EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Pioneer Credit's Enterprise Value is €170.18 Mil.
Pioneer Credit's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was €-1.28 Mil. Therefore, Pioneer Credit's EV-to-FCF for today is -132.64.
The historical rank and industry rank for Pioneer Credit's EV-to-FCF or its related term are showing as below:
FRA:0PI'
s EV-to-FCF Range Over the Past 10 Years
Min: -123.07 Med: 2.65 Max: 14.49
Current: -123.07
During the past 12 years, the highest EV-to-FCF of Pioneer Credit was 14.49. The lowest was -123.07. And the median was 2.65.
FRA:0PI's EV-to-FCF is ranked worse than 100% of 265
companies
in the Credit Services industry
Industry Median: 13.02
vs FRA:0PI: -123.07
EV-to-FCF 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-FCF 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 €0.395.
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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Pioneer Credit EV-to-FCF Related Terms
Pioneer Credit EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Pioneer Credit's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Pioneer Credit's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Pioneer Credit's EV-to-FCF falls into.
Pioneer Credit's current Enterprise Value is €170.18 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Pioneer Credit's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was €-1.28 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-FCF of -132.64 as of Jun. 29, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Pioneer Credit and its competitors. According to the industry distribution chart, Pioneer Credit ranks #999999 out of 265 companies in the Credit Services industry.
Is Pioneer Credit's EV-to-FCF too high?
Pioneer Credit's current EV-to-FCF is -132.64. Based on the distribution chart, Pioneer Credit ranks #999999 out of 265 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Pioneer Credit has a GF Score™ of 33/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pioneer Credit's EV-to-FCF compare to V and MA?
According to the Credit Services industry distribution chart, Pioneer Credit ranks #999999 out of 265 companies for EV-to-FCF. This places Pioneer Credit in the lower half of its industry. The industry median EV-to-FCF is 13.02. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Credit Services company?
The median EV-to-FCF among Credit Services companies is 13.02, based on 265 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Pioneer Credit and its competitors. For the Credit Services industry, the median EV-to-FCF is 13.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pioneer Credit's current EV-to-FCF is -132.64. 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 (FRA:0PI) is currently considered Modestly Overvalued. The stock's GF Value™ is €0.31, compared to a current price of €0.40 — trading 27.4% above its estimated fair value. The current EV-to-FCF is -132.64. Pioneer Credit's overall GF Score™ is 33/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Pioneer Credit (FRA:0PI), the current EV-to-FCF is -132.64 as of Jun. 29, 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 €0.40 is trading 27.4% above its estimated GF Value™ of €0.31.
GuruFocus considers Pioneer Credit to be Modestly Overvalued.
Key valuation signals for FRA:0PI:
EV-to-FCF: -132.64
GF Value™: €0.31 vs. price of €0.40 (27.4% 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.
33GF Score
Get the complete analysis for FRA:0PI
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:0PI has been successfully added to your 
