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EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Pioneer Credit's Enterprise Value is €181.86 Mil.
Pioneer Credit's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was €-1.18 Mil. Therefore, Pioneer Credit's EV-to-OCF for today is -154.51.
The historical rank and industry rank for Pioneer Credit's EV-to-OCF or its related term are showing as below:
FRA:0PI'
s EV-to-OCF Range Over the Past 10 Years
Min: -142.6 Med: 2.58 Max: 12.87
Current: -142.6
During the past 12 years, the highest EV-to-OCF of Pioneer Credit was 12.87. The lowest was -142.60. And the median was 2.58.
FRA:0PI's EV-to-OCF is ranked better than 94.12% of 544
companies
in the Credit Services industry
Industry Median: -0.56
vs FRA:0PI: -142.60
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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 €0.3868.
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 €0.050.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Pioneer Credit EV-to-OCF Related Terms
Pioneer Credit EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Pioneer Credit's EV-to-OCF 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-OCF, along with its competitors' market caps and EV-to-OCF 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-OCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Pioneer Credit's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Pioneer Credit's EV-to-OCF falls into.
Pioneer Credit's current Enterprise Value is €181.86 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Pioneer Credit's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was €-1.18 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 (FRA:0PI) has a EV-to-OCF of -154.51 as of Aug. 14, 2026. According to the industry distribution chart, Pioneer Credit ranks #32 out of 544 companies in the Credit Services industry, placing it in the top 5.9%.
Is Pioneer Credit's EV-to-OCF too high?
Pioneer Credit's current EV-to-OCF is -154.51. Based on the distribution chart, Pioneer Credit ranks #32 out of 544 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, reflecting its overall financial health beyond just this single metric.
How does Pioneer Credit's EV-to-OCF compare to V and MA?
According to the Credit Services industry distribution chart, Pioneer Credit ranks #32 out of 544 companies for EV-to-OCF. This places Pioneer Credit in the top 6% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Credit Services company?
A good EV-to-OCF depends on the Credit Services industry context. However, EV-to-OCF 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. Pioneer Credit's current EV-to-OCF is -154.51. 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?
Pioneer Credit (FRA:0PI) has a current EV-to-OCF of -154.51. The stock's GF Value™ is €0.32, compared to a current price of €0.39 — trading 20.9% above its estimated fair value. The current EV-to-OCF is -154.51. Pioneer Credit's overall GF Score™ is 53/100 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-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Pioneer Credit (FRA:0PI), the current EV-to-OCF is -154.51 as of Aug. 14, 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 (FRA:0PI) Overvalued in 2026?
Based on GuruFocus' analysis, Pioneer Credit stock appears to be overvalued.
The current stock price of €0.39 is trading 20.9% above its estimated GF Value™ of €0.32.
Key valuation signals for FRA:0PI:
EV-to-OCF: -154.51
GF Value™: €0.32 vs. price of €0.39 (20.9% above fair value)
No single metric tells the full story. See the FRA:0PI 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
Get the complete analysis for FRA:0PI
EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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