PNC · ASX

Pioneer Credit Ltd (ASX:PNC)

AU$0.59

 0.0 (0.0%)
ASX:Live
29/08/2025 09:59:13 AM
Volume Spike Recent Price upgrade Recent Earnings downgrade HALO Ords HALO Capital Efficiency +5
Consensus Score
/10
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PNC Overview

PNC Health Scores

Short Term

Mean Reversion

Neutral

Trend

Neutral

Event

Neutral

Halo Model

MQV

Very Strong

GARP

Very Strong

MQV Small

Neutral

Valuation

Value

Consensus

Momentum

Price

Weak

Earnings

Strong

Growth

Earnings

Weak

Dividends

Very Strong

Quality

Capital Efficiency

Very Weak

Balance Sheet

Very Strong

About PNC

Website

Pioneer Credit Ltd

Telephone

61.8.9323.5000

Address

Level 6 108 Street Georges Terrace Perth, Western Australia (WA) 6000

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$94.83M

PE

9.30

EV/EBITDA

5.4

Dividends Overview

DIV Yield

.0%

Franking

N/A

Ex Dividend Date (est.)

N/A

Market Data

52 weeks range

Low 0.37 - 0.68

Trade Value (12mth)

AU$18,590.00

1 week

2.61%

1 month

18%

YTD

6.31%

1 year

9.26%

All time high

3.78

Key Fundamentals

EPS 3 yr Growth

-110.90%

EBITDA Margin

47.00%

Operating Cashflow

-$20m

Free Cash Flow Return

-9.00%

ROIC

3.10%

Interest Coverage

1.10

Quick Ratio

3.80

Other Data

Shares on Issue (Fully Dilluted)

