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Pioneer CreditASX:PNC +3.23%50 EV-to-EBIT is 6.34 as of Aug. 05, 2026, which is 23% below its 10-year median of 8.20. GuruFocus rates ASX:PNC with a GF Score™ of 50/100 and a GF Value™ of A$0.54 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 313 Credit Services companies, Pioneer Credit ranks better than 87.86% on this metric.
This is a more accurate valuation of companies' operation because it considers the debt and cash on its balance sheet, and non-operating items such as interest payment, tax, and one-time items are not included in the Operating Income.
Pioneer Credit's Enterprise Value for the quarter that ended in Dec. 2025 was A$275.69 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Pioneer Credit's EBIT for the trailing twelve months (TTM) ended in Dec. 2025 was A$45.90 Mil.
* 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 EV-to-EBIT Related Terms
Pioneer Credit EV-to-EBIT Historical Data
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The historical data trend for Pioneer Credit's EV-to-EBIT 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 EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Pioneer Credit's EV-to-EBIT distribution charts can be found below:
* The bar in red indicates where Pioneer Credit's EV-to-EBIT falls into.
Pioneer Credit's current Enterprise Value is A$291.12 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Pioneer Credit's EBIT for the trailing twelve months (TTM) ended in Dec. 2025 was A$45.90 Mil.
* 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 EV-to-EBIT of 6.34 as of Aug. 05, 2026. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Pioneer Credit and its competitors. This is 23% below median its historical median of 8.20. According to the industry distribution chart, Pioneer Credit ranks #38 out of 313 companies in the Credit Services industry, placing it in the top 12.1%.
Is Pioneer Credit's EV-to-EBIT too high?
Pioneer Credit's current EV-to-EBIT of 6.34 is 23% below median its 10-year median of 8.20. The Credit Services industry median EV-to-EBIT is 22.55. Pioneer Credit's value of 6.34 is 71.9% below this industry median. Based on the distribution chart, Pioneer Credit ranks #38 out of 313 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 50/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pioneer Credit's EV-to-EBIT compare to V and MA?
According to the Credit Services industry distribution chart, Pioneer Credit ranks #38 out of 313 companies for EV-to-EBIT. This places Pioneer Credit in the top 12% of its industry — outperforming the majority of peers. The industry median EV-to-EBIT is 22.55. Pioneer Credit's value of 6.34 is 71.9% below this benchmark. While the company's 10-year median is 8.20 vs. the industry median of 22.55, Pioneer Credit has consistently been below 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 EV-to-EBIT for a Credit Services company?
The median EV-to-EBIT among Credit Services companies is 22.55, based on 313 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBIT significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pioneer Credit's current EV-to-EBIT of 6.34 is 71.9% below 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 EV-to-EBIT mean?
A high EV-to-EBIT can signal that a stock is expensive relative to its fundamentals. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Pioneer Credit and its competitors. For the Credit Services industry, the median EV-to-EBIT is 22.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pioneer Credit's current EV-to-EBIT is 6.34, which is 23% below median its own 10-year median of 8.20. 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$0.54, compared to a current price of A$0.64 — trading 18.5% above its estimated fair value. The current EV-to-EBIT is 6.34, which is 23% below median its 10-year median of 8.20 and 71.9% below the Credit Services industry median of 22.55. Pioneer Credit's overall GF Score™ is 50/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBIT calculated?
EV-to-EBIT is calculated from a company's financial statements. For Pioneer Credit (ASX:PNC), the current EV-to-EBIT is 6.34 as of Aug. 05, 2026. 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$0.64 is trading 18.5% above its estimated GF Value™ of A$0.54.
GuruFocus considers Pioneer Credit to be Modestly Overvalued.
Key valuation signals for ASX:PNC:
EV-to-EBIT: 6.34 (23% below median its 10-year median of 8.20)
GF Value™: A$0.54 vs. price of A$0.64 (18.5% above fair value)
Industry Position: 71.9% below the Credit Services median (#38 of 313)
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.
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