock 270 339 327 Lock Lock Lock
Long Term Debt $m Lock Lock Lock Lock 204 245 263 Lock Lock Lock
Net Debt $m Lock Lock Lock Lock 124 147 159 Lock Lock Lock
Total Liabilities $m Lock Lock Lock Lock 216 298 285 Lock Lock Lock
Equity $m Lock Lock Lock Lock 55 41 42 Lock Lock Lock
Invested Capital Lock Lock Lock Lock 259 286 305 Lock Lock Lock
     Growth % Lock Lock Lock Lock 271.2 10.7 6.5 Lock Lock Lock
Return Ratios
Return on Assets % Lock Lock Lock Lock -7.3 -9.7 0.1 Lock Lock Lock
Return on Equity % Lock Lock Lock Lock -36.0 -80.6 0.4 Lock Lock Lock
Return on Total Capital % Lock Lock Lock Lock 2.8 2.1 9.7 Lock Lock Lock
Return on Invested Capital % Lock Lock Lock Lock -12.0 -12.1 0.1 Lock Lock Lock
Cash Flow Return on Invested Capital % Lock Lock Lock Lock 7.8 -17.2 -6.7 Lock Lock Lock

Ratios Records

Historical data

Forecasted data

AUD 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026
Leverage
Interest Cover X Lock Lock Lock Lock 0.4 0.2 1.0 Lock Lock Lock
Debt to EBITDA X Lock Lock Lock Lock 10.9 16.5 4.9 Lock Lock Lock
Net Debt to Equity % Lock Lock Lock Lock 226.3 358.7 379.9 Lock Lock Lock
Liquidity
Current Ratio X Lock Lock Lock Lock N/A N/A 0.0 Lock Lock Lock
Quick Ratio X Lock Lock Lock Lock N/A N/A 0.0 Lock Lock Lock
Cash & ST Inv/Current Assets % Lock Lock Lock Lock N/A N/A N/A Lock Lock Lock
CFO/Current Liabilities % Lock Lock Lock Lock N/A N/A N/A Lock Lock Lock
Balance Sheet Efficiency
Receivables Turnover X Lock Lock Lock Lock 31.5 15.2 20.6 Lock Lock Lock
Inventory Turnover X Lock Lock Lock Lock N/A N/A 0.0 Lock Lock Lock
Working Capital Turnover X Lock Lock Lock Lock N/A N/A 0.0 Lock Lock Lock
Payables Turnover X Lock Lock Lock Lock N/A N/A 0.0 Lock Lock Lock
Asset Turnover X Lock Lock Lock Lock 0.2 0.2 0.2 Lock Lock Lock
Du Pont
Asset Turnover X Lock Lock Lock Lock 0.2 0.2 0.2 Lock Lock Lock
x Pretax Margin % Lock Lock Lock Lock -31.6 -61.3 0.2 Lock Lock Lock
= Pretax Return on Assets % Lock Lock Lock Lock -6.2 -9.7 0.1 Lock Lock Lock
x Tax Rate Complement (1-Tax Rate) % Lock Lock Lock Lock N/A N/A 2.4 Lock Lock Lock
Return on Assets % Lock Lock Lock Lock -7.3 -9.7 0.1 Lock Lock Lock
x Equity Multiplier (Assets/Equity) % Lock Lock Lock Lock 4.9 8.3 7.8 Lock Lock Lock
Return on Equity % Lock Lock Lock Lock -36.0 -80.6 0.4 Lock Lock Lock
x Earnings Retention (1-Payout) % Lock Lock Lock Lock 100.0 100.0 100.0 Lock Lock Lock
= Reinvestment Rate (%) % Lock Lock Lock Lock -36.0 -80.6 0.4 Lock Lock Lock
Operating Cycle
Days of Inventory on Hand Days Lock Lock Lock Lock N/A N/A 0.0 Lock Lock Lock
+ Days of Sales Outstanding Days Lock Lock Lock Lock 11.6 24.0 17.7 Lock Lock Lock
Operating Cycle Days Lock Lock Lock Lock 11.6 24.0 17.7 Lock Lock Lock
- Days of Payables Outstanding Days Lock Lock Lock Lock N/A N/A 0.0 Lock Lock Lock
Net Operating Cycle Days Lock Lock Lock Lock 11.6 24.0 17.7 Lock Lock Lock

Dividends

Key Stats

Ex Dividend Date (est.)

N/A

DIV Yield

.0%

Franking Level

N/A

DPSg

%

Quality Yield

Lock

Falling Divs over next 2

Lock

Values and Recommendations

Key Stats

Consensus Score

Lock

Recommendation

Lock

EPS 1 month Change

Lock

Quality Yield

Lock

Falling Divs over next 2

Lock

Halo Consensus Score

Lock Chart

PEG Ratio

Lock Chart

Consensus EPS Revisions

Lock Chart

Short selling

Key Stats

Percent of Issue

0.00%

Value ($M)

0

Prior Change

N/A

7 Day Change

N/A

1 Month Change

N/A

3 Month Change

N/A

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Frequently Asked Questions

The current share price of Pioneer Credit Ltd (PNC:ASX) is AU$0.46.
The 52-week high share price for Pioneer Credit Ltd (PNC:ASX) is AU$0.48.
The 52-week low share price for Pioneer Credit Ltd (PNC:ASX)? is AU$0.29.
The current TTM dividend payout for Pioneer Credit Ltd (PNC:ASX) is 0.00.
The last dividend payment of Pioneer Credit Ltd (PNC:ASX) is AU$0.04.
Pioneer Credit Ltd (PNC:ASX) has a franking level of 0.0%.
Pioneer Credit Ltd (PNC:ASX) is classified in the Other Finance.
The current P/E ratio for Pioneer Credit Ltd (PNC:ASX) is 40.00.