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Pioneer CreditASX:PNC +2.34%50 EV-to-EBITDA is 6.20 as of Aug. 06, 2026, which is 20% below its 10-year median of 7.71. 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 328 Credit Services companies, Pioneer Credit ranks better than 87.5% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, Pioneer Credit's enterprise value is A$293.96 Mil.
Pioneer Credit's EBITDA for the trailing twelve months (TTM) ended in Dec. 2025 was A$47.38 Mil. Therefore, Pioneer Credit's EV-to-EBITDA for today is 6.20.
The historical rank and industry rank for Pioneer Credit's EV-to-EBITDA or its related term are showing as below:
ASX:PNC'
s EV-to-EBITDA Range Over the Past 10 Years
Min: -168.03 Med: 7.71 Max: 28.36
Current: 6.2
During the past 12 years, the highest EV-to-EBITDA of Pioneer Credit was 28.36. The lowest was -168.03. And the median was 7.71.
ASX:PNC's EV-to-EBITDA is ranked better than 87.5% of 328
companies
in the Credit Services industry
Industry Median: 21.145
vs ASX:PNC: 6.20
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Pioneer Credit's PE Ratio (TTM) for today is calculated as:
Pioneer Credit's share price for today is A$0.655.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Pioneer Credit's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was A$0.088.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
The historical data trend for Pioneer Credit's EV-to-EBITDA 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-EBITDA, along with its competitors' market caps and EV-to-EBITDA 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-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Pioneer Credit's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Pioneer Credit's EV-to-EBITDA falls into.
Pioneer Credit's current Enterprise Value is A$293.96 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Pioneer Credit's EBITDA for the trailing twelve months (TTM) ended in Dec. 2025 was A$47.38 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-EBITDA of 6.20 as of Aug. 06, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Pioneer Credit. This is 20% below median its historical median of 7.71. According to the industry distribution chart, Pioneer Credit ranks #41 out of 328 companies in the Credit Services industry, placing it in the top 12.5%.
Is Pioneer Credit's EV-to-EBITDA too high?
Pioneer Credit's current EV-to-EBITDA of 6.20 is 20% below median its 10-year median of 7.71. The Credit Services industry median EV-to-EBITDA is 21.15. Pioneer Credit's value of 6.20 is 70.7% below this industry median. Based on the distribution chart, Pioneer Credit ranks #41 out of 328 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-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Pioneer Credit ranks #41 out of 328 companies for EV-to-EBITDA. This places Pioneer Credit in the top 13% of its industry — outperforming the majority of peers. The industry median EV-to-EBITDA is 21.15. Pioneer Credit's value of 6.20 is 70.7% below this benchmark. While the company's 10-year median is 7.71 vs. the industry median of 21.15, 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-EBITDA for a Credit Services company?
The median EV-to-EBITDA among Credit Services companies is 21.15, based on 328 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pioneer Credit's current EV-to-EBITDA of 6.20 is 70.7% 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-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Pioneer Credit. For the Credit Services industry, the median EV-to-EBITDA is 21.15 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pioneer Credit's current EV-to-EBITDA is 6.20, which is 20% below median its own 10-year median of 7.71. 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$0.66 — trading 21.3% above its estimated fair value. The current EV-to-EBITDA is 6.20, which is 20% below median its 10-year median of 7.71 and 70.7% below the Credit Services industry median of 21.15. 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-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For Pioneer Credit (ASX:PNC), the current EV-to-EBITDA is 6.20 as of Aug. 06, 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$0.66 is trading 21.3% 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-EBITDA: 6.20 (20% below median its 10-year median of 7.71)
GF Value™: A$0.54 vs. price of A$0.66 (21.3% above fair value)
Industry Position: 70.7% below the Credit Services median (#41 of 328)
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.
50GF Score
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