Business Description
Pioneer Credit Ltd
ISIN : AU000000PNC0
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PNC.Australia0PI.Germany IPO Date
2026-01-22Description
Pioneer Credit Ltd provides financial services in Australia. Its primary business involves the acquisition and servicing of Purchased Debt Portfolios (PDPs). The company has launched its app, called Pioneer Path, which is a personal finance and budget management app that helps customers spend less, save more, and reduce debt.
Financial Strength
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Cash-To-Debt | 0.45 | |||||
Equity-to-Asset | 0.18 | |||||
Debt-to-Equity | 4.34 | |||||
Debt-to-EBITDA | 6.47 | |||||
Interest Coverage | 1.34 | |||||
Piotroski F-Score | 4/9 | |||||
Altman Z-Score | 0.86 | |||||
Beneish M-Score | -1.35 | |||||
WACC vs ROIC | ||||||
Growth Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Revenue Growth Rate | -7.9 | |||||
3-Year EBITDA Growth Rate | 35.2 | |||||
3-Year FCF Growth Rate | 50.6 | |||||
3-Year Book Growth Rate | -0.7 | |||||
Future 3-5Y EPS without NRI Growth Rate Estimate Industry Rank | 68.4 | |||||
Future 3-5Y Total Revenue Growth Rate Estimate | 9.17 |
Momentum Rank
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
5-Day RSI | 47.64 | |||||
9-Day RSI | 53.1 | |||||
14-Day RSI | 55.12 | |||||
3-1 Month Momentum % | -1.97 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Current Ratio | 5 | |||||
Quick Ratio | 5 | |||||
Cash Ratio | 4.8 | |||||
Days Sales Outstanding | 23.18 |
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Average Share Buyback Ratio | -14.7 | |||||
Shareholder Yield % | 9.4 |
Profitability Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Operating Margin % | 46.9 | |||||
Net Margin % | 17.09 | |||||
EBITDA Margin % | 53.41 | |||||
FCF Margin % | -2.56 | |||||
OCF Margin % | -2.35 | |||||
ROE % | 24.32 | |||||
ROA % | 3.93 | |||||
ROIC % | 15.4 | |||||
3-Year ROIIC % | 109.84 | |||||
ROC (Joel Greenblatt) % | 823.39 | |||||
ROCE % | 13 | |||||
Years of Profitability over Past 10-Year | 6 |
GF Value Rank
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
PE Ratio | 7.78 | |||||
Forward PE Ratio | 3.65 | |||||
PE Ratio without NRI | 7.78 | |||||
Price-to-Owner-Earnings | 16.71 | |||||
PS Ratio | 1.41 | |||||
PB Ratio | 1.54 | |||||
Price-to-Tangible-Book | 1.58 | |||||
EV-to-EBIT | 6.1 | |||||
EV-to-Forward-EBIT | 4.64 | |||||
EV-to-EBITDA | 5.91 | |||||
EV-to-Forward-EBITDA | 4.51 | |||||
EV-to-Revenue | 3.16 | |||||
EV-to-Forward-Revenue | 2.52 | |||||
EV-to-FCF | -123.07 | |||||
Price-to-GF-Value | 1.27 | |||||
Price-to-Projected-FCF | 2.32 | |||||
Price-to-Median-PS-Value | 1.41 | |||||
Price-to-Graham-Number | 0.73 | |||||
Earnings Yield (Greenblatt) % | 16.39 | |||||
FCF Yield % | -2.07 | |||||
Forward Rate of Return (Yacktman) % | 113.61 |
Pioneer Credit Ltd Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
Pioneer Credit Ltd Stock Events
| Event | Date | Price (€) | ||
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| No Event Data | ||||
Press Release
| Subject | Date | |||
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