182m

HALO Sector

Other Finance

Next Company Report Date

01-Sep-26

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

27 August 25

FY25 Appendix 4E and Annual Report

×

FY25 Appendix 4E and Annual Report

27 August 25

Growing Profitability and Market Share

×

Growing Profitability and Market Share

27 August 25

FY25 Results Presentation

×

FY25 Results Presentation

27 August 25

Appendix 4G

×

Appendix 4G

27 August 25

Corporate Governance Statement

×

Corporate Governance Statement

18 August 25

FY25 Results Release Date, Investor Briefing and AGM

×

FY25 Results Release Date, Investor Briefing and AGM

25 July 25

Notification regarding unquoted securities - PNC

×

Notification regarding unquoted securities - PNC

25 July 25

Notification of cessation of securities - PNC

×

Notification of cessation of securities - PNC

25 July 25

Performance Rights

×

Performance Rights

14 April 25

Response to ASX Director's Interest Notice Query

×

Response to ASX Director's Interest Notice Query

10 April 25

Change of Director's Interest Notice - KR John

×

Change of Director's Interest Notice - KR John

10 April 25

Change of Director's Interest Notice - S Targett

×

Change of Director's Interest Notice - S Targett

28 March 25

Progression of litigation against PricewaterhouseCoopers

×

Progression of litigation against PricewaterhouseCoopers

21 March 25

Change in substantial holding

×

Change in substantial holding

20 March 25

Response to False Market

×

Response to False Market

13 March 25

Notification of cessation of securities - PNC

×

Notification of cessation of securities - PNC

27 February 25

Appendix 4D and Half Year Report - 1HY25

×

Appendix 4D and Half Year Report - 1HY25

27 February 25

Positioned for Sustained Profitability and Earnings Growth

×

Positioned for Sustained Profitability and Earnings Growth

27 February 25

1HY25 Results Presentation

×

1HY25 Results Presentation

21 February 25

1HY25 Results Release Date and Investor Briefing Webinar

×

1HY25 Results Release Date and Investor Briefing Webinar

17 December 24

Notification of cessation of securities - PNC

×

Notification of cessation of securities - PNC

17 December 24

Change in substantial holding

×

Change in substantial holding

17 December 24

Lapse of Performance Rights

×

Lapse of Performance Rights

16 December 24

Change in substantial holding - James Simpson

×

Change in substantial holding - James Simpson

13 December 24

Change in substantial holding - KR John

×

Change in substantial holding - KR John

PNC Fundamentals

Per Share Records

Historical data

Forecast data

AUD 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
Per Share, Growth & Valuations
EPS (Basic) $ Lock Lock Lock Lock 0.00 -0.09 0.04 Lock Lock Lock
EPS (Fully Diluted) $ Lock Lock Lock Lock 0.00 -0.09 0.04 Lock Lock Lock
     Growth % Lock Lock Lock Lock 100.4 -5,512.5 150.9 Lock Lock Lock
     PE X Lock Lock Lock Lock 40.0 69.4 9.3 Lock Lock Lock
     EV/EBITDA X Lock Lock Lock Lock 3.6 5.5 5.4 Lock Lock Lock
CFPS $ Lock Lock Lock Lock 0.06 -0.16 0.03 Lock Lock Lock
FCFPS $ Lock Lock Lock Lock -0.16 -0.25 -0.11 Lock Lock Lock
     Growth % Lock Lock Lock Lock 123.7 -362.5 119.7 Lock Lock Lock
     Yield % Lock Lock Lock Lock -51.9 -49.9 -21.9 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 0.0 0.0 0.0 Lock Lock Lock
     Payout Ratio % Lock Lock Lock Lock 0 0 0 Lock Lock Lock
BPS $ Lock Lock Lock Lock 0.41 0.33 0.38 Lock Lock Lock
BPS (Tangible) $ Lock Lock Lock Lock 0.41 0.32 0.37 Lock Lock Lock
     Growth % Lock Lock Lock Lock 2.8 -20.5 15.3 Lock Lock Lock
Shares Outstanding
Diluted m Lock Lock Lock Lock 124 116 183 Lock Lock Lock
Basic m Lock Lock Lock Lock 106 116 151 Lock Lock Lock

Financial Records

Historical data

Forecast data

AUD 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
Income Statement
Sales $m Lock Lock Lock Lock 79 89 89 Lock Lock Lock
     Growth % Lock Lock Lock Lock 46.6 12.6 -0.2 Lock Lock Lock
Selling & General Expenses $m Lock Lock Lock Lock 7 15 10 Lock Lock Lock
Gross Income $m Lock Lock Lock Lock 73 83 84 Lock Lock Lock
     Growth % Lock Lock Lock Lock 51.3 13.3 1.5 Lock Lock Lock
     Margin % Lock Lock Lock Lock 92.7 93.2 94.9 Lock Lock Lock
Cost of Goods Sold to Sales % Lock Lock Lock Lock 7 7 5 Lock Lock Lock
EBITDA $m Lock Lock Lock Lock 32 32 42 Lock Lock Lock
     Growth % Lock Lock Lock Lock 262.7 -1.3 30.3 Lock Lock Lock
     Margin % Lock Lock Lock Lock 41.0 36.0 47.0 Lock Lock Lock
Depreciation & Amortisation $m Lock Lock Lock Lock 2 2 1 Lock Lock Lock
EBIT $m Lock Lock Lock Lock 30 30 40 Lock Lock Lock
     Growth % Lock Lock Lock Lock 393.7 -0.1 33.2 Lock Lock Lock
     Margin % Lock Lock Lock Lock 38.2 33.9 45.3 Lock Lock Lock
Pretax Income $m Lock Lock Lock Lock 0 -31 7 Lock Lock Lock
Income Taxes $m Lock Lock Lock Lock 0 -21 0 Lock Lock Lock
Net Income $m Lock Lock Lock Lock 0 -10 7 Lock Lock Lock
     Growth % Lock Lock Lock Lock 100.5 -6,147.6 166.4 Lock Lock Lock
     Margin % Lock Lock Lock Lock 0.2 -11.3 7.5 Lock Lock Lock
Cash Flow Statement
Net Operating Cash Flow $m Lock Lock Lock Lock -20 -29 -20 Lock Lock Lock
Capital Expenditures $m Lock Lock Lock Lock 0 1 0 Lock Lock Lock
Net Investing Cash Flow $m Lock Lock Lock Lock 0 -1 0 Lock Lock Lock
Net Financing Cash Flow $m Lock Lock Lock Lock 6 25 19 Lock Lock Lock
Free Cash Flow $m Lock Lock Lock Lock -20 -29 -20 Lock Lock Lock
     Growth % Lock Lock Lock Lock 57.4 -43.0 31.7 Lock Lock Lock
     Margin % Lock Lock Lock Lock -0.3 -0.3 -0.2 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 115 118 120 Lock Lock Lock
Total Assets $m Lock Lock Lock Lock 327 368 389 Lock Lock Lock
Long Term Debt $m Lock Lock Lock Lock 263 39 292 Lock Lock Lock
Net Debt $m Lock Lock Lock Lock 159 175 180 Lock Lock Lock
Total Liabilities $m Lock Lock Lock Lock 285 324 328 Lock Lock Lock
Equity $m Lock Lock Lock Lock 42 44 61 Lock Lock Lock
Invested Capital Lock Lock Lock Lock 305 83 353 Lock Lock Lock
     Growth % Lock Lock Lock Lock 6.5 -72.7 322.8 Lock Lock Lock
Return Ratios
Return on Assets % Lock Lock Lock Lock 0.1 -2.7 1.7 Lock Lock Lock
Return on Equity % Lock Lock Lock Lock 0.4 -22.7 11.0 Lock Lock Lock
Return on Total Capital % Lock Lock Lock Lock 9.7 9.2 11.5 Lock Lock Lock
Return on Invested Capital % Lock Lock Lock Lock 0.1 -5.2 3.1 Lock Lock Lock
Cash Flow Return on Invested Capital % Lock Lock Lock Lock -6.7 -14.8 -9.0 Lock Lock Lock

