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Pioneer CreditASX:PNC +3.05%52 Cash Ratio is 4.80 as of Dec. 2025, which is 9% above its 10-year median of 4.39. GuruFocus rates ASX:PNC with a GF Score™ of 52/100 and a GF Value™ of A$0.55 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 389 Credit Services companies, Pioneer Credit ranks better than 77.12% on this metric.
The cash ratio is more conservative than other liquidity ratios, such as Quick Ratio and Current Ratio, because it only considers a company's most liquid resources. The numerator of cash ratio only considers Cash, Cash Equivalents and marketable securities. Other current assets, such as accounts receivable and inventories, are not included. The rationale is that these assets may require time to be transformed into cash, and the amount of money received is also uncertain.
The cash ratio shows a company’s ability to pay all current liabilities immediately without selling or liquidating other assets. Generally speaking, a higher cash ratio suggests the company has a stronger ability to cover its short-term debt. However, a high cash ratio could also indicate inefficient management: the company is inefficient in making full utilization of cash to invest protential profitable project. It may also suggest that the company is not confident about future profitability.
In general, the higher the cash ratio, the better the company's liquidity position.
Pioneer Credit Cash Ratio Related Terms
Pioneer Credit Cash Ratio Historical Data
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The historical data trend for Pioneer Credit's Cash Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, Pioneer Credit's Cash Ratio, along with its competitors' market caps and Cash Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Pioneer Credit Cash Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Pioneer Credit's Cash Ratio distribution charts can be found below:
* The bar in red indicates where Pioneer Credit's Cash Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Pioneer Credit (ASX:PNC) has a Cash Ratio of 4.80 as of Dec. 2025. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on Pioneer Credit and its competitors. This is near median its historical median of 4.39. Over the past decade, Pioneer Credit's Cash Ratio has ranged from 0.39 to 8.70. According to the industry distribution chart, Pioneer Credit ranks #89 out of 389 companies in the Credit Services industry, placing it in the top 22.9%.
Is Pioneer Credit's Cash Ratio too high?
Pioneer Credit's current Cash Ratio of 4.80 is near median its 10-year median of 4.39. Over the past 10 years, this metric has ranged from a low of 0.39 to a high of 8.70. The Credit Services industry median Cash Ratio is 0.56. Pioneer Credit's value of 4.80 is 757.1% above this industry median. Based on the distribution chart, Pioneer Credit ranks #89 out of 389 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Pioneer Credit has a GF Score™ of 52/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pioneer Credit's Cash Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Pioneer Credit ranks #89 out of 389 companies for Cash Ratio. This places Pioneer Credit in the top 23% of its industry — outperforming the majority of peers. The industry median Cash Ratio is 0.56. Pioneer Credit's value of 4.80 is 757.1% above this benchmark. Historically, Pioneer Credit's own Cash Ratio has ranged from 0.39 to 8.70 over the past decade. While the company's 10-year median is 4.39 vs. the industry median of 0.56, Pioneer Credit has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash Ratio for a Credit Services company?
The median Cash Ratio among Credit Services companies is 0.56, based on 389 companies in the industry. Companies in the top quartile (top 25%) have a Cash Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cash Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pioneer Credit's current Cash Ratio of 4.80 is 757.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash Ratio mean?
A high Cash Ratio can signal that a stock is expensive relative to its fundamentals. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on Pioneer Credit and its competitors. For the Credit Services industry, the median Cash Ratio is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pioneer Credit's current Cash Ratio is 4.80, which is near median its own 10-year median of 4.39. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pioneer Credit stock overvalued right now?
Based on GuruFocus' analysis, Pioneer Credit (ASX:PNC) is currently considered Modestly Overvalued. The stock's GF Value™ is A$0.55, compared to a current price of A$0.68 — trading 22.7% above its estimated fair value. The current Cash Ratio is 4.80, which is near median its 10-year median of 4.39 and 757.1% above the Credit Services industry median of 0.56. Pioneer Credit's overall GF Score™ is 52/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Ratio calculated?
Cash Ratio is calculated from a company's financial statements. For Pioneer Credit (ASX:PNC), the current Cash Ratio is 4.80 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Pioneer Credit (ASX:PNC) Overvalued in 2026?
Based on GuruFocus' analysis, Pioneer Credit stock appears to be overvalued.
The current stock price of A$0.68 is trading 22.7% above its estimated GF Value™ of A$0.55.
GuruFocus considers Pioneer Credit to be Modestly Overvalued.
Key valuation signals for ASX:PNC:
Cash Ratio: 4.80 (near median its 10-year median of 4.39)
GF Value™: A$0.55 vs. price of A$0.68 (22.7% above fair value)
Industry Position: 757.1% above the Credit Services median (#89 of 389)
No single metric tells the full story. See the ASX:PNC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
52GF Score
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