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PNC · ASX

Pioneer Credit Ltd (ASX:PNC)

AU$0.36

 0.0 (0.0%)
ASX:Live
01/12/2023 02:16:02 PM
HALO Ords HALO Growth GROWTH AUS All-Consensus All-Companies
Consensus Score
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PNC Overview

PNC Health Scores

Short Term

Mean Revision

Trend

Event

Halo Model

MQV

GARP

MQV Small

Valuation

Value

Consensus

Momentum

Price

Earnings

Growth

Earnings

Dividends

Quality

Capital Efficiency

Balance Sheet

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$40.48M

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 0.25 - 0.41

Trade Value (12mth)

AU$6,754.00

1 week

0%

1 month

7.35%

YTD

40.38%

1 year

19.67%

All time high

3.78

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)

108m

HALO Sector

Other Finance

Next Company Report Date

27-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

31 October 23

Commencement of proceedings against PwC

×

Commencement of proceedings against PwC

31 October 23

AGM - Chairman's Address

×

AGM - Chairman's Address

31 October 23

Managing Director's Market Update

×

Managing Director's Market Update

31 October 23

Results of Annual General Meeting

×

Results of Annual General Meeting

31 May 22

Completion of acquisition of shares by EIP Trust

×

Completion of acquisition of shares by EIP Trust

31 August 22

Appendix 4E and Annual Report FYE 30 June 2022

×

Appendix 4E and Annual Report FYE 30 June 2022

31 August 22

One-off costs now behind a resurgent Pioneer

×

One-off costs now behind a resurgent Pioneer

31 August 22

FY22 Financial Results Investor Presentation

×

FY22 Financial Results Investor Presentation

31 August 22

Appendix 4G and Corporate Governance Statement

×

Appendix 4G and Corporate Governance Statement

31 August 21

Appendix 4E and Annual Report FYE 30 June 2021

×

Appendix 4E and Annual Report FYE 30 June 2021

31 August 21

FY21 Results Presentation

×

FY21 Results Presentation

30 March 23

Change of Director's Interest Notice - KR John

×

Change of Director's Interest Notice - KR John

30 March 22

Cleansing Prospectus

×

Cleansing Prospectus

30 March 22

Proposed issue of securities - PNC

×

Proposed issue of securities - PNC

30 August 23

FY23 Results - Investor Briefing Webinar

×

FY23 Results - Investor Briefing Webinar

29 October 14

Managing Director's Address at Annual General Meeting

×

Managing Director's Address at Annual General Meeting

29 November 18

AGM Chairman's Address and Chairman and MD Presentations

×

AGM Chairman's Address and Chairman and MD Presentations

29 August 23

Final Director's Interest Notice - M d'Almeida

×

Final Director's Interest Notice - M d'Almeida

29 August 23

Initial Director's Interest Notice - P Gately

×

Initial Director's Interest Notice - P Gately

29 August 23

Initial Director's Interest Notice - S Pervan

×

Initial Director's Interest Notice - S Pervan

29 August 14

Correction to FY14 Results Media Release and Presentation

×

Correction to FY14 Results Media Release and Presentation

28 March 23

Change of Director's Interest Notice - KR John

×

Change of Director's Interest Notice - KR John

28 March 22

Application for quotation of securities - PNC

×

Application for quotation of securities - PNC

28 March 22

Change of Director's Interest Notice - KR John

×

Change of Director's Interest Notice - KR John

28 February 22

Appendix 4D and Half-year Report

×

Appendix 4D and Half-year Report

28 February 22

Turnaround half positions Pioneer as 'Primed for Growth'

×

Turnaround half positions Pioneer as 'Primed for Growth'

28 February 22

1H22 Results Presentation - 'Primed for Growth'

×

1H22 Results Presentation - 'Primed for Growth'

28 February 20

1H20 Results Presentation

×

1H20 Results Presentation

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

0.00%

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$0.36.
The 52-week high share price for Pioneer Credit Ltd (PNC:ASX) is AU$0.41.
The 52-week low share price for Pioneer Credit Ltd (PNC:ASX)? is AU$0.25.
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%.
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.
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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.