Ratios Records

Historical data

Forecast data

AUD 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
Leverage
Interest Cover X Lock Lock Lock Lock 1.0 0.8 1.1 Lock Lock Lock
Debt to EBITDA X Lock Lock Lock Lock 4.9 5.5 4.3 Lock Lock Lock
Net Debt to Equity % Lock Lock Lock Lock 379.9 396.3 296.9 Lock Lock Lock
Liquidity
Current Ratio X Lock Lock Lock Lock 5.6 0.4 3.8 Lock Lock Lock
Quick Ratio X Lock Lock Lock Lock 5.6 0.4 3.8 Lock Lock Lock
Cash & ST Inv/Current Assets % Lock Lock Lock Lock 98.1 95.3 91.7 Lock Lock Lock
CFO/Current Liabilities % Lock Lock Lock Lock -96.5 -10.2 -56.7 Lock Lock Lock
Balance Sheet Efficiency
Receivables Turnover X Lock Lock Lock Lock 20.6 30.5 15.4 Lock Lock Lock
Inventory Turnover X Lock Lock Lock Lock 0.0 0.0 0.0 Lock Lock Lock
Working Capital Turnover X Lock Lock Lock Lock 0.8 0.0 0.9 Lock Lock Lock
Payables Turnover X Lock Lock Lock Lock 0.0 0.0 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 0.2 -35.3 7.5 Lock Lock Lock
= Pretax Return on Assets % Lock Lock Lock Lock 0.1 -8.5 1.7 Lock Lock Lock
x Tax Rate Complement (1-Tax Rate) % Lock Lock Lock Lock 2.4 0.0 0.1 Lock Lock Lock
Return on Assets % Lock Lock Lock Lock 0.1 -2.7 1.7 Lock Lock Lock
x Equity Multiplier (Assets/Equity) % Lock Lock Lock Lock 7.8 8.3 6.4 Lock Lock Lock
Return on Equity % Lock Lock Lock Lock 0.4 -22.7 11.0 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 0.4 -22.7 11.0 Lock Lock Lock
Operating Cycle
Days of Inventory on Hand Days Lock Lock Lock Lock 0.0 0.0 0.0 Lock Lock Lock
+ Days of Sales Outstanding Days Lock Lock Lock Lock 17.7 12.0 23.7 Lock Lock Lock
Operating Cycle Days Lock Lock Lock Lock 17.7 12.0 23.7 Lock Lock Lock
- Days of Payables Outstanding Days Lock Lock Lock Lock 0.0 0.0 0.0 Lock Lock Lock
Net Operating Cycle Days Lock Lock Lock Lock 17.7 12.0 23.7 Lock Lock Lock

Dividends

Key Stats

Ex Dividend Date (est.)

N/A

DIV Yield

.0%

Franking Level

N/A

DPSg

N/A

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$0.59.
The 52-week high share price for Pioneer Credit Ltd (PNC:ASX) is AU$0.68.
The 52-week low share price for Pioneer Credit Ltd (PNC:ASX)? is AU$0.37.
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 9.30.
The current share price of Pioneer Credit Ltd (PNC:ASX) is AU$0.59.
The 52-week high share price for Pioneer Credit Ltd (PNC:ASX) is AU$0.68.
The 52-week low share price for Pioneer Credit Ltd (PNC:ASX)? is AU$0.37.
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 9.30.
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HALO Technologies Pty Ltd ABN 54 623 830 866 is a Corporate Authorised Representative No 1261916 of Macrovue Pty Ltd ABN 98 600 022 679 AFSL 484264. Macrovue Pty Ltd is a wholly owned subsidiary of HALO Technologies Pty Ltd.