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Pioneer CreditASX:PNC +3.05%52 Debt-to-Equity is 4.34 as of Dec. 2025, which is 21% above its 10-year median of 3.58. 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 454 Credit Services companies, Pioneer Credit ranks worse than 82.82% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Pioneer Credit's Debt-to-Equity or its related term are showing as below:
ASX:PNC'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.83 Med: 3.58 Max: 7.87
Current: 4.34
During the past 12 years, the highest Debt-to-Equity Ratio of Pioneer Credit was 7.87. The lowest was 0.83. And the median was 3.58.
ASX:PNC's Debt-to-Equity is ranked worse than 82.82% of 454
companies
in the Credit Services industry
Industry Median: 1.21
vs ASX:PNC: 4.34
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Pioneer Credit Debt-to-Equity Related Terms
Pioneer Credit Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Pioneer Credit's Debt-to-Equity 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 Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Pioneer Credit's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Pioneer Credit's Debt-to-Equity 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 Debt-to-Equity of 4.34 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Pioneer Credit and its competitors. This is 21% above median its historical median of 3.58. Over the past decade, Pioneer Credit's Debt-to-Equity has ranged from 0.83 to 7.87. According to the industry distribution chart, Pioneer Credit ranks #376 out of 454 companies in the Credit Services industry, placing it in the top 82.8%.
Is Pioneer Credit's Debt-to-Equity too high?
Pioneer Credit's current Debt-to-Equity of 4.34 is 21% above median its 10-year median of 3.58. Over the past 10 years, this metric has ranged from a low of 0.83 to a high of 7.87. The Credit Services industry median Debt-to-Equity is 1.21. Pioneer Credit's value of 4.34 is 258.7% above this industry median. Based on the distribution chart, Pioneer Credit ranks #376 out of 454 companies in the Credit Services industry, which is in the bottom quartile 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 Debt-to-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Pioneer Credit ranks #376 out of 454 companies for Debt-to-Equity. This places Pioneer Credit in the lower half of its industry. The industry median Debt-to-Equity is 1.21. Pioneer Credit's value of 4.34 is 258.7% above this benchmark. Historically, Pioneer Credit's own Debt-to-Equity has ranged from 0.83 to 7.87 over the past decade. While the company's 10-year median is 3.58 vs. the industry median of 1.21, 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 Debt-to-Equity for a Credit Services company?
The median Debt-to-Equity among Credit Services companies is 1.21, based on 454 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pioneer Credit's current Debt-to-Equity of 4.34 is 258.7% 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Pioneer Credit and its competitors. For the Credit Services industry, the median Debt-to-Equity is 1.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pioneer Credit's current Debt-to-Equity is 4.34, which is 21% above median its own 10-year median of 3.58. 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 Debt-to-Equity is 4.34, which is 21% above median its 10-year median of 3.58 and 258.7% above the Credit Services industry median of 1.21. 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 Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Pioneer Credit (ASX:PNC), the current Debt-to-Equity is 4.34 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:
Debt-to-Equity: 4.34 (21% above median its 10-year median of 3.58)
GF Value™: A$0.55 vs. price of A$0.68 (22.7% above fair value)
Industry Position: 258.7% above the Credit Services median (#376 of 454)
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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