Pioneer Credit Limited (ASX:PNC)

Pioneer Credit Statistics

Total Valuation

Pioneer Credit has a market cap or net worth of AUD 113.30 million.

Market Cap	113.30M
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Tuesday, February 17, 2026.

Earnings Date	Feb 17, 2026
Ex-Dividend Date	n/a

Share Statistics

Pioneer Credit has 159.57 million shares outstanding. The number of shares has increased by 11.99% in one year.

Current Share Class	159.57M
Shares Outstanding	159.57M
Shares Change (YoY)	+11.99%
Shares Change (QoQ)	-0.88%
Owned by Insiders (%)	19.46%
Owned by Institutions (%)	27.46%
Float	114.13M

Valuation Ratios

The trailing PE ratio is 19.45 and the forward PE ratio is 6.34.

PE Ratio	19.45
Forward PE	6.34
PS Ratio	1.92
PB Ratio	1.87
P/TBV Ratio	1.90
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

The company has a current ratio of 0.47, with a Debt / Equity ratio of 5.03.

Current Ratio	0.47
Quick Ratio	0.36
Debt / Equity	5.03
Debt / EBITDA	n/a
Debt / FCF	-24.09
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 12.72% and return on invested capital (ROIC) is 1.83%.

Return on Equity (ROE)	12.72%
Return on Assets (ROA)	1.76%
Return on Invested Capital (ROIC)	1.83%
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	2.34%
Revenue Per Employee	163,944
Profits Per Employee	18,563
Employee Count	359
Asset Turnover	0.16
Inventory Turnover	n/a

Taxes

In the past 12 months, Pioneer Credit has paid 6,000 in taxes.

Income Tax	6,000
Effective Tax Rate	0.09%

Stock Price Statistics

The stock price has increased by +26.79% in the last 52 weeks. The beta is 0.79, so Pioneer Credit's price volatility has been lower than the market average.

Beta (5Y)	0.79
52-Week Price Change	+26.79%
50-Day Moving Average	0.69
200-Day Moving Average	0.58
Relative Strength Index (RSI)	56.70
Average Volume (20 Days)	73,217

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, Pioneer Credit had revenue of AUD 58.86 million and earned 6.66 million in profits. Earnings per share was 0.04.

Revenue	58.86M
Gross Profit	51.73M
Operating Income	6.67M
Pretax Income	6.67M
Net Income	6.66M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	0.04

Balance Sheet

The company has 3.56 million in cash and 304.56 million in debt, with a net cash position of -301.00 million or -1.89 per share.

Cash & Cash Equivalents	3.56M
Total Debt	304.56M
Net Cash	-301.00M
Net Cash Per Share	-1.89
Equity (Book Value)	60.58M
Book Value Per Share	0.38
Working Capital	-18.51M

Cash Flow

In the last 12 months, operating cash flow was -12.59 million and capital expenditures -52,000, giving a free cash flow of -12.64 million.

Operating Cash Flow	-12.59M
Capital Expenditures	-52,000
Free Cash Flow	-12.64M
FCF Per Share	-0.08

Margins

Gross margin is 87.90%, with operating and profit margins of 11.33% and 11.32%.

Gross Margin	87.90%
Operating Margin	11.33%
Pretax Margin	11.33%
Profit Margin	11.32%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

Pioneer Credit does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	-11.99%
Shareholder Yield	-11.99%
Earnings Yield	5.88%
FCF Yield	-11.16%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	4