Pioneer Credit Income Statement

Financials in millions AUD. Fiscal year is July - June.

Millions AUD. Fiscal year is Jul - Jun.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022	Jun '21 Jun 30, 2021
Interest and Dividend Income	92.74	88.33	83.58	73.71	62.57	57.02
Total Interest Expense	31.83	34.66	38.1	33.26	28.62	24.46
Net Interest Income	60.91	53.66	45.47	40.45	33.96	32.56
Gain (Loss) on Sale of Investments	0.37	4.82	-17.84	3.77	-8.91	-4.29
Other Revenue	0.38	0.38	5.34	5.26	0.65	0.66
Revenue Before Loan Losses	61.66	58.86	32.98	49.48	25.7	28.94
Revenue	61.66	58.86	32.98	49.48	25.7	28.94
Revenue Growth (YoY)	75.97%	78.48%	-33.35%	92.54%	-11.20%	-3.97%
Salaries & Employee Benefits	31.67	33.06	36.18	34.37	33.18	30.63
Cost of Services Provided	11.55	11.59	18.29	9.74	9.74	9.37
Other Operating Expenses	5.78	6.04	5.83	2.97	11.77	3.27
Total Operating Expenses	50.47	52.19	62.14	49.31	57.51	47.05
Operating Income	11.19	6.67	-29.16	0.17	-31.81	-18.12
EBT Excluding Unusual Items	11.19	6.67	-29.16	0.17	-31.81	-18.12
Gain (Loss) on Sale of Investments	-	-	-	-	-	2.29
Other Unusual Items	3.78	-	-2.24	-	-1.2	-0.92
Pretax Income	14.96	6.67	-31.4	0.17	-33.04	-16.89
Income Tax Expense	-0.19	0.01	-21.36	0	0.05	2.76
Net Income	15.16	6.66	-10.04	0.17	-33.09	-19.66
Net Income to Common	15.16	6.66	-10.04	0.17	-33.09	-19.66
Shares Outstanding (Basic)	160	151	116	106	82	65
Shares Outstanding (Diluted)	174	183	163	124	82	65
Shares Change (YoY)	30.75%	11.98%	31.73%	50.66%	27.16%	2.10%
EPS (Basic)	0.09	0.04	-0.09	0.00	-0.40	-0.30
EPS (Diluted)	0.09	0.04	-0.09	0.00	-0.40	-0.30
Free Cash Flow	-2.13	-12.64	-28.91	-20.22	-47.45	-17.12
Free Cash Flow Per Share	-0.01	-0.07	-0.18	-0.16	-0.58	-0.27
Operating Margin	18.14%	11.33%	-88.42%	0.34%	-123.79%	-62.61%
Profit Margin	24.58%	11.32%	-30.44%	0.34%	-128.79%	-67.93%
Free Cash Flow Margin	-3.46%	-21.48%	-87.66%	-40.87%	-184.67%	-59.17%
Effective Tax Rate	-	0.09%	-	2.35%	-	-
Revenue as Reported	93.49	93.52	71.08	82.74	54.31	53.4

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.