Pioneer Credit Limited (ASX:PNC)

Pioneer Credit Income Statement

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

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

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