Pioneer CreditASX:PNC 53 EBITDA Margin % is -3,852.01% as of Dec. 2025. GuruFocus rates ASX:PNC with a GF Score™ of 53/100 and a GF Value™ of A$0.53 (Modestly Overvalued). The stock has 10 warning signs investors should review. Among 414 Credit Services companies, Pioneer Credit ranks better than 82.37% on this metric.
EBITDA Margin % is calculated as EBITDA divided by its Revenue. Pioneer Credit's EBITDA for the
six
months ended in Dec. 2025 was A$24.00 Mil. Pioneer Credit's Revenue for the
six
months ended in Dec. 2025 was A$-0.62 Mil. Therefore, Pioneer Credit's EBITDA margin for the quarter that ended in Dec. 2025 was -3,852.01%.
EBITDA Margin % is the ratio of EBITDA divided by net sales or Revenue. It is an performance metric measuring company's operating profitability. EBITDA Margin takes depreciation and amortization, interest expense and tax into account, which makes it easy to compare the relative profitability of companies of different sizes in the same industry.
Pioneer Credit EBITDA Margin % Related Terms
Pioneer Credit EBITDA Margin % Historical Data
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The historical data trend for Pioneer Credit's EBITDA Margin % 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 EBITDA Margin %, along with its competitors' market caps and EBITDA Margin % 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 EBITDA Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Pioneer Credit's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where Pioneer Credit's EBITDA Margin % 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 EBITDA Margin % of -3,852.01% as of Dec. 2025. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Pioneer Credit and its competitors. According to the industry distribution chart, Pioneer Credit ranks #73 out of 414 companies in the Credit Services industry, placing it in the top 17.6%.
Is Pioneer Credit's EBITDA Margin % too high?
Pioneer Credit's current EBITDA Margin % is -3,852.01%. Based on the distribution chart, Pioneer Credit ranks #73 out of 414 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 53/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pioneer Credit's EBITDA Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Pioneer Credit ranks #73 out of 414 companies for EBITDA Margin %. This places Pioneer Credit in the top 18% of its industry — outperforming the majority of peers. The industry median EBITDA Margin % is 20.91. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBITDA Margin % for a Credit Services company?
The median EBITDA Margin % among Credit Services companies is 20.91, based on 414 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA Margin % significantly above this median, while those in the bottom quartile fall well below. However, EBITDA Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBITDA Margin % mean?
A high EBITDA Margin % can signal that a stock is expensive relative to its fundamentals. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Pioneer Credit and its competitors. For the Credit Services industry, the median EBITDA Margin % is 20.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pioneer Credit's current EBITDA Margin % is -3,852.01%. 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$0.53, compared to a current price of A$0.69 — trading 29.2% above its estimated fair value. The current EBITDA Margin % is -3,852.01%. Pioneer Credit's overall GF Score™ is 53/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For Pioneer Credit (ASX:PNC), the current EBITDA Margin % is -3,852.01% 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$0.69 is trading 29.2% above its estimated GF Value™ of A$0.53.
GuruFocus considers Pioneer Credit to be Modestly Overvalued.
Key valuation signals for ASX:PNC:
EBITDA Margin %: -3,852.01%
GF Value™: A$0.53 vs. price of A$0.69 (29.2% above fair value)
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.
53GF Score
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